<SEC-DOCUMENT>0001193125-14-384990.txt : 20141028
<SEC-HEADER>0001193125-14-384990.hdr.sgml : 20141028
<ACCEPTANCE-DATETIME>20141028155838
ACCESSION NUMBER:		0001193125-14-384990
CONFORMED SUBMISSION TYPE:	10-Q
PUBLIC DOCUMENT COUNT:		12
CONFORMED PERIOD OF REPORT:	20140930
FILED AS OF DATE:		20141028
DATE AS OF CHANGE:		20141028

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AMERICAN EXPRESS CO
		CENTRAL INDEX KEY:			0000004962
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		IRS NUMBER:				134922250
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-Q
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-07657
		FILM NUMBER:		141177108

	BUSINESS ADDRESS:	
		STREET 1:		200 VESEY STREET
		STREET 2:		50TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10285
		BUSINESS PHONE:		2126402000

	MAIL ADDRESS:	
		STREET 1:		200 VESEY STREET
		STREET 2:		50TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10285
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-Q
<SEQUENCE>1
<FILENAME>d808273d10q.htm
<DESCRIPTION>10-Q
<TEXT>
<HTML><HEAD>
<TITLE>10-Q</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>UNITED STATES </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>SECURITIES AND EXCHANGE COMMISSION </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>WASHINGTON, D.C. 20549
</B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>FORM 10-Q </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">[X]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">SECURITIES EXCHANGE ACT OF 1934 </FONT></P>
 <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>For the Quarterly Period Ended September&nbsp;30, 2014 </B></FONT></P>
 <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">or </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;[&nbsp;&nbsp;]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">SECURITIES EXCHANGE ACT OF 1934 </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">For the Transition Period from
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> to <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Commission file number 1-7657 </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><U>AMERICAN EXPRESS COMPANY </U></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(Exact name of registrant as specified in its charter) </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="47%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="41%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>New York</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>13-4922250</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(State or other jurisdiction of</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">incorporation or organization)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(I.R.S. Employer Identification No.)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>200 Vesey Street, New York, NY</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>10285</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(Address of principal executive offices)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(Zip Code)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="5"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="5"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Registrant&#146;s telephone number, including area code
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(212)
640-2000&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="5"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="5" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">None</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Former name, former address and former fiscal year, if changed since last report. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Indicate by check mark whether the registrant (1)&nbsp;has filed all reports required to be filed by Section&nbsp;13 or 15(d) of the
Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)&nbsp;has been subject to such filing requirements for the past 90 days. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Yes<U> &nbsp;&nbsp;X&nbsp;&nbsp; </U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Indicate by check mark whether the registrant
has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (&#167;232.405 of this chapter) during the preceding 12 months (or for
such shorter period that the registrant was required to submit and post such files). </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Yes
<U>&nbsp;&nbsp;X&nbsp;&nbsp;</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller
reporting company. See the definitions of &#147;large accelerated filer,&#148; &#147;accelerated filer&#148; and &#147;smaller reporting company&#148; in Rule 12b-2 of the Exchange Act. (Check one): </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="63%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="36%"></TD></TR>


<TR>
<TD VALIGN="bottom"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Large accelerated filer&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT> </FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Accelerated filer&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-accelerated filer&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;(Do not check if a smaller reporting company)
</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom">
<P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Smaller&nbsp;reporting&nbsp;company&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Yes <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No
<U>&nbsp;&nbsp;X</U><U>&nbsp;&nbsp;</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Indicate the number of shares outstanding of each
of the issuer&#146;s classes of common stock, as of the latest practicable date. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="47%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="7%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="24%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="13%"></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Class</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Outstanding&nbsp;at&nbsp;October&nbsp;17,&nbsp;2014</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Common Shares (par value $0.20 per share)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,034,676,513 shares</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc"></A>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>FORM 10-Q </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>INDEX </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Part&nbsp;I.</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="3"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A HREF="#toc808273_1">Financial Information </A></B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><U></U>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><U>Page&nbsp;No.</U></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><U></U>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item&nbsp;1.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc808273_2">Financial Statements</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc808273_3">Consolidated Statements of Income &#150; Three Months Ended September 30, 2014 and
2013</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc808273_4">Consolidated Statements of Income &#150; Nine Months Ended September 30, 2014 and 2013</A></FONT></P></TD>

<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc808273_5">Consolidated Statements of Comprehensive Income &#150; Three and Nine Months Ended September 30, 2014 and 2013
</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc808273_6">Consolidated Balance Sheets &#150; September 30, 2014 and December 31, 2013</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc808273_7">Consolidated Statements of Cash Flows &#150; Nine Months Ended September 30, 2014 and
2013</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc808273_8">Notes to Consolidated Financial Statements</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 2.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc808273_9">Management&#146;s Discussion and Analysis of Financial Condition and Results of
Operations</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 3.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc808273_10">Quantitative and Qualitative Disclosures about Market Risk</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 4.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc808273_11">Controls and Procedures</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Part&nbsp;II.</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="3"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A HREF="#toc808273_12">Other Information </A></B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 1.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc808273_13">Legal Proceedings</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item&nbsp;1A.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc808273_14">Risk Factors</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">79</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 2.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc808273_15">Unregistered Sales of Equity Securities and Use of Proceeds</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 5.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc808273_16">Other Information</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">81</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="2"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 6.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc808273_17">Exhibits</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">81</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc808273_18">Signatures </A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">82</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="13"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD>
<TD HEIGHT="13" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#toc808273_19">Exhibit Index </A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">E-1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc808273_1"></A>PART I. FINANCIAL INFORMATION </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc808273_2"></A>ITEM&nbsp;1. FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc808273_3"></A>AMERICAN EXPRESS COMPANY </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>CONSOLIDATED
STATEMENTS OF INCOME </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I></I>Three Months Ended September&nbsp;30<I> (Millions, except per share
amounts)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Revenues</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-interest revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Discount revenue</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,915</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,659</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net card fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>680</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">658</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Travel commissions and fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>104</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">490</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other commissions and fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>642</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">610</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>593</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">601</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total non-interest revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6,934</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,018</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest on loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,753</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,698</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest and dividends on investment securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>45</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">48</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deposits with banks and other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>17</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,815</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,767</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>91</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">111</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Long-term debt and other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>329</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">373</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>420</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">484</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,395</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,283</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total revenues net of interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8,329</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,301</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Provisions for losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Charge card</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>196</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">159</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>265</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">248</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>27</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total provisions for losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>488</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">419</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total revenues net of interest expense after provisions for losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7,841</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,882</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Expenses</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Marketing, promotion, rewards and Card Member services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,709</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,643</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Salaries and employee benefits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,290</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,544</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,596</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,691</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5,595</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,878</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Pretax income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,246</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,004</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income tax provision</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>769</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">638</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,477</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,366</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Earnings per Common Share (Note 13):</B></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"> (a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"><B></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Basic</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.41</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.26</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Diluted</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.40</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.25</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average common shares outstanding for earnings per common share:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Basic</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,041</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,074</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Diluted</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,047</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,081</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash dividends declared per common share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.26</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.23</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Represents net income less earnings allocated to participating share awards of $11 million and $12 million for the three months ended
September&nbsp;30, 2014 and 2013, respectively. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:24px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">See Notes to Consolidated Financial Statements. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">1 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc808273_4"></A>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>CONSOLIDATED STATEMENTS OF INCOME </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="77%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I></I>Nine Months Ended September&nbsp;30<I> (Millions, except per share
amounts)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Revenues</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-interest revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Discount revenue</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>14,506</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13,826</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net card fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,041</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,958</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Travel commissions and fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,027</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,422</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other commissions and fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,884</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,788</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,679</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,705</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total non-interest revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>21,137</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20,699</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest on loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5,160</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,003</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest and dividends on investment securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>136</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">153</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deposits with banks and other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>54</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">67</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5,350</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,223</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>276</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">332</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Long-term debt and other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,026</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,163</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,302</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,495</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,048</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,728</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total revenues net of interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>25,185</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">24,427</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Provisions for losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Charge card</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>594</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">474</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>797</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">825</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>71</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">54</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total provisions for losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,462</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,353</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total revenues net of interest expense after provisions for losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>23,723</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,074</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Expenses</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Marketing, promotion, rewards and Card Member services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8,076</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,553</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Salaries and employee benefits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,488</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,702</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,393</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,911</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>16,957</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17,166</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Pretax income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6,766</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,908</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income tax provision</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,328</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,857</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,438</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,051</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Earnings per Common Share (Note 13):</B></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"> (a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"><B></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Basic</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4.19</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.69</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Diluted</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4.17</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.67</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average common shares outstanding for earnings per common share:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Basic</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,051</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,087</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Diluted</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,057</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,094</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash dividends declared per common share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.75</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.66</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Represents net income less earnings allocated to participating share awards of $35 million and $36 million for the nine months ended
September&nbsp;30, 2014 and 2013, respectively. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:24px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">See Notes to Consolidated Financial Statements. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">2 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc808273_5"></A>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="52%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Three&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nine&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,477</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,366</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,438</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,051&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other comprehensive (loss) income:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net unrealized securities (losses) gains, net of tax of: 2014,&nbsp;$(5) and $19; 2013, $(30) and $(120)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(11</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(48</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>31</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(210)</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Foreign currency translation adjustments, net of tax of: 2014, $119 and $41; 2013, $(48) and $83</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(167</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(195</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(262)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net unrealized pension and other postretirement benefit gains, net of tax of: 2014, $9 and $29; 2013, $6 and $37</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>48</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">60&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other comprehensive (loss) income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(171</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(116</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(412)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Comprehensive income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,306</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,335</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,322</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3,639&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="15"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:24px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">See Notes to Consolidated Financial Statements. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">3 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc808273_6"></A>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>CONSOLIDATED BALANCE SHEETS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="74%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions, except per share data)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;<BR>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>September&nbsp;30,<BR>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">December&nbsp;31, 2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Assets</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash and cash equivalents</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash and due from banks</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,300</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,212&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest-bearing deposits in other banks (includes securities purchased under resale agreements: 2014, $232; 2013,
$143)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>18,772</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,776&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Short-term investment securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>192</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">498&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total cash and cash equivalents</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>21,264</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">19,486&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Accounts receivable</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member receivables (includes gross receivables available to settle obligations of consolidated variable interest entities:
2014, $6,253; 2013, $7,329), less reserves: 2014, $432; 2013, $386</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>44,685</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">43,777&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other receivables, less reserves: 2014, $44; 2013, $71</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,631</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,408&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member loans (includes gross loans available to settle obligations of a consolidated variable interest entity: 2014,
$28,310; 2013, $31,245), less reserves: 2014,&nbsp;$1,146; 2013, $1,261</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>64,911</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">65,977&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other loans, less reserves: 2014, $11; 2013, $13</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>855</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">608&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Investment securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,750</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,016&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Premises and equipment, less accumulated depreciation and amortization: 2014,&nbsp;$6,327; 2013, $5,978</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3,921</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,875&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other assets (includes restricted cash of consolidated variable interest entities: 2014,&nbsp;$44; 2013, $58)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>10,845</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,228&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>153,862</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;153,375&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Liabilities and Shareholders&#146; Equity</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Liabilities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Customer deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>42,703</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;41,763&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Travelers Cheques and other prepaid products</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3,539</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,240&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Accounts payable</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>11,510</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,615&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Short-term borrowings (includes debt issued by consolidated variable interest entities: 2014,&nbsp;nil; 2013,
$2,000)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3,382</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,021&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Long-term debt (includes debt issued by consolidated variable interest entities: 2014,&nbsp;$15,501; 2013,
$18,690)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>55,712</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">55,330&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>16,800</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,910&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>133,646</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">133,879&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Contingencies (Note 15)</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Shareholders&#146; Equity</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Common shares, $0.20 par value, authorized 3.6 billion shares; issued and outstanding 1,035 million shares as of September 30,
2014 and 1,064&nbsp;million shares as of December 31, 2013</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>207</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">213&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Additional paid-in capital</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>12,216</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,202&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Retained earnings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9,335</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,507&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Accumulated other comprehensive income (loss)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net unrealized securities gains, net of tax of: 2014, $52; 2013, $33</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>94</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">63&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Foreign currency translation adjustments, net of tax of: 2014, $(485); 2013, $(526)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(1,285</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,090)</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net unrealized pension and other postretirement benefit losses, net of tax of: 2014,&nbsp;$(148); 2013, $(177)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(351</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(399)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total accumulated other comprehensive loss</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(1,542</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,426)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total shareholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>20,216</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">19,496&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total liabilities and shareholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>153,862</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;153,375&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">See Notes to Consolidated Financial Statements. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">4 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc808273_7"></A>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>CONSOLIDATED STATEMENTS OF CASH FLOWS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="75%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I></I>Nine Months Ended September&nbsp;30<I> (Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Cash Flows from Operating Activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,438</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,051&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Adjustments to reconcile net income to net cash provided by operating activities:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Provisions for losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,462</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,353&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Depreciation and amortization</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>764</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">763&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deferred taxes and other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(497</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(111)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Stock-based compensation</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>210</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">275&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Changes in operating assets and liabilities, net of effects of acquisitions and dispositions:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other receivables</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>275</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(38)</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>850</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,432&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Accounts payable and other liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,793</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">981&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Travelers Cheques and other prepaid products</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(709</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(503)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net cash provided by operating activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8,586</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,203&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Cash Flows from Investing Activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Sale of investments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>122</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">175&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Maturity and redemption of investments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>966</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">856&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Purchase of investments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(825</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(873)</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net (increase) in Card Member loans/receivables</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(2,349</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(791)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Purchase of premises and equipment, net of sales: 2014, $3; 2013, $74</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(854</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(635)</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Acquisitions/dispositions, net of cash acquired</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(170)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net increase (decrease) in restricted cash</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>90</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(29)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net cash used in investing activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(2,980</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,467)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Cash Flows from Financing Activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net increase in customer deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>917</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,303&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net (decrease) increase in short-term borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(1,595</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">51&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Issuance of long-term debt</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>11,329</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,887&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Principal payments on long-term debt</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(10,659</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(13,492)</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Issuance of American Express common shares</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>251</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">552&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Repurchase of American Express common shares</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(3,205</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3,200)</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividends paid</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(770</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(693)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net cash used in financing activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(3,732</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(6,592)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Effect of exchange rate changes on cash and cash equivalents</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(96</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(108)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net increase in cash and cash equivalents</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,778</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">36&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash and cash equivalents at beginning of period</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>19,486</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,250&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash and cash equivalents at end of period</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>21,264</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;22,286&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">On June&nbsp;30, 2014, the Company completed a transaction to establish a
non-consolidated joint venture comprising the former Global Business Travel operations of the Company. This non-cash transaction is further described within Note 2 to the Consolidated Financial Statements. </FONT></P>
<P STYLE="margin-top:24px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">See Notes to Consolidated Financial Statements </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">5 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc808273_8"></A>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Basis of Presentation </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><U>The Company </U></B></FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">American Express Company (the Company) is a global services company that provides customers with access to products, insights and experiences that enrich lives and build business success. The
Company&#146;s principal products and services are charge and credit payment card products and travel-related services offered to consumers and businesses around the world. Effective July&nbsp;1, 2014, business travel-related services are offered
through the non-consolidated joint venture, American Express Global Business Travel (GBT JV). Prior to July 1, 2014, the business travel operations were previously wholly owned. The Company also focuses on generating alternative sources of revenue
on a global basis in areas such as online and mobile payments and fee-based services. The Company&#146;s various products and services are sold globally to 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, targeted direct and third-party sales forces and direct response advertising. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The accompanying Consolidated Financial Statements should be read in conjunction with the financial statements
incorporated by reference in the Company&#146;s Annual Report on Form 10-K for the year ended December&nbsp;31, 2013 (the Annual Report). </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The interim consolidated financial information in this report has not been audited. In the opinion of management, all adjustments, which consist of normal recurring adjustments necessary for a fair
statement of the interim period consolidated financial information, have been made. Results of operations reported for interim periods are not necessarily indicative of results for the entire year. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the
United States of America (GAAP) requires management to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenue and expense, and the disclosures of contingent assets and liabilities. These accounting estimates
reflect the best judgment of management, but actual results could differ. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certain reclassifications of prior
period amounts have been made to conform to the current period presentation. These reclassifications did not have a material impact on the Company&#146;s financial position, results of operations or cash flows. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><U>Recently Issued Accounting Standards </U></B></FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Accounting Standards Update No.&nbsp;2014-09, Revenue Recognition (Topic 606): Revenue from Contracts with Customers was
issued on May&nbsp;28, 2014.&nbsp;The guidance establishes the principles to apply to determine the amount and timing of revenue recognition, specifying the accounting for certain costs related to revenue, and requiring additional disclosures about
the nature, amount, timing and uncertainty of revenues and related cash flows.&nbsp;The guidance supersedes most of the current revenue recognition requirements, and will be effective January&nbsp;1, 2017.&nbsp;The Company is currently evaluating
the impact this guidance, including the method of implementation, will have on its financial position, results of operations and cash flows, among other items. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">6 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Divestitures </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">On June&nbsp;30, 2014, the Company completed a transaction to establish a non-consolidated joint
venture, GBT JV, comprising the former Global Business Travel (GBT) operations of the Company, historically reported within the Global Commercial Services (GCS) segment, and an external cash investment. The Company has retained a 50 percent
ownership interest in the GBT JV with an estimated fair value of that interest of approximately $900 million, which is accounted for as an equity method investment effective June&nbsp;30, 2014, and reported in Other assets within the Consolidated
Balance Sheets.&nbsp;In exchange for the cash contribution of $900 million paid into the GBT JV, an unrelated investor group holds the remaining 50 percent ownership interest.&nbsp;The investor group&#146;s cash contribution provides the primary
basis for the Company&#146;s determination of the estimated fair value of its 50 percent ownership interest.</FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">As a result of the transaction, the Company deconsolidated the GBT net assets and recognized a net gain of $626 million
($409 million after tax), which was reported as a reduction to other expense for the quarter ended June&nbsp;30, 2014. Prior to the deconsolidation, the carrying amount of GBT&#146;s assets and liabilities were not material to the Company&#146;s
financial position.</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The GBT JV operates under the &#147;American Express Global Business Travel&#148; brand,
pursuant to a trademark license agreement provided by the Company.&nbsp;The Company has also entered into a transition services agreement and certain other operating agreements with the GBT JV, pursuant to which the Company and the GBT JV provide
one another with certain services and that result in related-party receivables and payables. There was no material impact to the Company during the current quarter related to the GBT JV&#146;s results of operations or the related agreements.
</FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Accounts Receivable and Loans </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company&#146;s charge and lending payment card products result in the generation of Card Member
receivables and Card Member loans, respectively. For information on the Company&#146;s accounts receivable and loans and the related accounting policies, refer to Note 4 on pages 72 &#150; 76 of the Annual Report. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Accounts receivable by segment as of September&nbsp;30, 2014 and December&nbsp;31, 2013 consisted of: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="77%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. Card Services&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>21,253</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21,842</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">International Card Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7,273</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,771</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Global Commercial Services&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>16,440</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,391</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Global Network&nbsp;&amp; Merchant Services&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>151</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">159</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member receivables&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(d)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>45,117</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">44,163</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Less: Reserve for losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>432</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">386</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member receivables, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>44,685</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;43,777</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other receivables, net&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(e)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,631</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3,408</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Includes $6.3 billion and $7.3 billion of gross Card Member receivables available to settle obligations of a consolidated variable interest entity
(VIE) as of September&nbsp;30, 2014 and December&nbsp;31, 2013, respectively. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Includes $672 million and $836 million due from airlines, of which Delta Air Lines (Delta) comprises $642 million and $628 million as of
September&nbsp;30, 2014 and December&nbsp;31, 2013, respectively. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Includes receivables primarily related to the Company&#146;s International Currency Card portfolios. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(d)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Includes approximately $13.5 billion and $13.8 billion of Card Member receivables outside the U.S. as of September&nbsp;30, 2014 and
December&nbsp;31, 2013, respectively. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(e)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Other receivables primarily represent amounts related to (i)&nbsp;certain merchants for billed discount revenue and (ii)&nbsp;Global Network
Services (GNS) partner banks for items such as royalty and franchise fees. Additionally, for 2013 only, the balance also included purchased GNS joint venture receivables. Other receivables are presented net of reserves for losses of $44 million and
$71 million as of September&nbsp;30, 2014 and December&nbsp;31, 2013, respectively. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">7 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans as of September&nbsp;30, 2014 and December&nbsp;31, 2013 consisted
of: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="77%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. Card Services&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>58,012</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;58,395</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">International Card Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7,999</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,790</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Global Commercial Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>46</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">53</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>66,057</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">67,238</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Less: Reserve for losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,146</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,261</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member loans, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>64,911</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;65,977</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other loans, net&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>855</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;608</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Includes approximately $28.3&nbsp;billion and $31.2 billion of gross Card Member loans available to settle obligations of a consolidated VIE as of
September&nbsp;30, 2014 and December&nbsp;31, 2013, respectively. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Other loans primarily represent loans to merchants and a store card loan portfolio. Other loans are presented net of reserves for losses of $11
million and $13 million as of September&nbsp;30, 2014 and December&nbsp;31, 2013, respectively. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><U>Card
Member Loans and Card Member Receivables Aging </U></B></FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Generally, a Card Member account is considered past due
if payment is not received within 30 days after the billing statement date. The following table presents the aging of Card Member loans and receivables as of September&nbsp;30, 2014 and December&nbsp;31, 2013: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="70%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="19" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I></I><B>2014</B><I> (Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Current</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">30-59<BR>Days<BR>Past<BR>Due</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">60-89<BR>Days<BR>Past<BR>Due</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">90+<BR>Days<BR>Past<BR>Due</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Card Member Loans:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. Card Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>57,447</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>175</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>121</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>269</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$&nbsp;&nbsp;&nbsp;&nbsp;58,012</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">International Card Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7,869</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>41</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>29</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>60</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7,999</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Card Member Receivables:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. Card Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>20,907</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>125</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>74</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>147</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$&nbsp;&nbsp;&nbsp;&nbsp;21,253</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">International Card Services&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7,174</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>30</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>22</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>47</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7,273</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Global Commercial Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(b</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(b</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(b</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>125</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>16,440</B></FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="19"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="19" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I></I>2013<I> (Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Current</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">30-59<BR>Days<BR>Past<BR>Due</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">60-89<BR>Days<BR>Past<BR>Due</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">90+<BR>Days<BR>Past<BR>Due</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Card Member Loans:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. Card Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">57,772</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">183</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">306</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;58,395</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">International Card Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,664</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">55</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,790</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Card Member Receivables:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. Card Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21,488</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">125</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">160</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;21,842</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">International Card Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,771</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Global Commercial Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">132</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,391</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="19"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="19" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Beginning in first quarter 2014, as a result of system enhancements, delinquency data is now available and presented on a prospective basis for the
indicated aging categories. Comparable data for prior periods is not available. For risk management purposes, the Company has historically utilized 90 days past billing for the International Card Services (ICS) segment, as described below in (b).
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Delinquency data for periods other than 90 days past billing is not available due to system constraints. Therefore, such data has not been utilized
for risk management purposes. The balances that are current to 89 days past due can be derived as the difference between the Total and the 90+ Days Past Due balances. For Card Member receivables in GCS as of September&nbsp;30, 2014 and ICS and GCS
as of December&nbsp;31, 2013, delinquency data is tracked based on days past billing status rather than days past due. A Card Member account is considered 90 days past billing if payment has not been received within 90 days of the Card Member&#146;s
billing statement date. In addition, if the Company initiates collection procedures on an account prior to the account becoming 90 days past billing, the associated Card Member receivable balance is classified as 90 days past billing. These amounts
are shown above as 90+ Days Past Due for presentation purposes. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">8 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><U>Credit Quality Indicators for Card Member Loans and Receivables
</U></B></FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following tables present the key credit quality indicators as of or for the nine months ended
September&nbsp;30: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="52%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="23" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="12"></TD>
<TD HEIGHT="5" COLSPAN="10"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="8" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net Write-Off Rate</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></P></TD>
<TD ROWSPAN="2" VALIGN="bottom" STYLE="border-bottom:1px solid #000000">
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">30&nbsp;Days<BR>Past&nbsp;Due<BR>as&nbsp;a&nbsp;%&nbsp;of<BR>Total</FONT></P></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="bottom"> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net Write-Off Rate</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">30&nbsp;Days Past&nbsp;Due</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">as&nbsp;a&nbsp;%&nbsp;of Total</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom"> <P STYLE="border-bottom:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;
<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Principal<BR>Only&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Principal,<BR>Interest,&nbsp;&amp;<BR>Fees&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;
<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;
<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Principal<BR>Only&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Principal,<BR>Interest,&nbsp;&amp;<BR>Fees&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;
<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Card Member Loans:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. Card Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.6%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.8%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.0%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.9%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.1%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.1%</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">International Card Services&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2.0%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2.4%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.6%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.9%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.3%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.5%</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Card Member Receivables:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. Card Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.7%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.9%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.6%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.8%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.9%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.7%</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">International Card Services&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2.0%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2.1%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.4%</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(c)&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(c)&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(c)&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="23"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="23" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="66%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom"> <P STYLE="border-bottom:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net&nbsp;Loss<BR>Ratio as<BR>a % of<BR>Charge<BR>Volume</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">90 Days<BR>Past&nbsp;Billing<BR>as a % of<BR>Receivables</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net&nbsp;Loss<BR>Ratio as<BR>a % of<BR>Charge<BR>Volume</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">90 Days Past&nbsp;Billing as a % of
Receivables</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Card Member Receivables:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">International Card Services </FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(c</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(c</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.1%</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Global Commercial Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.09</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.07</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.8%</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="15"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">The Company presents a net write-off rate based on principal losses only (i.e., excluding interest and/or fees) to be consistent with industry
convention. In addition, because the Company considers uncollectible interest and/or fees in estimating its reserves for credit losses, a net write-off rate including principal, interest and/or fees is also presented. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Beginning in 2014, write-offs for certain installment loan products have been reclassified from Card Member receivables to Card Member loans. Prior
period write-offs have not been reclassified. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Historically, net loss ratio as a % of charge volume and 90 days past billings as a % of receivables were presented. Beginning in first quarter
2014, as a result of system enhancements, 30 days past due as a % of total, Net write-off rate (principal only) and Net write-off rate (principal and fees) have been presented. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Refer to Note 5 on pages 77 &#150; 78 of the Annual Report for additional indicators, including external environmental
qualitative factors, management considers in its evaluation process for reserves for losses. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><U>Impaired Card Member Loans
and Receivables </U></B></FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Impaired loans and receivables are individual larger balance or homogeneous pools of
smaller balance loans and receivables for which it is probable that the Company will be unable to collect all amounts due according to the original contractual terms of the Card Member agreement. For information on impaired Card Member loans and
receivables and the related accounting policies, refer to Note 4 on pages 74 &#150; 76 of the Annual Report. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">9 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table provides additional information with respect to the
Company&#146;s impaired Card Member loans, which are not significant for GCS, and Card Member receivables, which are not significant for ICS and GCS, as of September&nbsp;30, 2014 and December&nbsp;31, 2013: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="41%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="23" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I></I><B>2014</B><I> (Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans over<BR>90 Days<BR>Past&nbsp;Due<BR>&amp;&nbsp;Accruing<BR>Interest&nbsp;</FONT><FONT
STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-<BR>Accrual<BR>Loans&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;
<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans &amp;<BR>Receivables<BR>Modified<BR>as&nbsp;a&nbsp;TDR&nbsp;</FONT><FONT
STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total<BR>Impaired<BR>Loans &amp;<BR>Receivables</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unpaid<BR>Principal<BR>Balance&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(d)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;
<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Allowance</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">for&nbsp;TDRs&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(e)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Card Member Loans:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. Card Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>160</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>188</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>309</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>657</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>594</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;70</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">International Card Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>60 </B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>60</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>59</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Card Member Receivables:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. Card Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>44</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>44</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>43</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>32</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>220</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>188</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>353</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>761</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>696</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;102</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="23"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="23" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I></I>2013<I> (Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans over<BR>90 Days<BR>Past&nbsp;Due<BR>&amp;&nbsp;Accruing<BR>Interest&nbsp;</FONT><FONT
STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-<BR>Accrual<BR>Loans&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;
<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans &amp;<BR>Receivables<BR>Modified<BR>as&nbsp;a&nbsp;TDR&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total<BR>Impaired<BR>Loans &amp;<BR>Receivables</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unpaid<BR>Principal<BR>Balance&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(d)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;
<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Allowance</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">for
TDRs&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(e)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Card Member Loans:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. Card Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">170</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">244</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">373</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">787</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">731</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;84</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">International Card Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">54 </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Card Member Receivables:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. Card Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">38</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">224</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">248</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">428</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">900</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">842</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;122</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="23"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="23" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">The Company&#146;s policy is generally to accrue interest through the date of write-off (i.e., at 180 days past due). The Company establishes
reserves for interest that the Company believes will not be collected. Amounts presented exclude loans modified as a troubled debt restructuring (TDR). </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Non-accrual loans not in modification programs include certain Card Member loans placed with outside collection agencies for which the Company has
ceased accruing interest. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total loans and receivables modified as a TDR includes $87 million and $92 million that are non-accrual and $20 million and $26 million that are
past due 90 days and still accruing interest as of September&nbsp;30, 2014 and December&nbsp;31, 2013, respectively. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(d)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Unpaid principal balance consists of Card Member charges billed and excludes other amounts charged directly by the Company such as interest and
fees. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(e)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Represents the reserve for losses for TDRs, which are evaluated individually for impairment. The Company records a reserve for losses for all
impaired loans. Refer to Card Member Loans Evaluated Individually and Collectively for Impairment in Note 4 for further information regarding the reserve for losses on loans over 90 days past due and accruing interest and non-accrual loans, which
are evaluated collectively for impairment. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">10 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table provides information with respect to the
Company&#146;s interest income recognized and average balances of impaired Card Member loans, which are not significant for GCS, and Card Member receivables, which are not significant for ICS and GCS, for the three and nine months ended
September&nbsp;30: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="60%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Three Months Ended<BR>September&nbsp;30, 2014</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nine Months Ended<BR>September&nbsp;30, 2014</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I></I><B>2014</B><I> (Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest<BR>Income<BR>Recognized</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average<BR>Balance</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest<BR>Income<BR>Recognized</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Card Member Loans:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. Card Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>675</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>37</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;734</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">International Card Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>63</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>63</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Card Member Receivables:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. Card Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>44</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>47</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>16</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>782</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>49</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;844</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="15"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Three Months Ended<BR>September 30, 2013</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nine Months Ended</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">September 30, 2013</FONT></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I></I>2013 <I>(Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest<BR>Income<BR>Recognized</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average<BR>Balance</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest<BR>Income<BR>Recognized</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Card Member Loans:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. Card Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">859</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;982</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">International Card Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">66</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">68</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Card Member Receivables:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. Card Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">89</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">987</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,139</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="15"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">11 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><U>Card Member Loans and Receivables Modified as TDRs </U></B></FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table provides additional information with respect to the U.S. Card Services (USCS) Card Member loans and
receivables modified as TDRs for the three and nine months ended September&nbsp;30. The ICS and GCS Card Member loans and receivables modifications were not significant. For information on TDRs and the related accounting policies, refer to Note 4 on
pages 74 &#150; 76 of the Annual Report. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="28%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="31" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="16"></TD>
<TD HEIGHT="5" COLSPAN="14"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="13" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Three Months Ended</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1">September&nbsp;30, 2014</FONT></P></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="12" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Nine Months Ended</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1">September&nbsp;30, 2014</FONT></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom"> <P STYLE="border-bottom:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Number of<BR>Accounts<BR>(in&nbsp;thousands)</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;<BR>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Outstanding<BR>Balances<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">
(a)(b)</SUP><BR>($&nbsp;in&nbsp;millions)</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Average<BR>Interest&nbsp;Rate<BR>Reduction<BR>(% Points)</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Average<BR>Payment<BR>Term<BR>Extension<BR>(#&nbsp;of&nbsp;Months)</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Number of<BR>Accounts<BR>(in&nbsp;thousands)</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;<BR>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Outstanding<BR>Balances<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">
(a)(b)</SUP><BR>($&nbsp;in millions)</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Average<BR>Interest&nbsp;Rate<BR>Reduction<BR>(%&nbsp;Points)</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Average Payment</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Term Extension (#&nbsp;of&nbsp;Months)</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Troubled Debt Restructurings:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Card Member Loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>11</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>83</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(c</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>35</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>261</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>11</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(c)</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Card Member Receivables</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>41</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(c</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>11</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>129</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(c</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>124</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>46</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>390</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="31"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="31" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="16"></TD>
<TD HEIGHT="5" COLSPAN="14"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="13" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Three Months Ended</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1">September 30, 2013</FONT></P></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="12" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Nine Months Ended</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1">September 30, 2013</FONT></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom"> <P STYLE="border-bottom:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Number of<BR>Accounts</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="1">(in&nbsp;thousands)</FONT></P></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;<BR>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Outstanding<BR>Balances<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">
(a)(b)</SUP><BR>($&nbsp;in&nbsp;millions)</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Average<BR>Interest&nbsp;Rate<BR>Reduction<BR>(% Points)</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Average<BR>Payment<BR>Term<BR>Extension<BR>(#&nbsp;of&nbsp;Months)</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Number of<BR>Accounts<BR>(in&nbsp;thousands)</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;<BR>&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Outstanding<BR>Balances<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">
(a)(b)</SUP><BR>($&nbsp;in&nbsp;millions)</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Average<BR>Interest&nbsp;Rate<BR>Reduction<BR>(% Points)</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Average Payment</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Term Extension (#&nbsp;of&nbsp;Months)</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Troubled Debt Restructurings:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Card Member Loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(c</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">357</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(c)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Card Member Receivables</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(c</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">204</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(c</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">12&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">140</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">561</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="31"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="31" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Represents the outstanding balance immediately prior to modification. Modifications did not reduce the aggregate principal balances except for the
nine months ended September&nbsp;30, 2013, where aggregate principal balances were reduced by $4 million. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">The outstanding balance includes principal, fees and accrued interest on Card Member loans and principal and fees on Card Member receivables.
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">For Card Member loans, there have been no payment term extensions. The Company does not offer interest rate reduction programs for Card Member
receivables as the receivables are non-interest bearing. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">12 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table provides information for the three and nine months
ended September&nbsp;30, 2014 and 2013, with respect to the USCS Card Member loans and receivables modified as TDRs that subsequently defaulted within 12 months of modification. A Card Member is considered to have been in default from a modification
program after one and up to two consecutive missed payments, depending on the terms of the modification program. For all Card Members that defaulted from a modification program, the probability of default is factored into the reserves for Card
Member loans and receivables. The defaulted ICS Card Member loan and receivable modifications were not significant. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="56%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Three Months Ended</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">September&nbsp;30, 2014</FONT></P></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nine Months Ended</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">September&nbsp;30, 2014</FONT></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Accounts in thousands, Dollars in millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Number&nbsp;of</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Accounts</FONT></P></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Aggregated</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Outstanding</FONT></P> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balances</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Upon&nbsp;Default&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Number&nbsp;of<BR>Accounts</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Aggregated</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Outstanding</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balances</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Upon&nbsp;Default&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Troubled Debt Restructurings That<BR>Subsequently Defaulted:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member Loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>20</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;60</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member Receivables</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>27</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>29</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;87</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="15"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Three Months Ended</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">September 30, 2013</FONT></P></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nine Months Ended</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">September 30, 2013</FONT></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Accounts in thousands, Dollars in millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Number of</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Accounts</FONT></P></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Aggregated</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Outstanding</FONT></P> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balances</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Upon&nbsp;Default&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Number&nbsp;of</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Accounts</FONT></P></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Aggregated</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Outstanding</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balances</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Upon&nbsp;Default&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Troubled Debt Restructurings That<BR>Subsequently Defaulted:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member Loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;138</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member Receivables</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">33</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;171</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="15"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">The outstanding balance includes principal, fees and accrued interest on Card Member loans and principal and fees on Card Member receivables.
</FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">13 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Reserves for Losses </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Reserves for losses relating to Card Member loans and receivables represent management&#146;s best
estimate of the probable losses inherent in the Company&#146;s outstanding portfolio of loans and receivables, as of the balance sheet date. Management&#146;s evaluation process requires certain estimates and judgments. For information on the
Company&#146;s reserves for losses and the related accounting policies, refer to Note 5 on pages 77 &#150; 78 of the Annual Report. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B><U>Changes in Card Member Receivables Reserve for Losses </U></B></FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table presents changes in the Card Member receivables reserve for losses for the nine months ended
September&nbsp;30: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="80%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance, January&nbsp;1</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>386</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;428&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Provisions&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>594</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">474&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net write-offs&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(527</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(507)</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(21</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance, September 30</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>432</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;396&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Provisions for principal (resulting from authorized transactions) and fee reserve components. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Consists of principal (resulting from authorized transactions) and fee components, less recoveries of $269 million and $304 million, including net
write-offs from TDRs of $14 million and $16 million, for the nine months ended September&nbsp;30, 2014 and 2013, respectively. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Beginning in first quarter 2014, reserves for card related fraud losses of $(7) million are reflected in other liabilities. All periods include
foreign currency translation adjustments of $(6) million and $(3) million for the nine months ended September&nbsp;30, 2014 and 2013, respectively, and other items of $(8) million and $4 million for the nine months ended September&nbsp;30, 2014 and
2013, respectively. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><U>Card Member Receivables Evaluated Individually and Collectively for Impairment
</U></B></FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table presents Card Member receivables evaluated individually and collectively for
impairment and related reserves as of September&nbsp;30, 2014 and December&nbsp;31, 2013: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="77%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member receivables evaluated individually for impairment&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>44</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Related reserves&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>32</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;38</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member receivables evaluated collectively for impairment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>45,073</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;44,113</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Related reserves&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>400</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;348</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Represents receivables modified in a TDR and related reserves. Refer to the Impaired Card Member Loans and Receivables discussion in Note 4 on pages
74 &#150; 76 of the Annual Report for further information. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">The reserves include the quantitative results of analytical models that are specific to individual pools of receivables and reserves for internal
and external qualitative risk factors that apply to receivables that are collectively evaluated for impairment. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">14 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><U>Changes in Card Member Loans Reserve for Losses </U></B></FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table presents changes in the Card Member loans reserve for losses for the nine months ended
September&nbsp;30: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance, January&nbsp;1</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,261</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,471&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Provisions&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>797</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">825&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net write-offs</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Principal&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(786</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(888)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest and fees&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(124</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(113)</FONT></TD></TR>
<TR>
<TD VALIGN="top">
<P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">
(c)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(14)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance, September 30</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,146</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,281&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Provisions for principal (resulting from authorized transactions), interest and fee reserves components. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Consists of principal write-offs (resulting from authorized transactions), less recoveries of $324 million and $343 million, including net
write-offs from TDRs of $(5) million and $6 million, for the nine months ended September&nbsp;30, 2014 and 2013, respectively. Recoveries of interest and fees were de minimis. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Beginning in first quarter 2014, reserves for card related fraud losses of $(6) million are reflected in other liabilities. All periods include
foreign currency translation adjustments of $(7) million and $(8) million for the nine months ended September&nbsp;30, 2014 and 2013, respectively, and other items of $11 million and $(6) million for the nine months ended September&nbsp;30, 2014 and
2013, respectively. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><U>Card Member Loans Evaluated Individually and Collectively for Impairment
</U></B></FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table presents Card Member loans evaluated individually and collectively for impairment
and related reserves as of September&nbsp;30, 2014 and December&nbsp;31, 2013: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="77%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member loans evaluated individually for impairment&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>309</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;378</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Related reserves&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>70</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;84</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member loans evaluated collectively for impairment&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>65,748</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;66,860</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Related reserves&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,076</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,177</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Represents loans modified in a TDR and related reserves. Refer to the Impaired Card Member Loans and Receivables discussion in Note 4 on pages 74
&#150; 76 of the Annual Report for further information. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Represents current loans and loans less than 90 days past due, loans over 90 days past due and accruing interest, and non-accrual loans. The
reserves include the quantitative results of analytical models that are specific to individual pools of loans and reserves for internal and external qualitative risk factors that apply to loans that are collectively evaluated for impairment.
</FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">15 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Investment Securities </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Investment securities include debt and equity securities that the Company classifies as available for
sale. The Company&#146;s investment securities, principally debt securities, are carried at fair value on the Consolidated Balance Sheets with unrealized gains (losses) recorded in Accumulated Other Comprehensive Income (AOCI), net of income taxes.
Realized gains and losses are recognized in results of operations upon disposition of the securities using the specific identification method on a trade date basis. For information on the Company&#146;s methodology for determining the fair value of
investment securities and related accounting policies, refer to Note 3 on pages 68 &#150; 71 of the Annual Report. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The following is a summary of investment securities as of September&nbsp;30, 2014 and December&nbsp;31, 2013: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="45%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="31" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="16"></TD>
<TD HEIGHT="5" COLSPAN="14"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" COLSPAN="13" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2014</B></FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="12" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">2013</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><I></I>Description of Securities<I> (Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Cost</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Gross<BR>Unrealized<BR>Gains</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Gross<BR>Unrealized<BR>Losses</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Estimated<BR>Fair</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="1">Value</FONT></P></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Cost</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Gross<BR>Unrealized<BR>Gains</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Gross<BR>Unrealized<BR>Losses</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Estimated Fair</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Value</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">State and municipal obligations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>3,628</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>3,755</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">4,060</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">54</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(79</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,035</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">U.S. Government agency obligations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">3</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">U.S. Government treasury obligations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>346</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>349</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">318</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">320</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Corporate debt securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>39</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>42</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">46</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Mortgage-backed securities&nbsp;<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>137</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>144</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">160</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">164</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Equity securities&nbsp;<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">95</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">124</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Foreign government bonds and obligations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>399</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>407</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">272</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">276</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Other&nbsp;<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>50</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>49</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">48</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4,602</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>153</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4,750</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">4,935</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">165</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(84</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5,016</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="31"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="31" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Represents mortgage-backed securities guaranteed by Fannie Mae, Freddie Mac or Ginnie Mae. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Primarily represents the Company&#146;s investment in the Industrial and Commercial Bank of China (ICBC) as of December&nbsp;31, 2013.
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Other comprises investments in various mutual funds. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table provides information about the Company&#146;s investment securities with gross unrealized losses and
the length of time that individual securities have been in a continuous unrealized loss position as of September&nbsp;30, 2014 and December&nbsp;31, 2013: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="39%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="31" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="16"></TD>
<TD HEIGHT="5" COLSPAN="14"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" COLSPAN="13" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2014</B></FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="12" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">2013</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Less than 12 months</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">12 months or more</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Less than 12 months</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">12 months or more</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><I></I>Description of Securities<I> (Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Estimated<BR>Fair&nbsp;Value</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Gross<BR>Unrealized<BR>Losses</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Estimated<BR>Fair&nbsp;Value</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Gross<BR>Unrealized<BR>Losses</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Estimated<BR>Fair&nbsp;Value</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Gross<BR>Unrealized<BR>Losses</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Estimated<BR>Fair&nbsp;Value</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Gross Unrealized Losses</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">State and municipal obligations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>72</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,320</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">106</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(16)</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Foreign government bonds and obligations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">208</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">U.S. Government treasury obligations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>127</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">166</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Mortgage-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>32</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(1)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>127</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>104</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,759</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">123</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(17)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="31"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="31" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">16 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table summarizes the gross unrealized losses due to
temporary impairments by ratio of fair value to amortized cost as of September&nbsp;30, 2014 and December&nbsp;31, 2013: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="35" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="12"></TD>
<TD HEIGHT="5" COLSPAN="12"></TD>
<TD HEIGHT="5" COLSPAN="10"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Less than 12 months</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">12 months or more</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="8" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Ratio of Fair Value to Amortized Cost <I>(Dollars in millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Number&nbsp;of<BR>Securities</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Estimated<BR>Fair&nbsp;Value</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Gross<BR>Unrealized<BR>Losses</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Number&nbsp;of<BR>Securities</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Estimated<BR>Fair&nbsp;Value</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Gross<BR>Unrealized<BR>Losses</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Number&nbsp;of<BR>Securities</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Estimated<BR>Fair&nbsp;Value</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Gross Unrealized Losses</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2014:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">90%&#150;100%</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>127</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>17</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>104</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>23</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>231</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5)</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total as of September 30,&nbsp;2014</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>127</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>17</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>104</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>23</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>231</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$(5)</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">2013:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">90%&#150;100%</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">228</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,665</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(53</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">234</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,689</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(55)</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Less than 90%</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">99</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(29)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total as of December 31,&nbsp;2013</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">241</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,759</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">123</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">252</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,882</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(84)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="35"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="35" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The gross unrealized losses are attributed to overall wider credit spreads for
state and municipal securities, wider credit spreads for specific issuers, adverse changes in market benchmark interest rates, or a combination thereof, all as compared to those prevailing when the investment securities were acquired. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Overall, for the investment securities in gross unrealized loss positions (i)&nbsp;the Company does not currently intend
to sell the investment securities, (ii)&nbsp;it is more likely than not that the Company will not be required to sell the investment securities before recovery of the unrealized losses, and (iii)&nbsp;the Company expects that the contractual
principal and interest will be received on the investment securities. As a result, the Company recognized no other-than-temporary impairment during the periods presented. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B><U>Supplemental Information </U></B></FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Gross realized gains on
the sales of investment securities, included in Other revenues for the three and nine months ended September&nbsp;30, 2014 were $20 million and $100 million, respectively. Gross realized gains on the sale of investment securities, included in Other
revenues for the three and nine months ended September&nbsp;30, 2013 were, $37 million and $102 million, respectively. There were no realized losses for the three and nine months ended September&nbsp;30, 2014 and 2013. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Contractual maturities of investment securities, excluding equity securities and other securities, as of
September&nbsp;30, 2014 were as follows: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cost</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Estimated Fair&nbsp;Value</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Due within 1 year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>579</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;580</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Due after 1 year but within 5 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>435</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>442</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Due after 5 years but within 10 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>235</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>251</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Due after 10 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3,303</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3,427</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,552</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,700</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The expected payments on state and municipal obligations and mortgage-backed
securities may not coincide with their contractual maturities because the issuers have the right to call or prepay certain obligations. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">17 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Asset Securitizations </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company periodically securitizes Card Member receivables and loans arising from its card business
through the transfer of those assets to securitization trusts. The trusts then issue securities to third-party investors, collateralized by the transferred assets. For information on the Company&#146;s asset securitizations and related accounting
policies, refer to Note 7 on page 80 of the Annual Report. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table provides information on the
restricted cash held by the American Express Issuance Trust II (the Charge Trust) and the American Express Credit Account Master Trust (the Lending Trust) as of September&nbsp;30, 2014 and December&nbsp;31, 2013, included in Other assets on the
Company&#146;s Consolidated Balance Sheets: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="80%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Charge Trust</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Lending Trust</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>43</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">56</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>44</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;58</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">These amounts relate to collections of Card Member receivables and loans to be used
by the trusts to fund future expenses and obligations, including interest paid on investor securities, credit losses and upcoming debt maturities. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">American Express Travel Related Services Company, Inc. (TRS), which is a consolidated subsidiary of the Company, is the primary beneficiary of both the trusts. Excluding its consolidated subsidiaries, TRS
owns approximately $1.0 billion of subordinated securities issued by the Lending Trust as of September&nbsp;30, 2014. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Under the respective terms of the Charge Trust and the Lending Trust agreements, the occurrence of certain triggering events associated with the performance of the assets of each trust could result in
payment of trust expenses, establishment of reserve funds, or in a worst-case scenario, early amortization of investor securities. During the nine months ended September&nbsp;30, 2014 and the year ended December&nbsp;31, 2013, no such triggering
events occurred. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">18 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Customer Deposits </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of September&nbsp;30, 2014 and December&nbsp;31, 2013, customer deposits were categorized as
interest bearing or non-interest bearing, as follows: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S.:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest bearing</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>41,883</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;40,831</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-interest bearing (includes Card Member credit balances of: 2014,$304; 2013,$340)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>336</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">360</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-U.S.:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest bearing</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>108</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">121</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-interest bearing (includes Card Member credit balances of: 2014,$361; 2013,$437)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>376</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">451</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total customer deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>42,703</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;41,763</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Customer deposits by deposit type as of September&nbsp;30, 2014 and
December&nbsp;31, 2013 were as follows: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. retail deposits:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Savings accounts &#150; Direct</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>26,248</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;24,550</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certificates of deposit:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Direct</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>355</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">489</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Third-party</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6,371</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,929</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Sweep accounts &#150; Third-party</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8,909</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,863</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other retail deposits:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-U.S. deposits and U.S. non-interest bearing deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>155</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">155</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member credit balances &#151; U.S. and non-U.S.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>665</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">777</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total customer deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>42,703</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;41,763</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The scheduled maturities of certificates of deposit as of September&nbsp;30, 2014
were as follows: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="71%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="11" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S.</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-U.S.</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2014</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,073</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,076</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2015</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,259</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,263</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2016</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,684</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,684</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2017</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>937</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>937</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2018</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,089</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,089</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">After 5 years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>684</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>684</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6,726</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6,733</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="11"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="11" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of September&nbsp;30, 2014 and December&nbsp;31, 2013, certificates of deposit
in denominations of $250,000 or more, in the aggregate, were as follows: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>115</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;148</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-U.S.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>117</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;148</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">19 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Derivatives and Hedging Activities </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company uses derivative financial instruments (derivatives) to manage exposures to various market
risks. Derivatives derive their value from an underlying variable or multiple variables, including interest rate, foreign exchange, and equity index or price. These instruments enable end users to increase, reduce or alter exposure to various market
risks and, for that reason, are an integral component of the Company&#146;s market risk management. The Company does not engage in derivatives for trading purposes. For information on the Company&#146;s derivative instruments and the related
accounting policies, refer to Note 12 on pages 87 &#150; 90 of the Annual Report. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">In relation to the
Company&#146;s credit risk, under the terms of the derivative agreements it has with its various counterparties, the Company is not required to either immediately settle any outstanding liability balances or post collateral upon the occurrence of a
specified credit risk-related event. Based on the assessment of credit risk of the Company&#146;s derivative counterparties as of September&nbsp;30, 2014 and December&nbsp;31, 2013, the Company does not have derivative positions that warrant credit
valuation adjustments. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company&#146;s derivatives are carried at fair value on the Consolidated Balance
Sheets. Refer to Note 3 on pages 68 &#150; 71 of the Annual Report for a description of the Company&#146;s methodology for determining the fair value of derivatives. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table summarizes the total fair value, excluding interest accruals, of derivative assets and liabilities as
of September&nbsp;30, 2014 and December&nbsp;31, 2013: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="74%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other Assets<BR>Fair Value</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other&nbsp;Liabilities</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Fair Value</FONT></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Derivatives designated as hedging instruments:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest rate contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Fair value hedges</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>309</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">455</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>27</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total return contract</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Fair value hedge</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Foreign exchange contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net investment hedges</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>384</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">174</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>57</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">116&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total derivatives designated as hedging instruments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>693</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">637</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>84</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">118&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Derivatives not designated as hedging instruments:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Foreign exchange contracts, including certain embedded
derivatives&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>129</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">64</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>162</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">95&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total derivatives, gross</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>822</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">701</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>246</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">213&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Less: Cash collateral netting&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(125</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(336</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(27</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Derivative asset and derivative liability netting&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B></B>&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(126</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)</B>&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B></B>&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(126</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)</B>&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(36)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total derivatives, net&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(d)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>571</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">329</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>93</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;177&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="15"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Includes foreign currency derivatives embedded in certain operating agreements. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Represents the offsetting of derivative instruments and the right to reclaim cash collateral (a receivable) or the obligation to return cash
collateral (a payable) arising from derivative instrument(s) executed with the same counterparty under an enforceable master netting arrangement. Additionally, the Company received noncash collateral from a counterparty in the form of security
interest in U.S. Treasury securities with a fair value of $111 million and nil as of September&nbsp;30, 2014 and December&nbsp;31, 2013, respectively, none of which was sold or repledged. Such noncash collateral economically reduces the
Company&#146;s risk exposure to $460 million as of September&nbsp;30, 2014, but does not reduce the net exposure on the Company&#146;s Consolidated Balance Sheets. Additionally, the Company posted $97 million and $26 million as of September&nbsp;30,
2014 and December&nbsp;31, 2013, respectively, as initial margin on its centrally cleared interest rate swaps; such amounts are recorded within other receivables on the Company&#146;s Consolidated Balance Sheets and are not netted against the
derivative balances. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Represents the amount of netting of derivative assets and derivative liabilities executed with the same counterparty under an enforceable master
netting arrangement. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(d)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">The Company has no individually significant derivative counterparties and therefore, no significant risk exposure to any single derivative
counterparty. The total net derivative assets and derivative liabilities are presented within Other assets and Other liabilities on the Company&#146;s Consolidated Balance Sheets. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">A majority of the Company&#146;s derivative assets and liabilities as of September&nbsp;30, 2014 and December&nbsp;31,
2013 are subject to master netting agreements with its derivative counterparties. In addition, the Company has no derivative amounts subject to enforceable master netting arrangements that are not offset on the Company&#146;s Consolidated Balance
Sheets. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">20 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><U>Derivative Financial Instruments that Qualify for Hedge Accounting
</U></B></FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Refer to Note 12 on pages 89 &#150; 90 of the Annual Report for information on derivatives that
qualify for hedge accounting. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><U>Fair Value Hedges </U></B></FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Interest Rate Contracts </I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Company is exposed to interest rate risk associated with its fixed-rate long-term debt. The Company uses interest rate swaps to economically convert certain fixed-rate debt obligations to
floating-rate obligations at the time of issuance. As of September&nbsp;30, 2014 and December&nbsp;31, 2013, the Company hedged $18.2 billion and $14.7 billion, respectively, of its fixed-rate debt to floating-rate debt using interest rate swaps.
</FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Total Return Contract </I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Company hedged its exposure to changes in the fair value of its equity investment in ICBC in local currency. The Company used a total return contract (TRC) to transfer this exposure to its derivative
counterparty. On July&nbsp;18, 2014, the Company sold its remaining 34.3&nbsp;million shares in ICBC and terminated the TRC. As of December&nbsp;31, 2013, the fair value of the equity investment in ICBC was $122 million (180.7 million shares). Prior
to termination, to the extent the hedge was effective, the gain or loss on the TRC offset the gain or loss on the investment in ICBC. Any difference between the changes in the fair value of the derivative and the hedged item resulted in hedge
ineffectiveness and was recognized in Other expenses in the Consolidated Statements of Income. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following
table summarizes the impact on the Consolidated Statements of Income associated with the Company&#146;s hedges of its fixed-rate long-term debt and its investment in ICBC for the three and nine months ended September&nbsp;30: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="41%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="27" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5" COLSPAN="27"></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="27" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">For the Three Months Ended September&nbsp;30:<I>
(Millions)</I></FONT></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="26"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="25" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Gains (losses) recognized in
income</FONT></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="10"></TD>
<TD HEIGHT="5" COLSPAN="10"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="8" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Derivative contract</FONT></P></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="8" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Hedged item</FONT></P></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net hedge<BR>ineffectiveness</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Derivative</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">relationship</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income&nbsp;Statement Line&nbsp;Item</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amount</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income&nbsp;Statement Line&nbsp;Item</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR></TD>
<TD VALIGN="bottom" COLSPAN="5" STYLE="border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amount</FONT><BR></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT><BR></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest rate contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other&nbsp;expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(109</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other&nbsp;expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>112</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(6)</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total return contract</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><FONT STYLE="white-space:nowrap">Other&nbsp;non-interest</FONT> revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><FONT STYLE="white-space:nowrap">Other&nbsp;non-interest</FONT> revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="27"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="27" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="40%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="27" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5" COLSPAN="27"></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="27" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">For the Nine Months Ended September&nbsp;30:<I>
(Millions)</I></FONT></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="26"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="25" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Gains (losses) recognized in
income</FONT></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="10"></TD>
<TD HEIGHT="5" COLSPAN="10"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="8" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Derivative contract</FONT></P></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="8" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Hedged item</FONT></P></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="4" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net hedge</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">ineffectiveness</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Derivative</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">relationship</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income&nbsp;Statement Line Item</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amount</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income&nbsp;Statement Line Item</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amount </FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest rate contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other&nbsp;expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(170</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(305</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other&nbsp;expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>176</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">295</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(10)</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total return contract</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><FONT STYLE="white-space:nowrap">Other&nbsp;non-interest</FONT> revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>11</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><FONT STYLE="white-space:nowrap">Other&nbsp;non-interest</FONT> revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(11</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="27"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="27" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company also recognized a net reduction in interest expense on long-term debt
of $74 million and $76 million for the three months ended September&nbsp;30, 2014 and 2013, respectively, and $217 million and $280 million for the nine months ended September&nbsp;30, 2014 and 2013, respectively, primarily related to the net
settlements (interest accruals) on the Company&#146;s interest rate derivatives designated as fair value hedges. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><U>Net
Investment Hedges </U></B></FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The effective portion of the gain or (loss) on net investment hedges, net of taxes,
recorded in AOCI as part of the cumulative translation adjustment was $246 million and $(123) million for the three months ended September&nbsp;30, 2014 and 2013, respectively, and was $113 million and $160 million for the nine months ended
September&nbsp;30, 2014 and 2013, respectively. Any ineffective portion of the gain or (loss) on net investment hedges is recognized in other expenses during the period of change. During the three months ended
</FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">21 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">
September&nbsp;30, 2014 and 2013, the Company reclassified $(1) million and nil, respectively, and $9 million and nil for the nine months ended September&nbsp;30, 2014 and 2013, respectively,
from AOCI to earnings as a component of other expenses. No ineffectiveness associated with net investment hedges was reclassified from AOCI into income during the three and nine months ended September&nbsp;30, 2014 and 2013. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><U>Derivatives Not Designated as Hedges </U></B></FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">For information on derivatives not designated as hedges, refer to Note 12 on page 90 of the Annual Report. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table summarizes the impact on pretax earnings of derivatives not designated as hedges, as reported on the
Consolidated Statements of Income for the three and nine months ended September&nbsp;30: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="31%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="17" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5" COLSPAN="3"></TD>
<TD HEIGHT="5" COLSPAN="14"></TD></TR>
<TR>
<TD COLSPAN="3" VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="12" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Pretax gains</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">For&nbsp;the&nbsp;Three&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">For&nbsp;the&nbsp;Nine&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR></TD>
<TD VALIGN="bottom" COLSPAN="5" STYLE="border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amount </FONT><BR></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT><BR></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" STYLE="border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amount </FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I></I>Description<I> (Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income Statement Line Item</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest rate contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Foreign exchange contracts&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other&nbsp;expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>84</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">108</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cost&nbsp;of&nbsp;Card&nbsp;Member&nbsp;services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>88</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;109</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="17"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="17" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Foreign exchange contracts include forwards and embedded foreign currency derivatives. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Fair Values </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><U>Financial Assets and Financial Liabilities Carried at Fair Value </U></B></FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">For information about the Company&#146;s valuation techniques for financial assets and financial liabilities measured at
fair value and the fair value hierarchy, refer to Note 3 on pages 68 &#150; 70 of the Annual Report. Refer to Note 12 on pages 87 &#150; 90 of the Annual Report for additional information about the fair value of the Company&#146;s derivative
financial instruments. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table summarizes the Company&#146;s financial assets and financial
liabilities measured at fair value on a recurring basis, categorized by GAAP&#146;s valuation hierarchy, as of September&nbsp;30, 2014 and December&nbsp;31, 2013: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="31" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="16"></TD>
<TD HEIGHT="5" COLSPAN="14"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" COLSPAN="13" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="12" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Level&nbsp;1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Level&nbsp;2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Level&nbsp;3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Level&nbsp;1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Level&nbsp;2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Level&nbsp;3</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Assets:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Investment securities:&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#151;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Debt securities and other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,749</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>349</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,400</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,892</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">320</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,572</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Derivatives&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>822</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>822</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">701</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">701</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5,572</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>350</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5,222</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,717</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">444</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,273</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Liabilities:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Derivatives&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>246</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>246</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">213</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">213</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>246</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>246</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">213</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">213</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#151;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="31"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="31" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Refer to Note 5 for the fair values of investment securities and to Note 8 for the fair values of derivative assets and liabilities, on a further
disaggregated basis. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">22 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><U>Financial Assets and Financial Liabilities Carried at Other Than Fair Value
</U></B></FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">For information about the valuation techniques used in the measurement of financial assets and
financial liabilities carried at other than fair value, refer to Note 3 on pages 70 &#150; 71 of the Annual Report. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The following table discloses the estimated fair value for the Company&#146;s financial assets and financial liabilities that are not required to be carried at fair value on a recurring basis, as of
September&nbsp;30, 2014 and December&nbsp;31, 2013. The fair values of these financial instruments are estimates based upon the market conditions and perceived risks as of September&nbsp;30, 2014 and December&nbsp;31, 2013, and require management
judgment. These figures may not be indicative of their future fair values. The fair value of the Company cannot be reliably estimated by aggregating the amounts presented. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="62%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="19" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="14"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B></B>&nbsp;</FONT></P></TD>
<TD ROWSPAN="2" VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Carrying</B></FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Value</B></FONT></P></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B></B>&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" COLSPAN="12" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Corresponding&nbsp;Fair&nbsp;Value&nbsp;Amount</B></FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I></I><B>2014 </B><I>(Billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Level&nbsp;1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Level&nbsp;2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Level&nbsp;3</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Financial Assets:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Financial assets for which carrying values equal or approximate fair value</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash and cash equivalents</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>21</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>21</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>20</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$<FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1&nbsp;<FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#151;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other financial assets&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>48</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>48</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>48</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#151;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Financial assets carried at other than fair value</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>66</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$<FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>66<FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;<FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;66</B></FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Financial Liabilities:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Financial liabilities for which carrying values equal or approximate fair value</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>60</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>60</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>60</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#151;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Financial liabilities carried at other than fair value</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certificates of deposit&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(d)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#151;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Long-term debt</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>56</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$<FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>58<FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT></B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;<FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>58</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#151;</B></FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="19"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="19" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="19"></TD></TR>
<TR>
<TD COLSPAN="19" VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="19" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="14"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD ROWSPAN="2" VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Carrying</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Value</FONT></P></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="12" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Corresponding Fair Value Amount</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I></I>2013 <I>(Billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Level 1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Level 2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Level 3</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Financial Assets:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Financial assets for which carrying values equal or approximate fair value</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash and cash equivalents</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#151;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other financial assets&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">48</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">48</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">48</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#151;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Financial assets carried at other than fair value</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">67</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;67</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Financial Liabilities:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Financial liabilities for which carrying values equal or approximate fair value</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#151;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Financial liabilities carried at other than fair value</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certificates of deposit&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(d)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#151;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Long-term debt</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">55</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">58</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">58</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#151;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="19"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="19" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Reflects time deposits. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Includes accounts receivable (including fair values of Card Member receivables of $6.2 billion and $7.3 billion held by consolidated VIEs as of
September&nbsp;30, 2014 and December&nbsp;31, 2013, respectively), restricted cash and other miscellaneous assets. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Includes fair values of loans of $28.1 billion and $31.0 billion, and long-term debt of $15.6 billion and $18.8 billion held by consolidated VIEs as
of September&nbsp;30, 2014 and December&nbsp;31, 2013, respectively. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(d)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Presented as a component of customer deposits on the Consolidated Balance Sheets. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">23 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><U>Nonrecurring Fair Value Measurements </U></B></FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company has certain assets that are subject to measurement at fair value on a nonrecurring basis. For these assets,
measurement at fair value in periods subsequent to their initial recognition is applicable if determined to be impaired. During the nine months ended September&nbsp;30, 2014 and during the year ended December&nbsp;31, 2013, the Company did not have
any material impaired assets that were required to be measured at fair value. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>10.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Guarantees </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company provides Card Member protection plans that cover losses associated with purchased products,
as well as certain other guarantees in the ordinary course of business. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">In relation to its maximum potential
undiscounted future payments as shown in the table that follows, to date the Company has not experienced any significant losses related to guarantees. The Company&#146;s initial recognition of guarantees is at fair value. In addition, the Company
establishes reserves when a loss is probable and the amount can be reasonably estimated. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table
provides information related to such guarantees as of September&nbsp;30, 2014 and December&nbsp;31, 2013: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="69%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR><I></I>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Maximum&nbsp;potential<BR>undiscounted&nbsp;future<BR>payments&nbsp;</FONT><FONT
STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"><BR><I>(Billions)</I></FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR><I></I>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR><I></I>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Related&nbsp;liability&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"><BR><I>(Millions)</I></FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Type of Guarantee</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card and travel operations&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>44</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>43</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;88</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(d)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>71</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">73</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>45</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>114</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;161</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="15"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Represents the notional amounts that could be lost under the guarantees and indemnifications if there were a total default by the guaranteed
parties. The maximum potential undiscounted future payments for Merchant Protection are measured using management&#146;s best estimate of maximum exposure based on all eligible claims in relation to annual billed business volumes.
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Included in other liabilities on the Company&#146;s Consolidated Balance Sheets. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Primarily includes Return Protection and Merchant Protection. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(d)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Primarily includes guarantees related to the Company&#146;s business dispositions, real estate and joint ventures. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">24 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>11.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Changes In Accumulated Other Comprehensive (Loss) Income </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">AOCI is comprised of items that have not been recognized in earnings but may be recognized in earnings
in the future when certain events occur. Changes in each component of AOCI for the three and nine months ended September&nbsp;30, 2014 and 2013 were as follows: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="47%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="1">For the Three Months Ended September&nbsp;30, 2014 <I>(Millions)</I>, net of
tax</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net&nbsp;Unrealized<BR>Gains&nbsp;(Losses)&nbsp;on<BR>Investment<BR>Securities</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Foreign&nbsp;Currency<BR>Translation<BR>Adjustments</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net Unrealized<BR>Pension&nbsp;and</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="1">Other<BR>Postretirement<BR>Benefit&nbsp;(Losses)<BR>Gains</FONT></P></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Accumulated</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Other</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Comprehensive</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(Loss)
Income</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Balances as of June&nbsp;30, 2014</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">105</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(1,118</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(358</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1,371)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net unrealized gains</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Increase (decrease) due to amounts reclassified into earnings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(13</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(12)</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net translation (loss) of investments in foreign operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(414</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(414)</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net (losses) related to hedges of investment in foreign operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>246</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>246</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Pension and other postretirement benefit gains</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>7&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net change in accumulated other comprehensive (loss) income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(11</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(167</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(171)</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Balances as of September&nbsp;30, 2014</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>94</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(1,285</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(351</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1,542)</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="15"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="47%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><I></I>For the Nine Months Ended September&nbsp;30, 2014<I> </I><I>(Millions)</I><I></I>, net
of tax<I></I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net&nbsp;Unrealized<BR>Gains&nbsp;(Losses)&nbsp;on<BR>Investment<BR>Securities</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Foreign&nbsp;Currency<BR>Translation<BR>Adjustments</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net Unrealized<BR>Pension&nbsp;and</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="1">Other<BR>Postretirement<BR>Benefit&nbsp;(Losses)<BR>Gains</FONT></P></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Accumulated</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="1">Other</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Comprehensive</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000;width:50pt" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(Loss) Income</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Balances as of December&nbsp;31, 2013</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(1,090</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(399</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1,426)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net unrealized gains</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>102</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>102&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Increase (decrease) due to amounts reclassified into earnings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(71</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(66)</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net translation (loss) of investments in foreign operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(313</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(313)</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net (losses) related to hedges of investment in foreign operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>113</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>113&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Pension and other postretirement benefit gains</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>48</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>48&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net change in accumulated other comprehensive income (loss)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>31</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(195</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>48</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(116)</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Balances as of September&nbsp;30, 2014</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>94</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(1,285</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(351</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1,542)</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="15"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="47%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="1">For the Three Months Ended September&nbsp;30, 2013<I> (Millions)</I>, net of
tax</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net&nbsp;Unrealized<BR>Gains&nbsp;(Losses)&nbsp;on<BR>Investment<BR>Securities</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Foreign&nbsp;Currency<BR>Translation<BR>Adjustments</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net Unrealized<BR>Pension&nbsp;and</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="1">Other<BR>Postretirement<BR>Benefit&nbsp;(Losses)<BR>Gains</FONT></P></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Accumulated</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Other</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Comprehensive</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(Loss)
Income</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Balances as of June&nbsp;30, 2013</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">153</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(1,027</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(434</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1,308)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net unrealized (losses)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(25)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Increase (decrease) due to amounts reclassified into earnings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(23)</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net translation gain of investments in foreign operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">134&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net gains related to hedges of investment in foreign operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(123</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(123)</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Pension and other postretirement benefit gains</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">6&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net change in accumulated other comprehensive (loss) income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(48</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(31)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Balances as of September&nbsp;30, 2013</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">105</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(1,016</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(428</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1,339)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="15"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">25 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="48%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="1">For the Nine Months Ended September&nbsp;30, 2013 <I>(Millions)</I>,<I></I> net of
tax</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net&nbsp;Unrealized<BR>Gains&nbsp;(Losses)&nbsp;on<BR>Investment<BR>Securities</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Foreign&nbsp;Currency<BR>Translation<BR>Adjustments</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net Unrealized<BR>Pension and<BR>Other<BR>Postretirement<BR>Benefit&nbsp;(Losses)<BR>Gains</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">Accumulated Other Comprehensive (Loss)
Income</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Balances as of December&nbsp;31, 2012</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">315</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(754</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(488</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(927)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net unrealized (losses)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(141</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(141)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Increase (decrease) due to amounts reclassified into earnings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(69)</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net translation (loss) of investments in foreign operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(422</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(422)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net gains related to hedges of investment in foreign operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">160</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">160&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Pension and other postretirement benefit gains</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">60&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net change in accumulated other comprehensive (loss) income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(210</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(262</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(412)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Balances as of September&nbsp;30, 2013</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">105</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(1,016</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(428</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1,339)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="15"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table presents the effects of reclassifications out of AOCI and into
the Consolidated Statements of Income for the three and nine months ended September&nbsp;30, 2014: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="48%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="17" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="14"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="12" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">(Gains) losses recognized in income</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">For&nbsp;the&nbsp;Three&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">For&nbsp;the&nbsp;Nine&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Income&nbsp;Statement&nbsp;Line&nbsp;Item</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT><BR></TD>
<TD VALIGN="bottom" COLSPAN="5" STYLE="border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">Amount </FONT><BR></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT><BR></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Amount</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Description <I>(Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Available-for-sale securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net gain in AOCI reclassifications for previously unrealized net gains on investment securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1"><FONT STYLE="white-space:nowrap">Other&nbsp;non-interest&nbsp;revenues</FONT></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(21</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(111</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(109)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Related income tax expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Income&nbsp;tax&nbsp;provision</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>40</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">40&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Reclassification to net income related to available-for-sale securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(13</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(71</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(69)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Foreign currency translation adjustments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Reclassification of realized losses on translation adjustments and related hedges</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Other expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Related income tax expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Income tax provision</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Reclassification of foreign currency translation adjustments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">&#151;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Total</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)</B>&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(66</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)</B>&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(69)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="17"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="17" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>12.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Income Taxes </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company is under continuous examination by the Internal Revenue Service (IRS) and tax authorities
in other countries and states in which the Company has significant business operations. The tax years under examination and open for examination vary by jurisdiction. The IRS has completed its field examination of the Company&#146;s federal tax
returns for years through 2007; however, refund claims for certain years continue to be reviewed by the IRS. In addition, the Company is currently under examination by the IRS for the years 2008 through 2011. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company believes it is reasonably possible that its unrecognized tax benefits could decrease within the next
12&nbsp;months by as much as $686 million principally as a result of potential resolutions of prior years&#146; tax items with various taxing authorities. The prior years&#146; tax items include unrecognized tax benefits relating to the
deductibility of certain expenses or losses and the attribution of taxable income to a particular jurisdiction or jurisdictions. Of the $686 million of unrecognized tax benefits, approximately $529 million relates to amounts that if recognized would
be recorded to shareholders&#146; equity and would not impact the Company&#146;s results of operations or the effective tax rate. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">26 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The effective tax rate was 34.2 percent and 34.4 percent for the three
and nine months ended September&nbsp;30, 2014, respectively. The effective tax rate was 31.8 percent and 31.4 percent for the three and nine months ended September&nbsp;30, 2013, respectively. The tax rate for the three and nine months ended
September&nbsp;30, 2013 reflects the resolution of certain prior years&#146; tax items as well as the reversal of a valuation allowance related to deferred tax assets within the business travel organization. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The tax rates for all periods reflect the level of pretax income in relation to recurring permanent tax benefits and
geographic mix of business. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>13.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Earnings Per Common Share (EPS) </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The computations of basic and diluted EPS were as&nbsp;follows: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="67%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Three&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nine&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions, except per share amounts)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Numerator:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Basic and diluted:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,477</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,366</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,438</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,051</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Earnings allocated to participating share awards&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(11</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(35</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(36)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income attributable to common shareholders</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,466</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,354</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,403</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,015</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Denominator:</B>&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"><B></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Basic: Weighted-average common stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,041</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,074</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,051</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,087</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Add: Weighted-average stock options&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Diluted</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,047</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,081</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,057</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,094</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Basic EPS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.41</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4.19</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.69</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Diluted EPS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.40</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4.17</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.67</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="15"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">The Company&#146;s unvested restricted stock awards, which include the right to receive non-forfeitable dividends or dividend equivalents, are
considered participating securities. Calculations of EPS under the two-class method exclude from the numerator any dividends paid or owed on participating securities and any undistributed earnings considered to be attributable to participating
securities. The related participating securities are similarly excluded from the denominator. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">The dilutive effect of unexercised stock options excludes 0.2&nbsp;million and 0.1&nbsp;million of options from the computation of EPS for the three
months ended September&nbsp;30, 2014 and 2013, respectively, and 0.2&nbsp;million options for both the nine months ended September&nbsp;30, 2014 and 2013 because inclusion of the options would have been anti-dilutive. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">For the three and nine months ended September&nbsp;30, 2014 and 2013, the Company met specified performance measures
related to the Subordinated Debentures of $750 million issued in 2006, and maturing in 2036. If the performance measures were not achieved in any given quarter, the Company would be required to issue common shares and apply the proceeds to make
interest payments. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">27 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>14.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Non-Interest Revenue and Expense Detail </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following is a detail of Other commissions and fees: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Three&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nine&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Foreign currency conversion fee revenue</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>225</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">223</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>665</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;655</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Delinquency fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>184</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>539</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">503</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loyalty Partner-related fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>100</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">74</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>286</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">221</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Service fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>94</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>274</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">273</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>39</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>120</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">136</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total Other commissions and fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>642</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">610</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,884</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,788</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="15"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Other primarily includes fee revenue from fees related to Membership Rewards programs. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following is a detail of Other revenues: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Three&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nine&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Global Network Services partner revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>173</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">171</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>513</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;466</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net realized gains and losses on investment securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>20</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>100</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">102</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>400</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">393</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,066</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,137</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total Other revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>593</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">601</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,679</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,705</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="15"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Other includes revenues arising from foreign exchange gains on cross-border Card Member spending, merchant-related fees, insurance premiums earned
from Card Member travel and other insurance programs, Travelers Cheques-related revenues, revenues related to the GBT JV transition services agreement, earnings from equity method investments and other miscellaneous revenue and fees.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following is a detail of Marketing, promotion, rewards, Card Member services and other:
</FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Three&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nine&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Marketing and promotion</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>809</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">827</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,407</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,234</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member rewards</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,695</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,619</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5,050</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,740</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member services and other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>205</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">197</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>619</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">579</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total Marketing, promotion, rewards, Card Member services and other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,709</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,643</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8,076</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7,553</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="15"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Marketing and promotion expense includes advertising costs, which are expensed in
the year in which the advertising first takes place. Card Member rewards expense includes the costs of rewards programs, including Membership Rewards and co-brand arrangements. Card Member services expense includes protection plans and complimentary
services provided to Card Members. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">28 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following is a detail of Other, net expenses: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="65%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Three&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nine&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Professional services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>731</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">793</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,240</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,272</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Occupancy and equipment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>432</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">462</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,361</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,394</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card-related fraud losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>96</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>282</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">229</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Communications</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>91</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>285</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">282</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Gain on business travel joint venture transaction</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(15</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(641</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>261</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">269</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>866</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">734</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total Other, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,596</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,691</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,393</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,911</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="15"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Other expense includes general operating expenses, gains (losses) on sale of assets or businesses not classified as discontinued operations (other
than the business travel joint venture transaction), litigation, certain internal and regulatory review-related reimbursements and insurance costs or settlements, investment impairments and certain Loyalty Partner-related expenses.
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>15.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Contingencies </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company and its subsidiaries are involved in a number of legal proceedings concerning matters
arising out of the conduct of their respective business activities and are periodically subject to governmental and regulatory examinations, information gathering requests, subpoenas, inquiries and investigations (collectively, governmental
examinations). As of September&nbsp;30, 2014, the Company and various of its subsidiaries were named as a defendant or were otherwise involved in numerous legal proceedings and governmental examinations in various jurisdictions, both in and outside
the U.S. The Company discloses its material legal proceedings and governmental examinations under Item&nbsp;1. &#147;Legal Proceedings&#148; in Part II. &#147;Other Information&#148;, and under &#147;Legal Proceedings&#148; in the Annual Report
(collectively, Legal Proceedings). </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company has recorded liabilities for certain of its outstanding legal
proceedings and governmental examinations. A liability is accrued when it is both (a)&nbsp;probable that a loss has occurred and (b)&nbsp;the amount of loss can be reasonably estimated. There may be instances in which an exposure to loss exceeds the
accrued liability. The Company evaluates, on a quarterly basis, developments in legal proceedings and governmental examinations that could cause an increase or decrease in the amount of the liability that has been previously accrued or a revision to
the disclosed estimated range of possible losses, as applicable. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company&#146;s legal proceedings range
from cases brought by a single plaintiff to class actions with millions of putative class members. These legal proceedings, as well as governmental examinations, involve various lines of business of the Company and a variety of claims (including,
but not limited to, common law tort, contract, antitrust and consumer protection claims), some of which present novel factual allegations and/or unique legal theories. While some matters pending against the Company specify the damages claimed by the
plaintiff, many seek an unspecified amount of damages or are at very early stages of the legal process. Even when the amount of damages claimed against the Company are stated, the claimed amount may be exaggerated and/or unsupported. As a result,
some matters have not yet progressed sufficiently through discovery and/or development of important factual information and legal issues to enable the Company to estimate a range of possible loss. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">29 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other matters have progressed sufficiently through discovery and/or
development of important factual information and legal issues so that the Company is able to estimate a range of possible loss. Accordingly, for those legal proceedings and governmental examinations disclosed or referred to in Legal Proceedings
where a loss is reasonably possible in future periods, whether in excess of a related accrued liability or where there is no accrued liability, and for which the Company is able to estimate a range of possible loss, the current estimated range is
zero to $350 million in excess of any accrued liability related to these matters. This aggregate range represents management&#146;s estimate of possible loss with respect to these matters and is based on currently available information. This
estimated range of possible loss does not represent the Company&#146;s maximum loss exposure. The legal proceedings and governmental examinations underlying the estimated range will change from time to time and actual results may vary significantly
from current estimates. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Based on its current knowledge, and taking into consideration its litigation-related
liabilities, the Company believes it is not a party to, nor are any of its properties the subject of, any pending legal proceeding or governmental examination that would have a material adverse effect on the Company&#146;s consolidated financial
condition or liquidity. However, in light of the uncertainties involved in such matters, the ultimate outcome of a particular matter could be material to the Company&#146;s operating results for a particular period depending on, among other factors,
the size of the loss or liability imposed and the level of the Company&#146;s earnings for that period. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">30 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AMERICAN EXPRESS COMPANY </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Unaudited) </B></FONT></P> <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>16.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Reportable Operating Segments </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company is a leading global payments and travel company that is principally engaged in businesses
comprising four reportable operating segments: USCS, ICS, GCS and Global Network Merchant Services (GNMS). Corporate functions and certain other businesses, including the Company&#146;s Enterprise Growth Group, as well as other Company operations
are included in Corporate&nbsp;&amp; Other. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table presents certain selected financial
information for the three and nine months ended September&nbsp;30: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="66%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Three&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nine&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Non-interest revenues:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">USCS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3,214</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,050</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9,453</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8,991</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">ICS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,206</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,161</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3,571</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,415</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">GCS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>957</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,277</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3,538</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,787</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">GNMS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,368</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,309</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,027</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,856</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Corporate&nbsp;&amp; Other, including adjustments and eliminations&nbsp;</FONT><FONT
STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>189</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">221</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>548</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">650</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6,934</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,018</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>21,137</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;20,699</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Interest income:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">USCS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,465</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,408</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,296</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,148</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">ICS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>273</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">281</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>825</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">830</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">GCS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>11</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">GNMS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>14</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>35</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Corporate&nbsp;&amp; Other, including adjustments and eliminations&nbsp;</FONT><FONT
STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>59</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>183</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">213</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,815</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,767</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5,350</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5,223</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Interest expense:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">USCS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>152</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>455</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;532</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">ICS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>85</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">86</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>259</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">273</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">GCS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>61</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>186</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">181</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">GNMS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(68</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(208</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(187)</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Corporate&nbsp;&amp; Other, including adjustments and eliminations&nbsp;</FONT><FONT
STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>190</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">229</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>610</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">696</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>420</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">484</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,302</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,495</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Total revenues net of interest expense:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">USCS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,527</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,286</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>13,294</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12,607</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">ICS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,394</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,356</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,137</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,972</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">GCS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>900</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,221</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3,363</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,615</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">GNMS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,450</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,379</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,270</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,066</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Corporate&nbsp;&amp; Other, including adjustments and eliminations&nbsp;</FONT><FONT
STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>58</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>121</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">167</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8,329</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,301</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>25,185</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;24,427</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Net income (loss):</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">USCS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>889</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">782</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,535</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,329</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">ICS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>142</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">142</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>378</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">528</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">GCS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>204</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">261</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>949</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">678</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">GNMS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>427</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">391</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,243</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,176</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Corporate&nbsp;&amp; Other, including adjustments and eliminations&nbsp;</FONT><FONT
STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(185</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(210</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(667</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(660)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,477</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,366</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,438</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,051</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="15"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Corporate&nbsp;&amp; Other includes adjustments and eliminations for intersegment activity. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">31 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="8%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc808273_9"></A>ITEM&nbsp;2.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS </B></FONT></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Business Introduction </I></B></FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">When we use the terms &#147;American Express,&#148; &#147;the Company,&#148; &#147;we,&#148; &#147;our&#148; or &#147;us,&#148; we mean American Express Company and its subsidiaries on a consolidated
basis, unless we state or the context implies otherwise. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">We are a global services company with four
reportable operating segments: U.S. Card Services (USCS), International Card Services (ICS), Global Commercial Services (GCS) and Global Network and Merchant Services (GNMS). We provide our customers with access to products, insights and experiences
that enrich lives and build business success. Our principal products and services are charge and credit payment card products and travel-related services offered to consumers and businesses around the world. Effective July&nbsp;1, 2014, business
travel-related services are offered through the non-consolidated joint venture, American Express Global Business Travel (GBT JV). Prior to July 1, 2014, the business travel operations were previously wholly owned. Our range of products and services
includes: </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">charge and credit card products; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">expense management products and services; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">consumer and business travel services; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">stored-value products such as Travelers Cheques and other prepaid products; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">network services; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">merchant acquisition and processing, servicing and settlement, and point-of-sale, marketing and information products and services for merchants; and
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">fee services, including fraud prevention services and the design of customized customer loyalty and rewards programs. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our products and services are sold globally to 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 direct response advertising. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">We compete in the global payments industry with charge, credit and debit card networks, issuers and acquirers, as well as
evolving alternative payment mechanisms, systems and products. As the payments industry continues to evolve, we face increasing competition from non-traditional players that leverage new technologies and customers&#146; existing card accounts and
bank relationships to create payment or other fee-based solutions. We are transforming our existing businesses and creating new products and services for the digital marketplace as we seek to enhance our customers&#146; digital experiences and
develop platforms for online and mobile commerce. Emerging technologies also provide an opportunity to deliver financial products and services that help new and existing customer segments move and manage their money, which we are pursuing through
our Enterprise Growth Group (EGG). </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our products and services generate the following types of revenue for the
Company: </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Discount revenue, our largest revenue source, which represents fees generally charged to merchants when Card Members use their cards to purchase
goods and services at merchants on the Company&#146;s network; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net card fees, which represent revenue earned for annual card membership fees; </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">32 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Travel commissions and fees, which are earned by charging a transaction or management fee to both customers and suppliers for travel-related
transactions (business travel commissions and fees included through June&nbsp;30, 2014); </FONT></P></TD></TR></TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other commissions and fees, which are earned on foreign exchange conversions, card-related fees and assessments, Loyalty Partner-related fees and
other service fees; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other revenue, which represents revenues arising from contracts with partners of our Global Network Services (GNS) business (including royalties and
signing fees), insurance premiums earned from Card Member travel and other insurance programs, Travelers Cheques and prepaid card-related revenues, revenues related to the GBT JV transition services agreement, earnings from equity method investments
(including the GBT JV) and other miscellaneous revenue and fees; and </FONT></P></TD></TR></TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest on loans, which principally represents interest income earned on outstanding balances. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">In addition to funding and operating costs associated with these types of revenue, other major expense categories are
related to marketing and rewards programs that add new Card Members and promote Card Member loyalty and spending, provisions for Card Member credit losses and expenses for card-related fraud losses. </FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Financial Targets </I></B></FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">We seek to achieve three financial targets, on average and over time: </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Revenues net of interest expense growth of at least 8 percent; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Earnings per share (EPS) growth of 12 to 15 percent; and </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Return on average equity (ROE) of 25 percent or more. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">If we achieve our EPS and ROE targets, we will seek to return on average and over time approximately 50 percent of the
capital we generate to shareholders as dividends or through the repurchases of common stock, which may be subject to certain regulatory restrictions as described herein. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B><I>Forward-Looking Statements and Non-GAAP Measures </I></B></FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certain of the statements in this Form 10-Q are forward-looking statements within the meaning of the Private Securities
Litigation Reform Act of 1995. Refer to the &#147;Cautionary Note Regarding Forward-Looking Statements&#148; section. We prepare our Consolidated Financial Statements in accordance with accounting principles generally accepted in the United States
of America (GAAP). However, certain information included within this Form 10-Q constitute non-GAAP financial measures. Our calculations of non-GAAP financial measures may differ from the calculations of similarly titled measures by other companies.
</FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Bank Holding Company </I></B></FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">American Express Company is a bank holding company under the Bank Holding Company Act of 1956 and The Board of Governors of the Federal Reserve (the Federal Reserve) is our primary federal regulator. As
such, we are subject to the Federal Reserve&#146;s regulations, policies and minimum capital standards. </FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Current Business
Environment/Outlook </I></B></FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our results for the third quarter of 2014 reflect increased spending by Card
Members, growth in average Card Member loans and continued low write-off rates, while our strong balance sheet allowed us to return a substantial amount of capital to our shareholders. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">33 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member billed business increased 9 percent over the prior year, both
within and outside the U.S., in line with growth rates in the second quarter, while discount revenue increased 5 percent over the prior year. The gap between billed business growth and discount revenue growth, which was wider this quarter than in
recent quarters, was primarily due to accelerated growth of our GNS business and a lower discount rate, as well as higher corporate client incentives and strong growth in our cash rebate rewards products in the current year. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The average discount rate of 2.49 percent for the third quarter of 2014 decreased by 3 basis points from an average rate
of 2.52 percent in the third quarter of 2013. In the current quarter, the discount rate was impacted by various factors, including changes in the mix of Card Member spending by industry as well our OptBlue program, through which third-party
acquirers contract directly with U.S. small merchants for American Express card acceptance. We continue to believe that OptBlue will bring incremental volumes onto our network, and provide attractive economics for our business. As indicated in prior
quarters, changes in the mix of spending by location and industry, volume-related pricing discounts, strategic investments, certain pricing initiatives, competition in the market and other factors will likely result in continued erosion of the
average discount rate over time. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average loans continued to grow year over year, which, along with lower
funding costs, led to a 9 percent increase in net interest income. Credit write-off rates remained near historically low levels, though we expect, at some point, credit write-off rates will increase from such levels. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%;padding-bottom:0px; " ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Last year&#146;s third quarter results included revenues and expenses from our business travel
operations, which were deconsolidated as a result of the previously announced joint venture transaction that closed on June&nbsp;30, 2014. Total expenses decreased 5 percent from the prior year, primarily reflecting expenses related to business
travel operations in the prior year. Excluding those expenses from the year ago period, adjusted expenses rose 1 percent for the third quarter of 2014.</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"> Operating expenses for the quarter decreased 11 percent, primarily reflecting expenses related to business travel
operations in the prior year. Excluding those expenses from the year ago period, adjusted operating expenses were flat year over year.</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">1</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"> We remain committed to our goal to have operating expenses grow at an annual rate of less than 3 percent in 2014 after
adjusting for the impact of the business travel joint venture transaction and items related to restructuring, transaction-related costs and a contribution to the American Express Foundation discussed in our Quarterly Report on Form 10-Q for the
quarter ended June&nbsp;30, 2014. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">In 2008, we entered into an operating agreement with, and made a strategic
investment in, Concur Technologies. During the third quarter, SAP announced its proposed acquisition of Concur. If this proposed transaction is completed, it would result in a gain for us of approximately $700 million. Currently, Concur and
SAP&#146;s public expectation is that the transaction will close in the fourth quarter of this year or the first quarter of 2015. Given this expected gain, we plan to make additional investments in business building activities and initiatives
designed to improve operating efficiencies. Potential growth initiatives could include incremental customer acquisition activities across our core businesses, as well as investments to strengthen partner relationships. These investments would
provide valuable flexibility to deal proactively with a global regulatory and competitive environment that is rapidly changing. </FONT></P>
<P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;margin-left:3%;border-bottom:0.5pt solid #000000; width:21%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">1</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Adjusted total expense growth and adjusted operating expense growth are non-GAAP measures.&nbsp;Management believes these metrics are useful in
evaluating the ongoing performance of the Company.&nbsp;The adjusted growth rates are calculated by comparing total expenses of $5,595 million and operating expenses of $2,886 million, each on a GAAP basis for the quarter ended September&nbsp;30,
2014, with total expenses of $5,878 million and operating expenses of $3,235 million, each on a GAAP basis for the quarter ended September&nbsp;30, 2013, respectively, excluding the following GBT-related expenses from the third quarter 2013:
(i)&nbsp;$336 million from total expenses and (ii)&nbsp;$335 million from operating expenses.&nbsp;The adjusted growth rates do not adjust for other GBT-related items, including equity earnings from the joint venture, transaction-related costs and
impacts related to a transition service agreement that will phase out over time.</FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">34 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Regulation of the payments industry has increased significantly in recent
years and various governments around the world have established or are proposing to establish payment system regulatory regimes. The regulatory environment has heightened the focus that all financial services firms, including us, must have on
controls and processes. We expect our products and practices will be a continuing focus of our regulators. See &#147;Certain Legislative, Regulatory and Other Developments&#148; for additional information on the legislative and regulatory
environment. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Competition remains extremely intense across the payments business. Traditional competitors and
new entrants deploy increasingly greater financial and other resources to attract customers and business partners and to develop new platforms and technologies. To remain competitive, we need to continue to demonstrate the value we deliver to
merchants, customers and business partners in all aspects of our relationships. In connection with our co-brand relationships, we are focusing on those relationships that offer the best value to our Card Members while also providing appropriate
returns to our business. Changes in our co-brand relationships could have a significant adverse impact on our business and results of operations in the future. The actual impact on our financial performance will depend on factors such as our ability
to offer attractive propositions to Card Members, grow other sources of revenue and implement expense control initiatives, although there can be no assurance that these measures will be successful. See Part II, Item&nbsp;1A. &#147;Risk Factors&#148;
of our Quarterly Report on Form 10-Q for the quarter ended June&nbsp;30, 2014 for a discussion of the risks related to competition for partner relationships. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">While our business is diversified by product and geography, including a range of consumer and commercial card offerings, a large international business and GNS partners around the world, the global
economic environment remains challenging. In addition, our results could be adversely affected by volatility in foreign exchange rates, changes in interest rates or the failure of the U.S. Congress to renew legislation regarding our active financing
income, which could increase our effective tax rate and have an adverse impact on net income in 2015 and beyond. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">35 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>American Express Company </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Consolidated Results of Operations </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Refer to the &#147;Glossary of Selected Terminology&#148; for the definitions of certain key terms and related information appearing within this section. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Table 1: Summary of Financial Performance </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="67%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="29" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><I>(Millions, except percentages and per share amounts)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Three&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ROWSPAN="2" STYLE="border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">Change<BR>2014&nbsp;vs.&nbsp;2013</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Nine&nbsp;Months&nbsp;Ended</FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1">September&nbsp;
30,</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Change<BR>2014&nbsp;vs.&nbsp;2013</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total revenues net of interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>8,329</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">8,301</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&#151;&nbsp;%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>25,185</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">24,427</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">758</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;3&nbsp;%</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Provisions for losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>488</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">419</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;16&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,462</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,353</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">109</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>5,595</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">5,878</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(283</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;(5)&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>16,957</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">17,166</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(209</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;(1)&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,477</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,366</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">111</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4,438</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">4,051</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">387</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Earnings per common share &#151;
diluted&nbsp;<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1.40</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1.25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">0.15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;12&nbsp;%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4.17</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">3.67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">0.50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;14&nbsp;%</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Return on average equity&nbsp;<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>28.8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">24.3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>28.8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">24.3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Return on average tangible common
equity&nbsp;<SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>35.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">30.6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>35.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">30.6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="29"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="29" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Earnings per common share &#151; diluted was reduced by the impact of earnings allocated to participating share awards and other items of $11
million and $12 million for three months ended September&nbsp;30, 2014 and 2013, respectively, and $35 million and $36 million for the nine months ended September&nbsp;30, 2014 and 2013. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">ROE is computed by dividing (i)&nbsp;one-year period net income ($5.7 billion and $4.7 billion for September&nbsp;30, 2014 and 2013, respectively)
by (ii)&nbsp;one-year average total shareholders&#146; equity ($19.9 billion and $19.3 billion for September&nbsp;30, 2014 and 2013, respectively). </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Return on average tangible common equity, a non-GAAP measure, is computed in the same manner as ROE except the computation of average tangible
common equity, a non-GAAP measure, excludes from average total shareholders&#146; equity, average goodwill and other intangibles of $3.9 billion and $4.1 billion as of September&nbsp;30, 2014 and 2013, respectively. We believe return on average
tangible common equity is a useful measure of the profitability of our business. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Table 2: Total Revenue
Net of Interest Expense Summary </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="60%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="29" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Three&nbsp;Months&nbsp;Ended<BR>September&nbsp;30, </FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="4" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Change</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1">2014&nbsp;vs.&nbsp;2013</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Nine&nbsp;Months&nbsp;Ended<BR>September&nbsp;30, </FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="4" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Change</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1">2014&nbsp;vs.&nbsp;2013</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><I>(Millions, except percentages)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Discount revenue</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4,915</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">4,659</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">256</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;5&nbsp;%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>14,506</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">13,826</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">680</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;5&nbsp;%</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net card fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>680</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">658</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2,041</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,958</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Travel commissions and fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>104</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">490</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(386</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">(79)&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,027</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,422</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(395</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">(28)&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Other commissions and fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>642</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">610</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,884</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,788</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>593</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">601</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;(1)&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,679</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,705</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;(2)&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total non-interest revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>6,934</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">7,018</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(84</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;(1)&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>21,137</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">20,699</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">438</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,815</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,767</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">48</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>5,350</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">5,223</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">127</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>420</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">484</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(64</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">(13)&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,302</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,495</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">(13)&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,395</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,283</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">112</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4,048</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">3,728</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">320</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Total revenues net of interest expense</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>8,329</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">8,301</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&#151;&nbsp;%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>25,185</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">24,427</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">758</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;3&nbsp;%</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="29"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="29" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Total Revenues Net of Interest Expense </I></B></FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Discount revenue increased $256 million or 5 percent and $680 million or 5 percent for the three and nine months ended
September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year. The increases were driven by growth in billed business of 9 percent, partially offset by a decrease in the average discount rate, faster growth in GNS billings
than in overall Company billings, as we share the discount revenue we earn from merchants with our GNS issuing bank partners, and higher cash rebate rewards and corporate client incentives. Billed business increased 9 percent and 8 percent for the
three and nine month periods, respectively, in both the U.S. and outside the U.S. See Tables 5, 6 and 7 for more detail on billed business performance. The average discount rate was 2.49 percent for both the three and nine months ended
September&nbsp;30, 2014 and 2.52 percent for both the three and nine months ended September&nbsp;30, 2013. See &#147;Current Business Environment/Outlook&#148; for information on the changes in the average discount rate. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net card fees increased $22 million or 3 percent and $83 million or 4 percent for the three and nine months ended
September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year, primarily reflecting growth in total cards-in-force. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">36 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Travel commissions and fees decreased $386 million or 79 percent and $395
million or 28 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year, primarily due to the business travel joint venture transaction, resulting in a lack of comparability
between periods. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other commissions and fees increased $32 million or 5 percent and $96 million or 5 percent
for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year. The increases were primarily driven by higher revenue from our Loyalty Partner business and higher delinquency fees.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other revenue decreased $8 million or 1 percent and $26 million or 2 percent for the three and nine months
ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year, primarily driven by the loss of revenue following the sale of our publishing business in October 2013. The decrease in the three month period was
partially offset by revenues received for transitional services provided to the GBT JV, higher Loyalty Edge revenue and a net increase in gains realized upon the sales of investments in Concur Technologies and the Industrial and Commercial Bank of
China (ICBC). The decrease in the nine month period was partially offset by lower Card Member reimbursements, higher Loyalty Edge revenue, revenues received for transitional services provided to the GBT JV and a net increase in gains realized upon
the sales of investments in Concur Technologies and ICBC. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest income increased $48 million or 3 percent
and $127 million or 2 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year. The increases reflected higher interest on loans, driven by growth in average Card Member
loans, which was partially offset by higher Card Member reimbursements. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expense decreased $64
million or 13 percent and $193 million or 13 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year. The decreases were primarily driven by lower funding costs.
</FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Table 3: Provisions for Losses Summary </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="60%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="29" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Three&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="4" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Change</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1">2014&nbsp;vs.&nbsp;2013</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Nine&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="4" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Change</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1">2014&nbsp;vs.&nbsp;2013</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><I>(Millions, except percentages)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Charge card</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>196</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;23&nbsp;%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>594</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">474</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">120</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;25&nbsp;%</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Card Member loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>265</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">248</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>797</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">825</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;(3)&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>27</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;#&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>71</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">54</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;31&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Total provisions for losses</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>488</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">419</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;16&nbsp;%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,462</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,353</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">109</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;8&nbsp;%</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="29"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="29" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">#</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Denotes a variance greater than 100 percent </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B><I>Provisions for Losses </I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Charge card provision for
losses increased $37 million or 23 percent and $120 million or 25 percent for the three and nine month periods ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year, driven primarily by higher write-offs and
a larger reserve build in the current year due to higher average Card Member receivables. Card Member loans provision for losses increased $17 million or 7 percent and decreased $28 million or 3 percent for the three and nine month periods ended
September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year. The increase for the three month period was driven by a lower reserve release, partially offset by lower net write-offs due to improved credit performance. The
decrease in the nine month period was driven by lower net write-offs due to improved credit performance, partially offset by a lower reserve release. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">37 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Table 4: Expenses Summary </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="59%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="29" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Three&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="4" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Change</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1">2014&nbsp;vs.&nbsp;2013</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Nine&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="4" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Change</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1">2014&nbsp;vs.&nbsp;2013</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><I>(Millions, except percentages)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Marketing and promotion</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>809</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">827</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;(2)%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2,407</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2,234</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">173</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;8&nbsp;%</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Card Member rewards</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,695</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,619</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>5,050</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">4,740</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">310</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Card Member services and other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>205</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">197</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>619</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">579</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total Marketing, promotion, rewards,</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Card Member services and other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2,709</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2,643</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">66</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>8,076</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">7,553</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">523</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Salaries and employee benefits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,290</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,544</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(254</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">(16)&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4,488</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">4,702</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(214</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;(5)&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Other, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,596</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,691</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(95</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;(6)&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4,393</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">4,911</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(518</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">(11)&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>5,595</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">5,878</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(283</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;(5)%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>16,957</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">17,166</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(209</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;(1)%</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="29"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="29" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Expenses </I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Marketing and promotion expense decreased $18 million or 2 percent and increased $173 million or 8 percent for the three
and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year. The increase in the nine month period was driven by the reinvestment, in the second quarter, of a significant portion of the gain from
the business travel joint venture transaction in growth initiatives across all segments. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member rewards
expense increased $76 million or 5 percent for the three months ended September&nbsp;30, 2014, as compared to the same period in the prior year. The increase reflected higher co-brand rewards expense of $28 million, primarily related to higher
spending volumes, and an increase in Membership Rewards expense of $48 million, both of which were partially offset by a change in estimate of certain rewards-related reserves. The increase in Membership Rewards expense was primarily due to an $86
million increase related to higher new points earned, in line with higher spending volume, partially offset by a $38 million decrease in the liability related to points previously earned but not yet redeemed. The decrease was driven by slower
average growth in the Ultimate Redemption Rate (URR) and favorable changes in the weighted average cost per point (WAC) assumptions as compared to the same period in the prior year. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member rewards expense increased $310 million or 7 percent for the nine months ended September&nbsp;30, 2014, as
compared to the same period in the prior year. The increase reflected higher co-brand rewards expense of $130 million, primarily related to higher spending volumes, and an increase in Membership Rewards expense of $180 million, both of which were
partially offset by a change in estimate of certain rewards-related reserves. The increase in Membership Rewards expense was primarily due to a $222 million increase related to higher new points earned, in line with higher spending volume, partially
offset by a $42 million decrease in the liability related to points previously earned but not yet redeemed. The decrease was driven by slower average growth in the URR and favorable changes in WAC assumptions as compared to the same period in the
prior year. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Membership Rewards URR for current program participants was 95 percent <I>(rounded up)</I> at
September&nbsp;30, 2014, an increase from 94 percent <I>(rounded down)</I> at September&nbsp;30, 2013. The increase in the URR reflected greater engagement in our Membership Rewards program. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member services and other expense increased $8 million or 4 percent and $40 million or 7 percent for the three and
nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year, primarily driven by increased engagement levels and use of certain Card Member benefits. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">38 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Salaries and employee benefits expense decreased $254 million or 16 percent
and $214 million or 5 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year, primarily due to the business travel joint venture transaction, resulting in a lack of
comparability between periods. The decrease in the nine month period was partially offset by a restructuring charge in the second quarter of 2014. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Other expense decreased $95 million or 6 percent and $518 million or 11 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior
year, primarily due to the business travel joint venture transaction, resulting in a lack of comparability between periods. The nine month period also reflected the net gain recognized as a result of the business travel joint venture transaction in
the second quarter of 2014, partially offset by a charitable contribution to the American Express Foundation and a change in the estimated value of certain investments in our Community Reinvestment Act portfolio. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Income Taxes </I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The effective tax rate was 34.2 percent and 31.8 percent for the three months ended September&nbsp;30, 2014, and 2013, respectively. The effective tax rate was 34.4 percent and 31.4 percent for the nine
months ended September&nbsp;30, 2014 and 2013, respectively. The tax rates in all periods primarily reflected the level of pretax income in relation to recurring permanent tax benefits and the geographic mix of business. Additionally, the effective
tax rate for the three and nine months ended September&nbsp;30, 2013 reflected the resolution of certain prior years&#146; tax items as well as the reversal of a valuation allowance related to deferred tax assets within the business travel
organization. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Table 5: Selected Statistical Information </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="54%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="21" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Three&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Change</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">2014&nbsp;vs.&nbsp;2013</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nine&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Change</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2014&nbsp;vs.&nbsp;2013</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom"> <P STYLE="border-bottom:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card billed business: <I>(billions) </I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">United States</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>173.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">158.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">9%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>505.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">467.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">8%</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Outside the United States</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>85.1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">78.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">9&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>248.7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">230.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">8&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>258.1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">236.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">9&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>754.3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">698.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">8&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total cards-in-force: <I>(millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">United States</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>54.5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">52.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">3&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>54.5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">52.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">3&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Outside the United States</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>56.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">52.6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">8&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>56.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">52.6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">8&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>111.1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">105.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">5&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>111.1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">105.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">5&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Basic cards-in-force:<I> (millions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">United States</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>42.2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">40.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">3&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>42.2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">40.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">3&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Outside the United States</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>46.3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">42.6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">9&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>46.3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">42.6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">9&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>88.5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">83.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">6&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>88.5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">83.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">6&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average discount rate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2.49</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2.49</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average basic Card Member spending&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,223</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,037</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">5&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>12,504</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,040</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">4&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average fee per card&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>40</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>41</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">3&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average fee per card adjusted&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>45</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">2%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>45</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">2%</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="21"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="21" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Average basic Card Member spending and average fee per card are computed from proprietary card activities only. Average fee per card is computed
based on net card fees, including the amortization of deferred direct acquisition costs divided by average worldwide proprietary cards-in-force. The adjusted average fee per card, which is a non-GAAP measure, is computed in the same manner, but
excludes amortization of deferred direct acquisition costs. The amount of amortization excluded was $77 million and $67 million for the three months ended September&nbsp;30, 2014 and 2013, respectively, and $227 million and $198 million for the nine
months ended September&nbsp;30, 2014 and 2013, respectively. We present adjusted average fee per card because we believe this metric presents a useful indicator of card fee pricing across a range of our proprietary card products.
</FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">39 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The table below summarizes selected statistics for billed business and
average spend during the three months ended September&nbsp;30, 2014, compared to the same period in the prior year: </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Table
6: Selected Statistical Information </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="72%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Three&nbsp;Months&nbsp;Ended</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">September 30,&nbsp;2014</FONT></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom"> <P STYLE="border-bottom:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Percentage</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Increase</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(Decrease)</FONT></P></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Percentage&nbsp;Increase</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Assuming</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">No&nbsp;Changes in</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Foreign Exchange</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Rates&nbsp;
</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Worldwide&nbsp;<FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Billed business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>10%</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proprietary billed business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">GNS billed business&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>16</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>17&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Airline-related volume (9% of worldwide billed business)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>United States&nbsp;<FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Billed business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proprietary consumer card billed business&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(d)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proprietary small business billed business&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(d)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proprietary corporate services billed business&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(e)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">T&amp;E-related volume (26% of U.S. billed business)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-T&amp;E-related volume (74% of U.S. billed business)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Airline-related volume (8% of U.S. billed business)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Outside the United States&nbsp;<FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Billed business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>11&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Japan, Asia Pacific&nbsp;&amp; Australia (JAPA) billed business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>16</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>16&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Latin America&nbsp;&amp; Canada (LACC) billed business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Europe, the Middle East&nbsp;&amp; Africa (EMEA) billed business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proprietary consumer and small business billed business&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(f)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">JAPA billed business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">LACC billed business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">EMEA billed business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proprietary corporate services billed business&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(e)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5%</B></FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">The foreign currency adjusted information assumes a constant exchange rate between the periods being compared for purposes of currency translation
into U.S. dollars (i.e., assumes the foreign exchange rates used to determine results for the three months ended September 30, 2014 apply to the corresponding year-earlier period against which such results are being compared). We believe the
presentation of information on a foreign currency adjusted basis is helpful to investors by making it easier to compare our performance in one period to that of another period without the variability caused by fluctuations in currency exchange
rates. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Captions in the table above not designated as &#147;proprietary&#148; or &#147;GNS&#148; include both proprietary and GNS data.
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Included in the GNMS segment. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(d)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Included in the USCS segment. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(e)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Included in the GCS&nbsp;segment. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(f)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Included in the ICS&nbsp;segment. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">40 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The table below summarizes selected statistics for billed business and
average spend during the nine months ended September&nbsp;30, 2014, compared to the same period in the prior year: </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Table
7: Selected Statistical Information </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="72%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nine&nbsp;Months&nbsp;Ended</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">September 30, 2014</FONT></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom"> <P STYLE="border-bottom:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Percentage</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Increase</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(Decrease)</FONT></P></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Percentage&nbsp;Increase</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Assuming</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">No&nbsp;Changes in</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Foreign Exchange</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Rates&nbsp;
</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Worldwide&nbsp;<FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Billed business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9%</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proprietary billed business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">GNS billed business&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>13</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>15&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Airline-related volume (9% of worldwide billed business)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>United States&nbsp;<FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Billed business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proprietary consumer card billed business&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(d)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proprietary small business billed business&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(d)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proprietary corporate services billed business&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(e)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">T&amp;E-related volume (27% of U.S. billed business)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-T&amp;E-related volume (73% of U.S. billed business)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Airline-related volume (8% of U.S. billed business)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Outside the United States&nbsp;<FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Billed business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>10&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">JAPA billed business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>11</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>14&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">LACC billed business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">EMEA billed business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proprietary consumer and small business billed business&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(f)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">JAPA billed business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">LACC billed business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>5&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">EMEA billed business</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proprietary corporate services billed business&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(e)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6%</B></FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">The foreign currency adjusted information assumes a constant exchange rate between the periods being compared for purposes of currency translation
into U.S. dollars (i.e., assumes the foreign exchange rates used to determine results for the nine months ended September&nbsp;30, 2014 apply to the corresponding year-earlier period against which such results are being compared). We believe the
presentation of information on a foreign currency adjusted basis is helpful to investors by making it easier to compare our performance in one period to that of another period without the variability caused by fluctuations in currency exchange
rates. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Captions in the table above not designated as &#147;proprietary&#148; or &#147;GNS&#148; include both proprietary and GNS data.
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Included in the GNMS segment. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(d)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Included in the USCS segment. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(e)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Included in the GCS&nbsp;segment. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(f)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Included in the ICS&nbsp;segment. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">41 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Table 8: Selected Statistical Information </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="52%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="21" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">As&nbsp;of&nbsp;or&nbsp;for&nbsp;the<BR>Three&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Change<BR>2014&nbsp;vs.&nbsp;2013</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">As&nbsp;of&nbsp;or&nbsp;for&nbsp;the<BR>Nine&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Change 2014&nbsp;vs.&nbsp;2013</FONT></P></TD></TR>

<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions,&nbsp;except percentages and where indicated)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Worldwide Card Member receivables:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total receivables <I>(billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>45.1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">43.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;4&nbsp;%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>45.1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">43.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;4&nbsp;%</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loss reserves:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Beginning balance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>413</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">386</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;7&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>386</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">428</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(10)&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Provisions&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>196</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;23&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>594</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">474</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;25&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net write-offs&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(168</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(149</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;13&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(527</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(507</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;4&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;#&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(21</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;#&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ending balance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>432</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">396</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;9&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>432</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">396</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;9&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">% of receivables</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net write-off rate &#151; principal only &#151; USCS/ICS&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(e)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(d</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(d</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net write-off rate &#151; principal and fees &#151; USCS/ICS&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(e)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(d</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(d</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">30 days past due as a % of total &#151; USCS/ICS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(d</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(d</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net loss ratio as a % of charge volume&nbsp;&#151;&nbsp;GCS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.09</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.06</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.09</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.07</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">90 days past billing as a % of total &#151; GCS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Worldwide Card Member loans:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total loans <I>(billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>66.1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">63.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;5&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>66.1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">63.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;5&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loss reserves:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Beginning balance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,170</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,342</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(13)&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,261</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,471</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(14)&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Provisions&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>265</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">248</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;7&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>797</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">825</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;(3)&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net write-offs &#151; principal&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(245</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(275</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(11)&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(786</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(888</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(11)&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net write-offs &#151; interest and fees&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(40</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;11&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(124</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(113</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;10&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;#&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(86)&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ending balance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,146</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,281</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(11)&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,146</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,281</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(11)&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ending reserves &#151; principal</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,093</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,234</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(11)&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,093</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,234</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(11)&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ending reserves &#151; interest and fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>53</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;13&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>53</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;13&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">% of loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.7 </B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.0 </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.7 </B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.0 </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">% of past due</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>165 </B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">179 </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>165 </B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">179 </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average loans <I>(billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>66.4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">63.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;5&nbsp;%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>65.4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">62.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;4&nbsp;%</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net write-off rate &#151; principal only&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(e)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.5 </B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.7 </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.6 </B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.9 </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net write-off rate &#151; principal, interest and fees&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(e)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.7 </B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.0 </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.9 </B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.1 </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">30 days past due as a % of total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.1 </B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.1 </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.1 </B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.1 </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest income divided by average&nbsp;loans&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(f)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8.5 </B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.1 </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8.1 </B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.9 </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest yield on Card Member loans&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(f)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9.3 </B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9.4 </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9.3 </B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9.3 </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="21"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="21" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">42 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">#</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Denotes a variance greater than 100 percent </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Provisions for principal (resulting from authorized transactions), interest and/or fees on Card Member loans and principal (resulting from
authorized transactions) and fee reserve components on Card Member receivables. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Write-offs, less recoveries. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Card Member receivables includes foreign currency translation adjustments of $(6) million and $3 million and other adjustments of $(3) million for
both the three months ended September&nbsp;30, 2014 and 2013, respectively.&nbsp;Card Member loans includes foreign currency translation adjustments of $(6) million and $3 million and other adjustments of $2 million and $(1) million for the three
months ended September&nbsp;30, 2014 and 2013, respectively.&nbsp;Refer to Note 4 to the Consolidated Financial Statements for the components of other for the nine months ended September&nbsp;30, 2014 and 2013.</FONT></P></TD></TR></TABLE>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(d)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Historically, net loss ratio as a % of charge volume and 90 days past billing as a % of receivables were presented for ICS. Beginning in first
quarter 2014, as a result of system enhancements, 30 days past due as a % of total, net write-off rate (principal only) and net write-off rate (principal and fees) have been presented. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(e)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">We present a net write-off rate based on principal losses only (i.e., excluding interest and/or fees) to be consistent with industry convention. In
addition, because our practice is to include uncollectible interest and/or fees as part of our total provision for losses, a net write-off rate including principal, interest and/or fees is also presented. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(f)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Refer to Table 9 for the calculation of net interest yield on Card Member loans, a non-GAAP measure, net interest income divided by average loans, a
GAAP measure, and our rationale for presenting net interest yield on Card Member loans. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Table 9: Net
Interest Yield on Card Member Loans </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="65%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Three&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nine&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions, except percentages and where indicated)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,395</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,283</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,048</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3,728&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Exclude:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expense not attributable to the Company&#146;s Card Member loan portfolio</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>247</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">296</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>769</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">902&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest income not attributable to the Company&#146;s Card Member loan portfolio</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(90</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(267</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(270)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Adjusted net interest income&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,552</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,492</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,550</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,360&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average loans<I> (billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>66.4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">63.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>65.4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;62.8&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Exclude:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unamortized deferred card fees, net of direct acquisition costs of Card Member loans, and other<I> (billions)</I></FONT></P></TD>

<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(0.2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(0.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(0.2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(0.3)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Adjusted average loans<I> (billions)</I>&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>66.2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">62.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>65.2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;62.5&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest income divided by average loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8.5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8.1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.9%</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest yield on Card Member loans&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9.3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9.3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9.3%</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="15"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Adjusted average loans, adjusted net interest income, and net interest yield on Card Member loans are non-GAAP measures. We believe adjusted net
interest income and adjusted average loans are useful to investors because they are components of net interest yield on Card Member loans, which provides a measure of profitability of our Card Member loan portfolio. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">43 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Business Segment Results </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">For information about our reportable operating segments, refer to the Business Segment Results Overview beginning on page
25 of our Annual Report on Form 10-K for the year ended December&nbsp;31, 2013. </FONT></P> <P STYLE="margin-top:24px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>U.S. Card Services </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Table 10: USCS Selected Income Statement Data </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="65%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="29" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Three&nbsp;Months&nbsp;Ended</FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1">September&nbsp;
30,</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="5" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Nine&nbsp;Months&nbsp;Ended</FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1">September&nbsp;
30,</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><I>(Millions, except percentages)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2014</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">2013</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Change</FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1">2014&nbsp;vs.&nbsp;2013</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2014</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">2013</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Change</FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1">2014&nbsp;vs.&nbsp;2013</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Discount revenue, net card fees and other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>3,214</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">3,050</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">164</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">5%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>9,453</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">8,991</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">462</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">5%</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,465</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,408</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">4&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4,296</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">4,148</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">148</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">4&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>152</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">(12)&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>455</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">532</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">(14)&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,313</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,236</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">6&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>3,841</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">3,616</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">225</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">6&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total revenues net of interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4,527</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">4,286</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">241</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">6&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>13,294</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">12,607</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">687</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">5&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Provisions for losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>316</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">285</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>997</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">931</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">66</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">7&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total revenues net of interest expense after provisions for losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4,211</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">4,001</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">210</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">5&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>12,297</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">11,676</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">621</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">5&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Marketing, promotion, rewards,</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Card Member services and other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,790</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,756</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">2&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>5,237</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">5,036</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">201</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">4&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Salaries and employee benefits and other operating expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,010</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">988</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">2&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>3,043</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2,938</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">105</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">4&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2,800</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2,744</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">2&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>8,280</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">7,974</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">306</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">4&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Pretax segment income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,411</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,257</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">154</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4,017</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">3,702</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">315</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">9&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Income tax provision</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>522</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">475</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,482</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,373</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">109</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">8&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Segment income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>889</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">782</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">107</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">14%&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2,535</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2,329</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">206</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">9%</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Effective tax rate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>37.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">37.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>36.9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">37.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="29"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="29" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">USCS issues a wide range of card products and services to consumers and small
businesses in the U.S., and provides consumer travel services to Card Members and other consumers. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Discount
revenue, net card fees and Other revenues increased $164 million or 5 percent and $462 million or 5 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year. The increases
were primarily driven by higher discount revenue, resulting from billed business growth, partially offset by a decrease in the average discount rate and higher cash rebate rewards. Billed business increased 9 percent and 8 percent for the three and
nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year, primarily reflecting 5 percent and 4 percent increases in average spending per proprietary basic card for the three and nine month periods,
respectively, and 4 percent higher cards-in-force. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest income increased $57 million or 4 percent and
$148 million or 4 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year, primarily driven by higher average Card Member loans, partially offset by higher Card Member
reimbursements. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expense decreased $20 million or 12 percent and $77 million or 14 percent for the
three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year, due to lower funding costs. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">44 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Provisions for losses increased $31 million or 11 percent and $66 million or
7 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year, primarily due to a larger reserve release in the prior year, partially offset by the benefit of lower net
write-offs for Card Member loans due to improved credit performance. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Marketing, promotion, rewards, Card
Member services and other expenses increased $34 million or 2 percent and $201 million or 4 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year, primarily reflecting
higher Card Member rewards. Card Member rewards expense increased $50 million and $185 million for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year. The increases reflected
higher co-brand expense, which increased approximately $16 million and $103 million for the three and nine month periods, respectively, primarily reflecting higher spending volumes, and increased Membership Rewards expense of $34 million and $82
million for the same periods, both of which were partially offset by a change in estimate of certain rewards-related reserves. The increases in Membership Rewards expense were primarily due to higher new points earned partially offset by slower
growth in the URR and favorable changes in the WAC assumptions, as compared to the same periods in the prior year. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Salaries and employee benefits and other operating expenses increased $22 million or 2 percent and $105 million or 4 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as
compared to the same periods in the prior year, primarily related to higher card-related fraud losses. The nine month period also reflected a change in the estimated value of certain investments in our Community Reinvestment Act portfolio and higher
restructuring charges compared to the prior year. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">45 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Table 11: USCS Selected Statistical Information </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="54%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="21" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of or for the</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Three&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></P></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Change<BR>2014&nbsp;vs.&nbsp;2013</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of or for the</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Nine&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></P></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Change 2014&nbsp;vs.&nbsp;2013</FONT></P></TD></TR>

<TR>
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions, except percentages and where indicated)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card billed business<I> (billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>136.2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">124.6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">9&nbsp;%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>397.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">366.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;8&nbsp;%</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total cards-in-force</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>45.2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">43.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">4&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>45.2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">43.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;4&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Basic cards-in-force</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>33.7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">5&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>33.7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;5&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average basic Card Member spending<I> (dollars)</I>&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">*</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,069</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,882</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">5&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>12,008</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,547</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;4&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. Consumer Travel:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Travel sales</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>956</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">900</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">6&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,957</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,102</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(5)&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Travel commissions and fees/sales</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7.4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7.1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total segment assets<I> (billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>103.3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">95.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">9&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>103.3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">95.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;9&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Segment capital</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9,909</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,118</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">9&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9,909</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,118</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;9&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Return on average segment capital&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>35.5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">30.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>35.5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">30.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Return on average tangible segment capital&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>36.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>36.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member receivables:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total receivables<I> (billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>21.3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20.3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">5&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>21.3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20.3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;5&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net write-off rate &#150; principal only&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net write-off rate &#150; principal and fees&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">30 days past due as a % of total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member loans:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total loans<I> (billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>58.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">54.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">6&nbsp;%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>58.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">54.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;6&nbsp;%</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net write-off rate &#150; principal only&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net write-off rate &#150; principal, interest and fees&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">30 days past due loans as a % of total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Calculation of Net Interest Yield on </FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member loans:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,313</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,236</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3,841</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,616</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Exclude:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expense not attributable to the Company&#146;s Card Member loan portfolio</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>39</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>118</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">139</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest income not attributable to the Company&#146;s Card Member loan portfolio</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Adjusted net interest income&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,349</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,278</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3,951</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,748</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average loans<I> (billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>58.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">54.7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>57.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">54.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Exclude:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unamortized deferred card fees, net of direct acquisition costs of Card Member loans<I> (billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&#151;</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Adjusted average loans<I> (billions)</I>&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>58.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">54.7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>57.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">54.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest income divided by average loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9.1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest yield on Card Member loans&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9.2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9.3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9.3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="21"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="21" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">*</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Proprietary cards only. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Return on average segment capital is calculated by dividing (i)&nbsp;one-year period segment income ($3.4 billion and $2.8 billion for the twelve
months ended September&nbsp;30, 2014 and 2013, respectively) by (ii)&nbsp;one-year average segment capital ($9.6 billion and $8.9 billion for both the three months ended September&nbsp;30, 2014 and 2013). Return on average tangible segment capital,
a non-GAAP measure, is computed in the same manner as return on average segment capital except the computation of average tangible segment capital, a non-GAAP measure, excludes from average segment capital average goodwill and other intangibles of
$299 million and $345 million as of September&nbsp;30, 2014 and 2013, respectively. We believe return on average tangible segment capital is a useful measure of the profitability of our business. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Refer to footnote (e)&nbsp;within Table 8. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Adjusted net interest income, adjusted average loans, and net interest yield on Card Member loans are non-GAAP measures. Refer to &#147;Glossary of
Selected Terminology&#148; for the definitions of these terms. We believe adjusted net interest income and adjusted average loans are useful to investors because they are components of net interest yield on Card Member loans, which provide a measure
of profitability of our Card Member loan portfolio. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">46 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>International Card Services </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Table 12: ICS Selected Income Statement Data </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="52%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="29" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Three&nbsp;Months&nbsp;Ended</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">September&nbsp;30,</FONT></P></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="4" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000">
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Change<BR>2014&nbsp;vs.&nbsp;2013</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nine&nbsp;Months&nbsp;Ended</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">September&nbsp;30,</FONT></P></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="4" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Change</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">2014&nbsp;vs.&nbsp;2013</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions, except percentages)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Discount revenue, net card fees and other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,206</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,161</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;4&nbsp;%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3,571</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">156</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;5&nbsp;%</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>273</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">281</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;(3)&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>825</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">830</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;(1)&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>85</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">86</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;(1)&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>259</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">273</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;(5)&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>188</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">195</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;(4)&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>566</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">557</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;2&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total revenues net of interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,394</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,356</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;3&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>4,137</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,972</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">165</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;4&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Provisions for losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>98</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;2&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>275</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">278</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;(1)&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total revenues net of interest expense after provisions for losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,296</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,260</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;3&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3,862</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,694</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">168</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;5&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Marketing, promotion, rewards, Card Member services and other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>532</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">498</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;7&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,605</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,428</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">177</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;12&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Salaries and employee benefits and other operating expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>588</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">576</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;2&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,809</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,731</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">78</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;5&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,120</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,074</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;4&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3,414</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">255</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;8&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Pretax segment income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>176</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">186</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;(5)&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>448</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">535</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;(16)&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income tax provision</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>34</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(23)&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>70</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">#&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Segment income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>142</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">142</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&#151;&nbsp;%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>378</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">528</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;(28)%</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Effective tax rate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>19.3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23.7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>15.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="29"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="29" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">#</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Denotes a variance greater than 100 percent </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">ICS issues proprietary consumer and small business cards outside the U.S. and operates a coalition loyalty business in
various countries. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Discount revenue, net card fees and Other revenues increased $45 million or 4 percent and
$156 million or 5 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year, primarily driven by Loyalty Partner-related fees, higher discount revenue and an increase in net
card fees. Billed business increased 4 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year, primarily reflecting an increase in basic cards-in-force. Refer to Tables 6
and 7 for additional information on billed business by region. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">47 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest income decreased $8 million or 3 percent and $5 million or 1
percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year. The decrease in the three month period was primarily driven by higher Card Member reimbursements and a slightly
lower net interest yield. The decrease in the nine month period was primarily driven by lower average loan balances. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Interest expense decreased $1 million or 1 percent and $14 million or 5 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior
year, primarily driven by lower funding costs. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Provisions for losses increased $2 million or 2 percent and
decreased $3 million or 1 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year. Refer to Table 13 for the lending and charge card write-off rates for 2014 and 2013.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Marketing, promotion, rewards, Card Member services and other expenses increased $34 million or 7 percent and
$177 million or 12 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year. The increases were primarily driven by higher Card Member rewards expense, reflecting higher
spending volumes, and higher marketing and promotion expense, related to the reinvestment, in the second quarter, of a significant portion of the gain from the business travel joint venture transaction in growth initiatives. Card Member rewards
expense in the nine month period included a charge related to enhancements in the Membership Rewards URR estimation process for certain international countries. Excluding the impact of changes in foreign exchange rates, marketing and promotion,
rewards, Card Member services and other expense increased 15 percent for the nine month period.</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2"> </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Salaries and employee benefits and other operating expenses
increased $12 million or 2 percent and $78 million or 5 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year. The increase in the three month period is primarily driven
by a prior year net benefit related to the sale of real estate, partially offset by lower salary and benefits expense in the current period. The increase in the nine month period is primarily driven by a second quarter restructuring charge and a
Canadian value-added tax benefit in the prior year. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The effective tax rate in all periods reflected the
recurring permanent tax benefit related to the segment&#146;s ongoing funding activities outside the U.S., which is allocated to ICS under our internal tax allocation process. The effective tax rate for the nine months ended September&nbsp;30, 2013
also reflected the allocated share of tax benefits related to the resolution of certain prior years&#146; tax items, and an additional benefit due to the renewal by the U.S. Congress of the active financing legislation on January&nbsp;2, 2013. The
effective tax rate in each of the periods reflected the impact of recurring permanent tax benefits on varying levels of pretax income. </FONT></P>
<P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;margin-left:3%;border-bottom:0.5pt solid #000000; width:21%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">2</SUP></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>The foreign currency adjusted information, a non-GAAP measure, assumes a
constant exchange rate between the periods being compared for purposes of currency translation into U.S. dollars (i.e., assumes the foreign exchange rates used to determine results for the current year apply to the corresponding year period against
which such results are being compared). We believe the presentation of information on a foreign currency adjusted basis is helpful to investors by making it easier to compare our&nbsp;performance in one period to that of another period without the
variability caused by fluctuations in currency exchange rates. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">48 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Table 13: ICS Selected Statistical Information </B></FONT></P>
<P STYLE="font-size:0px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="60%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="21" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of or for the<BR>Three&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Change<BR>2014<BR>vs.</FONT> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of or for the<BR>Nine&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Change 2014 vs.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions, except percentages and where indicated)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B></B>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B></B>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card billed business<I> (billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>33.9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;4&nbsp;%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>99.9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">96.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;4&nbsp;%</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total cards-in-force</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>15.8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">2&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>15.8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">2&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Basic cards-in-force</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>10.9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10.6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">3&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>10.9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10.6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">3&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average basic Card Member spending<I> (dollars)</I>&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">*</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;3,100</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;3,076</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">1&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;9,185</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;9,094</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">1&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">International Consumer Travel:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Travel sales</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>362</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">359</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">1&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,069</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,053</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">2&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Travel commissions and fees/sales</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6.9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total segment assets<I> (billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>31.1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">30.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">2&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>31.1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">30.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">2&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Segment capital</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,974</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,065</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2,974</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,065</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3)&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Return on average segment capital&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>15.8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>15.8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Return on average tangible segment capital&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>28.9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">39.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>28.9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">39.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member receivables:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total receivables<I> (billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7.3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">1&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>7.3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">1&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net write-off rate &#150; principal only&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net write-off rate &#150; principal and fees&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2.1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2.1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">30 days past due loans as a % of total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">90 days past billing as a % of total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(b</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(b</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net loss ratio (as a % of charge volume)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(b</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(b</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member loans:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total loans<I> (billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;(5)%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(5)%</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net write-off rate &#150; principal only&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net write-off rate &#150; principal, interest and fees&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2.4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2.4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">30 days past due loans as a % of total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Calculation of Net Interest Yield on</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member loans:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>188</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">195</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>566</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">557</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Exclude:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expense not attributable to the Company&#146;s Card Member loan portfolio</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>24</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>63</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">72</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest income not attributable to the Company&#146;s Card Member loan portfolio</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(30</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Adjusted net interest income&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(d)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>202</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">212</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>599</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">611</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average loans<I> (billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8.3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8.3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Exclude:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unamortized deferred card fees, net of direct acquisition costs of Card Member loans, and other <I>(billions)</I></FONT></P></TD>

<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(0.2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(0.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(0.2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(0.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Adjusted average loans<I> (billions)</I>&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(d)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8.1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8.1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest income divided by average loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9.1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9.3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9.1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest yield on Card Member loans&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(d)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9.9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>9.9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="21"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="21" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">49 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">*</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Proprietary cards only. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Return on average segment capital is calculated by dividing (i)&nbsp;one-year period segment income ($0.5 billion and $0.6 billion for the twelve
months ended September&nbsp;30, 2014 and 2013, respectively) by (ii)&nbsp;one-year average segment capital ($3.0 billion for both the twelve months ended September&nbsp;30, 2014 and 2013). Return on average tangible segment capital, a non-GAAP
measure, is computed in the same manner as return on average segment capital except the computation of average tangible segment capital, a non-GAAP measure, excludes from average segment capital average goodwill and other intangibles of $1.4 billion
for both the twelve months ended September&nbsp;30, 2014 and 2013. We believe that return on average tangible segment capital is a useful measure of the profitability of our business. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Historically, due to system constraints, net loss ratio as a % of charge volume and 90 days past billing as a % of receivables were presented.
Beginning in first quarter 2014, as a result of system enhancements, net write-off rate &#150; principal only, net write-off rate &#150; principal and fees and 30 days past due as a % of total will be presented. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Refer to footnote (e)&nbsp;within Table 8. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(d)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Adjusted net interest income, adjusted average loans and net interest yield on Card Member loans are non-GAAP measures. We believe adjusted net
interest income and adjusted average loans are useful to investors because they are components of net interest yield on Card Member loans, which provide a measure of profitability of our Card Member loan portfolio. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:24px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Global Commercial Services </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Table 14: GCS Selected Income Statement Data </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="56%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="29" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Three&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="4" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Change</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1">2014&nbsp;vs.&nbsp;2013</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Nine&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="4" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Change</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1">2014&nbsp;vs.&nbsp;2013</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><I>(Millions, except percentages)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Discount revenue, net card fees and other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>957</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,277</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(320</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">(25)%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>3,538</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">3,787</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(249</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;(7)%</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;33&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>11</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;22&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>61</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;3&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>186</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">181</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;3&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(57</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;2&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(175</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;2&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total revenues net of interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>900</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,221</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(321</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">(26)&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>3,363</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">3,615</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(252</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;(7)&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Provisions for losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>49</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;69&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>130</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">93</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;40&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total revenues net of interest expense after provisions for losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>851</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,192</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(341</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">(29)&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>3,233</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">3,522</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(289</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;(8)&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Marketing, promotion, rewards, Card Member services and other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>161</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">148</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;9&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>504</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">442</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;14&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Salaries and employee benefits and other operating expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>381</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">703</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(322</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">(46)&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,270</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2,123</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(853</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">(40)&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>542</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">851</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(309</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">(36)&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,774</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2,565</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(791</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">(31)&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Pretax segment income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>309</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">341</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;(9)&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,459</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">957</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">502</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;52&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Income tax provision</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>105</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;31&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>510</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">279</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">231</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;83&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Segment income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>204</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">261</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">(22)%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>949</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">678</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">271</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;40&nbsp;%</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Effective tax rate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>34.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">23.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>35.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">29.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="29"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="29" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">GCS offers global corporate payment services to large and mid-sized companies. The
Company&#146;s business travel operations, which had been reflected in GCS, were deconsolidated effective June&nbsp;30, 2014 in connection with the GBT JV transaction, discussed previously; therefore, there is a lack of comparability against periods
prior to the deconsolidation. The Company&#146;s proportional share of the GBT JV&#146;s net income is now reported within other revenues. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Discount revenue, net card fees and other revenues decreased $320 million or 25 percent and $249 million or 7 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared
to the same periods in the prior year. The decrease is primarily due to the business travel joint venture transaction, resulting in a lack of comparability between periods, partially offset by higher discount revenue resulting from an increased
level of Card Member spending. Billed business increased 8 percent and 7 percent for the three and nine months ended September&nbsp;30, 2014, respectively, primarily driven by a 9 percent and 7 percent increase in average spending per proprietary
basic card for the three and nine months ended September&nbsp;30, 2014, respectively. Billed business volume increased 10 percent and 8 percent within the U.S. for the three and nine month ended periods, respectively, while billed business volume
outside the U.S. increased 3 percent and 4 percent for the three and nine months ended September&nbsp;30, 2014, respectively. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Net interest expense decreased $1 million or 2 percent and $3 million or 2 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior
year. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">50 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Provisions for losses increased $20 million or 69 percent and $37 million or
40 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year, primarily driven by higher net write-offs. Refer to Table 15 for the charge card net loss ratio as a percentage
of charge volume. Excluding the impact of changes in foreign exchange rates, provisions for losses increased 75 percent for the three month period.</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"> </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Marketing, promotion, rewards, Card Member services and other expenses increased $13 million or 9 percent and $62 million or 14 percent for the three and nine months ended September&nbsp;30, 2014,
respectively, as compared to the same periods in the prior year, primarily driven by higher rewards costs. The increase in the nine month period was also driven by the reinvestment, in the second quarter, of a significant portion of the gain from
the business travel joint venture transaction in growth initiatives. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Salaries and employee benefits and other
operating expenses decreased $322 million or 46 percent and $853 million or 40 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year, primarily reflecting the impact of
the business travel joint venture transaction. The nine month period also reflected the net gain recognized as a result of the business travel joint venture transaction, partially offset by transaction-related costs and a restructuring charge, all
of which occurred in the second quarter of 2014. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The effective tax rate for the three and nine months ended
September&nbsp;30, 2013 reflected the reversal of a valuation allowance related to deferred tax assets associated with certain of the Company&#146;s non-U.S. business travel operations, as well as the allocated share of tax benefits related to the
resolution of certain prior years&#146; tax items. </FONT></P> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;margin-left:3%;border-bottom:0.5pt solid #000000; width:21%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">3</SUP></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Refer to footnote 2 on page 48 relating to changes in foreign exchange rates. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">51 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Table 15: GCS Selected Statistical Information </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="57%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="21" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of or for the</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Three&nbsp;Months&nbsp;Ended</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">September&nbsp;30,</FONT></P></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Change<BR>2014&nbsp;vs.<BR>2013</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of or for the</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Nine&nbsp;Months&nbsp;Ended</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">September&nbsp;30,</FONT></P></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Change 2014&nbsp;vs. 2013</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions, except percentages and where indicated)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B></B>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B></B>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card billed business<I> (billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>46.5</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">43.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;8&nbsp;%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>139.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">130.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;7&nbsp;%</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total cards-in-force</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6.9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6.9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Basic cards-in-force</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6.9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6.9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average basic Card Member spending<I> (dollars)</I>&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">*</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6,691</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,139</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">9&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>19,905</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18,564</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">7&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total segment assets<I> (billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>20.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>20.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Segment capital</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3,826</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,606</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">6&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>3,826</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,606</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">6&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Return on average segment capital&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>30.3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>30.3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Return on average tangible segment capital&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>56.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">39.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>56.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">39.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member receivables:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total receivables<I> (billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>16.4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;3&nbsp;%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>16.4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;3&nbsp;%</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">90 days past billing as a % of total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net loss ratio (as a % of charge volume)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.09</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.06</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.09</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.07</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="21"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="21" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">*</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Proprietary cards only. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Return on average segment capital is calculated by dividing (i)&nbsp;one-year period segment income ($1.1 billion and $0.7 billion for the twelve
months ended September&nbsp;30, 2014 and 2013, respectively) by (ii)&nbsp;one-year average segment capital ($3.7 billion and $3.6 billion for the twelve months ended September&nbsp;30, 2014 and 2013, respectively). Return on average tangible segment
capital, a non-GAAP measure, is computed in the same manner as return on average segment capital except the computation of average tangible segment capital, a non-GAAP measure, excludes from average segment capital average goodwill and other
intangibles of $1.7 billion and $1.8 billion for the twelve months ended September&nbsp;30, 2014 and 2013, respectively. We believe that return on average tangible segment capital is a useful measure of the profitability of our business.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:24px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Global Network&nbsp;&amp; Merchant Services </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Table 16: GNMS Selected Income Statement Data </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="58%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="29" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="6"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Three&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="4" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Change</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1">2014&nbsp;vs.<BR>2013</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Nine&nbsp;Months&nbsp;Ended<BR>September&nbsp;30,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;<BR>&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="4" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Change</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1">2014 vs.<BR>2013</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="1"><I>(Millions, except percentages)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2014 </B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Discount revenue, net card fees and other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,368</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,309</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;5&nbsp;%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4,027</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">3,856</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">171</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;4&nbsp;%</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>14</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;75&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>35</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;52&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(68</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(208</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(187</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Net interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>82</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;17&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>243</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">210</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;16&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total revenues net of interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,450</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,379</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4,270</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">4,066</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">204</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Provisions for losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>24</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;85&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>58</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">53</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total revenues net of interest expense after provisions for losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,426</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,366</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>4,212</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">4,013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">199</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Marketing, promotion, rewards, Card Member services and other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>201</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>634</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">546</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;16&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Salaries and employee benefits and other operating expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>555</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">558</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">(1)&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,628</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,630</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&#151;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>756</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">758</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&#151;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2,262</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">2,176</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">86</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Pretax segment income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>670</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">608</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,950</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,837</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">113</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Income tax provision</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>243</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>707</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">661</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Segment income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>427</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">391</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;9&nbsp;%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1,243</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">1,176</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;&nbsp;&nbsp;6&nbsp;%</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="1">Effective tax rate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>36.3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">35.7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>36.3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="1">36.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="1">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="29"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="29" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">52 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">GNMS operates a global payments network that processes and settles
proprietary and non-proprietary card transactions. GNMS acquires merchants and provides point-of-sale products, multi-channel marketing programs and capabilities, services and data, leveraging the Company&#146;s global closed-loop network. It enters
into partnership agreements with third-party card issuers and acquirers to license the American Express brand and extend the reach of the global network. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Discount revenue, net card fees and Other revenues increased $59 million or 5 percent and $171 million or 4 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared
to the same periods in the prior year. The increases are primarily driven by higher merchant-related revenues, driven by a 9 percent and 8 percent increase in global card billed business for the three and nine months ended September&nbsp;30, 2014,
respectively, partially offset by a change in the mix of Card Member spending by industry and a decrease in the average discount rate. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Net interest income increased $12 million or 17 percent and $33 million or 16 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the
prior year, primarily driven by increased revenues from our Merchant Financing business. The interest expense credit relates to internal transfer pricing and funding rates, which resulted in a net benefit for GNMS due to its merchant payables.
Excluding the impact of changes in foreign exchange rates, net interest income increased 24 percent for the three month period and 23 percent for the nine month period.</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"> </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Provisions for losses increased $11 million or 85 percent and $5 million or 9 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the
prior year, primarily reflecting higher merchant-related provision expenses. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Marketing, promotion, rewards,
Card Member services and other expenses increased $1 million or 1 percent and $88 million or 16 percent for the three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year. The nine month
period was primarily driven by the reinvestment, in the second quarter, of a significant portion of the gain from the business travel joint venture transaction in growth initiatives. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Salaries and employee benefits and other operating expenses decreased $3 million or 1 percent and $2 million for the
three and nine months ended September&nbsp;30, 2014, respectively, as compared to the same periods in the prior year. </FONT></P>
<P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;margin-left:3%;border-bottom:0.5pt solid #000000; width:21%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">4</SUP></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Refer to footnote 2 on page 48 relating to changes in foreign exchange rate. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">53 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Table 17: GNMS Selected Statistical Information </B></FONT></P>
<P STYLE="font-size:0px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="font-size:0px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="57%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="21" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="8"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="3" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="5" ROWSPAN="3" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">As&nbsp;of&nbsp;or&nbsp;for&nbsp;the</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Three&nbsp;Months&nbsp;Ended</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">September&nbsp;30,</FONT></P></TD>
<TD VALIGN="bottom" ROWSPAN="3"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Change</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">2014&nbsp;vs.</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="3" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="5" ROWSPAN="3" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">As&nbsp;of&nbsp;or&nbsp;for&nbsp;the</FONT><BR>
<P STYLE="margin-bottom:0px; margin-top:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nine&nbsp;Months&nbsp;Ended</FONT></P> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">September&nbsp;30,</FONT></P></TD>
<TD VALIGN="bottom" ROWSPAN="3"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR> <P STYLE="margin-bottom:0px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="4" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Change</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">2014&nbsp;vs.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Millions, except percentages and where indicated)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B></B>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B></B>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Global Worldwide Card billed business<I> (billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>258.1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">236.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;9&nbsp;%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>754.3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">698.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;8&nbsp;%</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total segment assets<I> (billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>18.2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">2&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>18.2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">2&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Segment capital</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,981</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,036</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3)&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,981</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,036</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3)&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Return on average segment capital&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>82.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">73.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>82.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">73.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Return on average tangible segment capital&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>91.3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">81.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>91.3</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">81.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Global Network Services:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card billed business<I> (billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>41.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">35.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">16&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>118.2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">104.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">13&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total cards-in-force</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>43.2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">39.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;10&nbsp;%</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>43.2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">39.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;10&nbsp;%</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="21"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="21" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Return on average segment capital is calculated by dividing (i)&nbsp;one-year period segment income ($1.6 billion and $1.5 billion for the twelve
months ended September&nbsp;30, 2014 and 2013, respectively) by (ii)&nbsp;one-year average segment capital ($2.0 billion and $2.1 billion for the twelve months ended September&nbsp;30, 2014 and 2013, respectively). Return on average tangible segment
capital, a non-GAAP measure, is computed in the same manner as return on average segment capital except the computation of average tangible segment capital, a non-GAAP measure, excludes from average segment capital average goodwill and other
intangibles of $0.2 billion for both the twelve months ended September&nbsp;30, 2014 and 2013. We believe that return on average tangible segment capital is a useful measure of the profitability of our business. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:24px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Corporate&nbsp;&amp; Other </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Corporate functions and certain other businesses, including our EGG and other operations, are included in Corporate&nbsp;&amp; Other. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Corporate&nbsp;&amp; Other net expense decreased to $185 million and increased to $667 million for the three and nine
months ended September&nbsp;30, 2014, respectively, as compared to $210 million and $660 million for the three and nine months ended September&nbsp;30, 2013, respectively. The decrease in the three month period was primarily driven by lower interest
expense. The nine month period reflected a charitable contribution to the American Express Foundation combined with incremental investments in growth initiatives and a second quarter restructuring charge, partially offset by lower salary and
benefits expense. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Results for all periods disclosed included net interest expense related to maintaining the
liquidity pool discussed in &#147;Consolidated Capital Resources and Liquidity &#150; Liquidity Management&#148;, as well as interest expense related to other corporate indebtedness.</FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">54 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Consolidated Capital Resources and Liquidity </B></FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our balance sheet management objectives are to maintain: </FONT></P>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">A solid and flexible equity capital profile; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">A broad, deep and diverse set of funding sources to finance our assets and meet operating requirements; and </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Liquidity programs that enable us to continuously meet expected future financing obligations and business requirements for at least a 12-month
period, even in the event we are unable to continue to raise new funds under our traditional funding programs during a substantial weakening in economic conditions. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Capital Strategy </I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Our objective is to retain sufficient levels of capital generated through earnings and other sources to maintain a solid equity capital base and to provide flexibility to support future business growth.
We believe capital allocated to growing businesses with a return on risk-adjusted equity in excess of our costs will generate shareholder value. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The level and composition of our consolidated capital position are determined through our internal capital adequacy assessment process, which reflects our business activities, as well as marketplace
conditions and requirements or expectations of credit rating agencies, regulators and shareholders, among others. Our consolidated capital position is also influenced by subsidiary capital requirements. As a bank holding company, we are also subject
to regulatory requirements administered by the U.S. federal banking agencies. The Federal Reserve has established specific capital adequacy guidelines that involve quantitative measures of assets, liabilities and certain off-balance sheet items.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Beginning in 2014, as a Basel III Advanced Approaches institution, we report our capital ratios using Basel
III capital definitions, inclusive of transition provisions, and Basel I risk-weighted assets. Beginning in 2015, we will report our capital ratios using the Basel III capital definitions, inclusive of transition provisions, and the Basel III
Standardized Approach for calculating risk-weighted assets. The Basel III standards will be fully phased-in by January&nbsp;1, 2019. We have also adopted Basel III in certain non-U.S. jurisdictions. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">During 2014, we began reporting capital adequacy standards on a parallel basis to regulators under Basel requirements for
a Basel III Advanced Approaches institution. The parallel period will continue until we receive regulatory approval to exit parallel reporting and subsequently begin publicly reporting our capital ratios using both Basel III Standardized and
Advanced Approaches. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">55 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table presents our regulatory risk-based capital ratios and
leverage ratios and those of our significant bank subsidiaries, as well as additional ratios widely utilized in the marketplace, as of September&nbsp;30, 2014. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Table 18: Regulatory Risk-Based Capital and Leverage Ratios </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="74%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom"> <P STYLE="border-bottom:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Basel III<BR>Standards<BR>2014&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;
<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ratios&nbsp;as&nbsp;of September&nbsp;30,
2014</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Risk-Based Capital</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Common Equity Tier 1</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>American Express Company</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>13.6%</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">American Express Centurion Bank</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>20.2&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">American Express Bank, FSB</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>15.2&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tier 1</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>American Express Company</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>13.6&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">American Express Centurion Bank</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>20.2&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">American Express Bank, FSB</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>15.2&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>American Express Company</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>15.1&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">American Express Centurion Bank</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>21.4&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">American Express Bank, FSB</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>17.1&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Tier 1 Leverage</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>American Express Company</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>11.6&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">American Express Centurion Bank</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>18.8&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">American Express Bank, FSB</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>15.9&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Common Equity to Risk-Weighted Assets</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>American Express Company</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>15.7&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Tangible Common Equity to Risk-Weighted Assets </B></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"><B></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>American Express Company</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>12.8%</B></FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Transitional Basel III minimum and conservation buffer as defined by the Federal Reserve for calendar year 2014 for Advanced Approaches
institutions. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Refer to page 57 for discussion on tangible common equity, a non-GAAP measure. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The transition provisions for 2014 under Basel III cause our reported capital ratios to be higher than they would have
been under the prior regulatory standards, known as Basel I. Specifically, the Common Equity Tier 1 risk-based capital and Tier 1 risk-based capital ratios would have been approximately 35 basis points lower under Basel I. The largest contributor to
the difference is the way intangible assets are being treated and ultimately transitioned in over a 5-year period under Basel III. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The following provides definitions for our regulatory risk-based capital ratios and leverage ratio, which are calculated as per standard regulatory guidance, if applicable: </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Risk-Weighted Assets</I> &#151; Assets are weighted for risk according to a formula used by the Federal Reserve to
conform to capital adequacy guidelines. On and off-balance sheet items are weighted for risk, with off-balance sheet items converted to balance sheet equivalents, using risk conversion factors, before being allocated a risk-adjusted weight. The
off-balance sheet items comprise a minimal part of the overall calculation. Risk-weighted assets under Basel I as of September&nbsp;30, 2014 were $128.9 billion. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Common Equity Tier 1 Risk-Based Capital Ratio </I>&#151; The Common Equity Tier 1 risk-based capital ratio is
calculated as Common Equity Tier 1 capital, divided by risk-weighted assets. Common Equity Tier 1 is the sum of common shareholders&#146; equity, adjusted for ineligible goodwill and intangible assets, certain deferred tax assets, as well as certain
other comprehensive income items as follows: net unrealized gains/losses on securities and derivatives, and net unrealized pension and other postretirement benefit losses, all net of tax. Common Equity Tier 1 capital as of September&nbsp;30, 2014
was $17.6 billion. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">56 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Tier 1 Risk-Based Capital Ratio</I> &#151; The Tier 1 capital ratio is
calculated as Tier 1 capital divided by risk-weighted assets. Tier 1 capital is the sum of Common Equity Tier 1 capital, certain perpetual preferred stock (not applicable to us), and third-party non-controlling interests in consolidated
subsidiaries. Tier 1 capital as of September&nbsp;30, 2014 was $17.6 billion. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Total Risk-Based Capital
Ratio</I> &#151; The total risk-based capital ratio is calculated as the sum of Tier 1 capital and Tier 2 capital, divided by risk-weighted assets. Tier 2 capital is the sum of the allowance for receivable and loan losses (limited to 1.25 percent of
risk-weighted assets) and a portion of the unrealized gains on equity securities, plus a $750 million subordinated hybrid security, for which we received approval from the Federal Reserve for treatment as Tier 2 capital. Tier 2 capital as of
September&nbsp;30, 2014 was $1.9 billion. The $750 million subordinated hybrid security does not meet the requirements of Tier 2 capital under Basel III, and is being transitioned out of capital beginning in 2014. As a result, the amount included in
Tier 2 capital is $375 million. See &#147;Fully Phased-in Basel III&#148; section. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Tier 1 Leverage
Ratio</I> &#151; The Tier 1 leverage ratio is calculated by dividing Tier 1 capital by our average total consolidated assets for the most recent quarter. Average total consolidated assets as of September&nbsp;30, 2014 were $151.6 billion.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following provides a definition for Tangible Common Equity to Risk-Weighted Assets ratio, which is widely
used in the marketplace, although it may be calculated differently by different companies: </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Common Equity
and Tangible Common Equity to Risk-Weighted Assets Ratios</I> &#151; Common equity equals our shareholders&#146; equity of $20.2 billion as of September&nbsp;30, 2014, and tangible common equity, a non-GAAP measure, equals common equity less
goodwill and other intangibles of $3.8 billion as of September&nbsp;30, 2014. We believe presenting the ratio of tangible common equity to risk-weighted assets is a useful measure of evaluating the strength of our capital position. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">We seek to maintain capital levels and ratios in excess of the minimum regulatory requirements and finance such capital
in a cost efficient manner; failure to maintain minimum capital levels could affect our status as a financial holding company and cause the respective regulatory agencies to take actions that could limit our business operations. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our primary source of equity capital has been the generation of net income. Historically, capital generated through net
income and other sources, such as the exercise of stock options by employees, has exceeded the annual growth in our capital requirements. To the extent capital has exceeded business, regulatory and rating agency requirements, we have historically
returned excess capital to shareholders through our regular common share dividend and share repurchase program. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">We maintain certain flexibility to shift capital across our businesses as appropriate. For example, we may infuse
additional capital into subsidiaries to maintain capital at targeted levels in consideration of debt ratings and regulatory requirements. These infused amounts can affect the capital profile and liquidity levels at the American Express parent
company level. We do not currently intend or foresee a need to shift capital from non-U.S. subsidiaries with permanently reinvested earnings to a U.S. parent company. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">57 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Fully Phased-in Basel III </I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Basel III, when fully phased-in, will require bank holding companies and their bank subsidiaries to maintain more capital
than prior requirements, with a greater emphasis on common equity. We estimate that had Basel III been fully phased-in during the nine months ended September&nbsp;30, 2014, our reported Common Equity Tier 1 risk-based capital and Tier 1 risk-based
capital ratios would have been 12.9 percent and our reported Tier 1 leverage ratio would have been 11.1 percent. As of September&nbsp;30, 2014, had the Basel III rules been fully phased-in, our supplementary leverage ratio would be 9.3
percent.</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">5</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"> These ratios are calculated using the
Standardized Approach for determining risk-weighted assets. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">As noted previously, we are currently taking
steps toward Basel III Advanced Approaches implementation in the U.S. Our $750 million subordinated hybrid security, which was previously fully included in Tier 2 capital (but not in Tier 1 capital), does not meet the requirements of Tier 2 capital
under Basel III. The phase-out of this subordinated hybrid security from Tier 2 capital began in the first quarter of 2014, which affects our total risk-based capital ratio. However, this ratio is expected to remain well in excess of the required
minimum. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Basel capital standards establish minimum requirements for the Tier 1 risk-based capital ratios
that are 1.5% higher than the minimum requirements for Common Equity Tier 1 risk-based capital ratios. This difference between Tier 1 capital, which includes common equity and qualifying preferred securities, and Common Equity Tier 1 is also present
in the minimum capital requirements within Comprehensive Capital Analysis and Review (CCAR), beginning with the 2014 plan submissions.&nbsp;The Company&#146;s 2014 CCAR capital plan thus included the issuance of Tier 1 eligible preferred shares, to
finance a portion of the Tier 1 capital requirements in excess of common equity requirements.&nbsp;We anticipate that the issuance of amounts included in our capital plan will occur during the fourth quarter of 2014 and first quarter of 2015,
subject to market conditions. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following provides definitions for Fully Phased-in Basel III capital ratios
as defined by the Basel III rules using the Standardized Approach. All calculations are non-GAAP measures. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Fully Phased-in Basel III Common Equity Tier 1 Risk-Based Capital Ratio</I> &#150; The Fully Phased-in Basel III
Common Equity Tier 1 risk-based capital ratio is calculated as Common Equity Tier 1 under Fully Phased-in Basel III rules divided by risk-weighted assets under Fully Phased-in Basel III rules. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Fully Phased-in Basel III Tier 1 Risk-Based Capital Ratio</I> &#150; The Fully Phased-in Basel III Tier 1 risk-based
capital ratio is calculated as Tier 1 capital under Fully Phased-in Basel III rules divided by risk-weighted assets under Fully Phased-in Basel III rules. </FONT></P>
<P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;margin-left:3%;border-bottom:0.5pt solid #000000; width:21%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">5</SUP></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>The Fully Phased-in Basel III capital ratios are non-GAAP measures. We
believe the presentation of the capital ratios is helpful to investors by showing the impact of future regulatory capital standards on our capital ratios. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">58 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table presents a comparison of our Common Equity Tier 1 and
Tier 1 risk-based capital under Transitional Basel III rules to our estimated Common Equity Tier 1 and Tier 1 risk-based capital under Fully Phased-in Basel III rules. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Table 19: Transitional Basel III versus Fully Phased-in Basel III </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="84%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="12%"></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="3" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>September&nbsp;30, 2014</B></FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Risk-Based Capital under Transitional Basel III</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17.6&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Adjustments related to:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">AOCI</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(0.2)</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Transition provisions for intangible assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(0.6)</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deferred tax assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(0.1)</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.1&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Estimated Common Equity Tier 1 and Tier 1 Risk-based Capital under Fully Phased-in Basel III</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16.8&nbsp;</B></FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="3" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Fully Phased-in Basel III Risk-Weighted Assets</I> &#151; The Fully Phased-in
Basel III risk-weighted assets reflect our Basel I risk-weighted assets, adjusted under Fully Phased-in Basel III rules. This includes incremental risk weighting applied to deferred tax assets and significant investments in unconsolidated financial
institutions, as well as exposures to past due accounts, equities and sovereigns. The Fully Phased-in Basel III risk-weighted assets as of September&nbsp;30, 2014 were estimated to be $130.1 billion. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Fully Phased-in Basel III Tier 1 Leverage Ratio</I> &#151; The Fully Phased-in Basel III Tier 1 leverage ratio is
calculated by dividing Fully Phased-in Basel III Tier 1 capital by our average total consolidated assets. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Basel III Supplementary Leverage Ratio </I>&#151; The supplementary leverage ratio under Fully Phased-in Basel III
rules is calculated by dividing Fully Phased-in Basel III Tier 1 capital by our total assets for supplementary leverage capital purposes under Basel III. Total assets for supplementary leverage capital purposes reflect total consolidated assets with
adjustments for Tier 1 capital deductions, off-balance sheet derivatives, undrawn unconditionally cancellable commitments and other off-balance sheet liabilities. Total assets for supplementary leverage capital purposes as of September&nbsp;30, 2014
were estimated to be $179.9 billion. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Share Repurchases and Dividends</I> </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">We have a share repurchase program to return excess capital to shareholders. The share repurchases reduce shares
outstanding and offset, in whole or part, the issuance of new shares as part of employee compensation plans. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">During the three and nine months ended September&nbsp;30, 2014, we returned $1.4 billion and $4.0 billion, respectively,
to our shareholders in the form of dividends ($0.3 billion and $0.8 billion, respectively) and share repurchases ($1.1 billion and $3.2 billion, respectively). We repurchased 13&nbsp;million common shares at an average price of $88.49 in the third
quarter of 2014. These dividend and share repurchase amounts represent approximately 89 percent and 83 percent of total capital generated during the three and nine month periods, respectively. These percentages for 2014 are significantly greater
than the on average and over time target to distribute approximately 50 percent of the capital to shareholders as dividends or through the repurchases of common stock. These distribution percentages result from the strength of our capital ratios and
the amount of capital we generate from net income and through employee stock plans in relation to the amount of capital required to support our organic business growth and through acquisitions. We are expecting to execute our share repurchase
program, subject to market conditions and pursuant to our capital plan, which includes up to $1.15 billion in share repurchases for the remainder of 2014. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">59 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Funding Strategy </I></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our principal funding objective is to maintain broad and well-diversified funding sources to allow us to meet our maturing
obligations, cost-effectively finance current and future asset growth in our global businesses as well as to maintain a strong liquidity profile. The diversity of funding sources by type of debt instrument, by maturity and by investor base, among
other factors, provides additional insulation from the impact of disruptions in any one type of debt, maturity or investor. The mix of our funding in any period will seek to achieve cost efficiency consistent with both maintaining diversified
sources and achieving our liquidity objectives. Our funding strategy and activities are integrated into our asset-liability management activities. We have in place a funding policy covering American Express Company and all of our subsidiaries.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our proprietary card businesses are the primary asset-generating businesses, with significant assets in both
domestic and international Card Member receivable and lending activities. Our financing needs are in large part a consequence of our proprietary card-issuing businesses and the maintenance of a liquidity position to support all of our business
activities, such as merchant payments. We generally pay merchants for card transactions prior to reimbursement by Card Members and therefore fund the merchant payments during the period Card Member loans and receivables are outstanding. We also have
additional financing needs associated with general corporate purposes, including acquisition activities. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">We
seek to raise funds to meet all of our financing needs, including seasonal and other working capital needs, while also seeking to maintain sufficient highly liquid assets to meet our net cash flow needs under stressed environments, which include the
scheduled maturities of funding obligations. We currently expect to satisfy Basel III&#146;s Liquidity Coverage Ratio standard, based upon our current understanding of the requirements, through our current funding programs and liquidity strategies.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">During the third quarter of 2014, we issued (i)&nbsp;$1.0 billion of Class&nbsp;A asset-backed securities
from American Express Credit Account Master Trust (the Lending Trust) with a maturity of three years and a coupon of 1.26 percent, (ii)&nbsp;$1.5 billion of Class A asset-backed securities from the Lending Trust with a maturity of three years and a
coupon of 1.49 percent, (iii)&nbsp;$1.9 billion of dual-tranche senior unsecured notes from American Express Credit Corporation (Credco) with a maturity of five years consisting of $1.5 billion of fixed-rate senior notes with a coupon of 2.25
percent and $400 million of floating-rate senior notes at 3-month LIBOR plus 49 basis points and (iv)&nbsp;$1.0 billion of dual-tranche senior unsecured notes from Credco with a maturity of three years consisting of $700 million of fixed-rate senior
notes with a coupon of 1.55 percent and $300 million of floating-rate senior notes at 3-month LIBOR plus 30 basis points. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Our equity capital and funding strategies are designed, among other things, to maintain appropriate and stable unsecured debt ratings from the major credit rating agencies: Moody&#146;s Investor Services
(Moody&#146;s), Standard&nbsp;&amp; Poor&#146;s (S&amp;P), Fitch Ratings (Fitch) and Dominion Bond Rating Services (DBRS). Such ratings help support our access to cost-effective unsecured funding as part of our overall funding strategy. Our
asset-backed securitization (ABS) activities are rated separately. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">60 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Table 20: Unsecured Debt Ratings </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="19%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="30%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="13%"></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="9" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Credit Agency</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Entity Rated</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Short-Term Ratings</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Long-Term Ratings</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Outlook</B></FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-left:1.00em; text-indent:-1.00em" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">DBRS</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">All rated entities</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">R-1</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(middle)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">A</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(high)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Stable</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-left:1.00em; text-indent:-1.00em" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Fitch</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">All rated entities</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">F1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">A+</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Stable</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-left:1.00em; text-indent:-1.00em" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Moody&#146;s</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">TRS&nbsp;and&nbsp;rated&nbsp;operating&nbsp;subsidiaries</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">&nbsp;(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Prime-1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">A2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Stable</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-left:1.00em; text-indent:-1.00em" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Moody&#146;s</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">American Express Company</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Prime-2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">A3</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Stable</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-left:1.00em; text-indent:-1.00em" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S&amp;P</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">TRS&nbsp;and&nbsp;rated&nbsp;operating&nbsp;subsidiaries</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">&nbsp;(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">A-2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">A-</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Stable</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-left:1.00em; text-indent:-1.00em" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S&amp;P</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">American Express Company</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">A-2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">BBB+</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Stable</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="9"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="9" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">American Express Travel Related Services Company, Inc. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">S&amp;P does not provide a rating for TRS short-term debt. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Downgrades in the ratings of our unsecured debt or asset securitization program securities could result in higher funding
costs, as well as higher fees related to borrowings under our unused lines of credit. Declines in credit ratings could also reduce our borrowing capacity in the unsecured debt and asset securitization capital markets. We believe our funding mix,
including the proportion of U.S. retail deposits insured by the Federal Deposit Insurance Corporation (FDIC), should reduce the impact that credit rating downgrades would have on our funding capacity and costs. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Deposit Programs </I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">We offer deposits within our American Express Centurion Bank (Centurion Bank) and American Express Bank, FSB (FSB) subsidiaries (together, the Banks). These funds are currently insured up to $250,000 per
account holder through the FDIC. Our ability to obtain deposit funding and offer competitive interest rates is dependent on the Banks&#146; capital levels. We, through the FSB, have a direct retail deposit program, Personal Savings from American
Express, to supplement our distribution of deposit products sourced through third-party distribution channels. The direct retail program makes FDIC-insured certificates of deposit (CDs) and high-yield savings account products available directly to
consumers. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">We held the following deposits as of September&nbsp;30, 2014 and December&nbsp;31, 2013:
</FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Table 21: Customer Deposits </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="71%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;<BR>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>September&nbsp;30,<BR>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">December&nbsp;31, 2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. retail deposits:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Savings accounts &#151; Direct</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>26.2</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;24.6</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certificates of deposit: </FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Direct</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.5</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Third-party</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6.4</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.9</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Sweep accounts &#151; Third-party</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8.9</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.9</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other retail deposits:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-U.S. deposits and U.S. non-interest bearing</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.1</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Card Member credit balances&#151;U.S. and non-U.S.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>0.7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.8</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total customer deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>42.7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;41.8</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">The weighted average remaining maturity and weighted average rate at issuance on the total portfolio of U.S. retail CDs, issued through direct and
third-party programs, were 25.9 months and 1.65 percent, respectively, as of September&nbsp;30, 2014. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Asset Securitization Programs </I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">We periodically securitize Card Member receivables and loans arising from our card business, as the securitization market provides us with cost-effective funding. Securitization of Card Member receivables
and loans is accomplished through the transfer of those assets to a trust, which in turn issues securities collateralized by the transferred assets to third party investors. The proceeds from issuance are distributed to us, through our wholly owned
subsidiaries, as consideration for the transferred assets. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">61 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The receivables and loans being securitized are reported as assets on our
Consolidated Balance Sheets and the related securities issued to third-party investors are reported as long-term debt. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Under the respective terms of the securitization trust agreements, the occurrence of certain triggering events associated with the performance of the assets of each trust could result in payment of trust
expenses, establishment of reserve funds, or in a worst-case scenario, early amortization of investor securities. During the nine months ended September&nbsp;30, 2014, no such triggering events occurred. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Liquidity Management </I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Our liquidity objective is to maintain access to a diverse set of on- and off-balance sheet liquidity sources. We maintain liquidity sources in amounts sufficient to meet business requirements and
expected future financial obligations for a period of at least twelve months in the event we are unable to raise new funds under our regular funding programs during a substantial weakening in economic conditions. We have in place a liquidity risk
policy that sets out our approach to managing liquidity risk on an enterprise-wide basis. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">We incur and accept
liquidity risk arising in the normal course of offering our products and services. The liquidity risks that we are exposed to can arise from a variety of sources, and thus our liquidity management strategy includes a variety of parameters,
assessments and guidelines, including, but not limited to: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Maintaining a diversified set of funding sources (refer to Funding Strategy section for more details); </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Maintaining unencumbered liquid assets and off-balance sheet liquidity sources available to meet obligations; and </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Projecting cash inflows and outflows from a variety of sources and under a variety of scenarios, including contingent liquidity exposures such as
collateral requirements for derivative transactions. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Trade-offs between the risk of insufficient liquidity and our profitability are incorporated into the Internal Capital Adequacy Assessment Process.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">We maintain liquidity resources sufficient to meet our projected net cash flow needs during
stressed environments over various time horizons, including 30-day and 12-month periods. Our liquidity resources include highly liquid assets, as well as a variety of other contingent liquidity resources, such as access to undrawn amounts under our
secured borrowing facilities and committed bank credit facilities. In addition, the Company has access to secured borrowing at the Federal Reserve discount window. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of September&nbsp;30, 2014, we had $15.6 billion in excess cash and $0.1 billion of securities held as collateral
available to fund long-term maturities, which includes $21.3 billion classified as cash and cash equivalents, less $5.7 billion of cash available to fund day-to-day operations. The $15.6 billion represents cash residing in the U.S. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">62 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The upcoming approximate maturities of our long-term unsecured debt issued
in connection with asset-backed securitizations and long-term certificates of deposit are as follows: </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Table 22: Debt
Maturities </B></FONT></P> <P STYLE="font-size:0px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="57%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></TD></TR>

<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="14"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="12" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Debt Maturities</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Quarter Ending:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unsecured<BR>Debt</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Asset-Backed<BR>Securitizations</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certificates<BR>of Deposit</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">December 31, 2014</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.1</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.1</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">March 31, 2015</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.8</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">June 30, 2015</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.0</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">September 30, 2015</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.8</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13.7</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="15"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Reflects the face amount of unsecured term debt; the long-term debt balance on the Company&#146;s consolidated balance sheet includes capitalized
leases of $0.1 billion and certain adjustments that are not included in this balance. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our
financing needs for the next 12 months are expected to arise from these debt and deposit maturities as well as changes in business needs, including changes in outstanding Card Member loans and receivables and acquisition activities. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">We consider various factors in determining the amount of liquidity we maintain, such as economic and financial market
conditions, seasonality in business operations, growth in our businesses, potential acquisitions or dispositions, the cost and availability of alternative liquidity sources, and regulatory and credit rating agency considerations. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The yield we receive on our cash and readily marketable securities is, generally, less than the interest expense on the
sources of funding for these balances. Thus, we incur substantial net interest costs on these amounts. The level of net interest costs will be dependent on the size of our cash and readily marketable securities holdings, as well as the difference
between our cost of funding these amounts and their investment yields. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Securitized Borrowing Capacity </I></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of September&nbsp;30, 2014, we maintained our committed, revolving, secured borrowing facility, with a maturity date of
July&nbsp;15, 2016, that gives us the right to sell up to $3.0 billion face amount of eligible AAA notes from the American Express Issuance Trust II (the Charge Trust). We also maintained our committed, revolving, secured borrowing facility, with a
maturity date of September&nbsp;15, 2017, that gives us the right to sell up to $2.0 billion face amount of eligible AAA certificates from the American Express Credit Account Master Trust (the Lending Trust). Both facilities are used in the ordinary
course of business to fund seasonal working capital needs, as well as to further enhance our contingent funding resources. As of September&nbsp;30, 2014, no amounts were drawn on the Charge Trust facility or the Lending Trust facility. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Federal Reserve Discount Window </I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">As insured depository institutions, the Banks may borrow from the Federal Reserve Bank of San Francisco, subject to the amount of qualifying collateral that they may pledge. The Federal Reserve has
indicated that both credit and charge card receivables are a form of qualifying collateral for secured borrowings made through the discount window. Whether specific assets will be considered qualifying collateral and the amount that may be borrowed
against the collateral, remain at the discretion of the Federal Reserve. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">We had approximately $52 billion as
of September&nbsp;30, 2014 in U.S. credit card loans and charge card receivables that could be sold over time through our existing securitization trusts, or pledged in return for secured borrowings to provide further liquidity, subject in each case
to applicable market conditions and eligibility criteria. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">63 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Committed Bank Credit Facilities </I></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">In addition to the secured borrowing facilities described earlier in this section, we maintained committed syndicated bank
credit facilities as of September&nbsp;30, 2014 of $7.0 billion through facilities in the U.S. and Australia. Our total committed bank credit facilities expire as follows: </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Table 23: Expiration of Committed Syndicated Bank Credit Facilities </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="84%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="12%"></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="3" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Billions)</I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="border-bottom:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2016</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.2</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2017</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.8</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.0</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="3" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Cash Flows </I></B></FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table summarizes our cash flow activity, followed by a discussion of the major drivers impacting operating,
investing and financing cash flows. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Table 24: Cash Flows </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="81%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I></I>For the nine months ended September&nbsp;30,<I> (Billions) </I></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2014</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total Cash provided by (used in):</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Operating activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8.6</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.2&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Investing activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(3.0</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1.5)</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Financing activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(3.7</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(6.6)</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Effect of exchange rates changes on cash and cash equivalents</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(0.1</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>)&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(0.1)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net increase in cash and cash equivalents</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1.8</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#151;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="7" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Cash Flows from Operating Activities </I></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash flows from operating activities primarily include net income adjusted for (i)&nbsp;non-cash items included in net
income and (ii)&nbsp;changes in the balances of operating assets and liabilities, which can vary significantly in the normal course of business due to the amount and timing of various payments. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">For the nine months ended September&nbsp;30, 2014, net cash provided by operating activities was $8.6 billion as a result
of net income of $4.4 billion adjusted by non cash items such as certain changes in provisions for losses, depreciation and amortization, deferred taxes, stock-based compensation and the pretax gain of $641 million related to the GBT JV transaction.
The increase in accounts payable and other liabilities, which is a source of cash, was driven by higher discount business volumes and associated payables to merchants. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">For the nine months ended September&nbsp;30, 2013, net cash provided by operating activities was $8.2 billion as a result
of net income of $4.1 billion adjusted by non cash items such as certain changes in provisions for losses, depreciation and amortization, deferred taxes and stock-based compensation. In addition, other sources of cash include an increase in accounts
payable and other liabilities, driven by higher discount business volumes, as well as a decrease in Other assets due to the utilization of certain prepaid co-brand rewards points. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Cash Flows from Investing Activities </I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Our investing activities primarily include changes in Card Member loans and receivables and our available for sale investment portfolio. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">For the nine months ended September&nbsp;30, 2014, net cash used in investing activities was $3.0 billion consisting of a
net increase in Card Member receivables, primarily driven by increases in Card Member spend, as well as purchases of premises and equipment, net of sales. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">64 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">For the nine months ended September&nbsp;30, 2013, net cash used in
investing activities was $1.5 billion consisting of a net increase in Card Member receivables, driven by higher Card Member spend, as well as purchases of premises and equipment, net of sales. This was partially offset by a net decrease in Card
Member loans resulting from higher pay downs. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Cash Flows from Financing Activities </I></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our financing activities primarily include issuing and repaying debt, changes in customer deposits, issuing and
repurchasing our common shares, and paying dividends. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">For the nine months ended September&nbsp;30, 2014, net
cash used in financing activities was $3.7 billion driven by $3.2 billion in repurchases of American Express common shares as well as a $0.9 billion net reduction in short- and long-term debt. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">For the nine months ended September&nbsp;30, 2013, net cash used in financing activities was $6.6 billion driven by a
$5.6 billion net reduction in short- and long-term debt as well as $3.2 billion in repurchases of American Express common shares, partially offset by a net increase in customer deposits of $2.3 billion. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Certain Other Off-Balance Sheet Arrangements </I></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of September&nbsp;30, 2014, we had approximately $278 billion of unused credit available to Card Members as part of
established lending product agreements. Total unused credit available to Card Members does not represent potential future cash requirements, as a significant portion of this unused credit will likely not be drawn. Our charge card products generally
have no pre-set limit, and therefore are not reflected in unused credit available to Card Members. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">To
mitigate counterparty credit risk related to derivatives, the Company accepted noncash collateral in the form of security interests in U.S. Treasury securities from its derivatives counterparties with a fair value of $111 million as of
September&nbsp;30, 2014, none of which was sold or repledged. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">65 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>OTHER REPORTING MATTERS </B></FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Certain Legislative, Regulatory and Other Developments </I></B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">As a participant in the financial services industry, and as a bank holding company, we are subject to comprehensive
examination and supervision by the Federal Reserve and to a range of laws and regulations that impact our business and operations. In light of legislative initiatives over the last several years and continuing regulatory reform implementation,
compliance requirements and expenditures have risen for financial services firms, including us, and we expect compliance requirements and expenditures will continue to rise in the future. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Dodd-Frank Wall Street Reform and Consumer Protection Act </I></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) contains a wide array of provisions intended to
govern the practices and oversight of financial institutions and other participants in the financial markets. Among other matters, the law created an independent Consumer Financial Protection Bureau (the CFPB), which has broad rulemaking authority
over providers of credit, savings, payment and other consumer financial products and services with respect to certain federal consumer financial laws. Moreover, the CFPB has examination and enforcement authority with respect to certain federal
consumer financial laws for providers of consumer financial products and services, including American Express Company and certain of our subsidiaries. The CFPB is directed to prohibit &#147;unfair, deceptive or abusive&#148; acts or practices, and
to ensure that all consumers have access to fair, transparent and competitive markets for consumer financial products and services. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The review of products and practices to prevent unfair, deceptive or abusive conduct will be a continuing focus of the CFPB and banking regulators more broadly, as well as our own internal reviews.
Internal and regulatory reviews have resulted in, and are likely to continue to result in, changes to our practices, products and procedures. Such reviews are also likely to continue to result in increased costs related to regulatory oversight,
supervision and examination, and additional restitution to our Card Members and may result in additional regulatory actions, including civil money penalties. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">In December 2013, we announced that certain of our subsidiaries reached settlements with several banking regulators, including the CFPB, to resolve regulatory reviews of marketing and billing practices
related to several credit card add-on products. For a description of these settlements, see &#147;Legal Proceedings&#148; in our Annual Report on Form 10-K for the year ended December&nbsp;31, 2013. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">In October 2012, we announced that American Express Company and certain of our subsidiaries reached settlements with
several bank regulators, including the CFPB, relating to certain aspects of our U.S. consumer card practices, which requires us to undertake certain actions that have continued in 2014. For a description of these settlements, see &#147;Legal
Proceedings&#148; in our Annual Report on Form 10-K for the year ended December&nbsp;31, 2012. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dodd-Frank
prohibits payment card networks from restricting merchants from offering discounts or incentives to customers to pay with particular forms of payment, such as cash, check, credit or debit card, or restricting merchants from setting certain minimum,
and for certain merchants maximum, transaction amounts for credit cards, as long as any such discounts or incentives or any minimum or maximum transaction amounts do not discriminate on the basis of the issuer or network and comply with applicable
federal or state disclosure requirements. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Under Dodd-Frank, the Federal Reserve is also authorized to
regulate interchange fees paid to financial institutions on debit card and certain general-use prepaid card transactions to ensure that they are &#147;reasonable and proportional&#148; to the cost of processing individual transactions, and to
prohibit payment card networks and issuers from requiring transactions to be processed on a single payment network or fewer than two unaffiliated networks. The Federal Reserve&#146;s rule provides that the regulations on interchange and routing do
not apply to a three-party network like American Express when it acts as both the issuer and the network for prepaid cards, and we are therefore not a &#147;payment card network&#148; as that term is defined and used for the specific purposes of the
rule. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">66 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dodd-Frank also authorizes the Federal Reserve to establish enhanced
prudential regulatory requirements, including capital, leverage and liquidity standards, risk management requirements, concentration limits on credit exposures, mandatory resolution plans (so-called &#147;living wills&#148;) and stress tests for,
among others, large bank holding companies, such as American Express Company, that have greater than $50 billion in assets. We are also required to develop and maintain a &#147;capital plan,&#148; and to submit the capital plan to the Federal
Reserve for our quantitative and qualitative review under the Federal Reserve&#146;s CCAR process. In addition, certain derivative transactions are now required to be centrally cleared, which have increased our collateral posting requirements.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certain aspects of Dodd-Frank are subject to further rule making and will take effect over several years,
making it difficult to anticipate the overall financial impact on us or across the industry. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Department of Justice
Litigation </I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The U.S. Department of Justice (DOJ) and certain states&#146; attorneys general have brought an
action against us alleging that the provisions in our card acceptance agreements with merchants that prohibit merchants from discriminating against our card products at the point of sale violate the U.S. antitrust laws. See Part II, Item&nbsp;1.
&#147;Legal Proceedings&#148; for descriptions of the DOJ action and related cases. Visa and MasterCard, which were also defendants in the DOJ and state action, entered into a settlement agreement and have been dismissed as parties pursuant to that
agreement. The settlement enjoins Visa and MasterCard, with certain exceptions, from adopting or enforcing rules or entering into contracts that prohibit merchants from engaging in various actions to steer cardholders to other card products or
payment forms at the point of sale. If similar conditions were imposed on American Express, it could have a material adverse effect on our business. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>Other Legislative and Regulatory Initiatives </I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Various
countries in which we operate have been considering and in some cases adopting legislation and rules that would or do impose changes on certain practices of card issuers, merchant acquirers and payment networks including antitrust actions,
legislation to regulate particular practices or prices and the establishment of broad and ongoing regulatory oversight regimes for payment systems. Regulators and legislators outside the U.S. have focused on the fees merchants pay to accept cards,
including the way bankcard network members collectively set the &#147;interchange&#148; (that is, the fee paid by the bankcard merchant acquirer to the card issuer in &#147;four-party&#148; payment networks, like Visa and MasterCard), as well as
terms of merchant acceptance rules and contracts. Although, unlike the Visa and MasterCard networks, the American Express &#147;three-party&#148; payment network does not have interchange fees or collectively set any fees or rules, antitrust actions
and government regulation relating to merchant pricing or terms of merchant rules and contracts could affect all networks directly or indirectly. For example, the European Commission&#146;s (the Commission) decision to make binding Visa
Europe&#146;s commitments to cap its cross-border credit card multilateral interchange fees to 30 basis points and change its rules on how cross-border interchange is applied could negatively impact the discount revenue we derive from our business
in the European Union (EU) as a result of downward marketplace pressure on merchant fees, including our discount rates. Broad regulatory oversight over payment systems can also include, in some cases, requirements for international card networks to
be locally licensed and/or to localize aspects of their operations. The development and enforcement of regulatory regimes may adversely affect our ability to maintain or increase our revenues and extend our global network. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">67 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">In January 2012, the Commission published a Green Paper (a document to begin
a process of consultation toward potential regulation) covering a range of issues affecting the payments industry. The Commission completed the consultation process and on July&nbsp;24, 2013, issued its recommendations, which included draft
legislation now under consideration within the Council of the European Union and the European Parliament. The Commission&#146;s recommendations included a number of proposals that would likely have significant impact across the industry and would
apply either in whole or in part to American Express. The proposed changes include: </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Price caps &#151; The Commission proposed capping interchange fees at 20 basis points for debit and prepaid cards and 30 basis points for credit and
charge cards. Although American Express does not have interchange fees, as four-party networks such as Visa and MasterCard have, the caps would be deemed to apply to elements of the financial arrangements agreed between American Express and each GNS
partner in the EU. The discount rates American Express agrees with merchants would not be capped, but the interchange caps could exert downward pressures on merchant fees across the industry, including American Express discount rates. The Commission
proposed to exclude commercial card transactions generally from the scope of these caps. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Network rules on card acceptance &#151; The Commission proposed to prohibit honor-all-cards and anti-steering rules across all card networks. In
addition, the draft proposals sought harmonization of surcharging rules so that, across the EU, transactions that are subject to the interchange caps may not be surcharged, but transactions falling outside the scope of the caps could be surcharged
up to cost. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Network licensing &#151; The Commission proposed to require all networks, including three-party payment networks that operate with licensing
arrangements, which would include our GNS business, to establish objective, proportionate and non-discriminatory criteria under which a financial institution could qualify to be licensed to operate on the network. In addition, the scope of network
licenses would be required to cover the entire EU. These requirements are inconsistent with the flexibility and discretion that American Express has had to date in deciding when, where and with whom to grant a license in the GNS business.
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Separation of network processing &#151; The Commission proposed to require card networks to separate their network processing functions (in which
transactions between different issuers and acquirers are processed for authorization, clearing and settlement). This proposal does not apply to three-party payment networks, such as American Express, but may be deemed applicable in situations where
a different GNS issuer and acquirer is involved in a transaction, which represent a very small percentage of transactions on the American Express network. Further clarification of the applicability of this requirement is needed where, as with GNS,
licensing arrangements do not give rise to inter-bank transactions or relationships. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">These
proposals are currently subject to debate and amendment by the European Parliament and Council of the European Union in a complex legislative process that will also involve the Commission. The Parliament held a preliminary vote in April 2014 broadly
in favor of the Commission&#146;s proposals with some amendments, including the application of price caps to transactions on three-party networks above an unspecified share threshold and three-party network cards issued with co-brand partners or via
agents; the inclusion of commercial cards within the scope of price caps; and the ability of Member States to ban surcharging altogether. The Council has yet to establish its position on the proposals and the Parliament will need to finalize its
position in another vote, before the Commission, Parliament and Council ultimately agree on a compromise text. It is therefore too early to assess the exact scope and impact of any final legislation. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">68 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">In certain countries, such as Australia, and in certain Member States in the
EU, merchants are permitted by law to surcharge card purchases. While surcharging continues to be actively considered in certain jurisdictions, the benefits to customers have not been apparent in countries that have allowed it, and in some cases
regulators are addressing concerns about excessive surcharging by merchants. Surcharging, particularly where it disproportionately impacts American Express Card Members, which is known as differential surcharging, could have a material adverse
effect on us if it becomes widespread. The Reserve Bank of Australia allows us and other networks to limit a merchant&#146;s right to surcharge to &#147;the reasonable cost of card acceptance.&#148; In the EU, the Consumer Rights Directive prohibits
merchants from surcharging card purchases more than the merchants&#146; cost of acceptance in those Member States that permit surcharging. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Although neither a legislative nor regulatory initiative, the settlement by MasterCard and Visa in a U.S. merchant class litigation required, among other things, MasterCard and Visa to permit U.S.
merchants, subject to certain conditions, to surcharge credit cards, while allowing them to continue to prohibit surcharges on debit and prepaid card transactions. In December 2013, we announced the proposed settlement of a number of U.S. merchant
class action lawsuits, which, if approved, would change certain surcharging provisions in our U.S. card acceptance agreements. For a further description of the proposed settlement, see Item&nbsp;1. &#147;Legal Proceedings&#148; in our Annual Report
on Form 10-K for the year ended December&nbsp;31, 2013. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Refer to &#147;Consolidated Capital Resources and
Liquidity&#148; for a discussion of capital adequacy requirements established by federal banking regulators. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><I>Glossary
of Selected Terminology </I></B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Adjusted average loans</I> &#151; Represents average Card Member loans
excluding the impact of deferred card fees, net of direct acquisition costs of Card Member loans and certain other immaterial items. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>Adjusted net interest income</I> &#151; Represents net interest income attributable to our Card Member loans portfolio excluding the impact of interest expense and interest income not attributable to
our Card Member loans portfolio. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Asset securitizations</I> &#151; Asset securitization involves the
transfer and sale of receivables or loans to a special-purpose entity created for the securitization activity, typically a trust. The trust, in turn, issues securities, commonly referred to as asset-backed securities, that are secured by the
transferred receivables or loans. The trust uses the proceeds from the sale of such securities to pay the purchase price for the underlying receivables or loans. The receivables and loans of our Charge Trust and Lending Trust being securitized are
reported as assets on our Consolidated Balance Sheets. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Average discount rate &#151; </I>This calculation
is designed to reflect pricing at merchants accepting general purpose American Express cards. It represents the percentage of billed business (both proprietary and GNS) retained by us from merchants we acquire, prior to payments to third parties
unrelated to merchant acceptance. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Basel III supplementary leverage ratio &#151; </I>Refer to the Capital
Strategy section under &#147;Consolidated Capital Resources and Liquidity&#148; for the definition<I>.</I> </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Basic cards-in-force</I> &#151; Proprietary basic consumer cards-in-force includes basic cards issued to the primary
account owner and does not include additional supplemental cards issued on that account. Proprietary basic small business and corporate cards-in-force include basic and supplemental cards issued to employee Card Members. Non-proprietary basic
cards-in-force includes cards that are issued and outstanding under network partnership agreements, except for supplemental cards and retail co-brand Card Member accounts which have had no out-of-store spend activity during the prior 12-month
period. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">69 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Billed business </I>&#151; Includes activities (including cash advances)
related to proprietary cards, cards issued under network partnership agreements (non-proprietary billed business), corporate payments and certain insurance fees charged on proprietary cards. In-store spend activity within retail co-brand portfolios
in GNS, from which we earn no revenue, is not included in non-proprietary billed business. Card billed business is reflected in the U.S. or outside the U.S. based on where the issuer is located. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Capital ratios</I> &#151; Represents the minimum standards established by the regulatory agencies as a measure to
determine whether the regulated entity has sufficient capital to absorb on- and off-balance sheet losses beyond current loss accrual estimates. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>Card Member </I>&#151; The individual holder of an issued American Express branded charge or credit card. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>Card Member loans</I> &#151; Represents the outstanding amount due from Card Members for charges made on their American Express credit cards, as well as any interest charges and card-related fees. Card
Member loans also include revolving balances on certain American Express charge card products and are net of deferred card fees. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>Card Member receivables</I> &#151; Represents the outstanding amount due from Card Members for charges made on their American Express charge cards as well as any card-related fees. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Charge cards</I> &#151; Represents cards that generally carry no pre-set spending limits and are primarily designed as
a method of payment and not as a means of financing purchases. Charge Card Members generally must pay the full amount billed each month. No finance charges are assessed on charge cards. Each charge card transaction is authorized based on its likely
economics reflecting a customer&#146;s most recent credit information and spend patterns. Some charge card accounts have an additional lending-on-charge feature that allows revolving certain balances. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Common Equity Tier 1 risk-based capital ratio</I> &#151; Refer to the Capital Strategy section under
&#147;Consolidated Capital Resources and Liquidity&#148; for the definitions under Transitional Basel III and Fully Phased-in Basel III. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>Credit cards</I> &#151; Represents cards that have a range of revolving payment terms, grace periods, and rate and fee structures. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Discount revenue</I> &#151; Represents revenue earned from fees generally charged to merchants with whom we have
entered into a card acceptance agreement for processing Card Member transactions. The discount fee generally is deducted from our payment reimbursing the merchant for Card Member purchases. Discount revenue is reduced by other payments made to
merchants, third-party card issuing partners, cash-back reward costs, corporate incentive payments and other contra-revenue items. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>Four-party network</I> &#151; A payment network, such as Visa or MasterCard, in which the card issuer and merchant acquirer are different entities and the network does not have direct relationships
with merchants or cardholders. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Interest expense </I>&#151; Interest expense includes interest incurred
primarily to fund Card Member loans, charge card product receivables, general corporate purposes, and liquidity needs, and is recognized as incurred. Interest expense is divided principally into two categories: (i)&nbsp;deposits, which primarily
relates to interest expense on deposits taken from customers and institutions and (ii)&nbsp;long-term debt, which primarily relates to interest expense on our long-term financing and short-term borrowings, which primarily relates to interest expense
on commercial paper, federal funds purchased, bank overdrafts and other short-term borrowings. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">70 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Interest income </I>&#151; Interest income includes (i)&nbsp;interest on
loans, (ii)&nbsp;interest and dividends on investment securities and (iii)&nbsp;interest income on deposits with banks and other. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>Interest on loans </I>&#151; is assessed using the average daily balance method for loans. 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 paid or written off. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>Interest and dividends on investment securities </I>&#151; primarily relates to our performing fixed-income securities. Interest income is accrued as earned using the effective interest method, which
adjusts the yield for security premiums and discounts, fees and other payments, so that the related investment security recognizes a constant rate of return on the outstanding balance throughout its term. These amounts are recognized until these
securities are in default or when it is likely that future interest payments will not be made as scheduled. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Interest income on deposits with banks and other</I> &#151; 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 other interest-bearing demand and call accounts. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Liquidity Coverage Ratio </I>&#151; Represents the proposed minimum standards being established by the regulatory
agencies as a measure to determine whether the regulated entity has sufficient liquidity to meet liquidity needs in periods of financial and economic stress. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>Merchant acquisition</I> &#151; Represents the signing of merchants to accept American Express-branded cards. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>Net card fees</I> &#151; Represents the card membership fees earned during the period. These fees are recognized as revenue over the covered card membership period (typically one year), net of
provision for projected refunds for cancellation of card membership. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Net interest yield on Card Member
loans &#151;</I> Net interest yield on Card Member loans is computed by dividing adjusted net interest income by adjusted average loans, computed on an annualized basis. The calculation of net interest yield on Card Member loans includes interest
that is deemed uncollectible. For all presentations of net interest yield on Card Member loans, reserves and net write-offs related to uncollectible interest are recorded through provisions for losses &#151; Card Member loans; therefore, such
reserves and net write-offs are not included in the net interest yield calculation. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Net loss ratio</I>
&#151; Represents the ratio of ICS and GCS charge card write-offs consisting of principal (resulting from authorized transactions) and fee components, less recoveries, on Card Member receivables expressed as a percentage of gross amounts billed to
Card Members. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Net write-off rate </I>&#151;<I> principal only</I> &#151; Represents the amount of Card
Member loans or USCS and ICS Card Member receivables written off consisting of principal (resulting from authorized transactions), less recoveries, as a percentage of the average loan balance or USCS and ICS average receivables during the period.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Net write-off rate </I>&#151;<I> principal, interest and fees </I>&#151; Includes, in the calculation of
the net write-off rate, amounts for interest and fees in addition to principal for Card Member loans, and fees in addition to principal for USCS and ICS Card Member receivables. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Operating expenses</I> &#151; Represents salaries and employee benefits, professional services, occupancy and
equipment, communications and other expenses. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">71 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Return on average equity</I> &#151; Calculated by dividing one-year
period net income by one-year average total shareholders&#146; equity. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Return on average segment capital
</I>&#151; Calculated by dividing one-year period segment income by one-year average segment capital. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Return on average tangible segment capital </I>&#151; Computed in the same manner as return on average segment capital
except the computation of average tangible segment capital excludes from average segment capital average goodwill and other intangibles. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>Risk-weighted assets</I> &#151; Refer to the Capital Strategy section under &#147;Consolidated Capital Resources and Liquidity&#148; for the definitions under Basel I and Fully Phased-in Basel III.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Segment capital</I> &#151; Represents the capital allocated to a segment based upon specific business
operational needs, risk measures, and regulatory capital requirements. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Three-party network</I> &#151; A
payment network, such as American Express, that acts as both the card issuer and merchant acquirer. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Tier 1
leverage ratio</I> &#151; Refer to the Capital Strategy section under &#147;Consolidated Capital Resources and Liquidity&#148; for the definitions under Transitional Basel III and Fully Phased-in Basel III. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Tier 1 risk-based capital ratio</I> &#151; Refer to the Capital Strategy section under &#147;Consolidated Capital
Resources and Liquidity&#148; for the definitions under Transitional Basel III and Fully Phased-in Basel III. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Total cards-in-force &#151; </I>Represents the number of cards that are issued and outstanding. Non-proprietary
cards-in-force includes all cards that are issued and outstanding under network partnership agreements, except for retail co-brand Card Member accounts which have no out-of-store spend activity during the prior 12-month period. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Total risk-based capital ratio</I> &#151; Refer to the Capital Strategy section under &#147;Consolidated Capital
Resources and Liquidity&#148; for the definition. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Travel sales &#151; </I>Represents the total dollar
amount of travel transaction volume for airline, hotel, car rental, and other travel arrangements made for consumers and small businesses. We earn revenue on these transactions by charging a transaction or management fee. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">72 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc808273_10"></A>ITEM&nbsp;3. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT
MARKET RISK </B></FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Market risk is the risk to earnings or value resulting from movements in market prices. Our
market risk exposure is primarily generated by interest rate risk in our card, insurance and Travelers Cheque businesses, as well as our investment portfolios, and foreign exchange risk in our operations outside the United States. As described in
our Annual Report on Form 10-K for the year ended December&nbsp;31, 2013 (refer to &#147;Item 7A. Quantitative and Qualitative Disclosures About Market Risk&#148;): </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">the detrimental effect on our annual net interest income of a hypothetical 100 basis point increase in interest rates would be approximately $227
million; and </FONT></P></TD></TR></TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">the adverse impact on pretax income of a hypothetical 10 percent strengthening of the U.S. dollar related to anticipated overseas operating results
for the next 12 months would be approximately $192 million. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">These sensitivities are based
on the 2013 year-end positions, and assume that all relevant maturities and types of interest rates and foreign exchange rates that affect our results would increase instantaneously and simultaneously and to the same degree. There were no material
changes in these market risks since December&nbsp;31, 2013. </FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc808273_11"></A>ITEM&nbsp;4. CONTROLS AND
PROCEDURES </B></FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our management, with the participation of our Chief Executive Officer and Chief Financial
Officer, has evaluated the effectiveness of our disclosure controls and procedures (as such term is defined in Rules 13a-15(e) and 15d-15(e) under the Securities Exchange Act of 1934, as amended (the Exchange Act)) as of the end of the period
covered by this report. Based on such evaluation, our Chief Executive Officer and Chief Financial Officer have concluded that, as of the end of such period, our disclosure controls and procedures are effective and designed to ensure that the
information required to be disclosed in our reports filed or submitted under the Exchange Act is recorded, processed, summarized and reported within the requisite time periods specified in the applicable rules and forms, and that it is accumulated
and communicated to our management, including our Chief Executive Officer and Chief Financial Officer, as appropriate, to allow timely decisions regarding required disclosure. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">There have not been any changes in our internal control over financial reporting (as such term is defined in Rules
13a-15(f) and 15d-15(f) under the Exchange Act) during the fiscal quarter to which this report relates that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><U>Cautionary Note Regarding Forward-looking Statements </U></B></FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">This report includes forward-looking statements within the meaning of the Private Securities Litigation Reform Act of
1995, which are subject to risks and uncertainties. The forward-looking statements, which address our expected business and financial performance, among other matters, contain words such as &#147;believe,&#148; &#147;expect,&#148;
&#147;estimate,&#148; &#147;anticipate,&#148; &#147;optimistic,&#148; &#147;intend,&#148; &#147;plan,&#148; &#147;aim,&#148; &#147;will,&#148; &#147;may,&#148; &#147;should,&#148; &#147;could,&#148; &#147;would,&#148; &#147;likely,&#148; and similar
expressions. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date on which they are made. We undertake no obligation to update or revise any forward-looking statements. Factors that
could cause actual results to differ materially from these forward-looking statements, include, but are not limited to, the following: </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">73 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">the ability to hold annual operating expense growth to less than 3 percent during 2014, which will depend in part on unanticipated increases in
significant categories of operating expenses, such as consulting or professional fees, compliance or regulatory-related costs and technology costs, the payment of monetary damages and penalties, disgorgement and restitution, our decision to increase
or decrease discretionary operating expenses depending on overall business performance, our ability to achieve the expected benefits of our reengineering plans, our ability to balance expense control and investments in the business, the impact of
changes in foreign currency exchange rates on costs and results, the impact of accounting changes and reclassifications, and the level of acquisition activity and expenses; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">the actual amount to be spent by us on investments in the business during the fourth quarter 2014 and the actual amount of any potential gain
arising from the proposed acquisition, by SAP, of Concur Technologies we decide to invest in business building activities and initiatives designed to improve operating efficiencies, which will be based in part on the likelihood and timing of the
closing of the proposed Concur acquisition, the magnitude of any gain we recognize as a result of the Concur acquisition, which will depend on the ultimate purchase price paid by SAP, management&#146;s ability to identify attractive investment
opportunities and make such investments, which could be impacted by business, regulatory or legal complexities, our ability to develop and implement technology and other resources to realize efficiencies and the ability to control operating,
infrastructure and rewards expenses as business expands or changes, including the changing behavior of Card Members; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">changes affecting our ability or desire to repurchase up to $1.15 billion of our common shares for the remainder of 2014, such as acquisitions,
results of operations, capital needs and the amount of shares issued by us to employees upon the exercise of options, among other factors, which will significantly impact the potential decrease in our capital ratios; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">changes affecting our ability or desire to issue preferred shares during the fourth quarter of 2014 and the first quarter of 2015, such as actions
by bank regulatory agencies, capital needs, any reduction in our credit ratings, which could materially increase the cost and other terms of preferred shares, and market conditions, among other factors; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">the possibility that we will not fully execute on our plans for OptBlue, including increasing merchant acceptance and offsetting decreases in the
average discount rate with higher spend volume, which will depend in part on the success of OptBlue merchant acquirers in signing merchants to accept American Express, which could be impacted by the pricing set by the merchant acquirers and the
value proposition offered to small merchants; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">our ability to meet our on-average and over-time growth targets for revenues net of interest expense, earnings per share and return on average
equity, which will depend on factors such as our success in implementing our strategies and business initiatives including growing our share of overall spending, increasing merchant coverage, enhancing our prepaid offerings, expanding the GNS
business and controlling expenses, and on factors outside management&#146;s control including the willingness of Card Members to sustain spending, the effectiveness of marketing and loyalty programs, regulatory and market pressures on pricing,
credit trends, currency and interest rate fluctuations, and changes in general economic conditions, such as GDP growth, consumer confidence, unemployment and the housing market; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">our ability to meet our on-average and over-time objective to return 50 percent of capital generated to shareholders through dividends and share
repurchases, which will depend on factors such as approval of our capital plans by our regulators, the amount we spend on acquisitions, our results of operations and capital needs in any given period, and the amount of shares issued by us to
employees upon the exercise of options; </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">74 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">uncertainty relating to the outcomes and costs associated with merchant class actions, including the success or failure of the settlement agreement,
such as objections to the settlement agreement by plaintiffs and other parties and uncertainty and timing related to the approval of the settlement agreement by the Court, which can be impacted by appeals; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">changes in global economic and business conditions, including consumer and business spending, the availability and cost of credit, unemployment and
political conditions, all of which may significantly affect spending on American Express cards, delinquency rates, loan balances and other aspects of our business and results of operations; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">changes in capital and credit market conditions, including sovereign creditworthiness, which may significantly affect our ability to meet our
liquidity needs, expectations regarding capital and liquidity ratios, access to capital and cost of capital, including changes in interest rates; changes in market conditions affecting the valuation of our assets; or any reduction in our credit
ratings or those of our subsidiaries, which could materially increase the cost and other terms of our funding, restrict our access to the capital markets or result in contingent payments under contracts; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">litigation, such as class actions or proceedings brought by governmental and regulatory agencies (including the lawsuit filed against us by the U.S.
Department of Justice and certain state attorneys general), that could result in (i)&nbsp;the imposition of behavioral remedies against us or us voluntarily making certain changes to our business practices, the effects of which in either case could
have a material adverse impact on our business; (ii)&nbsp;the imposition of substantial monetary damages and penalties, disgorgement and restitution; and/or (iii)&nbsp;damage to our global reputation and brand; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">legal and regulatory developments wherever we do business, including legislative and regulatory reforms in the U.S., such as the establishment of
the CFPB and Dodd-Frank&#146;s stricter regulation of large, interconnected financial institutions, which could make fundamental changes to many of our business practices or materially affect our capital or liquidity requirements, results of
operations, or ability to pay dividends or repurchase our stock; actions and potential future actions by the FDIC and credit rating agencies applicable to securitization trusts, which could impact our ABS program; or potential changes to the
taxation of our businesses, the allowance of deductions for significant expenses, or the incidence of consumption taxes on our transactions, products and services; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">changes in the substantial and increasing worldwide competition in the payments industry, including competitive pressure that may impact the prices
we charge merchants that accept our cards, competition for co-brand relationships and the success of marketing, promotion or rewards programs; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">changes in the financial condition and creditworthiness of our business partners, such as bankruptcies, restructurings or consolidations, involving
merchants that represent a significant portion of our business, such as the airline industry, or our partners in GNS or financial institutions that we rely on for routine funding and liquidity, which could materially affect our financial condition
or results of operations; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">the impact of final laws and regulations, if any, arising from the European Commission&#146;s legislative proposals covering a range of issues
affecting the payments industry, which will depend on various factors, including, but not limited to, the issues presented and decisions made in the European legislative and regulatory processes addressing the proposed regulation of interchange fees
and other practices related to card-based payment transactions, the amount of time these processes take to reach completion, and the actual pricing and other requirements ultimately adopted in the final laws and regulations in the European Union and
its Member States; </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">75 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">our ability to maintain and expand our presence in the digital payments space, including online and mobile channels, which will depend on our
success in evolving our business models and processes for the digital environment, building partnerships and executing programs with companies, and utilizing digital capabilities that can be leveraged for future growth; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">factors beyond our control such as fire, power loss, disruptions in telecommunications, severe weather conditions, natural disasters, health
pandemics, terrorism, cyber attacks or fraud, which could significantly affect spending on American Express cards, delinquency rates, loan balances and travel-related spending or disrupt our global network systems and ability to process
transactions; and </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">the potential failure of the U.S. Congress to renew legislation regarding the active financing exception to Subpart F of the Internal Revenue Code,
which could increase our effective tax rate and have an adverse impact on net income. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">A
further description of these uncertainties and other risks can be found in our Annual Report on Form 10-K for the year ended December&nbsp;31, 2013 and our other reports filed with the Securities and Exchange Commission. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc808273_12"></A>PART II. OTHER INFORMATION </B></FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc808273_13"></A>ITEM&nbsp;1. LEGAL PROCEEDINGS </B></FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">We and our subsidiaries are involved in a number of legal and arbitration proceedings, including class actions, arising
out of the conduct of our respective business activities. We believe we have meritorious defenses to each of these actions and intend to defend them vigorously. In the course of our business, we and our subsidiaries are also subject to governmental
examinations, information gathering requests, subpoenas, inquiries and investigations. We believe we are not a party to, nor are any of our properties the subject of, any pending legal, arbitration, regulatory or investigative proceedings that would
have a material adverse effect on our consolidated financial condition or liquidity. However, it is possible that the outcome of any such proceeding could have a material impact on results of operations in any particular reporting period as the
proceedings are resolved. Certain legal proceedings involving us or our subsidiaries are further described in this section and others, for which there have been no subsequent material developments since the filing of our Annual Report on Form 10-K
for the year ended December&nbsp;31, 2013, are described in such report. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">For those legal proceedings and
governmental examinations described in this section and in our Annual Report on Form 10-K for the year ended December&nbsp;31, 2013, where a loss is reasonably possible in future periods, whether in excess of a related accrued liability or where
there is no accrued liability, and for which we are able to estimate a range of possible loss, the current estimated range is zero to $350 million in excess of the accrued liability (if any) related to those matters. This aggregate range represents
management&#146;s estimate of possible loss with respect to these matters and is based on currently available information. This estimated range of possible loss does not represent our maximum loss exposure. The legal proceedings and governmental
examinations underlying the estimated range will change from time to time and actual results may vary significantly from current estimates. For additional information, refer to Note 15 to the Consolidated Financial Statements. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Corporate Matters </B></FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">During the last few years as regulatory interest in credit card network pricing to merchants or terms of merchant rules and contracts has increased, we have responded to many inquiries from banking and
competition authorities throughout the world. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">76 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">In 2010, the DOJ, along with Attorneys General from Arizona, Connecticut,
Hawaii (Hawaii has since withdrawn its claim), Idaho, Illinois, Iowa, Maryland, Michigan, Missouri, Montana, Nebraska, New Hampshire, Ohio, Rhode Island, Tennessee, Texas, Utah and Vermont filed a complaint in the U.S. District Court for the Eastern
District of New York against us, MasterCard International Incorporated and Visa, Inc., alleging a violation of Section&nbsp;1 of the Sherman Antitrust Act. The complaint alleges that the defendants&#146; policies prohibiting merchants from steering
a customer to use another network&#146;s card, another type of card or another method of payment (&#147;anti-steering&#148; and &#147;non-discrimination&#148; rules and contractual provisions) violate the antitrust laws. The complaint seeks a
judgment permanently enjoining the defendants from enforcing their anti-steering and non-discrimination rules and contractual provisions. The complaint does not seek monetary damages. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The DOJ matter was coordinated pre-trial with individual and putative class actions pending in the Eastern District of
New York against American Express brought by merchants alleging that our &#147;anti-steering&#148; provisions in its merchant acceptance agreements with the plaintiffs violate federal antitrust laws. As alleged by the plaintiffs, these provisions
prevent merchants from offering consumers incentives to use alternative forms of payment when consumers wish to use an American Express-branded card. Plaintiffs seek damages and injunctive relief. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">In July 2004, we were named as a defendant in a putative class action captioned <U>The Marcus Corporation v. American
Express Company, et al.</U>, in which the plaintiffs allege an unlawful antitrust tying arrangement between certain of our charge cards and credit cards in violation of various state and federal laws. The plaintiffs in these actions seek injunctive
relief and an unspecified amount of damages. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">In December 2013, we announced a proposed settlement of the
<U>Marcus</U> case and the putative class actions challenging our anti-steering or non-discrimination provisions. The settlement, which provides for certain injunctive relief for the proposed classes, received preliminary approval in the United
States District Court for the Eastern District of New York. The final approval hearing was held on September&nbsp;17, 2014 and we are awaiting decision. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Trial of the DOJ matter concluded on August&nbsp;18, 2014. Closing arguments were held on October&nbsp;9, 2014 following submission of post-trial briefs. A trial date for the individual merchant actions
has not been set. Defendants&#146; motion for summary judgment in the individual merchant actions is pending. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">We are a defendant in a class action captioned <U>Kaufman&nbsp;v.&nbsp;American Express Travel Related Services</U>,
which was filed on February&nbsp;14, 2007, and is pending in the United States District Court for the Northern District of Illinois. Plaintiffs&#146; principal allegation is that our gift cards violate consumer protection statutes because consumers
allegedly have difficulty spending small residual amounts on the gift cards prior to the imposition of monthly service fees. The Court preliminarily certified a settlement class consisting of (with some exceptions) &#147;all purchasers, recipients
and holders of all gift cards issued by American Express from January&nbsp;1, 2002 through the date of preliminary approval of the settlement.&#148; We are also a defendant in <U>Goodman v. American Express Travel Related Services</U>, a putative
class action pending in the United States District Court for the Eastern District of New York, that involves allegations similar to those made in <U>Kaufman</U>. Plaintiffs in <U>Goodman</U> have intervened in the <U>Kaufman</U> proceedings and will
be subject to any final settlement in <U>Kaufman</U> that may be approved over their objections. A final settlement approval hearing was held on June&nbsp;11, 2014 and we are awaiting decision. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>U.S. Card Services and Global Merchant Services Matters </B></FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">In July 2004, a purported class action complaint, <U>Ross, et al. v. American Express Company, American Express Travel
Related Services and American Express Centurion Bank</U>, was filed in the United States District Court for the Southern District of New York alleging that we conspired with Visa, MasterCard and Diners Club in the setting of foreign currency
conversion rates and in the inclusion of arbitration clauses in certain of their cardholder agreements. The suit seeks injunctive relief and unspecified damages. The class is defined as &#147;all Visa, MasterCard and Diners Club general-purpose
cardholders who used cards issued by any of the MDL Defendant Banks.&#148; American Express Card Members are not part of the class. The settlement of the claims asserted on behalf of the damage class concerning foreign currency conversion rates was
approved in 2012. On April&nbsp;10, 2014, following a trial of the claims asserted by the injunction class concerning cardholder arbitration clauses, the Court dismissed plaintiffs&#146; claims and granted judgment in favor of us. Plaintiffs have
appealed. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">77 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">In October&nbsp;2009, a putative class action, captioned <U>Lopez, et al. v.
American Express Bank, FSB and American Express Centurion Bank</U>, was filed in the United States District Court for the Central District of California. The amended complaint sought to certify a class of California American Express Card Members
whose interest rates were changed from fixed to variable in or around August 2009 or otherwise increased. On August&nbsp;20, 2014, plaintiffs filed an amended nationwide complaint and an unopposed motion for preliminary approval of a settlement of
the claims alleged in that complaint.&nbsp;The settlement provides for certain relief to class members, attorneys&#146; fees and costs of up to $6 million.&nbsp;On September&nbsp;22, 2014, the motion for preliminary approval was denied without
prejudice to renew. The parties are responding to the court&#146;s questions regarding the class notice and claims processes and the request for preliminary approval will be renewed. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">In September&nbsp;2010, a putative class action, captioned <U>Meeks v. American Express Centurion Bank</U>, was filed in
Fulton County Superior Court, Georgia and later moved to federal court. Plaintiffs sought to certify a nationwide class of all American Express Card Members who received unilateral interest rate increases despite their accounts being in good
standing. In 2013, two putative class actions, captioned <U>Seldes v. American Express Centurion Bank</U> and <U>Manhattan Steamboat LLC v. American Express Bank, FSB</U>, were filed by plaintiffs making allegations similar to those in <U>Meeks</U>
and seeking to certify nationwide classes. These actions have been dismissed with prejudice. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">In
October&nbsp;2012, a putative class action captioned <U>Clarke v. American Express Company, et al</U>. was filed in the United States District Court for the Southern District of New York alleging that American Express Company, American Express
Travel Related Services, Inc., American Express Centurion Bank and American Express Bank, FSB violated state consumer protection laws, state common law and federal statutory law in the marketing, selling and implementation of a credit card product
known as &#147;Account Protector.&#148; The complaint seeks unspecified compensatory and punitive damages along with injunctive and declaratory relief. Plaintiffs have dismissed this action without prejudice. </FONT></P>
<P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>International Matters </B></FONT></P> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">In a class action captioned <U>Sylvan Adams v. Amex Bank of Canada</U>, filed in the Superior Court of Quebec, District of Montreal in 2004, plaintiffs allege that prior to December 2003, Amex Bank of
Canada charged a foreign currency conversion commission on transactions to purchase goods and services in currencies other than Canadian dollars and failed to disclose the commissions in monthly billing statements or solicitations directed to
prospective Card Members. The action further alleges that conversion commissions made on foreign currency transactions are credit charges under the Quebec Consumer Protection Act (the &#147;QCPA&#148;) and cannot be charged prior to the 21-day grace
period under the QCPA. The class, consisting of all personal and small business Card Members residing in Quebec that purchased goods or services in a foreign currency prior to December 2003, claims reimbursement of all foreign currency conversion
commissions, CDN$1,000 in punitive damages per class member, interest and fees and costs. On June&nbsp;11, 2009, following trial, the Superior Court rendered a judgment in favor of the plaintiffs against Amex Bank of Canada and awarded damages in
the amount of approximately CDN$13.1 million plus interest on the non-disclosure claims, and punitive damages in the amount of CDN$2.5 million. The Court of Appeal overturned the decision in part, with regard to the award of punitive damages. Amex
Bank of Canada further appealed and that appeal was heard in the Supreme Court of Canada on February&nbsp;13, 2014. On September&nbsp;19, 2014, the Supreme Court denied the appeal. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">78 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">In a class action captioned&nbsp;<U>Marcotte v. Bank of Montreal</U>, et
al., filed in the Superior Court of Quebec, District of Montreal in 2003, against Amex Bank of Canada, Bank of Montreal, Toronto-Dominion Bank, Royal Bank of Canada, Canadian Imperial Bank of Commerce, Scotiabank, National Bank of Canada, Laurentian
Bank of Canada and Citibank Canada, plaintiffs alleges that conversion commissions made on foreign currency transactions are credit charges under the QCPA and cannot be charged prior to the 21-day grace period under the QCPA. The class includes all
persons residing in Quebec holding a credit card issued by one of the defendants to whom fees were charged since April&nbsp;17, 2000, for transactions made in foreign currency before expiration of the period of 21 days following the statement of
account. The class claims reimbursement of all foreign currency conversions, CDN$400 per class member for trouble, inconvenience and punitive damages, interest and fees and costs. On June&nbsp;11, 2009, following trial, the Superior Court rendered a
judgment in favor of the plaintiffs against Amex Bank of Canada and awarded damages in the amount of approximately CDN$8.3 million plus interest on the QCPA and non-disclosure claims and punitive damages in the amount of CDN$25 per Card Member. The
Court of Appeal overturned the decision against Amex Bank of Canada and certain of the other co-defendants. The remaining co-defendants and the plaintiffs appealed and&nbsp;that appeal was heard by the Supreme Court of Canada on February&nbsp;13,
2014. On September&nbsp;19, 2014, the Supreme Court of Canada denied the co-defendants&#146; appeal but granted plaintiffs&#146; appeal in part, partially restoring the trial court&#146;s award against Amex Bank of Canada as well as the punitive
damages award against all defendants.</FONT></P> <P STYLE="margin-top:14px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc808273_14"></A>ITEM&nbsp;1A. RISK FACTORS </B></FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">For a discussion of our risk factors, see Part I, Item&nbsp;1A. &#147;Risk Factors&#148; of our Annual Report on Form 10-K
for the year ended December&nbsp;31, 2013 (the Annual Report) and Part II, Item&nbsp;1A. &#147;Risk Factors&#148; of our Quarterly Report on Form 10-Q for the quarter ended June&nbsp;30, 2014 (the Second Quarter Form 10-Q). There are no material
changes from the risk factors set forth in the Annual Report, as supplemented and updated in the Second Quarter Form 10-Q. However, the risks and uncertainties that we face are not limited to those set forth in the Annual Report and Second Quarter
Form 10-Q. Additional risks and uncertainties not presently known to us or that we currently believe to be immaterial may also adversely affect our business and the trading price of our securities. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">79 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc808273_15"></A>ITEM&nbsp;2. UNREGISTERED SALES OF EQUITY SECURITIES AND USE
OF PROCEEDS </B></FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(c)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>ISSUER PURCHASES OF SECURITIES </B></FONT></P></TD></TR></TABLE> <P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The table below sets forth the information with respect to purchases of the Company&#146;s common stock made by or on behalf of the Company during the three months ended September&nbsp;30, 2014.
</FONT></P> <P STYLE="font-size:0px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="48%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="bottom"> <P STYLE="border-bottom:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total&nbsp;Number<BR>of Shares<BR>Purchased</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average&nbsp;Price<BR>Paid&nbsp;Per&nbsp;Share</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;<BR>&nbsp;<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total&nbsp;Number&nbsp;of<BR>Shares<BR>Purchased as<BR>Part of Publicly<BR>Announced&nbsp;Plans<BR>or Programs&nbsp;</FONT><FONT
STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR>&nbsp;&nbsp;<BR></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Maximum Number of Shares that May&nbsp;Yet&nbsp;Be
Purchased&nbsp;Under the Plans or Programs</FONT></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">July 1-31, 2014</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Repurchase program&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">415,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">89.06</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">415,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">83,970,493</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Employee transactions&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">26,292</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">94.57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">N/A</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">N/A</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">August 1-31, 2014</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Repurchase program&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,448,871</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">88.13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,448,871</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">78,521,622</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Employee transactions&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">50,054</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">93.33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">N/A</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">N/A</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">September 1-30, 2014</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Repurchase program&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,094,622</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">88.74</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,094,622</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">71,427,000</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Employee transactions&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,599</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">89.89</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">N/A</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">N/A</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Repurchase program&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,958,493</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">88.49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,958,493</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">71,427,000</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Employee transactions&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">82,945</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">93.45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">N/A</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">N/A</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="15"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="15" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">As of September&nbsp;30, 2014, there were approximately 71&nbsp;million shares of common stock remaining under Board authorization. Such
authorization does not have an expiration date and, at present, there is no intention to modify or otherwise rescind such authorization. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Includes: (i)&nbsp;shares surrendered by holders of employee stock options who exercised options (granted under the Company&#146;s incentive
compensation plans) in satisfaction of the exercise price and/or tax withholding obligation of such holders and (ii)&nbsp;restricted shares withheld (under the terms of grants under the Company&#146;s incentive compensation plans) to offset tax
withholding obligations that occur upon vesting and release of restricted shares. The Company&#146;s incentive compensation plans provide that the value of the shares delivered or attested to, or withheld, be based on the price of the Company&#146;s
common stock on the date the relevant transaction occurs. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Share purchases under publicly announced programs are made pursuant to open market purchases or privately negotiated transactions (including
employee benefit plans) as market conditions warrant and at prices the Company deems appropriate. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">80 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc808273_16"></A>ITEM&nbsp;5. OTHER INFORMATION </B></FONT></P>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Pursuant to Section&nbsp;219 of the Iran Threat Reduction and Syria Human Rights Act of 2012, which added
Section&nbsp;13(r) to the Securities Exchange Act of 1934, as amended (the &#147;Exchange Act&#148;), an issuer is required to disclose in its annual or quarterly reports, as applicable, whether it or any of its affiliates knowingly engaged in
certain activities, transactions or dealings relating to Iran or with individuals or entities designated pursuant to certain Executive Orders. Disclosure is generally required even where the activities, transactions or dealings were conducted
outside the United States by non-U.S. affiliates in compliance with applicable law, and whether or not the activities are sanctionable under U.S. law. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT
STYLE="font-family:Times New Roman" SIZE="2">A travel company that may be considered an affiliate of ours, American Express Nippon Travel Agency, Inc. (&#147;Nippon Travel Agency&#148;), has informed us that during the third quarter of 2014 it
obtained 15 visas from the Iranian embassy in Japan in connection with certain travel arrangements on behalf of clients. Nippon Travel Agency had negligible gross revenues and net profits attributable to these transactions. Nippon Travel Agency has
informed us that it intends to continue to engage in this activity so long as such activity is permitted under U.S. law. </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="8%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc808273_17"></A>ITEM&nbsp;6.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>EXHIBITS </B></FONT></TD></TR></TABLE>
<P STYLE="margin-top:8px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The list of exhibits required to be filed as exhibits to this report are listed on page E-1 hereof, under &#147;Exhibit
Index&#148; which is incorporated herein by reference. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">81 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A NAME="toc808273_18"></A>SIGNATURES </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:3%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be
signed on its behalf by the undersigned thereunto duly authorized. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="46%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="45%"></TD></TR>


<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">AMERICAN EXPRESS COMPANY</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(Registrant)</FONT></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Date: October&nbsp;28, 2014</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">By</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Jeffrey C. Campbell</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Jeffrey C. Campbell</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Executive Vice President and</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Chief Financial Officer</FONT></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Date: October&nbsp;28, 2014</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">By</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Linda Zukauckas</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Linda Zukauckas</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Executive Vice President and</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Corporate Comptroller</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">(Principal Accounting Officer)</FONT></P></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">82 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A NAME="toc808273_19"></A>EXHIBIT INDEX </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following exhibits are filed as part of this Quarterly Report: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="80%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="88%"></TD></TR>


<TR>
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Exhibit&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Description</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">12</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Computation in Support of Ratio of Earnings to Fixed Charges.</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">31.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certification of Kenneth I. Chenault pursuant to Rule 13a-14(a) promulgated under the Securities Exchange Act of 1934, as amended.</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">31.2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certification of Jeffrey C. Campbell pursuant to Rule 13a-14(a) promulgated under the Securities Exchange Act of 1934, as amended.</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">32.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certification of Kenneth I. Chenault pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">32.2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certification of Jeffrey C. Campbell pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">101.INS</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">XBRL Instance Document</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">101.SCH</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">XBRL Taxonomy Extension Schema Document</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">101.CAL</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">XBRL Taxonomy Extension Calculation Linkbase Document</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">101.LAB</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">XBRL Taxonomy Extension Label Linkbase Document</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">101.PRE</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">XBRL Taxonomy Extension Presentation Linkbase Document</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">101.DEF</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">XBRL Taxonomy Extension Definition Linkbase Document</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">E-1
</FONT></P>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-12
<SEQUENCE>2
<FILENAME>d808273dex12.htm
<DESCRIPTION>EX-12
<TEXT>
<HTML><HEAD>
<TITLE>EX-12</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">EXHIBIT 12 </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">AMERICAN EXPRESS COMPANY </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">COMPUTATION IN SUPPORT OF RATIO OF EARNINGS TO FIXED
CHARGES </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(<I>Dollars in Millions</I>) </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="97%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="54%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD COLSPAN="23" VALIGN="top"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="18"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD ROWSPAN="2" VALIGN="bottom" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD>
<TD ROWSPAN="2" VALIGN="bottom" STYLE="border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nine&nbsp;Months&nbsp;Ended</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2">September 30, 2014</FONT></P></TD>
<TD ROWSPAN="2" NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="16" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Years Ended December&nbsp;31,</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2012</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2011</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">2010</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2009</FONT></P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Earnings:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Pretax income from continuing operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6,766</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,888</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,451</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,956</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,964</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,841</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expense&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,302</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,958</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,226</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,320</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,423</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,208</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other adjustments&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(b)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>147</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">117</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">126</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">129</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total earnings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>8,215</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,979</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,794</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,400</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,513</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5,178</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Fixed charges:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,302</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,958</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,226</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,320</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,423</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,208</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other adjustments&nbsp;</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(c)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>60</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">93</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">102</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">121</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total fixed charges</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>1,362</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,051</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,328</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,414</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,508</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,329</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ratio of earnings to fixed charges</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>6.03</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.78</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.89</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.22</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="23"></TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="23" VALIGN="top"> <P STYLE="border-top:2px solid #000000">&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">Included in interest expense is interest expense related to the Card Member lending activities, international banking operations, and charge card
and other activities in the Consolidated Statements of Income. Interest expense does not include interest on liabilities recorded under GAAP governing accounting for uncertainty in income taxes. The Company&#146;s policy is to classify such interest
in income tax provision in the Consolidated Statements of Income. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">For purposes of the &#147;earnings&#148; computation, &#147;other adjustments&#148; include adding the amortization of capitalized interest, the net
loss of affiliates accounted for under the equity method whose debt is not guaranteed by the Company, the noncontrolling interest in the earnings of majority-owned subsidiaries with fixed charges, and the interest component of rental expense, and
subtracting undistributed net income of affiliates accounted for under the equity method. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1">(c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="1">For purposes of the &#147;fixed charges&#148; computation, &#147;other adjustments&#148; include capitalized interest costs and the interest
component of rental expense. </FONT></P></TD></TR></TABLE>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.1
<SEQUENCE>3
<FILENAME>d808273dex311.htm
<DESCRIPTION>EX-31.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-31.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">EXHIBIT 31.1 </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><U>CERTIFICATION </U></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">I, Kenneth I. Chenault, certify that: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">I have reviewed this quarterly report on Form 10-Q of American Express Company; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the
statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects
the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The registrant&#146;s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as
defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have: </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure
that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our
supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Evaluated the effectiveness of the registrant&#146;s disclosure controls and procedures and presented in this report our conclusions about the
effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(d)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Disclosed in this report any change in the registrant&#146;s internal control over financial reporting that occurred during the registrant&#146;s
most recent fiscal quarter (the registrant&#146;s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#146;s internal control over financial reporting; and
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The registrant&#146;s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial
reporting, to the registrant&#146;s auditors and the audit committee of the registrant&#146;s board of directors (or persons performing the equivalent functions): </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably
likely to adversely affect the registrant&#146;s ability to record, process, summarize and report financial information; and </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#146;s internal
control over financial reporting. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Date: October&nbsp;28, 2014 </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Kenneth I. Chenault</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Kenneth I. Chenault</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Chief Executive Officer</FONT></P></TD></TR>
</TABLE></DIV>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.2
<SEQUENCE>4
<FILENAME>d808273dex312.htm
<DESCRIPTION>EX-31.2
<TEXT>
<HTML><HEAD>
<TITLE>EX-31.2</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">EXHIBIT 31.2 </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><U>CERTIFICATION </U></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">I, Jeffrey C. Campbell, certify that: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">I have reviewed this quarterly report on Form 10-Q of American Express Company; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the
statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects
the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The registrant&#146;s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as
defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have: </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure
that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our
supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(c)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Evaluated the effectiveness of the registrant&#146;s disclosure controls and procedures and presented in this report our conclusions about the
effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(d)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Disclosed in this report any change in the registrant&#146;s internal control over financial reporting that occurred during the registrant&#146;s
most recent fiscal quarter (the registrant&#146;s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#146;s internal control over financial reporting; and
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The registrant&#146;s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial
reporting, to the registrant&#146;s auditors and the audit committee of the registrant&#146;s board of directors (or persons performing the equivalent functions): </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably
likely to adversely affect the registrant&#146;s ability to record, process, summarize and report financial information; and </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#146;s internal
control over financial reporting. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Date: October&nbsp;28, 2014 </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Jeffrey C. Campbell</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Jeffrey C. Campbell</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Chief Financial Officer</FONT></P></TD></TR>
</TABLE></DIV>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32.1
<SEQUENCE>5
<FILENAME>d808273dex321.htm
<DESCRIPTION>EX-32.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-32.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">EXHIBIT 32.1 </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">CERTIFICATION PURSUANT TO </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">18 U.S.C. SECTION 1350, </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">AS ADOPTED PURSUANT TO </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">In connection with the Quarterly
Report on Form 10-Q of American Express Company (the &#147;Company&#148;) for the quarterly period ended September&nbsp;30, 2014, as filed with the Securities and Exchange Commission on the date hereof (the &#147;Report&#148;), Kenneth I. Chenault,
as Chief Executive Officer of the Company, hereby certifies, pursuant to 18 U.S.C. Section&nbsp;1350, as adopted pursuant to Section&nbsp;906 of the Sarbanes-Oxley Act of 2002, that: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Report fully complies with the requirements of Section&nbsp;13(a) or 15(d) of the Securities Exchange Act of 1934; and
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Kenneth I. Chenault</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name: Kenneth I. Chenault</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title: Chief Executive Officer</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Date: October&nbsp;28, 2014</FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The foregoing certification is being furnished solely pursuant to 18 U.S.C. Section&nbsp;1350, as adopted
pursuant to Section&nbsp;906 of the Sarbanes-Oxley Act of 2002, and is not being &#147;filed&#148; as part of the Form 10-Q or as a separate disclosure document for purposes of Section&nbsp;18 of the Securities Exchange Act of 1934, as amended (the
&#147;Exchange Act&#148;), or otherwise subject to liability under that section. This certification shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act except to the
extent that this Exhibit 32.1 is expressly and specifically incorporated by reference in any such filing. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">A signed original
of this written statement required by Section&nbsp;906 has been provided to the Company and will be retained by the Company and furnished to the Securities and Exchange Commission or its staff upon request. </FONT></P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32.2
<SEQUENCE>6
<FILENAME>d808273dex322.htm
<DESCRIPTION>EX-32.2
<TEXT>
<HTML><HEAD>
<TITLE>EX-32.2</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">EXHIBIT 32.2 </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">CERTIFICATION PURSUANT TO </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">18 U.S.C. SECTION 1350, </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">AS ADOPTED PURSUANT TO </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">In connection with the Quarterly
Report on Form 10-Q of American Express Company (the &#147;Company&#148;) for the quarterly period ended September&nbsp;30, 2014, as filed with the Securities and Exchange Commission on the date hereof (the &#147;Report&#148;), Jeffrey C. Campbell,
as Chief Financial Officer of the Company, hereby certifies, pursuant to 18 U.S.C. Section&nbsp;1350, as adopted pursuant to Section&nbsp;906 of the Sarbanes-Oxley Act of 2002, that: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Report fully complies with the requirements of Section&nbsp;13(a) or 15(d) of the Securities Exchange Act of 1934; and
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2)</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Jeffrey C. Campbell</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name: Jeffrey C. Campbell</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title: Chief Financial Officer</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Date: October&nbsp;28, 2014</FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">The foregoing certification is being furnished solely pursuant to 18 U.S.C. Section&nbsp;1350, as adopted
pursuant to Section&nbsp;906 of the Sarbanes-Oxley Act of 2002, and is not being &#147;filed&#148; as part of the Form 10-Q or as a separate disclosure document for purposes of Section&nbsp;18 of the Securities Exchange Act of 1934, as amended (the
&#147;Exchange Act&#148;), or otherwise subject to liability under that section. This certification shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act except to the
extent that this Exhibit 32.2 is expressly and specifically incorporated by reference in any such filing. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="justify"><FONT STYLE="font-family:Times New Roman" SIZE="2">A signed original
of this written statement required by Section&nbsp;906 has been provided to the Company and will be retained by the Company and furnished to the Securities and Exchange Commission or its staff upon request. </FONT></P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.INS
<SEQUENCE>7
<FILENAME>axp-20140930.xml
<DESCRIPTION>XBRL INSTANCE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>
<!-- Prepared by IBM Cognos Disclosure Management XBRL Version: 10.2.3 -->
<!-- XBRL 2.1 & Dimensional Validation Status: Passed -->
<!-- XSD Content Model Validation Status: Passed -->
<!-- CDM/Internal Validation Status: Passed -->
<!-- EFM Validation Status: Passed -->
<!-- Formula Linkbase Validation Status: Not Performed -->
<xbrli:xbrl xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:axp="http://americanexpress.com/20140930" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:us-gaap="http://fasb.org/us-gaap/2013-01-31" xmlns:us-types="http://fasb.org/us-types/2013-01-31" xmlns:us-roles="http://fasb.org/us-roles/2013-01-31" xmlns:ref="http://www.xbrl.org/2006/ref" xmlns:negated="http://www.xbrl.org/2009/role/negated" xmlns:dei="http://xbrl.sec.gov/dei/2013-01-31" xsi:schemaLocation="http://americanexpress.com/20140930 axp-20140930.xsd http://www.xbrl.org/dtr/type/non-numeric http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd http://www.xbrl.org/dtr/type/numeric http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd http://fasb.org/us-gaap/2013-01-31 http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd http://fasb.org/us-types/2013-01-31 http://xbrl.fasb.org/us-gaap/2013/elts/us-types-2013-01-31.xsd http://fasb.org/us-roles/2013-01-31 http://xbrl.fasb.org/us-gaap/2013/elts/us-roles-2013-01-31.xsd http://www.xbrl.org/2006/ref http://www.xbrl.org/2006/ref-2006-02-27.xsd http://www.xbrl.org/2009/role/negated http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd http://xbrl.sec.gov/dei/2013-01-31 http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd">
  <link:schemaRef xlink:href="axp-20140930.xsd" xlink:type="simple"></link:schemaRef>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_axp_OpenTaxYearsAxis_axp_EarliestYearMember_us-gaap_IncomeTaxAuthorityAxis_us-gaap_InternalRevenueServiceIRSMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:IncomeTaxAuthorityAxis">us-gaap:InternalRevenueServiceIRSMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="axp:OpenTaxYearsAxis">axp:EarliestYearMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_axp_OpenTaxYearsAxis_axp_LatestYearMember_us-gaap_IncomeTaxAuthorityAxis_us-gaap_InternalRevenueServiceIRSMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:IncomeTaxAuthorityAxis">us-gaap:InternalRevenueServiceIRSMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="axp:OpenTaxYearsAxis">axp:LatestYearMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberLoansMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USTreasurySecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USTreasurySecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_NetInvestmentHedgingMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:NetInvestmentHedgingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis">axp:CardmemberReceivablesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementGeographicalAxis_axp_UnitedStatesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementGeographicalAxis">axp:UnitedStatesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:GlobalNetworkAndMerchantServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_axp_CreditValuationAdjustmentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">axp:CreditValuationAdjustmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedTranslationAdjustmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:InternationalCardServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_axp_ForeigncurrencytranslationadjustmentsmemberMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis">axp:ForeigncurrencytranslationadjustmentsmemberMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentAgenciesDebtSecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:USGovernmentAgenciesDebtSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_dei_LegalEntityAxis_axp_AmericanExpressChargeTrustMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis">axp:AmericanExpressChargeTrustMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:GlobalNetworkAndMerchantServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_OtherInvestmentSecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">axp:OtherInvestmentSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:InternationalCardServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:InternationalCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberLoansMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_EquitySecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:ForeignExchangeContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:NetInvestmentHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_us-gaap_StockOptionMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis">us-gaap:StockOptionMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberReceivablesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="axp:RatioOfFairValueToAmortizedCostAxis">axp:RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsNonrecurringMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberLoansMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_ForeignGovernmentDebtSecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:ForeignGovernmentDebtSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">us-gaap:CorporateAndOtherMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:InternationalCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberLoansMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:GlobalCommercialServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis">axp:CardmemberLoansMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="axp:RatioOfFairValueToAmortizedCostAxis">axp:RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel1Member">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_GuaranteeObligationsByNatureAxis_us-gaap_GuaranteeTypeOtherMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:GuaranteeObligationsByNatureAxis">us-gaap:GuaranteeTypeOtherMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:InternationalCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberLoansMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_CounterpartyNameAxis_axp_RiskExposureLowMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:CounterpartyNameAxis">axp:RiskExposureLowMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:InternationalCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberLoansMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Jun30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-06-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentAgenciesDebtSecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:USGovernmentAgenciesDebtSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:InternationalCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberLoansMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:VariableInterestEntitiesByClassificationOfEntityAxis">us-gaap:VariableInterestEntityPrimaryBeneficiaryMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:OtherExpenseMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:OtherExpenseMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementGeographicalAxis_axp_NonUnitedStatesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementGeographicalAxis">axp:NonUnitedStatesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel2Member">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel3Member">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_us-gaap_StockOptionMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis">us-gaap:StockOptionMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:ForeignExchangeContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:OtherExpenseMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:InternationalCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberReceivablesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedTranslationAdjustmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:GlobalNetworkAndMerchantServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:GlobalCommercialServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberReceivablesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:OtherExpenseMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:VariableInterestEntitiesByClassificationOfEntityAxis">us-gaap:VariableInterestEntityPrimaryBeneficiaryMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis">axp:CardmemberLoansMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="axp:RatioOfFairValueToAmortizedCostAxis">axp:RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USStatesAndPoliticalSubdivisionsMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:USStatesAndPoliticalSubdivisionsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CorporateDebtSecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:CorporateDebtSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_dei_LegalEntityAxis_axp_AmericanExpressLendingTrustMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis">axp:AmericanExpressLendingTrustMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherIncomeMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:OtherIncomeMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:TotalReturnSwapMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:GlobalCommercialServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberLoansMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberReceivablesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">us-gaap:CorporateAndOtherMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedTranslationAdjustmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:VariableInterestEntitiesByClassificationOfEntityAxis">us-gaap:VariableInterestEntityPrimaryBeneficiaryMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberReceivablesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:ForeignExchangeContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:NetInvestmentHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:OtherExpenseMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">us-gaap:CorporateAndOtherMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberLoansMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_axp_OtheritemsmemberMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis">axp:OtheritemsmemberMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USStatesAndPoliticalSubdivisionsMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:USStatesAndPoliticalSubdivisionsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CorporateDebtSecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:CorporateDebtSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_ForeignGovernmentDebtSecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:ForeignGovernmentDebtSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_ForeignGovernmentDebtSecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:ForeignGovernmentDebtSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:GlobalNetworkAndMerchantServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_FairValueHedgingMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:InternationalCardServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:GlobalCommercialServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CorporateDebtSecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:CorporateDebtSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:InternationalCardServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedTranslationAdjustmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="axp:RatioOfFairValueToAmortizedCostAxis">axp:RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_ForeignGovernmentDebtSecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:ForeignGovernmentDebtSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_NetInvestmentHedgingMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:NetInvestmentHedgingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel1Member">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel2Member">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherIncomeMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:OtherIncomeMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:TotalReturnSwapMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:VariableInterestEntitiesByClassificationOfEntityAxis">us-gaap:VariableInterestEntityPrimaryBeneficiaryMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Oct17_2014_Entity_0000004962">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-10-17</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_EquitySecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2012_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberReceivablesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementGeographicalAxis_axp_NonUnitedStatesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementGeographicalAxis">axp:NonUnitedStatesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis">axp:CardmemberReceivablesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel3Member">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Jun30_2014_Entity_0000004962">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-06-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:InternationalCardServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherIncomeMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:OtherIncomeMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:TotalReturnSwapMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentAgenciesDebtSecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:USGovernmentAgenciesDebtSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USStatesAndPoliticalSubdivisionsMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:USStatesAndPoliticalSubdivisionsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="axp:RatioOfFairValueToAmortizedCostAxis">axp:RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_CounterpartyNameAxis_axp_RiskExposureLowMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:CounterpartyNameAxis">axp:RiskExposureLowMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:ForeignExchangeContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberLoansMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USTreasurySecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:OtherExpenseMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_OtherInvestmentSecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">axp:OtherInvestmentSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:GlobalNetworkAndMerchantServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentAgenciesDebtSecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:USGovernmentAgenciesDebtSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_AvailabeForSaleSecuritiesOtherMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">axp:AvailabeForSaleSecuritiesOtherMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_GuaranteeObligationsByNatureAxis_us-gaap_GuaranteeTypeOtherMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:GuaranteeObligationsByNatureAxis">us-gaap:GuaranteeTypeOtherMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CorporateDebtSecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:CorporateDebtSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberReceivablesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberReceivablesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis">axp:CardmemberLoansMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_us-gaap_StockOptionMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis">us-gaap:StockOptionMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_DerivativeByNatureAxis_axp_NotSoldOrRepledgedMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeByNatureAxis">axp:NotSoldOrRepledgedMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberLoansMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2012_Entity_0000004962">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis">axp:CardmemberReceivablesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis">axp:CardmemberReceivablesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2013_Entity_0000004962">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember_us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_axp_IcbcMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis">axp:IcbcMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_GuaranteeObligationsByNatureAxis_axp_CardAndTravelOperationsMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:GuaranteeObligationsByNatureAxis">axp:CardAndTravelOperationsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:InternationalCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberReceivablesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberLoansMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsNonrecurringMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:GlobalCommercialServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberReceivablesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_axp_UnauthorizedtransactionsmemberMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis">axp:UnauthorizedtransactionsmemberMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_AvailabeForSaleSecuritiesOtherMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">axp:AvailabeForSaleSecuritiesOtherMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_dei_LegalEntityAxis_axp_AmericanExpressChargeTrustMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis">axp:AmericanExpressChargeTrustMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:InternationalCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberReceivablesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:GlobalCommercialServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_axp_AirlineMember_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:GlobalCommercialServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">axp:AirlineMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_axp_CreditBalancesAxis_axp_CardmemberCreditBalancesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="axp:CreditBalancesAxis">axp:CardmemberCreditBalancesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Jun30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedTranslationAdjustmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-06-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_axp_OtheritemsmemberMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis">axp:OtheritemsmemberMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:TotalReturnSwapMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_AvailabeForSaleSecuritiesOtherMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">axp:AvailabeForSaleSecuritiesOtherMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_GuaranteeObligationsByNatureAxis_axp_CardAndTravelOperationsMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:GuaranteeObligationsByNatureAxis">axp:CardAndTravelOperationsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:OtherExpenseMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberReceivablesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:ForeignExchangeContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:OtherExpenseMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:OtherExpenseMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:NetInvestmentHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:NetInvestmentHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:OtherExpenseMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:ForeignExchangeContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:NetInvestmentHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:ForeignExchangeContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:OtherExpenseMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Jun30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-06-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:InternationalCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberReceivablesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:GlobalCommercialServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberReceivablesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:VariableInterestEntitiesByClassificationOfEntityAxis">us-gaap:VariableInterestEntityPrimaryBeneficiaryMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedTranslationAdjustmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherIncomeMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:OtherIncomeMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:TotalReturnSwapMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:VariableInterestEntitiesByClassificationOfEntityAxis">us-gaap:VariableInterestEntityPrimaryBeneficiaryMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2012_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="axp:RatioOfFairValueToAmortizedCostAxis">axp:RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_dei_LegalEntityAxis_axp_AmericanExpressTravelRelatedServicesCompanyIncMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis">axp:AmericanExpressTravelRelatedServicesCompanyIncMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_axp_CreditBalancesAxis_axp_CardmemberCreditBalancesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="axp:CreditBalancesAxis">axp:CardmemberCreditBalancesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:USCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis">axp:CardmemberLoansMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Jun30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-06-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_OtherInvestmentSecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">axp:OtherInvestmentSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:TotalReturnSwapMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_FairValueHedgingMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_NetInvestmentHedgingMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:NetInvestmentHedgingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">us-gaap:CorporateAndOtherMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:GlobalCommercialServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_AvailabeForSaleSecuritiesOtherMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">axp:AvailabeForSaleSecuritiesOtherMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_axp_CostOfCardMemberServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:ForeignExchangeContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">axp:CostOfCardMemberServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_OtherInvestmentSecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">axp:OtherInvestmentSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:InternationalCardServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:ForeignExchangeContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:OtherExpenseMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_axp_CostOfCardMemberServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:ForeignExchangeContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">axp:CostOfCardMemberServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USStatesAndPoliticalSubdivisionsMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:USStatesAndPoliticalSubdivisionsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_CounterpartyNameAxis_axp_SignificantCounterpartiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:CounterpartyNameAxis">axp:SignificantCounterpartiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:GlobalCommercialServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:InternationalCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberLoansMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Jun30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-06-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_axp_AirlineMember_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:GlobalCommercialServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">axp:AirlineMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_EquitySecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:ForeignExchangeContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_CounterpartyNameAxis_axp_SignificantCounterpartiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:CounterpartyNameAxis">axp:SignificantCounterpartiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:NetInvestmentHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:NetInvestmentHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:OtherExpenseMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Jun30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-06-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Jun30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-06-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember_us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_axp_IcbcMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis">axp:IcbcMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_EquitySecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USTreasurySecuritiesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:MajorTypesOfDebtAndEquitySecuritiesAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:GlobalNetworkAndMerchantServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedTranslationAdjustmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_dei_LegalEntityAxis_axp_AmericanExpressLendingTrustMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis">axp:AmericanExpressLendingTrustMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_axp_ForeigncurrencytranslationadjustmentsmemberMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis">axp:ForeigncurrencytranslationadjustmentsmemberMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_axp_AirlineMember_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_axp_DeltaMember_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:GlobalCommercialServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">axp:AirlineMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis">axp:DeltaMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:NetInvestmentHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:NetInvestmentHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:OtherExpenseMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:ForeignExchangeContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Jun30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedTranslationAdjustmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-06-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2012_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedTranslationAdjustmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:ForeignExchangeContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_NetInvestmentHedgingMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:NetInvestmentHedgingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_axp_CreditValuationAdjustmentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">axp:CreditValuationAdjustmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:ForeignExchangeContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:NetInvestmentHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:TotalReturnSwapMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_us-gaap_StockOptionMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis">us-gaap:StockOptionMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:InternationalCardServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">axp:CardmemberLoansMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_axp_CostOfCardMemberServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:ForeignExchangeContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">axp:CostOfCardMemberServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_DerivativeByNatureAxis_axp_NotSoldOrRepledgedMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeByNatureAxis">axp:NotSoldOrRepledgedMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:TotalReturnSwapMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Dec31_2012_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:OtherExpenseMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-07-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_axp_CostOfCardMemberServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:ForeignExchangeContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">axp:CostOfCardMemberServicesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2014-01-01</xbrli:startDate>
      <xbrli:endDate>2014-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_axp_AirlineMember_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_axp_DeltaMember_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">axp:GlobalCommercialServicesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">axp:AirlineMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis">axp:DeltaMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedTranslationAdjustmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:NetInvestmentHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:NetInvestmentHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:OtherExpenseMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000004962</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateContractMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-09-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:unit id="USD">
    <xbrli:measure>iso4217:USD</xbrli:measure>
  </xbrli:unit>
  <xbrli:unit id="pure">
    <xbrli:measure>xbrli:pure</xbrli:measure>
  </xbrli:unit>
  <xbrli:unit id="shares">
    <xbrli:measure>xbrli:shares</xbrli:measure>
  </xbrli:unit>
  <xbrli:unit id="myAccount">
    <xbrli:measure>axp:Account</xbrli:measure>
  </xbrli:unit>
  <xbrli:unit id="USDPerShare">
    <xbrli:divide>
      <xbrli:unitNumerator>
        <xbrli:measure>iso4217:USD</xbrli:measure>
      </xbrli:unitNumerator>
      <xbrli:unitDenominator>
        <xbrli:measure>xbrli:shares</xbrli:measure>
      </xbrli:unitDenominator>
    </xbrli:divide>
  </xbrli:unit>
  <xbrli:unit id="myMonths">
    <xbrli:measure>axp:M</xbrli:measure>
  </xbrli:unit>
  <xbrli:unit id="mySecurities">
    <xbrli:measure>axp:securities</xbrli:measure>
  </xbrli:unit>
  <dei:EntityFilerCategory id="ID_0" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">Large Accelerated Filer</dei:EntityFilerCategory>
  <dei:EntityVoluntaryFilers id="ID_1" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">No</dei:EntityVoluntaryFilers>
  <dei:EntityCurrentReportingStatus id="ID_2" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">Yes</dei:EntityCurrentReportingStatus>
  <dei:EntityRegistrantName id="ID_3" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">AMERICAN EXPRESS COMPANY</dei:EntityRegistrantName>
  <dei:EntityCentralIndexKey id="ID_4" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">0000004962</dei:EntityCentralIndexKey>
  <dei:DocumentPeriodEndDate id="ID_5" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">2014-09-30</dei:DocumentPeriodEndDate>
  <dei:AmendmentFlag id="ID_6" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">false</dei:AmendmentFlag>
  <dei:DocumentFiscalYearFocus id="ID_7" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">2014</dei:DocumentFiscalYearFocus>
  <dei:CurrentFiscalYearEndDate id="ID_8" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">--12-31</dei:CurrentFiscalYearEndDate>
  <dei:EntityWellKnownSeasonedIssuer id="ID_9" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">Yes</dei:EntityWellKnownSeasonedIssuer>
  <dei:EntityCommonStockSharesOutstanding id="ID_10" contextRef="AS_OF_Oct17_2014_Entity_0000004962" unitRef="shares" decimals="INF">1034676513</dei:EntityCommonStockSharesOutstanding>
  <dei:DocumentFiscalPeriodFocus id="ID_11" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">Q3</dei:DocumentFiscalPeriodFocus>
  <us-gaap:AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits id="ID_12" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">12000000</us-gaap:AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits>
  <us-gaap:AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits id="ID_13" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">11000000</us-gaap:AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits>
  <axp:TravelCommissionsAndFees id="ID_14" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">104000000</axp:TravelCommissionsAndFees>
  <us-gaap:FeesAndCommissionsOther id="ID_15" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">642000000</us-gaap:FeesAndCommissionsOther>
  <us-gaap:NoninterestIncome id="ID_16" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">6934000000</us-gaap:NoninterestIncome>
  <us-gaap:InterestAndFeeIncomeLoansAndLeases id="ID_17" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1753000000</us-gaap:InterestAndFeeIncomeLoansAndLeases>
  <us-gaap:InterestAndDividendIncomeSecurities id="ID_18" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">45000000</us-gaap:InterestAndDividendIncomeSecurities>
  <us-gaap:InterestIncomeDepositsWithFinancialInstitutions id="ID_19" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">17000000</us-gaap:InterestIncomeDepositsWithFinancialInstitutions>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_20" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1815000000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestExpenseDeposits id="ID_21" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">91000000</us-gaap:InterestExpenseDeposits>
  <us-gaap:InterestExpense id="ID_22" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">420000000</us-gaap:InterestExpense>
  <us-gaap:InterestIncomeExpenseNet id="ID_23" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1395000000</us-gaap:InterestIncomeExpenseNet>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_24" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">8329000000</axp:TotalRevenuesNetOfInterestExpense>
  <us-gaap:ProvisionForLoanAndLeaseLosses id="ID_25" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">265000000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <us-gaap:ProvisionForOtherLosses id="ID_26" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">27000000</us-gaap:ProvisionForOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ID_27" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">488000000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <axp:TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses id="ID_28" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">7841000000</axp:TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses>
  <axp:MarketingPromotionRewardsAndCardmemberServices id="ID_29" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">2709000000</axp:MarketingPromotionRewardsAndCardmemberServices>
  <us-gaap:LaborAndRelatedExpense id="ID_30" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1290000000</us-gaap:LaborAndRelatedExpense>
  <us-gaap:OtherNoninterestExpense id="ID_31" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1596000000</us-gaap:OtherNoninterestExpense>
  <us-gaap:NoninterestExpense id="ID_32" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">5595000000</us-gaap:NoninterestExpense>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="ID_33" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">2246000000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:ProvisionForDoubtfulAccounts id="ID_34" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">196000000</us-gaap:ProvisionForDoubtfulAccounts>
  <axp:TravelCommissionsAndFees id="ID_35" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">490000000</axp:TravelCommissionsAndFees>
  <us-gaap:FeesAndCommissionsOther id="ID_36" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">610000000</us-gaap:FeesAndCommissionsOther>
  <us-gaap:NoninterestIncome id="ID_37" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">7018000000</us-gaap:NoninterestIncome>
  <us-gaap:InterestAndFeeIncomeLoansAndLeases id="ID_38" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">1698000000</us-gaap:InterestAndFeeIncomeLoansAndLeases>
  <us-gaap:InterestAndDividendIncomeSecurities id="ID_39" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">48000000</us-gaap:InterestAndDividendIncomeSecurities>
  <us-gaap:InterestIncomeDepositsWithFinancialInstitutions id="ID_40" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">21000000</us-gaap:InterestIncomeDepositsWithFinancialInstitutions>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_41" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">1767000000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestExpenseDeposits id="ID_42" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">111000000</us-gaap:InterestExpenseDeposits>
  <us-gaap:InterestExpense id="ID_43" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">484000000</us-gaap:InterestExpense>
  <us-gaap:InterestIncomeExpenseNet id="ID_44" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">1283000000</us-gaap:InterestIncomeExpenseNet>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_45" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">8301000000</axp:TotalRevenuesNetOfInterestExpense>
  <us-gaap:ProvisionForDoubtfulAccounts id="ID_46" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">159000000</us-gaap:ProvisionForDoubtfulAccounts>
  <us-gaap:ProvisionForLoanAndLeaseLosses id="ID_47" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">248000000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <us-gaap:ProvisionForOtherLosses id="ID_48" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">12000000</us-gaap:ProvisionForOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ID_49" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">419000000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <axp:TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses id="ID_50" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">7882000000</axp:TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses>
  <us-gaap:LaborAndRelatedExpense id="ID_51" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">1544000000</us-gaap:LaborAndRelatedExpense>
  <us-gaap:OtherNoninterestExpense id="ID_52" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">1691000000</us-gaap:OtherNoninterestExpense>
  <us-gaap:NoninterestExpense id="ID_53" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">5878000000</us-gaap:NoninterestExpense>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="ID_54" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">2004000000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeTaxExpenseBenefit id="ID_55" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">638000000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="ID_56" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">769000000</us-gaap:IncomeTaxExpenseBenefit>
  <axp:MarketingPromotionRewardsAndCardmemberServices id="ID_57" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">2643000000</axp:MarketingPromotionRewardsAndCardmemberServices>
  <us-gaap:NetIncomeLoss id="ID_58" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1477000000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="ID_59" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">1366000000</us-gaap:NetIncomeLoss>
  <axp:DiscountRevenue id="ID_60" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">4659000000</axp:DiscountRevenue>
  <axp:DiscountRevenue id="ID_61" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">4915000000</axp:DiscountRevenue>
  <us-gaap:InterestExpenseLongTermDebt id="ID_62" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">329000000</us-gaap:InterestExpenseLongTermDebt>
  <us-gaap:InterestExpenseLongTermDebt id="ID_63" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">373000000</us-gaap:InterestExpenseLongTermDebt>
  <us-gaap:FeesAndCommissionsCreditCards id="ID_64" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">680000000</us-gaap:FeesAndCommissionsCreditCards>
  <us-gaap:FeesAndCommissionsCreditCards id="ID_65" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">658000000</us-gaap:FeesAndCommissionsCreditCards>
  <us-gaap:NoninterestIncomeOtherOperatingIncome id="ID_66" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">593000000</us-gaap:NoninterestIncomeOtherOperatingIncome>
  <us-gaap:NoninterestIncomeOtherOperatingIncome id="ID_67" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">601000000</us-gaap:NoninterestIncomeOtherOperatingIncome>
  <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic id="ID_68" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="shares" decimals="-6">1041000000</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
  <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic id="ID_69" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="shares" decimals="-6">1074000000</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
  <us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding id="ID_70" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="shares" decimals="-6">1081000000</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
  <us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding id="ID_71" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="shares" decimals="-6">1047000000</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
  <us-gaap:IncomeLossFromContinuingOperationsPerBasicShare id="ID_72" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USDPerShare" decimals="2">1.41</us-gaap:IncomeLossFromContinuingOperationsPerBasicShare>
  <us-gaap:IncomeLossFromContinuingOperationsPerBasicShare id="ID_73" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USDPerShare" decimals="2">1.26</us-gaap:IncomeLossFromContinuingOperationsPerBasicShare>
  <us-gaap:IncomeLossFromContinuingOperationsPerDilutedShare id="ID_74" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USDPerShare" decimals="2">1.25</us-gaap:IncomeLossFromContinuingOperationsPerDilutedShare>
  <us-gaap:CommonStockDividendsPerShareDeclared id="ID_75" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USDPerShare" decimals="2">0.26</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:CommonStockDividendsPerShareDeclared id="ID_76" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USDPerShare" decimals="2">0.23</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits id="ID_77" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">35000000</us-gaap:AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits>
  <us-gaap:AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits id="ID_78" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">36000000</us-gaap:AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits>
  <axp:DiscountRevenue id="ID_79" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">14506000000</axp:DiscountRevenue>
  <axp:TravelCommissionsAndFees id="ID_80" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1027000000</axp:TravelCommissionsAndFees>
  <us-gaap:FeesAndCommissionsOther id="ID_81" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1884000000</us-gaap:FeesAndCommissionsOther>
  <us-gaap:NoninterestIncome id="ID_82" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">21137000000</us-gaap:NoninterestIncome>
  <us-gaap:InterestAndFeeIncomeLoansAndLeases id="ID_83" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">5160000000</us-gaap:InterestAndFeeIncomeLoansAndLeases>
  <us-gaap:InterestAndDividendIncomeSecurities id="ID_84" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">136000000</us-gaap:InterestAndDividendIncomeSecurities>
  <us-gaap:InterestIncomeDepositsWithFinancialInstitutions id="ID_85" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">54000000</us-gaap:InterestIncomeDepositsWithFinancialInstitutions>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_86" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">5350000000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestExpenseDeposits id="ID_87" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">276000000</us-gaap:InterestExpenseDeposits>
  <us-gaap:InterestExpense id="ID_88" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1302000000</us-gaap:InterestExpense>
  <us-gaap:InterestIncomeExpenseNet id="ID_89" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">4048000000</us-gaap:InterestIncomeExpenseNet>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_90" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">25185000000</axp:TotalRevenuesNetOfInterestExpense>
  <us-gaap:ProvisionForDoubtfulAccounts id="ID_91" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">594000000</us-gaap:ProvisionForDoubtfulAccounts>
  <us-gaap:ProvisionForLoanAndLeaseLosses id="ID_92" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">797000000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <us-gaap:ProvisionForOtherLosses id="ID_93" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">71000000</us-gaap:ProvisionForOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ID_94" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1462000000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <axp:TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses id="ID_95" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">23723000000</axp:TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses>
  <axp:MarketingPromotionRewardsAndCardmemberServices id="ID_96" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">8076000000</axp:MarketingPromotionRewardsAndCardmemberServices>
  <us-gaap:LaborAndRelatedExpense id="ID_97" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">4488000000</us-gaap:LaborAndRelatedExpense>
  <us-gaap:OtherNoninterestExpense id="ID_98" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">4393000000</us-gaap:OtherNoninterestExpense>
  <us-gaap:NoninterestExpense id="ID_99" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">16957000000</us-gaap:NoninterestExpense>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="ID_100" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">6766000000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeTaxExpenseBenefit id="ID_101" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">2328000000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="ID_102" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">1857000000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="ID_103" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">5908000000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:NoninterestExpense id="ID_104" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">17166000000</us-gaap:NoninterestExpense>
  <us-gaap:OtherNoninterestExpense id="ID_105" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">4911000000</us-gaap:OtherNoninterestExpense>
  <us-gaap:LaborAndRelatedExpense id="ID_106" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">4702000000</us-gaap:LaborAndRelatedExpense>
  <axp:MarketingPromotionRewardsAndCardmemberServices id="ID_107" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">7553000000</axp:MarketingPromotionRewardsAndCardmemberServices>
  <axp:TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses id="ID_108" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">23074000000</axp:TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ID_109" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">1353000000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForOtherLosses id="ID_110" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">54000000</us-gaap:ProvisionForOtherLosses>
  <us-gaap:ProvisionForLoanAndLeaseLosses id="ID_111" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">825000000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <us-gaap:ProvisionForDoubtfulAccounts id="ID_112" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">474000000</us-gaap:ProvisionForDoubtfulAccounts>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_113" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">24427000000</axp:TotalRevenuesNetOfInterestExpense>
  <us-gaap:InterestIncomeExpenseNet id="ID_114" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">3728000000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestExpense id="ID_115" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">1495000000</us-gaap:InterestExpense>
  <us-gaap:InterestExpenseDeposits id="ID_116" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">332000000</us-gaap:InterestExpenseDeposits>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_117" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">5223000000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestIncomeDepositsWithFinancialInstitutions id="ID_118" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">67000000</us-gaap:InterestIncomeDepositsWithFinancialInstitutions>
  <us-gaap:InterestAndDividendIncomeSecurities id="ID_119" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">153000000</us-gaap:InterestAndDividendIncomeSecurities>
  <us-gaap:InterestAndFeeIncomeLoansAndLeases id="ID_120" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">5003000000</us-gaap:InterestAndFeeIncomeLoansAndLeases>
  <us-gaap:NoninterestIncome id="ID_121" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">20699000000</us-gaap:NoninterestIncome>
  <us-gaap:FeesAndCommissionsOther id="ID_122" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">1788000000</us-gaap:FeesAndCommissionsOther>
  <axp:TravelCommissionsAndFees id="ID_123" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">1422000000</axp:TravelCommissionsAndFees>
  <axp:DiscountRevenue id="ID_124" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">13826000000</axp:DiscountRevenue>
  <us-gaap:NetIncomeLoss id="ID_125" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">4438000000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="ID_126" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">4051000000</us-gaap:NetIncomeLoss>
  <us-gaap:InterestExpenseLongTermDebt id="ID_127" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1026000000</us-gaap:InterestExpenseLongTermDebt>
  <us-gaap:FeesAndCommissionsCreditCards id="ID_128" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">2041000000</us-gaap:FeesAndCommissionsCreditCards>
  <us-gaap:FeesAndCommissionsCreditCards id="ID_129" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">1958000000</us-gaap:FeesAndCommissionsCreditCards>
  <us-gaap:InterestExpenseLongTermDebt id="ID_130" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">1163000000</us-gaap:InterestExpenseLongTermDebt>
  <us-gaap:NoninterestIncomeOtherOperatingIncome id="ID_131" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1679000000</us-gaap:NoninterestIncomeOtherOperatingIncome>
  <us-gaap:NoninterestIncomeOtherOperatingIncome id="ID_132" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">1705000000</us-gaap:NoninterestIncomeOtherOperatingIncome>
  <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic id="ID_133" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="shares" decimals="-6">1051000000</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
  <us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding id="ID_134" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="shares" decimals="-6">1057000000</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
  <us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding id="ID_135" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="shares" decimals="-6">1094000000</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
  <us-gaap:CommonStockDividendsPerShareDeclared id="ID_136" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USDPerShare" decimals="2">0.66</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:IncomeLossFromContinuingOperationsPerBasicShare id="ID_137" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USDPerShare" decimals="2">4.19</us-gaap:IncomeLossFromContinuingOperationsPerBasicShare>
  <us-gaap:IncomeLossFromContinuingOperationsPerBasicShare id="ID_138" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USDPerShare" decimals="2">3.69</us-gaap:IncomeLossFromContinuingOperationsPerBasicShare>
  <us-gaap:IncomeLossFromContinuingOperationsPerDilutedShare id="ID_139" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USDPerShare" decimals="2">4.17</us-gaap:IncomeLossFromContinuingOperationsPerDilutedShare>
  <us-gaap:IncomeLossFromContinuingOperationsPerDilutedShare id="ID_140" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USDPerShare" decimals="2">3.67</us-gaap:IncomeLossFromContinuingOperationsPerDilutedShare>
  <us-gaap:CommonStockDividendsPerShareDeclared id="ID_141" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USDPerShare" decimals="2">0.75</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:OtherComprehensiveIncomeLossNetOfTax id="ID_142" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">-412000000</us-gaap:OtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent id="ID_143" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">-60000000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent id="ID_144" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">-210000000</us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent id="ID_145" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">-262000000</us-gaap:OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent>
  <us-gaap:ComprehensiveIncomeNetOfTax id="ID_146" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">3639000000</us-gaap:ComprehensiveIncomeNetOfTax>
  <us-gaap:ComprehensiveIncomeNetOfTax id="ID_147" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">4322000000</us-gaap:ComprehensiveIncomeNetOfTax>
  <us-gaap:OtherComprehensiveIncomeLossNetOfTax id="ID_148" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-116000000</us-gaap:OtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent id="ID_149" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">31000000</us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent id="ID_150" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-48000000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent id="ID_151" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-195000000</us-gaap:OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent id="ID_152" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-11000000</us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent id="ID_153" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">-48000000</us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent id="ID_154" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-167000000</us-gaap:OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent id="ID_155" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">11000000</us-gaap:OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent id="ID_156" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-7000000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent id="ID_157" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">-6000000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeLossNetOfTax id="ID_158" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-171000000</us-gaap:OtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:OtherComprehensiveIncomeLossNetOfTax id="ID_159" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">-31000000</us-gaap:OtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:ComprehensiveIncomeNetOfTax id="ID_160" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1306000000</us-gaap:ComprehensiveIncomeNetOfTax>
  <us-gaap:ComprehensiveIncomeNetOfTax id="ID_161" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">1335000000</us-gaap:ComprehensiveIncomeNetOfTax>
  <us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax id="ID_162" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-5000000</us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax>
  <us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax id="ID_163" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">-30000000</us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax>
  <us-gaap:OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax id="ID_164" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">119000000</us-gaap:OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax>
  <us-gaap:OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax id="ID_165" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">-48000000</us-gaap:OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax>
  <us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax id="ID_166" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">9000000</us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax>
  <us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax id="ID_167" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">6000000</us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax>
  <us-gaap:CashAndDueFromBanks id="ID_168" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">2212000000</us-gaap:CashAndDueFromBanks>
  <us-gaap:CashAndDueFromBanks id="ID_169" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">2300000000</us-gaap:CashAndDueFromBanks>
  <us-gaap:InterestBearingDepositsInBanks id="ID_170" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">18772000000</us-gaap:InterestBearingDepositsInBanks>
  <us-gaap:InterestBearingDepositsInBanks id="ID_171" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">16776000000</us-gaap:InterestBearingDepositsInBanks>
  <us-gaap:CashEquivalentsAtCarryingValue id="ID_172" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">192000000</us-gaap:CashEquivalentsAtCarryingValue>
  <us-gaap:CashEquivalentsAtCarryingValue id="ID_173" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">498000000</us-gaap:CashEquivalentsAtCarryingValue>
  <us-gaap:LoansAndLeasesReceivableNetReportedAmountOther id="ID_174" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">855000000</us-gaap:LoansAndLeasesReceivableNetReportedAmountOther>
  <us-gaap:LoansAndLeasesReceivableNetReportedAmountOther id="ID_175" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">608000000</us-gaap:LoansAndLeasesReceivableNetReportedAmountOther>
  <us-gaap:AvailableForSaleSecurities id="ID_176" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">4750000000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="ID_177" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">5016000000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:PropertyPlantAndEquipmentNet id="ID_178" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">3921000000</us-gaap:PropertyPlantAndEquipmentNet>
  <us-gaap:PropertyPlantAndEquipmentNet id="ID_179" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">3875000000</us-gaap:PropertyPlantAndEquipmentNet>
  <us-gaap:OtherAssets id="ID_180" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">10845000000</us-gaap:OtherAssets>
  <us-gaap:OtherAssets id="ID_181" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">11228000000</us-gaap:OtherAssets>
  <us-gaap:Assets id="ID_182" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">153862000000</us-gaap:Assets>
  <us-gaap:Assets id="ID_183" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">153375000000</us-gaap:Assets>
  <us-gaap:Deposits id="ID_184" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">42703000000</us-gaap:Deposits>
  <us-gaap:Deposits id="ID_185" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">41763000000</us-gaap:Deposits>
  <axp:TravelersChequesOutstanding id="ID_186" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">3539000000</axp:TravelersChequesOutstanding>
  <axp:TravelersChequesOutstanding id="ID_187" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">4240000000</axp:TravelersChequesOutstanding>
  <us-gaap:AccountsPayableCurrentAndNoncurrent id="ID_188" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">11510000000</us-gaap:AccountsPayableCurrentAndNoncurrent>
  <us-gaap:AccountsPayableCurrentAndNoncurrent id="ID_189" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">10615000000</us-gaap:AccountsPayableCurrentAndNoncurrent>
  <us-gaap:LongTermDebt id="ID_190" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">55712000000</us-gaap:LongTermDebt>
  <us-gaap:LongTermDebt id="ID_191" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">55330000000</us-gaap:LongTermDebt>
  <us-gaap:OtherLiabilities id="ID_192" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">16800000000</us-gaap:OtherLiabilities>
  <us-gaap:OtherLiabilities id="ID_193" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">16910000000</us-gaap:OtherLiabilities>
  <us-gaap:Liabilities id="ID_194" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">133646000000</us-gaap:Liabilities>
  <us-gaap:Liabilities id="ID_195" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">133879000000</us-gaap:Liabilities>
  <us-gaap:CommonStockValue id="ID_196" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">207000000</us-gaap:CommonStockValue>
  <us-gaap:CommonStockValue id="ID_197" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">213000000</us-gaap:CommonStockValue>
  <us-gaap:AdditionalPaidInCapital id="ID_198" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">12216000000</us-gaap:AdditionalPaidInCapital>
  <us-gaap:AdditionalPaidInCapital id="ID_199" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">12202000000</us-gaap:AdditionalPaidInCapital>
  <us-gaap:RetainedEarningsAccumulatedDeficit id="ID_200" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">9335000000</us-gaap:RetainedEarningsAccumulatedDeficit>
  <us-gaap:RetainedEarningsAccumulatedDeficit id="ID_201" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">8507000000</us-gaap:RetainedEarningsAccumulatedDeficit>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_202" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-1542000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_203" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">-1426000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:StockholdersEquity id="ID_204" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">20216000000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="ID_205" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">19496000000</us-gaap:StockholdersEquity>
  <us-gaap:LiabilitiesAndStockholdersEquity id="ID_206" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">153862000000</us-gaap:LiabilitiesAndStockholdersEquity>
  <us-gaap:LiabilitiesAndStockholdersEquity id="ID_207" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">153375000000</us-gaap:LiabilitiesAndStockholdersEquity>
  <us-gaap:CashCashEquivalentsAndFederalFundsSold id="ID_208" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">19486000000</us-gaap:CashCashEquivalentsAndFederalFundsSold>
  <us-gaap:SecuritiesPurchasedUnderAgreementsToResell id="ID_209" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">232000000</us-gaap:SecuritiesPurchasedUnderAgreementsToResell>
  <us-gaap:SecuritiesPurchasedUnderAgreementsToResell id="ID_210" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">143000000</us-gaap:SecuritiesPurchasedUnderAgreementsToResell>
  <us-gaap:AllowanceForDoubtfulAccountsReceivable id="ID_211" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">432000000</us-gaap:AllowanceForDoubtfulAccountsReceivable>
  <us-gaap:AllowanceForDoubtfulAccountsReceivable id="ID_212" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">386000000</us-gaap:AllowanceForDoubtfulAccountsReceivable>
  <axp:OtherReceivablesReserves id="ID_213" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">44000000</axp:OtherReceivablesReserves>
  <axp:OtherReceivablesReserves id="ID_214" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">71000000</axp:OtherReceivablesReserves>
  <us-gaap:LoansAndLeasesReceivableOtherAllowance id="ID_215" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">11000000</us-gaap:LoansAndLeasesReceivableOtherAllowance>
  <us-gaap:LoansAndLeasesReceivableOtherAllowance id="ID_216" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">13000000</us-gaap:LoansAndLeasesReceivableOtherAllowance>
  <us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment id="ID_217" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">6327000000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
  <us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment id="ID_218" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">5978000000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
  <us-gaap:CommonStockSharesIssued id="ID_219" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="shares" decimals="-6">1035000000</us-gaap:CommonStockSharesIssued>
  <us-gaap:CommonStockSharesOutstanding id="ID_220" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="shares" decimals="-6">1035000000</us-gaap:CommonStockSharesOutstanding>
  <us-gaap:CommonStockSharesOutstanding id="ID_221" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="shares" decimals="-6">1064000000</us-gaap:CommonStockSharesOutstanding>
  <us-gaap:CommonStockSharesIssued id="ID_222" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="shares" decimals="-6">1064000000</us-gaap:CommonStockSharesIssued>
  <axp:AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax id="ID_223" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-485000000</axp:AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax>
  <axp:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansTax id="ID_224" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-148000000</axp:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansTax>
  <axp:AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax id="ID_225" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">-526000000</axp:AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax>
  <axp:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansTax id="ID_226" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">-177000000</axp:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansTax>
  <us-gaap:OtherReceivables id="ID_227" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">2631000000</us-gaap:OtherReceivables>
  <us-gaap:OtherReceivables id="ID_228" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">3408000000</us-gaap:OtherReceivables>
  <us-gaap:NotesReceivableGross id="ID_229" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" unitRef="USD" decimals="-6">6253000000</us-gaap:NotesReceivableGross>
  <us-gaap:NotesReceivableGross id="ID_230" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" unitRef="USD" decimals="-6">7329000000</us-gaap:NotesReceivableGross>
  <axp:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax id="ID_231" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">52000000</axp:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax>
  <axp:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax id="ID_232" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">33000000</axp:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax>
  <us-gaap:LoansAndLeasesReceivableConsumerRevolvingCreditCard id="ID_233" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" unitRef="USD" decimals="-6">31245000000</us-gaap:LoansAndLeasesReceivableConsumerRevolvingCreditCard>
  <us-gaap:AccountsReceivableNet id="ID_234" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">44685000000</us-gaap:AccountsReceivableNet>
  <us-gaap:AccountsReceivableNet id="ID_235" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">43777000000</us-gaap:AccountsReceivableNet>
  <us-gaap:LoansAndLeasesReceivableNetReportedAmount id="ID_236" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">65977000000</us-gaap:LoansAndLeasesReceivableNetReportedAmount>
  <us-gaap:LoansAndLeasesReceivableNetReportedAmount id="ID_237" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">64911000000</us-gaap:LoansAndLeasesReceivableNetReportedAmount>
  <us-gaap:LongTermDebt id="ID_238" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" unitRef="USD" decimals="-6">18690000000</us-gaap:LongTermDebt>
  <us-gaap:LongTermDebt id="ID_239" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" unitRef="USD" decimals="-6">15501000000</us-gaap:LongTermDebt>
  <us-gaap:LoansAndLeasesReceivableConsumerRevolvingCreditCard id="ID_240" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" unitRef="USD" decimals="-6">28310000000</us-gaap:LoansAndLeasesReceivableConsumerRevolvingCreditCard>
  <us-gaap:RestrictedCashAndCashEquivalents id="ID_241" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" unitRef="USD" decimals="-6">58000000</us-gaap:RestrictedCashAndCashEquivalents>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax id="ID_242" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">94000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax id="ID_243" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-1285000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax id="ID_244" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">351000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax id="ID_245" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">63000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax id="ID_246" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">-1090000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax id="ID_247" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">399000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax>
  <us-gaap:LoansAndLeasesReceivableAllowance id="ID_248" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1146000000</us-gaap:LoansAndLeasesReceivableAllowance>
  <us-gaap:LoansAndLeasesReceivableAllowance id="ID_249" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">1261000000</us-gaap:LoansAndLeasesReceivableAllowance>
  <us-gaap:CashCashEquivalentsAndFederalFundsSold id="ID_250" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">21264000000</us-gaap:CashCashEquivalentsAndFederalFundsSold>
  <us-gaap:CommonStockParOrStatedValuePerShare id="ID_251" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USDPerShare" decimals="2">0.2</us-gaap:CommonStockParOrStatedValuePerShare>
  <us-gaap:CommonStockParOrStatedValuePerShare id="ID_252" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USDPerShare" decimals="2">0.2</us-gaap:CommonStockParOrStatedValuePerShare>
  <us-gaap:CommonStockSharesAuthorized id="ID_253" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="shares" decimals="-8">3600000000</us-gaap:CommonStockSharesAuthorized>
  <us-gaap:CommonStockSharesAuthorized id="ID_254" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="shares" decimals="-8">3600000000</us-gaap:CommonStockSharesAuthorized>
  <us-gaap:ShortTermBorrowings id="ID_255" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">3382000000</us-gaap:ShortTermBorrowings>
  <us-gaap:ShortTermBorrowings id="ID_256" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">5021000000</us-gaap:ShortTermBorrowings>
  <us-gaap:ShortTermBorrowings id="ID_257" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" unitRef="USD" decimals="-6">2000000000</us-gaap:ShortTermBorrowings>
  <us-gaap:ShortTermBorrowings id="ID_258" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" unitRef="USD" decimals="-6">0</us-gaap:ShortTermBorrowings>
  <us-gaap:RestrictedCashAndCashEquivalents id="ID_259" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" unitRef="USD" decimals="-6">44000000</us-gaap:RestrictedCashAndCashEquivalents>
  <us-gaap:DepreciationAmortizationAndAccretionNet id="ID_260" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">764000000</us-gaap:DepreciationAmortizationAndAccretionNet>
  <us-gaap:DepreciationAmortizationAndAccretionNet id="ID_261" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">763000000</us-gaap:DepreciationAmortizationAndAccretionNet>
  <us-gaap:ShareBasedCompensation id="ID_262" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">275000000</us-gaap:ShareBasedCompensation>
  <us-gaap:IncreaseDecreaseInOtherReceivables id="ID_263" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-275000000</us-gaap:IncreaseDecreaseInOtherReceivables>
  <us-gaap:IncreaseDecreaseInOtherReceivables id="ID_264" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">38000000</us-gaap:IncreaseDecreaseInOtherReceivables>
  <us-gaap:IncreaseDecreaseInOtherOperatingAssets id="ID_265" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-850000000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
  <us-gaap:IncreaseDecreaseInOtherOperatingAssets id="ID_266" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">-1432000000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
  <us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities id="ID_267" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">122000000</us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities id="ID_268" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">175000000</us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities id="ID_269" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">966000000</us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities id="ID_270" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">856000000</us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities>
  <us-gaap:PaymentsToAcquireInvestments id="ID_271" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">825000000</us-gaap:PaymentsToAcquireInvestments>
  <us-gaap:PaymentsToAcquireInvestments id="ID_272" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">873000000</us-gaap:PaymentsToAcquireInvestments>
  <us-gaap:PaymentsForProceedsFromLoansAndLeases id="ID_273" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">2349000000</us-gaap:PaymentsForProceedsFromLoansAndLeases>
  <us-gaap:PaymentsForProceedsFromLoansAndLeases id="ID_274" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">791000000</us-gaap:PaymentsForProceedsFromLoansAndLeases>
  <us-gaap:PaymentsToAcquirePropertyPlantAndEquipment id="ID_275" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">854000000</us-gaap:PaymentsToAcquirePropertyPlantAndEquipment>
  <us-gaap:PaymentsToAcquirePropertyPlantAndEquipment id="ID_276" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">635000000</us-gaap:PaymentsToAcquirePropertyPlantAndEquipment>
  <us-gaap:PaymentsForProceedsFromBusinessesAndInterestInAffiliates id="ID_277" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">130000000</us-gaap:PaymentsForProceedsFromBusinessesAndInterestInAffiliates>
  <us-gaap:PaymentsForProceedsFromBusinessesAndInterestInAffiliates id="ID_278" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">170000000</us-gaap:PaymentsForProceedsFromBusinessesAndInterestInAffiliates>
  <us-gaap:IncreaseDecreaseInRestrictedCash id="ID_279" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-90000000</us-gaap:IncreaseDecreaseInRestrictedCash>
  <us-gaap:IncreaseDecreaseInRestrictedCash id="ID_280" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">29000000</us-gaap:IncreaseDecreaseInRestrictedCash>
  <us-gaap:IncreaseDecreaseInDeposits id="ID_281" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">917000000</us-gaap:IncreaseDecreaseInDeposits>
  <us-gaap:IncreaseDecreaseInDeposits id="ID_282" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">2303000000</us-gaap:IncreaseDecreaseInDeposits>
  <us-gaap:ProceedsFromRepaymentsOfShortTermDebt id="ID_283" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-1595000000</us-gaap:ProceedsFromRepaymentsOfShortTermDebt>
  <us-gaap:ProceedsFromRepaymentsOfShortTermDebt id="ID_284" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">51000000</us-gaap:ProceedsFromRepaymentsOfShortTermDebt>
  <us-gaap:ProceedsFromIssuanceOfLongTermDebt id="ID_285" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">11329000000</us-gaap:ProceedsFromIssuanceOfLongTermDebt>
  <us-gaap:ProceedsFromIssuanceOfLongTermDebt id="ID_286" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">7887000000</us-gaap:ProceedsFromIssuanceOfLongTermDebt>
  <us-gaap:RepaymentsOfLongTermDebt id="ID_287" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">10659000000</us-gaap:RepaymentsOfLongTermDebt>
  <us-gaap:RepaymentsOfLongTermDebt id="ID_288" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">13492000000</us-gaap:RepaymentsOfLongTermDebt>
  <us-gaap:ProceedsFromIssuanceOfCommonStock id="ID_289" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">552000000</us-gaap:ProceedsFromIssuanceOfCommonStock>
  <us-gaap:ProceedsFromIssuanceOfCommonStock id="ID_290" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">251000000</us-gaap:ProceedsFromIssuanceOfCommonStock>
  <us-gaap:PaymentsOfDividends id="ID_291" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">770000000</us-gaap:PaymentsOfDividends>
  <us-gaap:PaymentsOfDividends id="ID_292" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">693000000</us-gaap:PaymentsOfDividends>
  <us-gaap:EffectOfExchangeRateOnCashAndCashEquivalents id="ID_293" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-96000000</us-gaap:EffectOfExchangeRateOnCashAndCashEquivalents>
  <us-gaap:EffectOfExchangeRateOnCashAndCashEquivalents id="ID_294" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">-108000000</us-gaap:EffectOfExchangeRateOnCashAndCashEquivalents>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease id="ID_295" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1778000000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease id="ID_296" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">36000000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashCashEquivalentsAndFederalFundsSold id="ID_297" contextRef="AS_OF_Dec31_2012_Entity_0000004962" unitRef="USD" decimals="-6">22250000000</us-gaap:CashCashEquivalentsAndFederalFundsSold>
  <us-gaap:IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities id="ID_298" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1793000000</us-gaap:IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities>
  <us-gaap:IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities id="ID_299" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">981000000</us-gaap:IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities>
  <us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment id="ID_300" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">3000000</us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment>
  <us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment id="ID_301" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">74000000</us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment>
  <axp:DeferredTaxesAndOther id="ID_302" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">-111000000</axp:DeferredTaxesAndOther>
  <us-gaap:CashCashEquivalentsAndFederalFundsSold id="ID_303" contextRef="AS_OF_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">22286000000</us-gaap:CashCashEquivalentsAndFederalFundsSold>
  <us-gaap:PaymentsForRepurchaseOfCommonStock id="ID_304" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">3205000000</us-gaap:PaymentsForRepurchaseOfCommonStock>
  <us-gaap:PaymentsForRepurchaseOfCommonStock id="ID_305" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">3200000000</us-gaap:PaymentsForRepurchaseOfCommonStock>
  <axp:IncreaseDecreaseInTravelersChequesOutstanding id="ID_306" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-709000000</axp:IncreaseDecreaseInTravelersChequesOutstanding>
  <axp:IncreaseDecreaseInTravelersChequesOutstanding id="ID_307" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">-503000000</axp:IncreaseDecreaseInTravelersChequesOutstanding>
  <us-gaap:NetCashProvidedByUsedInInvestingActivitiesContinuingOperations id="ID_308" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">-1467000000</us-gaap:NetCashProvidedByUsedInInvestingActivitiesContinuingOperations>
  <us-gaap:NetCashProvidedByUsedInInvestingActivitiesContinuingOperations id="ID_309" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-2980000000</us-gaap:NetCashProvidedByUsedInInvestingActivitiesContinuingOperations>
  <us-gaap:NetCashProvidedByUsedInOperatingActivitiesContinuingOperations id="ID_310" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">8203000000</us-gaap:NetCashProvidedByUsedInOperatingActivitiesContinuingOperations>
  <us-gaap:NetCashProvidedByUsedInOperatingActivitiesContinuingOperations id="ID_311" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">8586000000</us-gaap:NetCashProvidedByUsedInOperatingActivitiesContinuingOperations>
  <us-gaap:NetCashProvidedByUsedInFinancingActivitiesContinuingOperations id="ID_312" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-3732000000</us-gaap:NetCashProvidedByUsedInFinancingActivitiesContinuingOperations>
  <us-gaap:NetCashProvidedByUsedInFinancingActivitiesContinuingOperations id="ID_313" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">-6592000000</us-gaap:NetCashProvidedByUsedInFinancingActivitiesContinuingOperations>
  <us-gaap:ShareBasedCompensation id="ID_314" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">210000000</us-gaap:ShareBasedCompensation>
  <axp:DeferredTaxesAndOther id="ID_315" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-497000000</axp:DeferredTaxesAndOther>
  <us-gaap:EquityMethodInvestmentOwnershipPercentage id="ID_316" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="pure" decimals="2">0.5</us-gaap:EquityMethodInvestmentOwnershipPercentage>
  <us-gaap:EquityMethodInvestmentsFairValueDisclosure id="ID_317" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">900000000</us-gaap:EquityMethodInvestmentsFairValueDisclosure>
  <axp:CashInvestedByThirdPartyInJointVenture id="ID_318" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">900000000</axp:CashInvestedByThirdPartyInJointVenture>
  <axp:EquityMethodInvestmentOwnershipHeldByThirdParty id="ID_319" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="pure" decimals="2">0.5</axp:EquityMethodInvestmentOwnershipHeldByThirdParty>
  <axp:DeconsolidationGainOrLossAmountAfterTax id="ID_320" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">409000000</axp:DeconsolidationGainOrLossAmountAfterTax>
  <axp:LoansAndReceivablesImpairedTroubledDebtRestructuringAmountOverNinetyDaysAccrualOfInterest id="ID_321" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">26000000</axp:LoansAndReceivablesImpairedTroubledDebtRestructuringAmountOverNinetyDaysAccrualOfInterest>
  <axp:GrossReceivablesAvailableToSettleObligationsOfConsolidatedVariableInterestEntity id="ID_322" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" unitRef="USD" decimals="-8">7300000000</axp:GrossReceivablesAvailableToSettleObligationsOfConsolidatedVariableInterestEntity>
  <us-gaap:NotesReceivableGross id="ID_323" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementGeographicalAxis_axp_NonUnitedStatesMember" unitRef="USD" decimals="-8">13500000000</us-gaap:NotesReceivableGross>
  <us-gaap:NotesReceivableGross id="ID_324" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementGeographicalAxis_axp_NonUnitedStatesMember" unitRef="USD" decimals="-8">13800000000</us-gaap:NotesReceivableGross>
  <axp:LoansAndReceivablesImpairedTroubledDebtRestructuringAmountNonAccrualStatus id="ID_325" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">87000000</axp:LoansAndReceivablesImpairedTroubledDebtRestructuringAmountNonAccrualStatus>
  <axp:LoansAndReceivablesImpairedTroubledDebtRestructuringAmountOverNinetyDaysAccrualOfInterest id="ID_326" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">20000000</axp:LoansAndReceivablesImpairedTroubledDebtRestructuringAmountOverNinetyDaysAccrualOfInterest>
  <axp:LoansAndReceivablesImpairedTroubledDebtRestructuringAmountNonAccrualStatus id="ID_327" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">92000000</axp:LoansAndReceivablesImpairedTroubledDebtRestructuringAmountNonAccrualStatus>
  <axp:GrossLoansAvailableToSettleObligationsOfConsolidatedVariableInterestEntity id="ID_328" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" unitRef="USD" decimals="-8">31200000000</axp:GrossLoansAvailableToSettleObligationsOfConsolidatedVariableInterestEntity>
  <axp:GrossLoansAvailableToSettleObligationsOfConsolidatedVariableInterestEntity id="ID_329" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" unitRef="USD" decimals="-8">28300000000</axp:GrossLoansAvailableToSettleObligationsOfConsolidatedVariableInterestEntity>
  <axp:GrossReceivablesAvailableToSettleObligationsOfConsolidatedVariableInterestEntity id="ID_330" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" unitRef="USD" decimals="-8">6300000000</axp:GrossReceivablesAvailableToSettleObligationsOfConsolidatedVariableInterestEntity>
  <us-gaap:NotesReceivableGross id="ID_331" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_axp_AirlineMember_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">672000000</us-gaap:NotesReceivableGross>
  <us-gaap:NotesReceivableGross id="ID_332" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_axp_AirlineMember_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_axp_DeltaMember_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">642000000</us-gaap:NotesReceivableGross>
  <us-gaap:NotesReceivableGross id="ID_333" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_axp_AirlineMember_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">836000000</us-gaap:NotesReceivableGross>
  <us-gaap:NotesReceivableGross id="ID_334" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_axp_AirlineMember_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_axp_DeltaMember_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">628000000</us-gaap:NotesReceivableGross>
  <axp:FinancingReceivableModificationsDifferencePreAndPostModificationRecordedInvestment id="ID_335" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">4000000</axp:FinancingReceivableModificationsDifferencePreAndPostModificationRecordedInvestment>
  <us-gaap:FinanceLoansAndLeasesReceivablePolicy id="ID_336" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:9pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;T&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;he Company&amp;#8217;s charge and lending payment card products result in the generation of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; receivables and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; loans, respectively. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;For information on the Company&amp;#8217;s&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; accounts receivable and loans and the related&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; accounting policies, refer to &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Note 4 on pages 7&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &amp;#8211; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;76&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; of the Annual Report.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' &gt;Impaired Card Member Loans and R&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' &gt;eceivables&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;Impaired loans and receivables are &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;individual larger balance or homogeneous pools of smaller balance loans and r&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;eceivables for which it is probable that the Company will be unable to collect all amounts due according to the original contractual terms of the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;Card Member agreement. For&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; information on impaired Ca&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;rd Member loans and receivables and the related &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;accounting policies&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, refer &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;to &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;Note 4 on &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;pages 7&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;4 &amp;#8211; 76 &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;of the Annual Report.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:FinanceLoansAndLeasesReceivablePolicy>
  <us-gaap:FinancingReceivablesTextBlock id="ID_337" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-16.55pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' &gt;3&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' &gt;.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' &gt;Accounts &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' &gt;Receivable&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' &gt; and Loans&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:9pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;T&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;he Company&amp;#8217;s charge and lending payment card products result in the generation of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; receivables and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; loans, respectively. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;For information on the Company&amp;#8217;s&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; accounts receivable and loans and the related&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; accounting policies, refer to &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Note 4 on pages 7&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &amp;#8211; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;76&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; of the Annual Report.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;Accounts receivable &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;by segment &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; consisted of&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;U.S. Card Services&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;21,253&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;21,842&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;International Card Services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;7,273&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;7,771&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Global Commercial Services&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;16,440&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;14,391&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Global Network&amp;#160;&amp;amp; Merchant Services&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;151&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;159&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card Member receivables&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(d)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;45,117&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;44,163&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Less: Reserve for losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;432&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;386&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card Member receivables, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;44,685&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;43,777&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Other receivables, net&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(e)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:15.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2,631&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;3,408&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Includes &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;6.3&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; b&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;illion and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;7.3&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;billion of gross &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; receivables available to settle obligations of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;a &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;consolidated &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;variable interest entity (VIE) as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, respectively.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Includes&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;672&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; m&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;illion and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;836&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million due from airlines, of which Delta Air Lines (Delta) comprises &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;642&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;628&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and December &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, respectively.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Includes receivables primarily related to the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Company&amp;#8217;s International Currency Card portfolios.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Includes approximately &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;13.5&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; billion&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;13.8&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; billion&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; receivables&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; outside the U.S. as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, respectively&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Other receivables primarily &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;represent amounts&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; related to (&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;i&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;) certain merchants for billed discount revenue and&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(ii) &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Global Network Services (&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;GNS&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; partner banks for items such as royalty and franchise fees&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;. Additionally, for &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; only, the balance also included purchased GNS &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;joint venture receivables. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Other rec&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;eivables are presented net of reserves for losses of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;44&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;71&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, respectively.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;Loans as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; consisted of:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:336.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:336.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:336.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;U.S. Card Services&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;58,012&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;58,395&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:336.75pt;text-align:left;border-color:Black;min-width:336.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;International Card Services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;7,999&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;8,790&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:336.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Global Commercial Services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;53&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:336.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:336.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card Member loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;66,057&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;67,238&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:336.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Less: Reserve for losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,146&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,261&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:336.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card Member loans, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;64,911&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;65,977&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:336.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:336.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Other loans, net&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;855&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;608&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:0pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;I&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;ncludes approximately $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;28.3&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;billion &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;and $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;31.2&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;billion &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;of gross &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; loans&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; available&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;to settle obligations &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;o&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;f &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;a &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;consolidated &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;VIE&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, respectively&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Other loans primarily represent &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;loans to merchants and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;a store card &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;loan &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;portfolio&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; Other loans &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;are&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;presented net of reserves for losses of $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;13&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;as of&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, respectively&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:left;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' &gt; Loans and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' &gt; Receivables A&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' &gt;ging&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;Generally&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; a &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; account &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;is considered&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; past due if payment is not received within 30 days af&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ter the billing statement date. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;T&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;he &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;following table presents the aging of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; loans and receivables as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;30-59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;60-89&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;90+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Past&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Past&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Past&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Current&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Due&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Due&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Due&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Card Member Loans:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;  U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;57,447 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;175 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;121 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;269 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;58,012 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;  International Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;7,869 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;41 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;29 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;60 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;7,999 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Card Member Receivables:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;  U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;20,907 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;125 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;74 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;147 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;21,253 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;  International Card Services&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;7,174 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;30 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;22 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;47 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;7,273 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;  Global Commercial Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;125 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;16,440 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;30-59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;60-89&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;90+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Past&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Past&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Past&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Current&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Due&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Due&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Due&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Card Member Loans:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;  U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;57,772 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;183 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;134 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;306 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;58,395 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;  International Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;8,664 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;43 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;28 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;55 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;8,790 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Card Member Receivables:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;  U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;21,488 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;125 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;69 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;160 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;21,842 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;  International Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;83 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;7,771 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;  Global Commercial Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;132 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;14,391 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Beginning in first quarter &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, as a result of system enhancements, delinquency data &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;is now available and presented on a prospective basis for the indicated aging categories. Comparable data for prior periods is not available. F&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;or &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;risk management purposes, the Company has historically utilized 90 days past billing for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;International Card Services (ICS) &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;segment, as described below in (b). &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Delinquency data&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; for periods &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;other than&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; 90 days past billing &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;is&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; not available due to system&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;constraints. Therefore, such data has &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;not been utilized for risk management purposes. The balances that are current to 89 days past due can be derived as the difference between the Total and the 90+ Days Past Due balances. For Card Member receivables in &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;GC&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;S&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;and ICS and GCS as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, delinquency data is tracked based on days past billing status rather than days past due. A Card Member account is considered 90 days past billing if payment has not been received within &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;90 days of the Card Member&amp;#8217;s billing statement date. In addition, if the Company initiates collection procedures on an account prior to the account becoming 90 days past billing, the associated Card Member receivable balance is &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;classified&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; as 90 days past b&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;illing. These amounts are shown above as 90+ Days Past Due for presentation purposes. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' &gt;Credit Quality Indicators for &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' &gt;Card Member &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' &gt;Loans and Receivables&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;s&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; prese&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;nt&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; the key credit quality indicators &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;as of or &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:124.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:165pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:165pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:165pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:165pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Net Write-Off Rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Net Write-Off Rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;30 Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;30 Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Principal,&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Past Due&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Principal,&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Past Due&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Principal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Interest, &amp;amp;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;as a % of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Principal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Interest, &amp;amp;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; as a % of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:124.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Only&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Fees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Only&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Fees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:124.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Card Member Loans:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   U.S. Card Services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;1.6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;1.8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;1.0&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;1.9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;2.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;1.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   International Card Services&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2.0&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2.4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;1.6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;1.9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;2.3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;1.5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Card Member Receivables:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   U.S. Card Services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;1.7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;1.9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;1.6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;1.8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;1.9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;1.7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:124.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   International Card Services&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2.0&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;1.4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:124.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:124.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:17.25pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Net Loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Net Loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Ratio as&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;90 Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Ratio as&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;90 Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;a % of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Past Billing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;a % of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Past Billing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Charge&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;as a % of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Charge&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;as a % of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:124.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Volume&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Volume&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:242.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:242.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Card Member Receivables:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:252.75pt;text-align:left;border-color:Black;min-width:252.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   International Card Services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;0.20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;1.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:252.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:252.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   Global Commercial Services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;0.09&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;0.8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;0.07&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;0.8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;The Company presents a net write-off rate based&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; on principal losses only (i.e.,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; excluding interest and/or fees) to be consistent with industry convention. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;In addition, because the Company considers &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;uncollectible interest and/or fees &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;in estimating &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;its &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;reserves &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;for &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;credit &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;losses, a net write-off rate including principal, interest and/or fees is also presented.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Beginning in&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, write-offs for certain installment loan products have been reclassified from C&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;ard &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;M&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;ember r&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;eceivable&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;s&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; to C&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;ard &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;M&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;ember&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;loans&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; P&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;rior period write-offs have not been reclassified. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Historically,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; net loss ratio as a % of charge volume and 90 days past billings as a % of receivables were presented. Beginning in first quarter&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;as a result of system enhancements, 30 days past d&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;ue as a % of total, Net write-off rate (principal only) and Net write-off rate (principal and fees) have been presented. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;Refer to&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; Note &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;5 on pages &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;77 &amp;#8211; 78 &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;of the Annual Report&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; for additional indicators&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, including external environmental &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;qualitative &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;factors,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; management considers &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;in its &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;evaluation process for reserves for losses.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' &gt;Impaired Card Member Loans and R&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' &gt;eceivables&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;Impaired loans and receivables are &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;individual larger balance or homogeneous pools of smaller balance loans and r&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;eceivables for which it is probable that the Company will be unable to collect all amounts due according to the original contractual terms of the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;Card Member agreement. For&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; information on impaired Ca&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;rd Member loans and receivables and the related &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;accounting policies&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, refer &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;to &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;Note 4 on &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;pages 7&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;4 &amp;#8211; 76 &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;of the Annual Report.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; provide&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;s&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; additional information with respect to the Company&amp;#8217;s impaired &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; loans&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, which are not significant for GCS,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;receivables&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;which are not significant for ICS and GCS,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; as of&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;December 31,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Loans over&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:108.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:108.75pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;90 Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Loans &amp;amp;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:108.75pt;text-align:center;border-color:Black;min-width:108.75pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Past Due&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Non-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Impaired&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Unpaid&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;amp; Accruing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Accrual&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Modified&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Loans &amp;amp;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Principal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Allowance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Interest&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;as a TDR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(d)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;for TDRs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(e)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Card Member Loans:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 160 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 188 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 309 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 657 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 594 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 70 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   International Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 60 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 60 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 59 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Card Member Receivables:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 44 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 44 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 43 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 32 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 220 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 188 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 353 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 761 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 696 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 102 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Loans over&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:108.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:108.75pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;90 Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Loans &amp;amp;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:108.75pt;text-align:center;border-color:Black;min-width:108.75pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Past Due&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Non-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Impaired&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Unpaid&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;amp; Accruing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Accrual&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Modified&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Loans &amp;amp;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Principal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Allowance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Interest&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;as a TDR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(d)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;for TDRs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(e)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Card Member Loans:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 170 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 244 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 373 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 787 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 731 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 84 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   International Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 54 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 4 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 5 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 63 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 62 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Card Member Receivables:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 50 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 50 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 49 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 38 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 224 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 248 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 428 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 900 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 842 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 122 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;The Company&amp;#8217;s policy is generally to accrue inte&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;rest through the date of write&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;-off (&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;i.e., &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;at 180 days past due). The Company establishes reserves for interest that the Company believes will not be collected.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; Amounts presented exclude loans modified as a &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;troubled debt restructuring (TDR).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Non-accrual loans not in modification programs include certain &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; loans placed with outside collection agencies for which the Company has ceased accruing interest.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Total loans and receivables modified as a TDR in&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;clude&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;s&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;87&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; million and $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;92&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; million that are non-accrual and $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;20&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; million &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;and $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;26&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; million &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;that are past due 90 days and still accruing interest as of&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, respectively&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;.  &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Unpaid pri&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;ncipal balance consists of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; charges billed and excludes other amounts charged directly by the Company such as interest and fees. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Represents the reserve for losses for TDRs, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;which are evaluated individually&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; for impairment.  The Company records a&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; reserve for losses for all impaired loans. Refer to &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Card Member Loans Evaluated Individually&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; and Collectively for Impairment in Note &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;4 &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;for further &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;information regarding &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; the reserve for losses on loans over 90 days past due and accruing interest and non-a&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;ccrual loans, which are evaluated collectively for impairment. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Calibri;font-size:11pt;margin-left:0pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; provide&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;s&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; information with respect to the Company&amp;#8217;s &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;interest income recognized and average balances of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;impaired &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; loans&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, which are not significant for GCS,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;receivables&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, which are not significant for ICS and GCS,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;for the three and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:154.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:154.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:154.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:154.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:154.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:154.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30, 2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:154.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:154.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30, 2014&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Interest Income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Interest Income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Recognized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Recognized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Balance&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Card Member Loans:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;   U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 12 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 675 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 37 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 734 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;   International Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 4 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 63 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 12 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 63 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Card Member Receivables:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;   U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 44 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 47 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 16 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 782 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 49 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 844 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:154.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:154.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:154.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:154.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:154.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:154.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30, 2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:154.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:154.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30, 2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Interest Income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Interest Income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Recognized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Recognized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Balance&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Card Member Loans:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;   U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 11 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 859 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 34 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 982 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;   International Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 4 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 66 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 12 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 68 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Card Member Receivables:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;   U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 62 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 89 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 15 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 987 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 46 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 1,139 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;' &gt; Loans and Receivables Modified as TDRs&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table provides additional information with respect to the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;U.S. Card Services (USCS) &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; loans and receivables modified as TDRs&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;for&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;three and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;. The ICS and GCS Card Member loans and receivables modifications were not&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; significan&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;t.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; For information on TDRs and the related accounting policies, refer to Note 4 on pages 74 &amp;#8211; 76&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; of the Annual Report&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='8' rowspan='1' style='width:181.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='8' rowspan='1' style='width:181.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='8' rowspan='1' style='width:181.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;September 30, 2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='8' rowspan='1' style='width:181.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;September 30, 2014&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Average &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Payment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Payment&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Number of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Outstanding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Interest Rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Term&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Number of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Outstanding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Interest Rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Term&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Balances&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(a)(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Reduction&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Extension&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Balances&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(a)(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Reduction&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Extension&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(in thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;($ in millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(% Points)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(# of Months)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(in thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;($ in millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(% Points)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(# of Months)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;Troubled Debt Restructurings:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Card Member Loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Card Member Receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;124&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;390&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='8' rowspan='1' style='width:181.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='8' rowspan='1' style='width:181.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='8' rowspan='1' style='width:181.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;September 30, 2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='8' rowspan='1' style='width:181.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;September 30, 2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Payment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Payment&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Number of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Outstanding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Interest Rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Term&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Number of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Outstanding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Interest Rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Term&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Balances&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(a)(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Reduction&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Extension&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Balances&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(a)(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Reduction&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Extension&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(in thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;($ in millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(% Points)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(# of Months)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(in thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;($ in millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(% Points)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(# of Months)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;Troubled Debt Restructurings:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Card Member Loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;12 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;91&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;357&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Card Member Receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;4 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;204&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;16 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;140&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;63&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;561&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Represents the outstanding balance immediately prior to modification. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Modifications did not reduce the aggregate principal balances except for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, where aggregate principal balances were reduced by &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;4&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; million. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;The outstanding balance includes principal, fees and accrued interest on Card Member loans and principal and fees on Card Member receivables.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;For Card Member loans, there have been no payment term extensions. The Company does not offer interest rate reduct&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;ion programs for Card Member receivables as the receivables are non-interest &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;bearing. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table provides information &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;three and nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;with respect to the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;USCS Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; loans and receivables modified as TDRs &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;that subsequently defaulted&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; w&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ithin 12 months of modification.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;A&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;is considered to have been in default from a modification program after one and up to two consecutive missed payments, depending on the terms of the modification program&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; For all Card Members that defaulted from a modification program, the probability of default is factored into the reserves for Card Member loans and receivables. The defaulted ICS Card Member loan and receivable modifications were not significant.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:111pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:111pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:111pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:111pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:111pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:111pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30, 2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:111pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:111pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30, 2014&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Aggregated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Aggregated&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Outstanding &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Outstanding &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Number of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Balances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Number of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Balances&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' &gt;(Accounts in thousands, Dollars in millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Upon Default&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Upon Default&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;Troubled Debt Restructurings That Subsequently Defaulted:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Card Member Loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Card Member Receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:111pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:111pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:111pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:111pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:111pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:111pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30, 2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:111pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:111pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30, 2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Aggregated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Aggregated&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Outstanding &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Outstanding &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Number of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Balances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Number of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Balances&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' &gt;(Accounts in thousands, Dollars in millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Upon Default&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Upon Default&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;Troubled Debt Restructurings That Subsequently Defaulted:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Card Member Loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;138&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Card Member Receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;45&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;171&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;The outstanding balance include&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;s principal&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, fees &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;and accrued interest&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; on Card Member &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;l&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;oans and principal and fees on Card Member &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;r&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;eceivables.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;</us-gaap:FinancingReceivablesTextBlock>
  <us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock id="ID_338" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;Accounts receivable &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;by segment &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; consisted of&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;U.S. Card Services&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;21,253&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;21,842&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;International Card Services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;7,273&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;7,771&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Global Commercial Services&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;16,440&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;14,391&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Global Network&amp;#160;&amp;amp; Merchant Services&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;151&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;159&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card Member receivables&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(d)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;45,117&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;44,163&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Less: Reserve for losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;432&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;386&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card Member receivables, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;44,685&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;43,777&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Other receivables, net&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(e)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:15.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2,631&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;3,408&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Includes &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;6.3&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; b&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;illion and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;7.3&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;billion of gross &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; receivables available to settle obligations of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;a &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;consolidated &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;variable interest entity (VIE) as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, respectively.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Includes&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;672&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; m&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;illion and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;836&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million due from airlines, of which Delta Air Lines (Delta) comprises &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;642&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;628&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and December &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, respectively.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Includes receivables primarily related to the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Company&amp;#8217;s International Currency Card portfolios.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Includes approximately &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;13.5&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; billion&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;13.8&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; billion&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; receivables&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; outside the U.S. as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, respectively&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Other receivables primarily &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;represent amounts&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; related to (&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;i&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;) certain merchants for billed discount revenue and&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(ii) &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Global Network Services (&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;GNS&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; partner banks for items such as royalty and franchise fees&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;. Additionally, for &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; only, the balance also included purchased GNS &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;joint venture receivables. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Other rec&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;eivables are presented net of reserves for losses of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;44&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;71&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, respectively.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock>
  <us-gaap:NotesReceivableGross id="ID_339" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">45117000000</us-gaap:NotesReceivableGross>
  <us-gaap:NotesReceivableGross id="ID_340" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">44163000000</us-gaap:NotesReceivableGross>
  <us-gaap:NotesReceivableGross id="ID_341" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">21842000000</us-gaap:NotesReceivableGross>
  <us-gaap:NotesReceivableGross id="ID_342" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">21253000000</us-gaap:NotesReceivableGross>
  <us-gaap:NotesReceivableGross id="ID_343" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">7771000000</us-gaap:NotesReceivableGross>
  <us-gaap:NotesReceivableGross id="ID_344" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">7273000000</us-gaap:NotesReceivableGross>
  <us-gaap:NotesReceivableGross id="ID_345" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">14391000000</us-gaap:NotesReceivableGross>
  <us-gaap:NotesReceivableGross id="ID_346" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">16440000000</us-gaap:NotesReceivableGross>
  <us-gaap:NotesReceivableGross id="ID_347" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember" unitRef="USD" decimals="-6">151000000</us-gaap:NotesReceivableGross>
  <us-gaap:NotesReceivableGross id="ID_348" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember" unitRef="USD" decimals="-6">159000000</us-gaap:NotesReceivableGross>
  <axp:ScheduleOfLoansAndFinancingReceivableTableTextBlock id="ID_349" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;Loans as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; consisted of:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:336.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:336.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:336.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;U.S. Card Services&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;58,012&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;58,395&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:336.75pt;text-align:left;border-color:Black;min-width:336.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;International Card Services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;7,999&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;8,790&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:336.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Global Commercial Services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;53&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:336.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:336.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card Member loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;66,057&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;67,238&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:336.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Less: Reserve for losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,146&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,261&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:336.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card Member loans, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;64,911&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;65,977&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:336.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:336.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Other loans, net&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;855&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;608&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:0pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;I&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;ncludes approximately $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;28.3&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;billion &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;and $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;31.2&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;billion &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;of gross &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; loans&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; available&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;to settle obligations &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;o&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;f &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;a &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;consolidated &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;VIE&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, respectively&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Other loans primarily represent &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;loans to merchants and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;a store card &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;loan &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;portfolio&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; Other loans &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;are&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;presented net of reserves for losses of $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;13&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;as of&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, respectively&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:left;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;</axp:ScheduleOfLoansAndFinancingReceivableTableTextBlock>
  <us-gaap:LoansAndLeasesReceivableConsumerRevolvingCreditCard id="ID_350" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">58395000000</us-gaap:LoansAndLeasesReceivableConsumerRevolvingCreditCard>
  <us-gaap:LoansAndLeasesReceivableConsumerRevolvingCreditCard id="ID_351" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">8790000000</us-gaap:LoansAndLeasesReceivableConsumerRevolvingCreditCard>
  <us-gaap:LoansAndLeasesReceivableConsumerRevolvingCreditCard id="ID_352" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">53000000</us-gaap:LoansAndLeasesReceivableConsumerRevolvingCreditCard>
  <us-gaap:LoansAndLeasesReceivableConsumerRevolvingCreditCard id="ID_353" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">67238000000</us-gaap:LoansAndLeasesReceivableConsumerRevolvingCreditCard>
  <us-gaap:LoansAndLeasesReceivableConsumerRevolvingCreditCard id="ID_354" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">58012000000</us-gaap:LoansAndLeasesReceivableConsumerRevolvingCreditCard>
  <us-gaap:LoansAndLeasesReceivableConsumerRevolvingCreditCard id="ID_355" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">66057000000</us-gaap:LoansAndLeasesReceivableConsumerRevolvingCreditCard>
  <us-gaap:LoansAndLeasesReceivableConsumerRevolvingCreditCard id="ID_356" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">7999000000</us-gaap:LoansAndLeasesReceivableConsumerRevolvingCreditCard>
  <us-gaap:LoansAndLeasesReceivableConsumerRevolvingCreditCard id="ID_357" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">46000000</us-gaap:LoansAndLeasesReceivableConsumerRevolvingCreditCard>
  <axp:CurrentAndPastDueFinancingReceivablesTableTextBlock id="ID_358" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;T&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;he &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;following table presents the aging of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; loans and receivables as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;30-59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;60-89&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;90+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Past&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Past&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Past&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Current&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Due&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Due&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Due&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Card Member Loans:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;  U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;57,447 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;175 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;121 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;269 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;58,012 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;  International Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;7,869 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;41 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;29 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;60 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;7,999 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Card Member Receivables:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;  U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;20,907 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;125 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;74 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;147 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;21,253 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;  International Card Services&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;7,174 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;30 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;22 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;47 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;7,273 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;  Global Commercial Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;125 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;16,440 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;30-59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;60-89&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;90+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Past&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Past&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Past&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Current&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Due&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Due&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Due&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Card Member Loans:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;  U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;57,772 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;183 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;134 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;306 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;58,395 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;  International Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;8,664 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;43 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;28 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;55 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;8,790 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Card Member Receivables:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;  U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;21,488 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;125 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;69 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;160 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;21,842 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;  International Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;83 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;7,771 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:180pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:180pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;  Global Commercial Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;132 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;14,391 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Beginning in first quarter &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, as a result of system enhancements, delinquency data &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;is now available and presented on a prospective basis for the indicated aging categories. Comparable data for prior periods is not available. F&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;or &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;risk management purposes, the Company has historically utilized 90 days past billing for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;International Card Services (ICS) &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;segment, as described below in (b). &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Delinquency data&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; for periods &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;other than&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; 90 days past billing &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;is&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; not available due to system&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;constraints. Therefore, such data has &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;not been utilized for risk management purposes. The balances that are current to 89 days past due can be derived as the difference between the Total and the 90+ Days Past Due balances. For Card Member receivables in &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;GC&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;S&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;and ICS and GCS as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, delinquency data is tracked based on days past billing status rather than days past due. A Card Member account is considered 90 days past billing if payment has not been received within &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;90 days of the Card Member&amp;#8217;s billing statement date. In addition, if the Company initiates collection procedures on an account prior to the account becoming 90 days past billing, the associated Card Member receivable balance is &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;classified&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; as 90 days past b&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;illing. These amounts are shown above as 90+ Days Past Due for presentation purposes. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;</axp:CurrentAndPastDueFinancingReceivablesTableTextBlock>
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue id="ID_359" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">175000000</us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue id="ID_360" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">269000000</us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue>
  <axp:FinancingReceivableRecordedInvestmentsCurrent id="ID_361" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">57447000000</axp:FinancingReceivableRecordedInvestmentsCurrent>
  <axp:FinancingReceivableRecordedInvestmentCurrentAndPastDue id="ID_362" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">58012000000</axp:FinancingReceivableRecordedInvestmentCurrentAndPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue id="ID_363" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">121000000</us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue id="ID_364" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">41000000</us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue id="ID_365" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">60000000</us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue>
  <axp:FinancingReceivableRecordedInvestmentCurrentAndPastDue id="ID_366" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">7999000000</axp:FinancingReceivableRecordedInvestmentCurrentAndPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue id="ID_367" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">29000000</us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue>
  <axp:FinancingReceivableRecordedInvestmentsCurrent id="ID_368" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">7869000000</axp:FinancingReceivableRecordedInvestmentsCurrent>
  <us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue id="ID_369" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">147000000</us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue id="ID_370" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">125000000</us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue id="ID_371" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">74000000</us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue>
  <axp:FinancingReceivableRecordedInvestmentsCurrent id="ID_372" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">20907000000</axp:FinancingReceivableRecordedInvestmentsCurrent>
  <axp:FinancingReceivableRecordedInvestmentCurrentAndPastDue id="ID_373" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">21253000000</axp:FinancingReceivableRecordedInvestmentCurrentAndPastDue>
  <us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue id="ID_374" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">47000000</us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue>
  <axp:FinancingReceivableRecordedInvestmentCurrentAndPastDue id="ID_375" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">7273000000</axp:FinancingReceivableRecordedInvestmentCurrentAndPastDue>
  <us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue id="ID_376" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">125000000</us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue>
  <axp:FinancingReceivableRecordedInvestmentCurrentAndPastDue id="ID_377" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">16440000000</axp:FinancingReceivableRecordedInvestmentCurrentAndPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue id="ID_378" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">183000000</us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue>
  <axp:FinancingReceivableRecordedInvestmentCurrentAndPastDue id="ID_379" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">58395000000</axp:FinancingReceivableRecordedInvestmentCurrentAndPastDue>
  <axp:FinancingReceivableRecordedInvestmentsCurrent id="ID_380" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">57772000000</axp:FinancingReceivableRecordedInvestmentsCurrent>
  <us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue id="ID_381" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">134000000</us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue id="ID_382" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">306000000</us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue id="ID_383" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">28000000</us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue>
  <axp:FinancingReceivableRecordedInvestmentCurrentAndPastDue id="ID_384" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">8790000000</axp:FinancingReceivableRecordedInvestmentCurrentAndPastDue>
  <us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue id="ID_385" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">55000000</us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue>
  <axp:FinancingReceivableRecordedInvestmentsCurrent id="ID_386" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">8664000000</axp:FinancingReceivableRecordedInvestmentsCurrent>
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue id="ID_387" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">43000000</us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue id="ID_388" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">69000000</us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue>
  <axp:FinancingReceivableRecordedInvestmentsCurrent id="ID_389" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">21488000000</axp:FinancingReceivableRecordedInvestmentsCurrent>
  <us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue id="ID_390" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">160000000</us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue id="ID_391" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">125000000</us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue>
  <axp:FinancingReceivableRecordedInvestmentCurrentAndPastDue id="ID_392" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">21842000000</axp:FinancingReceivableRecordedInvestmentCurrentAndPastDue>
  <us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue id="ID_393" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">83000000</us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue>
  <axp:FinancingReceivableRecordedInvestmentCurrentAndPastDue id="ID_394" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">7771000000</axp:FinancingReceivableRecordedInvestmentCurrentAndPastDue>
  <us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue id="ID_395" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">132000000</us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue>
  <axp:FinancingReceivableRecordedInvestmentCurrentAndPastDue id="ID_396" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">14391000000</axp:FinancingReceivableRecordedInvestmentCurrentAndPastDue>
  <axp:FinancingReceivableRecordedInvestmentsCurrent id="ID_397" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">7174000000</axp:FinancingReceivableRecordedInvestmentsCurrent>
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue id="ID_398" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">30000000</us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue id="ID_399" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">22000000</us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue>
  <us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock id="ID_400" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;s&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; prese&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;nt&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; the key credit quality indicators &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;as of or &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:124.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:165pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:165pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:165pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:165pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Net Write-Off Rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Net Write-Off Rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;30 Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;30 Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Principal,&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Past Due&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Principal,&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Past Due&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Principal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Interest, &amp;amp;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;as a % of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Principal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Interest, &amp;amp;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; as a % of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:124.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Only&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Fees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Only&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Fees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:124.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Card Member Loans:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   U.S. Card Services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;1.6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;1.8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;1.0&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;1.9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;2.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;1.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   International Card Services&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2.0&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2.4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;1.6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;1.9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;2.3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;1.5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Card Member Receivables:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   U.S. Card Services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;1.7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;1.9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;1.6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;1.8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;1.9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;1.7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:124.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   International Card Services&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2.0&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;1.4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:124.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:124.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:17.25pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Net Loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Net Loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Ratio as&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;90 Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Ratio as&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;90 Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;a % of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Past Billing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;a % of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Past Billing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Charge&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;as a % of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Charge&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;as a % of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:124.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:124.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Volume&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Volume&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:242.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:242.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Card Member Receivables:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:252.75pt;text-align:left;border-color:Black;min-width:252.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   International Card Services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;0.20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;1.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:252.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:252.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   Global Commercial Services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;0.09&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;0.8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;0.07&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:48pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;0.8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;The Company presents a net write-off rate based&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; on principal losses only (i.e.,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; excluding interest and/or fees) to be consistent with industry convention. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;In addition, because the Company considers &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;uncollectible interest and/or fees &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;in estimating &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;its &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;reserves &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;for &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;credit &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;losses, a net write-off rate including principal, interest and/or fees is also presented.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Beginning in&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, write-offs for certain installment loan products have been reclassified from C&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;ard &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;M&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;ember r&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;eceivable&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;s&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; to C&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;ard &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;M&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;ember&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;loans&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; P&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;rior period write-offs have not been reclassified. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Historically,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; net loss ratio as a % of charge volume and 90 days past billings as a % of receivables were presented. Beginning in first quarter&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;as a result of system enhancements, 30 days past d&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;ue as a % of total, Net write-off rate (principal only) and Net write-off rate (principal and fees) have been presented. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock>
  <axp:NetWriteOffRatePrincipal id="ID_401" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="pure" decimals="3">0.019</axp:NetWriteOffRatePrincipal>
  <axp:NetWriteOffRatePrincipalInterestFees id="ID_402" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="pure" decimals="3">0.018</axp:NetWriteOffRatePrincipalInterestFees>
  <axp:NetWriteOffRatePrincipal id="ID_403" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="pure" decimals="3">0.016</axp:NetWriteOffRatePrincipal>
  <axp:NetWriteOffRatePrincipalInterestFees id="ID_404" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="pure" decimals="3">0.021</axp:NetWriteOffRatePrincipalInterestFees>
  <axp:ThirtyDaysPastDueAsPercentageOfTotal id="ID_405" contextRef="AS_OF_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="pure" decimals="3">0.011</axp:ThirtyDaysPastDueAsPercentageOfTotal>
  <axp:ThirtyDaysPastDueAsPercentageOfTotal id="ID_406" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="pure" decimals="3">0.01</axp:ThirtyDaysPastDueAsPercentageOfTotal>
  <axp:NetWriteOffRatePrincipal id="ID_407" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="pure" decimals="3">0.02</axp:NetWriteOffRatePrincipal>
  <axp:NetWriteOffRatePrincipal id="ID_408" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="pure" decimals="3">0.019</axp:NetWriteOffRatePrincipal>
  <axp:ThirtyDaysPastDueAsPercentageOfTotal id="ID_409" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="pure" decimals="3">0.016</axp:ThirtyDaysPastDueAsPercentageOfTotal>
  <axp:NetWriteOffRatePrincipalInterestFees id="ID_410" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="pure" decimals="3">0.023</axp:NetWriteOffRatePrincipalInterestFees>
  <axp:NetWriteOffRatePrincipalInterestFees id="ID_411" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="pure" decimals="3">0.024</axp:NetWriteOffRatePrincipalInterestFees>
  <axp:ThirtyDaysPastDueAsPercentageOfTotal id="ID_412" contextRef="AS_OF_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="pure" decimals="3">0.015</axp:ThirtyDaysPastDueAsPercentageOfTotal>
  <axp:ThirtyDaysPastDueAsPercentageOfTotal id="ID_413" contextRef="AS_OF_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="pure" decimals="3">0.017</axp:ThirtyDaysPastDueAsPercentageOfTotal>
  <axp:ThirtyDaysPastDueAsPercentageOfTotal id="ID_414" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="pure" decimals="3">0.016</axp:ThirtyDaysPastDueAsPercentageOfTotal>
  <axp:NetWriteOffRatePrincipalInterestFees id="ID_415" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="pure" decimals="3">0.019</axp:NetWriteOffRatePrincipalInterestFees>
  <axp:NetWriteOffRatePrincipalInterestFees id="ID_416" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="pure" decimals="3">0.019</axp:NetWriteOffRatePrincipalInterestFees>
  <axp:NetWriteOffRatePrincipal id="ID_417" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="pure" decimals="3">0.018</axp:NetWriteOffRatePrincipal>
  <axp:NetWriteOffRatePrincipal id="ID_418" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="pure" decimals="3">0.017</axp:NetWriteOffRatePrincipal>
  <axp:NinetyDaysPastBillingAsPercentageOfReceivables id="ID_419" contextRef="AS_OF_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="pure" decimals="3">0.011</axp:NinetyDaysPastBillingAsPercentageOfReceivables>
  <axp:NetLossRatioAsPercentageOfChargeVolume id="ID_420" contextRef="AS_OF_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="pure" decimals="4">0.002</axp:NetLossRatioAsPercentageOfChargeVolume>
  <axp:NinetyDaysPastBillingAsPercentageOfReceivables id="ID_421" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="pure" decimals="3">0.008</axp:NinetyDaysPastBillingAsPercentageOfReceivables>
  <axp:NinetyDaysPastBillingAsPercentageOfReceivables id="ID_422" contextRef="AS_OF_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="pure" decimals="3">0.008</axp:NinetyDaysPastBillingAsPercentageOfReceivables>
  <axp:NetLossRatioAsPercentageOfChargeVolume id="ID_423" contextRef="AS_OF_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="pure" decimals="4">0.0007</axp:NetLossRatioAsPercentageOfChargeVolume>
  <axp:NetLossRatioAsPercentageOfChargeVolume id="ID_424" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="pure" decimals="4">0.0009</axp:NetLossRatioAsPercentageOfChargeVolume>
  <axp:NetWriteOffRatePrincipal id="ID_425" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="pure" decimals="3">0.02</axp:NetWriteOffRatePrincipal>
  <axp:NetWriteOffRatePrincipalInterestFees id="ID_426" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="pure" decimals="3">0.021</axp:NetWriteOffRatePrincipalInterestFees>
  <axp:ThirtyDaysPastDueAsPercentageOfTotal id="ID_427" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="pure" decimals="3">0.014</axp:ThirtyDaysPastDueAsPercentageOfTotal>
  <us-gaap:ImpairedFinancingReceivablesTableTextBlock id="ID_428" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; provide&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;s&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; additional information with respect to the Company&amp;#8217;s impaired &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; loans&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, which are not significant for GCS,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;receivables&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;which are not significant for ICS and GCS,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; as of&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;December 31,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Loans over&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:108.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:108.75pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;90 Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Loans &amp;amp;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:108.75pt;text-align:center;border-color:Black;min-width:108.75pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Past Due&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Non-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Impaired&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Unpaid&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;amp; Accruing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Accrual&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Modified&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Loans &amp;amp;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Principal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Allowance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Interest&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;as a TDR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(d)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;for TDRs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(e)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Card Member Loans:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 160 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 188 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 309 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 657 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 594 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 70 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   International Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 60 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 60 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 59 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Card Member Receivables:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 44 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 44 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 43 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 32 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 220 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 188 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 353 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 761 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 696 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 102 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Loans over&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:108.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:108.75pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;90 Days&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Loans &amp;amp;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:108.75pt;text-align:center;border-color:Black;min-width:108.75pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Past Due&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Non-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Impaired&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Unpaid&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;amp; Accruing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Accrual&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Modified&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Loans &amp;amp;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Principal&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Allowance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Interest&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;as a TDR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(d)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;for TDRs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(e)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Card Member Loans:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 170 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 244 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 373 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 787 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 731 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 84 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   International Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 54 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 4 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 5 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 63 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 62 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Card Member Receivables:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;   U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 50 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 50 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 49 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 38 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:118.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 224 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 248 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 428 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 900 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 842 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 122 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;The Company&amp;#8217;s policy is generally to accrue inte&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;rest through the date of write&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;-off (&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;i.e., &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;at 180 days past due). The Company establishes reserves for interest that the Company believes will not be collected.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; Amounts presented exclude loans modified as a &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;troubled debt restructuring (TDR).&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Non-accrual loans not in modification programs include certain &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; loans placed with outside collection agencies for which the Company has ceased accruing interest.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Total loans and receivables modified as a TDR in&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;clude&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;s&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;87&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; million and $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;92&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; million that are non-accrual and $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;20&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; million &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;and $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;26&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; million &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;that are past due 90 days and still accruing interest as of&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, respectively&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;.  &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Unpaid pri&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;ncipal balance consists of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; charges billed and excludes other amounts charged directly by the Company such as interest and fees. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Represents the reserve for losses for TDRs, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;which are evaluated individually&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; for impairment.  The Company records a&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; reserve for losses for all impaired loans. Refer to &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Card Member Loans Evaluated Individually&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; and Collectively for Impairment in Note &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;4 &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;for further &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;information regarding &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; the reserve for losses on loans over 90 days past due and accruing interest and non-a&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;ccrual loans, which are evaluated collectively for impairment. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:ImpairedFinancingReceivablesTableTextBlock>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing id="ID_429" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">220000000</us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing>
  <us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest id="ID_430" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">188000000</us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest>
  <us-gaap:FinancingReceivableModificationsRecordedInvestment id="ID_431" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">353000000</us-gaap:FinancingReceivableModificationsRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ID_432" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">761000000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance id="ID_433" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">102000000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance id="ID_434" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">122000000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing id="ID_435" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">224000000</us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ID_436" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">900000000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:FinancingReceivableModificationsRecordedInvestment id="ID_437" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">428000000</us-gaap:FinancingReceivableModificationsRecordedInvestment>
  <us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest id="ID_438" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">248000000</us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest>
  <us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest id="ID_439" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">188000000</us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing id="ID_440" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">170000000</us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing>
  <us-gaap:FinancingReceivableModificationsRecordedInvestment id="ID_441" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">309000000</us-gaap:FinancingReceivableModificationsRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ID_442" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">657000000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance id="ID_443" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">84000000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ID_444" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">787000000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest id="ID_445" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">244000000</us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance id="ID_446" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">70000000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing id="ID_447" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">160000000</us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing>
  <us-gaap:FinancingReceivableModificationsRecordedInvestment id="ID_448" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">373000000</us-gaap:FinancingReceivableModificationsRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ID_449" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">60000000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:FinancingReceivableModificationsRecordedInvestment id="ID_450" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">5000000</us-gaap:FinancingReceivableModificationsRecordedInvestment>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing id="ID_451" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">60000000</us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance id="ID_452" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">0</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ID_453" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">63000000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing id="ID_454" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">54000000</us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance id="ID_455" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">0</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest id="ID_456" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">4000000</us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest>
  <us-gaap:FinancingReceivableModificationsRecordedInvestment id="ID_457" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">0</us-gaap:FinancingReceivableModificationsRecordedInvestment>
  <us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest id="ID_458" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">0</us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest>
  <us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest id="ID_459" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">0</us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ID_460" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">44000000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:FinancingReceivableModificationsRecordedInvestment id="ID_461" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">44000000</us-gaap:FinancingReceivableModificationsRecordedInvestment>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing id="ID_462" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">0</us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance id="ID_463" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">38000000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest id="ID_464" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">0</us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance id="ID_465" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">32000000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ID_466" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">50000000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing id="ID_467" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">0</us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing>
  <us-gaap:FinancingReceivableModificationsRecordedInvestment id="ID_468" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">50000000</us-gaap:FinancingReceivableModificationsRecordedInvestment>
  <axp:LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance id="ID_469" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">696000000</axp:LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance>
  <axp:LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance id="ID_470" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">842000000</axp:LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance>
  <axp:LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance id="ID_471" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">594000000</axp:LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance>
  <axp:LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance id="ID_472" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">59000000</axp:LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance>
  <axp:LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance id="ID_473" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">43000000</axp:LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance>
  <axp:LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance id="ID_474" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">731000000</axp:LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance>
  <axp:LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance id="ID_475" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">62000000</axp:LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance>
  <axp:LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance id="ID_476" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">49000000</axp:LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ID_477" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">734000000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod id="ID_478" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">49000000</us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod id="ID_479" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">46000000</us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod id="ID_480" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">34000000</us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod id="ID_481" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">37000000</us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod id="ID_482" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">12000000</us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod id="ID_483" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">12000000</us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod id="ID_484" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">0</us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod id="ID_485" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">0</us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ID_486" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">63000000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ID_487" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">47000000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ID_488" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">844000000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ID_489" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">982000000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ID_490" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">68000000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ID_491" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">89000000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ID_492" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">1139000000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <axp:FinancingReceivableInterestIncomeAndAverageBalanceTableTextBlock id="ID_493" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Calibri;font-size:11pt;margin-left:0pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:3pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; provide&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;s&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; information with respect to the Company&amp;#8217;s &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;interest income recognized and average balances of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;impaired &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; loans&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, which are not significant for GCS,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;receivables&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, which are not significant for ICS and GCS,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;for the three and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:154.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:154.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:154.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:154.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:154.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:154.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30, 2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:154.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:154.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30, 2014&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Interest Income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Interest Income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Recognized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Recognized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Balance&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Card Member Loans:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;   U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 12 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 675 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 37 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 734 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;   International Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 4 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 63 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 12 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 63 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Card Member Receivables:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;   U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 44 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 47 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 16 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 782 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 49 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 844 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:154.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:154.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:154.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:154.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:154.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:154.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30, 2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:154.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:154.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30, 2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Interest Income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Interest Income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Recognized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Recognized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Balance&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Card Member Loans:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;   U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 11 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 859 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 34 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 982 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;   International Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 4 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 66 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 12 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 68 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Card Member Receivables:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;   U.S. Card Services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 62 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 89 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:137.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:137.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 15 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 987 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 46 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 1,139 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</axp:FinancingReceivableInterestIncomeAndAverageBalanceTableTextBlock>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ID_494" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">63000000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ID_495" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">44000000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ID_496" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">675000000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod id="ID_497" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">12000000</us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod id="ID_498" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">4000000</us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod id="ID_499" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">0</us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ID_500" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">782000000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod id="ID_501" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">16000000</us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod id="ID_502" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">15000000</us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ID_503" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">987000000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod id="ID_504" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">11000000</us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ID_505" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">859000000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod id="ID_506" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">4000000</us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ID_507" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">66000000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ID_508" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">62000000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod id="ID_509" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">0</us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod>
  <us-gaap:TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock id="ID_510" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table provides additional information with respect to the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;U.S. Card Services (USCS) &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; loans and receivables modified as TDRs&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;for&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;three and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;. The ICS and GCS Card Member loans and receivables modifications were not&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; significan&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;t.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; For information on TDRs and the related accounting policies, refer to Note 4 on pages 74 &amp;#8211; 76&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; of the Annual Report&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='8' rowspan='1' style='width:181.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='8' rowspan='1' style='width:181.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='8' rowspan='1' style='width:181.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;September 30, 2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='8' rowspan='1' style='width:181.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;September 30, 2014&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Average &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Payment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Payment&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Number of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Outstanding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Interest Rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Term&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Number of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Outstanding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Interest Rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Term&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Balances&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(a)(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Reduction&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Extension&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Balances&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(a)(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Reduction&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Extension&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(in thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;($ in millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(% Points)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(# of Months)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(in thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;($ in millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(% Points)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(# of Months)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;Troubled Debt Restructurings:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Card Member Loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Card Member Receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;124&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;390&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='8' rowspan='1' style='width:181.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='8' rowspan='1' style='width:181.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='8' rowspan='1' style='width:181.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;September 30, 2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='8' rowspan='1' style='width:181.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:181.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;September 30, 2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Payment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Average&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Payment&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Number of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Outstanding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Interest Rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Term&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Number of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Outstanding&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Interest Rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Term&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Balances&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(a)(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Reduction&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Extension&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Balances&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(a)(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Reduction&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Extension&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(in thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;($ in millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(% Points)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(# of Months)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(in thousands)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;($ in millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(% Points)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(# of Months)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;Troubled Debt Restructurings:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Card Member Loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;12 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;91&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;47&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;357&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Card Member Receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;4 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;16&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;204&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:98.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:98.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;16 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;140&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;63&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:36pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;561&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:39pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:39pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:42.75pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Represents the outstanding balance immediately prior to modification. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Modifications did not reduce the aggregate principal balances except for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, where aggregate principal balances were reduced by &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;4&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; million. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;The outstanding balance includes principal, fees and accrued interest on Card Member loans and principal and fees on Card Member receivables.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;For Card Member loans, there have been no payment term extensions. The Company does not offer interest rate reduct&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;ion programs for Card Member receivables as the receivables are non-interest &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;bearing. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 id="ID_511" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">35000</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 id="ID_512" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">11000</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 id="ID_513" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">46000</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 id="ID_514" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">47000</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 id="ID_515" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">16000</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 id="ID_516" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">63000</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 id="ID_517" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">390000000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 id="ID_518" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">261000000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 id="ID_519" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">129000000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 id="ID_520" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">561000000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 id="ID_521" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">357000000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 id="ID_522" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">204000000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <axp:AveragePaymentTermExtension id="ID_523" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myMonths" decimals="INF">12</axp:AveragePaymentTermExtension>
  <axp:AveragePaymentTermExtension id="ID_524" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myMonths" decimals="INF">12</axp:AveragePaymentTermExtension>
  <axp:AverageInterestRateReductionByClassOfCardmemberLoan id="ID_525" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="pure" decimals="2">0.11</axp:AverageInterestRateReductionByClassOfCardmemberLoan>
  <axp:AverageInterestRateReductionByClassOfCardmemberLoan id="ID_526" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="pure" decimals="2">0.11</axp:AverageInterestRateReductionByClassOfCardmemberLoan>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 id="ID_527" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">124000000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 id="ID_528" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">83000000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 id="ID_529" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">41000000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 id="ID_530" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">140000000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 id="ID_531" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">91000000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 id="ID_532" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">49000000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 id="ID_533" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">11000</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 id="ID_534" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">4000</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 id="ID_535" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">15000</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 id="ID_536" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">16000</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 id="ID_537" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">12000</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 id="ID_538" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">4000</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <axp:AveragePaymentTermExtension id="ID_539" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myMonths" decimals="INF">12</axp:AveragePaymentTermExtension>
  <axp:AveragePaymentTermExtension id="ID_540" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myMonths" decimals="INF">12</axp:AveragePaymentTermExtension>
  <axp:AverageInterestRateReductionByClassOfCardmemberLoan id="ID_541" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="pure" decimals="2">0.09</axp:AverageInterestRateReductionByClassOfCardmemberLoan>
  <axp:AverageInterestRateReductionByClassOfCardmemberLoan id="ID_542" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="pure" decimals="2">0.1</axp:AverageInterestRateReductionByClassOfCardmemberLoan>
  <axp:TroubledDebtRestructuringsOnFinancingReceivablesWithSubsequentDefaultTableTextBlock id="ID_543" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table provides information &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;three and nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;with respect to the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;USCS Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; loans and receivables modified as TDRs &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;that subsequently defaulted&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; w&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ithin 12 months of modification.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;A&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;is considered to have been in default from a modification program after one and up to two consecutive missed payments, depending on the terms of the modification program&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; For all Card Members that defaulted from a modification program, the probability of default is factored into the reserves for Card Member loans and receivables. The defaulted ICS Card Member loan and receivable modifications were not significant.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:111pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:111pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:111pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:111pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:111pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:111pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30, 2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:111pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:111pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30, 2014&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Aggregated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Aggregated&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Outstanding &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Outstanding &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Number of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Balances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Number of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Balances&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' &gt;(Accounts in thousands, Dollars in millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Upon Default&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Upon Default&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;Troubled Debt Restructurings That Subsequently Defaulted:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Card Member Loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;20&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Card Member Receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;29&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;87&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:111pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:111pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:111pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:111pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:111pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:111pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30, 2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:111pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:111pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30, 2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Aggregated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Aggregated&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Outstanding &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Outstanding &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Number of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Balances&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Number of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Balances&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' &gt;(Accounts in thousands, Dollars in millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Upon Default&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Upon Default&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;Troubled Debt Restructurings That Subsequently Defaulted:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Card Member Loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;138&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Card Member Receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:239.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:239.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;45&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;171&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;The outstanding balance include&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;s principal&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, fees &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;and accrued interest&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; on Card Member &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;l&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;oans and principal and fees on Card Member &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;r&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;eceivables.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;</axp:TroubledDebtRestructuringsOnFinancingReceivablesWithSubsequentDefaultTableTextBlock>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1 id="ID_544" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">29000000</us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1 id="ID_545" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">3000</us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1 id="ID_546" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">8000</us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1 id="ID_547" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">87000000</us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1 id="ID_548" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">5000</us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1 id="ID_549" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">45000000</us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1 id="ID_550" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">18000</us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1 id="ID_551" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">171000000</us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1 id="ID_552" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">15000</us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1 id="ID_553" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">4000</us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1 id="ID_554" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">6000</us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1 id="ID_555" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">37000000</us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1 id="ID_556" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">20000000</us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1 id="ID_557" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">138000000</us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1 id="ID_558" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">2000</us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1 id="ID_559" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberLoansMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">60000000</us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1 id="ID_560" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">33000000</us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1 id="ID_561" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">9000000</us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1 id="ID_562" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">1000</us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1 id="ID_563" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">1000</us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1 id="ID_564" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">2000</us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1 id="ID_565" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">27000000</us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1 id="ID_566" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">8000000</us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1>
  <us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1 id="ID_567" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_axp_CardmemberReceivablesMember_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="myAccount" decimals="-3">3000</us-gaap:FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1>
  <axp:ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther id="ID_568" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_axp_UnauthorizedtransactionsmemberMember" unitRef="USD" decimals="-6">-7000000</axp:ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther>
  <axp:ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther id="ID_569" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_axp_UnauthorizedtransactionsmemberMember" unitRef="USD" decimals="-6">-6000000</axp:ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther>
  <axp:ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther id="ID_570" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_axp_ForeigncurrencytranslationadjustmentsmemberMember" unitRef="USD" decimals="-6">-6000000</axp:ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther>
  <axp:ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther id="ID_571" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_axp_OtheritemsmemberMember" unitRef="USD" decimals="-6">-8000000</axp:ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther>
  <axp:ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther id="ID_572" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_axp_OtheritemsmemberMember" unitRef="USD" decimals="-6">4000000</axp:ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther>
  <axp:ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther id="ID_573" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_axp_OtheritemsmemberMember" unitRef="USD" decimals="-6">-6000000</axp:ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther>
  <axp:ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther id="ID_574" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_axp_OtheritemsmemberMember" unitRef="USD" decimals="-6">11000000</axp:ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther>
  <us-gaap:AllowanceForLoanAndLeaseLossRecoveryOfBadDebts id="ID_575" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">324000000</us-gaap:AllowanceForLoanAndLeaseLossRecoveryOfBadDebts>
  <us-gaap:AllowanceForLoanAndLeaseLossRecoveryOfBadDebts id="ID_576" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">343000000</us-gaap:AllowanceForLoanAndLeaseLossRecoveryOfBadDebts>
  <us-gaap:ValuationAllowancesAndReservesRecoveries id="ID_577" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">304000000</us-gaap:ValuationAllowancesAndReservesRecoveries>
  <us-gaap:ValuationAllowancesAndReservesRecoveries id="ID_578" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">269000000</us-gaap:ValuationAllowancesAndReservesRecoveries>
  <axp:AllowanceForReceivablesRecoveriesOfBadDebtsTDR id="ID_579" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">14000000</axp:AllowanceForReceivablesRecoveriesOfBadDebtsTDR>
  <axp:AllowanceForReceivablesRecoveriesOfBadDebtsTDR id="ID_580" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">16000000</axp:AllowanceForReceivablesRecoveriesOfBadDebtsTDR>
  <axp:AllowanceForLoansRecoveriesOfBadDebtsTDR id="ID_581" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">6000000</axp:AllowanceForLoansRecoveriesOfBadDebtsTDR>
  <axp:AllowanceForLoansRecoveriesOfBadDebtsTDR id="ID_582" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-5000000</axp:AllowanceForLoansRecoveriesOfBadDebtsTDR>
  <axp:ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther id="ID_583" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_axp_ForeigncurrencytranslationadjustmentsmemberMember" unitRef="USD" decimals="-6">-3000000</axp:ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther>
  <axp:ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther id="ID_584" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_axp_ForeigncurrencytranslationadjustmentsmemberMember" unitRef="USD" decimals="-6">-8000000</axp:ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther>
  <axp:ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther id="ID_585" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_axp_ForeigncurrencytranslationadjustmentsmemberMember" unitRef="USD" decimals="-6">-7000000</axp:ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther>
  <us-gaap:ReceivablesTradeAndOtherAccountsReceivableAllowanceForDoubtfulAccountsPolicy id="ID_586" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;Reserves for losses relating to &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; loans and receivables represent management&amp;#8217;s best estimate of the probable &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;losses &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;inherent in the Company&amp;#8217;s outstanding portfolio of loans and receivables,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; as of the balance sheet date. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;Management&amp;#8217;s evaluation process requires certain estimates and judgments. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;For information on the Company&amp;#8217;s reserves for losses and the related accountin&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;g policies, refer to &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;Note 5&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;on pages 77 &amp;#8211; 78&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; of the Annual Report. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:ReceivablesTradeAndOtherAccountsReceivableAllowanceForDoubtfulAccountsPolicy>
  <us-gaap:AllowanceForCreditLossesTextBlock id="ID_587" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-15.1pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' &gt;4&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' &gt;.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' &gt;  &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' &gt;Reserves for L&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' &gt;osses&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;Reserves for losses relating to &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; loans and receivables represent management&amp;#8217;s best estimate of the probable &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;losses &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;inherent in the Company&amp;#8217;s outstanding portfolio of loans and receivables,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; as of the balance sheet date. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;Management&amp;#8217;s evaluation process requires certain estimates and judgments. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;For information on the Company&amp;#8217;s reserves for losses and the related accountin&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;g policies, refer to &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;Note 5&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;on pages 77 &amp;#8211; 78&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; of the Annual Report. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' &gt;Chan&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' &gt;ges in &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' &gt; Receivables Reserve for Losses &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;The following table presents changes in the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; receivables reserve for losses for&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; the&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:324.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:324.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:324.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:324.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Balance, January&amp;#160;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;386&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;428&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:316.5pt;text-align:left;border-color:Black;min-width:316.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Provisions&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;594&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;474&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:316.5pt;text-align:left;border-color:Black;min-width:316.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Net write-offs&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(527)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(507)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:316.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:316.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:324.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:324.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Balance, September 30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;432&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;396&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;P&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;rovisions for&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;principal (resulting from authorized transactions) and fee reserve components. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Consists of principal (resulting from authorized transactions) and fee components, less recoveries of $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;269&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;304&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million, including net write-offs from TDRs of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;14&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;16&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million, for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; respectively. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Beginning in first quarter &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;reserves for card related fraud losses&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;of $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million are reflected in &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;other&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; liabilities. All periods include &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;foreign currency translation adjustments of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$(6)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;million &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;and $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, respectively&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;and other items of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, respectively&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;' &gt; Receivables Evaluated &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;' &gt;Individually&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;' &gt; and Collectively for Impairment&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table presents &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; receivables evaluated &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;individually and collectively for impair&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ment and related reserves as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:345.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:345.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:345.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:345.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card Member receivables evaluated individually for impairment&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;44&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:345.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:345.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Related reserves &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:345.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:345.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card Member receivables evaluated collectively for impairment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;45,073&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;44,113&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:345.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:345.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Related reserves &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;400&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;348&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Represents receivables modified in a TDR and related reserves&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Refer to&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; the Impaired &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Loans&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and Receivables&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; dis&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;cussion in N&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;ote &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; on pages 74 &amp;#8211; 76&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; of the Annual Report &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;for further information.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;The reserves include the quantitative results of analytical models that are specific to individual pools of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;receivables&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and reserves for &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;internal and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;external qualitative &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;risk &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;factors that apply to receivables&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; that are collectively evaluated for impairment&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' &gt;Changes in &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' &gt; Loans Reserve for Losses&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;The following table presents changes in the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; loans reserve for losses for &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:318.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:318.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Balance, January&amp;#160;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,471&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:307.5pt;text-align:left;border-color:Black;min-width:307.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Provisions&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;797&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;825&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:307.5pt;text-align:left;border-color:Black;min-width:307.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Net write-offs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:296.25pt;text-align:left;border-color:Black;min-width:296.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Principal&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(786)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(888)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:296.25pt;text-align:left;border-color:Black;min-width:296.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Interest and fees&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(124)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(113)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:307.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:307.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(14)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:318.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Balance, September 30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,146&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,281&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;P&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;rovisions for principal (resulting from authorized transacti&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;ons), interest and fee reserve&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;s&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;components. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Consists of&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; principal &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;write-offs (resulting from authorized transactions), less recoveries of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;324&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;million &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;and&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;343&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;million&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, including net write-offs from TDRs of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;million and&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;million&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;respectively.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; Recoveries of interest and fees were de &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;minimis&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Beginning &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;in &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;first quarter &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;reserves &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;for&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;card related fraud losses&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; of $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;are reflected in &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;other liabilities.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;All periods include &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;foreign currency translation adjustments &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;of&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;million&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;million &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;for&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;t&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;he &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; respectively,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;and&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; other &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;item&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;s of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;million &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;million&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; for the&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;respectivel&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;y. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;' &gt; Loans Evaluated Individually&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;' &gt; and Collectively for Impairment&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table presents &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; loans evaluated &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;individually&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and collectively for impairment and related reserves as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:345.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:345.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:345.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:345.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card Member loans evaluated individually for impairment&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;378&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:345.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:345.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Related reserves &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;70&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;84&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:345.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:345.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card Member loans evaluated collectively for impairment&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;65,748&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;66,860&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:345.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:345.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Related reserves &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,076&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,177&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Represents loans modified&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; in a TDR and related reserves.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; Refer to the Impaired &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Loans and Receivables d&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;iscussion in Note &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;4 on pages 74 &amp;#8211; 76&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; of the Annual Report&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; for further &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;information.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Represents current loans and loans less than 90 days past due, loans over 90 days past due and accruing &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;interest, and non-accrual loans&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;. The reserves include the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;quantitative &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;results of analytical models that are specific to individual pools of loans and r&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;eserves for &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;internal and external &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;qualitative &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;risk &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;factors that apply &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;to&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; loans &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;that are &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;collectively evaluated for impairment. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;</us-gaap:AllowanceForCreditLossesTextBlock>
  <us-gaap:ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock id="ID_588" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;The following table presents changes in the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; receivables reserve for losses for&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; the&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:324.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:324.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:324.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:324.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Balance, January&amp;#160;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;386&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;428&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:316.5pt;text-align:left;border-color:Black;min-width:316.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Provisions&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;594&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;474&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:316.5pt;text-align:left;border-color:Black;min-width:316.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Net write-offs&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(527)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(507)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:316.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:316.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:324.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:324.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Balance, September 30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;432&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;396&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;P&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;rovisions for&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;principal (resulting from authorized transactions) and fee reserve components. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Consists of principal (resulting from authorized transactions) and fee components, less recoveries of $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;269&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;304&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million, including net write-offs from TDRs of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;14&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;16&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million, for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; respectively. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Beginning in first quarter &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;reserves for card related fraud losses&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;of $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million are reflected in &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;other&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; liabilities. All periods include &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;foreign currency translation adjustments of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$(6)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;million &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;and $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(3)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, respectively&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;and other items of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, respectively&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock>
  <us-gaap:AllowanceForDoubtfulAccountsReceivable id="ID_589" contextRef="AS_OF_Dec31_2012_Entity_0000004962" unitRef="USD" decimals="-6">428000000</us-gaap:AllowanceForDoubtfulAccountsReceivable>
  <axp:ProvisionsForLossesDeductionsChargeCardNetWriteOffsPrincipalAndFees id="ID_590" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-527000000</axp:ProvisionsForLossesDeductionsChargeCardNetWriteOffsPrincipalAndFees>
  <axp:ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther id="ID_591" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-21000000</axp:ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther>
  <us-gaap:AllowanceForDoubtfulAccountsReceivable id="ID_592" contextRef="AS_OF_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">396000000</us-gaap:AllowanceForDoubtfulAccountsReceivable>
  <axp:ProvisionsForLossesDeductionsChargeCardNetWriteOffsPrincipalAndFees id="ID_593" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">-507000000</axp:ProvisionsForLossesDeductionsChargeCardNetWriteOffsPrincipalAndFees>
  <axp:ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther id="ID_594" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">1000000</axp:ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther>
  <axp:CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock id="ID_595" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table presents &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; receivables evaluated &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;individually and collectively for impair&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ment and related reserves as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:345.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:345.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:345.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:345.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card Member receivables evaluated individually for impairment&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;44&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:345.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:345.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Related reserves &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;38&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:345.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:345.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card Member receivables evaluated collectively for impairment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;45,073&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;44,113&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:345.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:345.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Related reserves &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;400&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;348&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Represents receivables modified in a TDR and related reserves&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Refer to&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; the Impaired &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Loans&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and Receivables&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; dis&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;cussion in N&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;ote &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; on pages 74 &amp;#8211; 76&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; of the Annual Report &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;for further information.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;The reserves include the quantitative results of analytical models that are specific to individual pools of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;receivables&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and reserves for &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;internal and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;external qualitative &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;risk &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;factors that apply to receivables&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; that are collectively evaluated for impairment&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;</axp:CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock>
  <us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment id="ID_596" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">44000000</us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment id="ID_597" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">400000000</us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment id="ID_598" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">45073000000</us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1 id="ID_599" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">32000000</us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment id="ID_600" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">348000000</us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment id="ID_601" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">50000000</us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1 id="ID_602" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">38000000</us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1>
  <us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment id="ID_603" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">44113000000</us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment>
  <axp:CardmemberLoansReservesRollforwardTextBlock id="ID_604" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;The following table presents changes in the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; loans reserve for losses for &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:318.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:318.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Balance, January&amp;#160;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,471&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:307.5pt;text-align:left;border-color:Black;min-width:307.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Provisions&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;797&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;825&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:307.5pt;text-align:left;border-color:Black;min-width:307.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Net write-offs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:296.25pt;text-align:left;border-color:Black;min-width:296.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Principal&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(786)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(888)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:296.25pt;text-align:left;border-color:Black;min-width:296.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Interest and fees&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(124)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(113)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:307.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:307.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(14)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:318.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Balance, September 30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,146&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,281&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;P&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;rovisions for principal (resulting from authorized transacti&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;ons), interest and fee reserve&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;s&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;components. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Consists of&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; principal &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;write-offs (resulting from authorized transactions), less recoveries of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;324&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;million &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;and&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;343&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;million&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, including net write-offs from TDRs of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(5)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;million and&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;million&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;respectively.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; Recoveries of interest and fees were de &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;minimis&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Beginning &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;in &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;first quarter &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;reserves &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;for&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;card related fraud losses&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; of $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;are reflected in &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;other liabilities.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;All periods include &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;foreign currency translation adjustments &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;of&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;million&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(8)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;million &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;for&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;t&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;he &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; respectively,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;and&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; other &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;item&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;s of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;million &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;million&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; for the&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;respectivel&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;y. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;</axp:CardmemberLoansReservesRollforwardTextBlock>
  <us-gaap:LoansAndLeasesReceivableAllowance id="ID_605" contextRef="AS_OF_Dec31_2012_Entity_0000004962" unitRef="USD" decimals="-6">1471000000</us-gaap:LoansAndLeasesReceivableAllowance>
  <axp:ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsPrincipal id="ID_606" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-786000000</axp:ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsPrincipal>
  <axp:ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsInterestAndFees id="ID_607" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-124000000</axp:ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsInterestAndFees>
  <axp:ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther id="ID_608" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-2000000</axp:ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther>
  <axp:ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsPrincipal id="ID_609" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">-888000000</axp:ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsPrincipal>
  <axp:ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther id="ID_610" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">-14000000</axp:ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther>
  <us-gaap:LoansAndLeasesReceivableAllowance id="ID_611" contextRef="AS_OF_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">1281000000</us-gaap:LoansAndLeasesReceivableAllowance>
  <axp:ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsInterestAndFees id="ID_612" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">-113000000</axp:ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsInterestAndFees>
  <axp:CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock id="ID_613" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table presents &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; loans evaluated &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;individually&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and collectively for impairment and related reserves as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:345.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:345.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:345.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:345.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card Member loans evaluated individually for impairment&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;309&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;378&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:345.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:345.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Related reserves &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;70&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;84&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:345.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:345.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card Member loans evaluated collectively for impairment&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;65,748&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;66,860&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:345.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:345.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Related reserves &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,076&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,177&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Represents loans modified&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; in a TDR and related reserves.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; Refer to the Impaired &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Loans and Receivables d&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;iscussion in Note &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;4 on pages 74 &amp;#8211; 76&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; of the Annual Report&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; for further &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;information.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Represents current loans and loans less than 90 days past due, loans over 90 days past due and accruing &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;interest, and non-accrual loans&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;. The reserves include the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;quantitative &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;results of analytical models that are specific to individual pools of loans and r&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;eserves for &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;internal and external &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;qualitative &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;risk &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;factors that apply &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;to&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; loans &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;that are &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;collectively evaluated for impairment. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;</axp:CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock>
  <axp:CardmemberLoansEvaluatedSeparatelyForImpairment id="ID_614" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">309000000</axp:CardmemberLoansEvaluatedSeparatelyForImpairment>
  <axp:ReservesOnCardmemberLoansEvaluatedSeparatelyForImpairment id="ID_615" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">70000000</axp:ReservesOnCardmemberLoansEvaluatedSeparatelyForImpairment>
  <axp:CardmemberLoansEvaluatedCollectivelyForImpairment id="ID_616" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">65748000000</axp:CardmemberLoansEvaluatedCollectivelyForImpairment>
  <axp:CardmemberLoansEvaluatedSeparatelyForImpairment id="ID_617" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">378000000</axp:CardmemberLoansEvaluatedSeparatelyForImpairment>
  <axp:ReservesOnCardmemberLoansEvaluatedSeparatelyForImpairment id="ID_618" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">84000000</axp:ReservesOnCardmemberLoansEvaluatedSeparatelyForImpairment>
  <axp:CardmemberLoansEvaluatedCollectivelyForImpairment id="ID_619" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">66860000000</axp:CardmemberLoansEvaluatedCollectivelyForImpairment>
  <axp:ReservesOnCardmemberLoansEvaluatedCollectivelyForImpairment id="ID_620" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">1177000000</axp:ReservesOnCardmemberLoansEvaluatedCollectivelyForImpairment>
  <axp:ReservesOnCardmemberLoansEvaluatedCollectivelyForImpairment id="ID_621" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1076000000</axp:ReservesOnCardmemberLoansEvaluatedCollectivelyForImpairment>
  <us-gaap:MarketableSecuritiesRealizedGainLossOtherThanTemporaryImpairmentsAmount id="ID_622" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">0</us-gaap:MarketableSecuritiesRealizedGainLossOtherThanTemporaryImpairmentsAmount>
  <us-gaap:MarketableSecuritiesRealizedGainLossOtherThanTemporaryImpairmentsAmount id="ID_623" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">0</us-gaap:MarketableSecuritiesRealizedGainLossOtherThanTemporaryImpairmentsAmount>
  <us-gaap:AvailableForSaleSecuritiesGrossRealizedGains id="ID_624" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">100000000</us-gaap:AvailableForSaleSecuritiesGrossRealizedGains>
  <us-gaap:AvailableForSaleSecuritiesGrossRealizedGains id="ID_625" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">102000000</us-gaap:AvailableForSaleSecuritiesGrossRealizedGains>
  <us-gaap:AvailableForSaleSecuritiesGrossRealizedGains id="ID_626" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">20000000</us-gaap:AvailableForSaleSecuritiesGrossRealizedGains>
  <us-gaap:AvailableForSaleSecuritiesGrossRealizedGains id="ID_627" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">37000000</us-gaap:AvailableForSaleSecuritiesGrossRealizedGains>
  <us-gaap:AvailableForSaleSecuritiesGrossRealizedLosses id="ID_628" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesGrossRealizedLosses>
  <us-gaap:AvailableForSaleSecuritiesGrossRealizedLosses id="ID_629" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesGrossRealizedLosses>
  <us-gaap:AvailableForSaleSecuritiesGrossRealizedLosses id="ID_630" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesGrossRealizedLosses>
  <us-gaap:AvailableForSaleSecuritiesGrossRealizedLosses id="ID_631" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesGrossRealizedLosses>
  <us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock id="ID_632" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-14.4pt;' &gt;5&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;Investment Securities&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:9pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;Investment securities include debt and equity securities &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;that the Company&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;classifies &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;as available for sale. The Company&amp;#8217;s investment securities, principally debt securities, are carried at fair value on the Consolidated Balanc&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;e Sheets with unrealized&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;gains (losses) recorded in &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Accumulated Other Comprehensive Income (AOCI)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, net of income&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; taxes&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;. Realized gains and losses are recognized in results of operations upon disposition of the securities using the specific identification method on a trade date basis. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;F&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;or &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;information on the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Company&amp;#8217;s methodology for de&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;termining the fair value of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;investment securities&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and related accounting policies, r&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;efer to Note &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;3&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;on pages &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;68&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &amp;#8211; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;71&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;of the Annual Report&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following is a summary of investment securities as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:111.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:111.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='11' rowspan='1' style='width:174pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:174pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='11' rowspan='1' style='width:174pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:174pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:111.75pt;text-align:center;border-color:Black;min-width:111.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gross&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gross&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Estimated&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gross&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gross&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Estimated&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:111.75pt;text-align:center;border-color:Black;min-width:111.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Unrealized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Unrealized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Fair&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Unrealized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Unrealized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Fair&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Description of Securities &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:118.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;State and municipal obligations&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 3,628 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 130 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; (3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 3,755 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 4,060 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 54 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; (79)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 4,035 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;U.S. Government agency&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:111.75pt;text-align:left;border-color:Black;min-width:111.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;obligations&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 3 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 3 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 3 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 3 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;U.S. Government treasury &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:111.75pt;text-align:left;border-color:Black;min-width:111.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;obligations&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 346 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 4 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 349 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 318 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 3 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 320 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Corporate debt securities&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 39 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 3 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 42 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 43 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 3 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 46 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Mortgage-backed securities&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 137 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 7 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 144 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 160 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 5 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 164 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Equity securities&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 1 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 1 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 29 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 95 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 124 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Foreign government bonds and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:111.75pt;text-align:left;border-color:Black;min-width:111.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;obligations&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 399 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 8 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 407 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 272 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 5 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 276 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 50 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 49 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 50 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 48 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:118.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 4,602 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 153 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; (5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 4,750 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;4,935&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;165&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(84)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;5,016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Represents mortgage-backed securities guaranteed by Fannie Mae, Freddie Mac or &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Ginnie&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; Mae. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Primarily represents the Company&amp;#8217;s investment in the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Industrial and Commercial Bank of China (ICBC) &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;as of December &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;31, 2013.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Other comprises investments in &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;various mutual funds.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table provides information about the Company&amp;#8217;s investment securities with gross unrealized losses and the length of time that individual securities have been in a continuous unrealized loss position as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:108.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:108.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='11' rowspan='1' style='width:177pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:177pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='11' rowspan='1' style='width:176.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:176.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:108.75pt;text-align:left;border-color:Black;min-width:108.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:86.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:86.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Less than 12 months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:87pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:87pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;12 months or more&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:86.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:86.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Less than 12 months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:86.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:86.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;12 months or more&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:108.75pt;text-align:left;border-color:Black;min-width:108.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:center;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gross&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gross&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gross&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gross&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:108.75pt;text-align:left;border-color:Black;min-width:108.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Estimated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Unrealized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Estimated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Unrealized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Estimated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Unrealized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Estimated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Unrealized&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:116.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:116.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Description of Securities &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:center;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Fair&amp;#160;Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Fair&amp;#160;Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Fair&amp;#160;Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Fair&amp;#160;Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Losses&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:116.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:116.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;State and municipal obligations&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 72 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 1,320 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (63)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 106 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (16)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:116.25pt;text-align:left;border-color:Black;min-width:116.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Foreign government bonds and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:108.75pt;text-align:left;border-color:Black;min-width:108.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;obligations&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 208 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:116.25pt;text-align:left;border-color:Black;min-width:116.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;U.S. Government treasury&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:108.75pt;text-align:left;border-color:Black;min-width:108.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;obligations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 127 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 166 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:116.25pt;text-align:left;border-color:Black;min-width:116.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Mortgage-backed securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 35 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:116.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:116.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 32 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 30 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 17 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:116.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:116.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 127 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 104 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 1,759 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (67)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 123 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (17)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table summarizes the gross unrealized losses due to temporary impairments by ratio of fair value to amortized cost as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11.25pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:101.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='7' rowspan='1' style='width:122.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:122.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;Less than 12 months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td colspan='7' rowspan='1' style='width:122.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:122.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;12 months or more&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td colspan='7' rowspan='1' style='width:122.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:122.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:101.25pt;text-align:left;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Ratio of Fair Value to&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gross&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gross&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gross&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:101.25pt;text-align:left;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Amortized Cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Number of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Estimated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Unrealized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Number of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Estimated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Unrealized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Number of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Estimated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Unrealized&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:101.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-style:italic;color:#000000;' &gt;(Dollars in millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Losses&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;2014:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:101.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;90%&amp;#8211;100%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; 6 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; 127 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;17 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;104 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; 23 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; 231 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; (5)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;Total as of September 30, 2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; 6 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; 127 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; 17 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; 104 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; (4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; 23 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; 231 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; (5)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:97.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:97.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:101.25pt;text-align:left;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;90%&amp;#8211;100%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;228&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;1,665&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;(53)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;234&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;1,689&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;(55)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:101.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;Less than 90%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;94&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;(14)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;99&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;193&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;(29)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;Total as of December 31, 2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;241&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;1,759&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;(67)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;123&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;252&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;1,882&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;(84)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:10pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;The gross unrealized losses &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;are&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; attributed to &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;overall wider&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; credit spreads for s&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;tate and municipal securities, wide&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;r credit spreads for specific issuers, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;adverse &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;changes in market benchmark interest rates, or a combination thereof, all as compared to &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;those prevailing when the investment securities were acquired. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:10pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;Overall, for the investment securities in gross unrealized loss positions&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; (&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;i&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;)&amp;#160;the Company does not &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;currently &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;intend to sell the investment &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;securities, (ii&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;)&amp;#160;it is more likely than not that the&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; Company will not be required to sell the investment securities before recovery of the unrealized losses&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, and (iii&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;)&amp;#160;the Company expects that the contractual principal and interest will be received on the investment securities. As a result, the Company reco&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;gnized no other-than-temporary impairment&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; during the periods presented.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:0pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:0pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' &gt;Supplemental Information&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;Gross realized gains on the sales of investment securities, included in Other &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;revenues for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;three and nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;were $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;20&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; million and $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;100&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; million, respectively. Gross realized gains on the sale of investment securities, included in Other revenues for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;three and nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; were, $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;37&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; million and $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;102&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; million, respectively. There were no realized lo&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;sses for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;three and nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;Contractual maturities of investment securities, excluding equity securities and other securities, as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; were as follows: &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:318pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:318pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:56.25pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Estimated&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:329.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Cost&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Fair&amp;#160;Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:329.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Due within 1 year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 579 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 580 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:329.25pt;text-align:left;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Due after 1 year but within 5 years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 435 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 442 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:329.25pt;text-align:left;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Due after 5 years but within 10 years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 235 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 251 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:329.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Due after 10 years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 3,303 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 3,427 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:329.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 4,552 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 4,700 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:12pt;margin-bottom:0pt;line-height:10pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;The expected payments on state and municipal obligations and mortgage-backed securities may not coincide with their contractual maturities because &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;the issuers &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;have the right to call&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; or prepay certain obligations.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock>
  <us-gaap:ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock id="ID_633" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following is a summary of investment securities as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:111.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:111.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='11' rowspan='1' style='width:174pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:174pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='11' rowspan='1' style='width:174pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:174pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:111.75pt;text-align:center;border-color:Black;min-width:111.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gross&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gross&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Estimated&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gross&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gross&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Estimated&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:111.75pt;text-align:center;border-color:Black;min-width:111.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Unrealized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Unrealized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Fair&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Unrealized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Unrealized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Fair&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Description of Securities &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:118.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;State and municipal obligations&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 3,628 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 130 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; (3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 3,755 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 4,060 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 54 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; (79)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 4,035 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;U.S. Government agency&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:111.75pt;text-align:left;border-color:Black;min-width:111.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;obligations&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 3 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 3 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 3 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 3 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;U.S. Government treasury &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:111.75pt;text-align:left;border-color:Black;min-width:111.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;obligations&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 346 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 4 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 349 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 318 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 3 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 320 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Corporate debt securities&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 39 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 3 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 42 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 43 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 3 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 46 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Mortgage-backed securities&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 137 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 7 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 144 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 160 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 5 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 164 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Equity securities&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 1 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 1 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 29 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 95 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 124 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Foreign government bonds and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:111.75pt;text-align:left;border-color:Black;min-width:111.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;obligations&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 399 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 8 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 407 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 272 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 5 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 276 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 50 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 49 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 50 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; 48 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:118.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:118.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:center;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 4,602 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 153 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; (5)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt; 4,750 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;4,935&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;165&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;(84)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;5,016&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Represents mortgage-backed securities guaranteed by Fannie Mae, Freddie Mac or &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Ginnie&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; Mae. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Primarily represents the Company&amp;#8217;s investment in the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Industrial and Commercial Bank of China (ICBC) &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;as of December &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;31, 2013.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Other comprises investments in &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;various mutual funds.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock>
  <us-gaap:InvestmentPolicyTextBlock id="ID_634" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:9pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;Investment securities include debt and equity securities &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;that the Company&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;classifies &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;as available for sale. The Company&amp;#8217;s investment securities, principally debt securities, are carried at fair value on the Consolidated Balanc&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;e Sheets with unrealized&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;gains (losses) recorded in &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Accumulated Other Comprehensive Income (AOCI)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, net of income&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; taxes&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;. Realized gains and losses are recognized in results of operations upon disposition of the securities using the specific identification method on a trade date basis. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;F&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;or &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;information on the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Company&amp;#8217;s methodology for de&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;termining the fair value of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;investment securities&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and related accounting policies, r&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;efer to Note &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;3&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;on pages &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;68&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &amp;#8211; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;71&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;of the Annual Report&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;Overall, for the investment securities in gross unrealized loss positions&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; (&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;i&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;)&amp;#160;the Company does not &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;currently &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;intend to sell the investment &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;securities, (ii&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;)&amp;#160;it is more likely than not that the&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; Company will not be required to sell the investment securities before recovery of the unrealized losses&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, and (iii&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;)&amp;#160;the Company expects that the contractual principal and interest will be received on the investment securities. As a result, the Company reco&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;gnized no other-than-temporary impairment&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; during the periods presented.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:InvestmentPolicyTextBlock>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="ID_635" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">4602000000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="ID_636" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">4935000000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="ID_637" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USStatesAndPoliticalSubdivisionsMember" unitRef="USD" decimals="-6">3628000000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecurities id="ID_638" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USStatesAndPoliticalSubdivisionsMember" unitRef="USD" decimals="-6">3755000000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="ID_639" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USStatesAndPoliticalSubdivisionsMember" unitRef="USD" decimals="-6">4060000000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecurities id="ID_640" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USStatesAndPoliticalSubdivisionsMember" unitRef="USD" decimals="-6">4035000000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="ID_641" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" unitRef="USD" decimals="-6">3000000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecurities id="ID_642" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" unitRef="USD" decimals="-6">3000000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="ID_643" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" unitRef="USD" decimals="-6">3000000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecurities id="ID_644" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" unitRef="USD" decimals="-6">3000000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="ID_645" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USTreasurySecuritiesMember" unitRef="USD" decimals="-6">346000000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecurities id="ID_646" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USTreasurySecuritiesMember" unitRef="USD" decimals="-6">349000000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="ID_647" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USTreasurySecuritiesMember" unitRef="USD" decimals="-6">318000000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecurities id="ID_648" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USTreasurySecuritiesMember" unitRef="USD" decimals="-6">320000000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="ID_649" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CorporateDebtSecuritiesMember" unitRef="USD" decimals="-6">39000000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecurities id="ID_650" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CorporateDebtSecuritiesMember" unitRef="USD" decimals="-6">42000000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="ID_651" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CorporateDebtSecuritiesMember" unitRef="USD" decimals="-6">43000000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecurities id="ID_652" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CorporateDebtSecuritiesMember" unitRef="USD" decimals="-6">46000000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="ID_653" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" unitRef="USD" decimals="-6">137000000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecurities id="ID_654" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" unitRef="USD" decimals="-6">144000000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="ID_655" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" unitRef="USD" decimals="-6">160000000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecurities id="ID_656" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" unitRef="USD" decimals="-6">164000000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="ID_657" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_EquitySecuritiesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecurities id="ID_658" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_EquitySecuritiesMember" unitRef="USD" decimals="-6">1000000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="ID_659" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_EquitySecuritiesMember" unitRef="USD" decimals="-6">29000000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecurities id="ID_660" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_EquitySecuritiesMember" unitRef="USD" decimals="-6">124000000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="ID_661" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_ForeignGovernmentDebtSecuritiesMember" unitRef="USD" decimals="-6">399000000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecurities id="ID_662" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_ForeignGovernmentDebtSecuritiesMember" unitRef="USD" decimals="-6">407000000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="ID_663" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_ForeignGovernmentDebtSecuritiesMember" unitRef="USD" decimals="-6">272000000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecurities id="ID_664" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_ForeignGovernmentDebtSecuritiesMember" unitRef="USD" decimals="-6">276000000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="ID_665" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_AvailabeForSaleSecuritiesOtherMember" unitRef="USD" decimals="-6">50000000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecurities id="ID_666" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_AvailabeForSaleSecuritiesOtherMember" unitRef="USD" decimals="-6">49000000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="ID_667" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_AvailabeForSaleSecuritiesOtherMember" unitRef="USD" decimals="-6">50000000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecurities id="ID_668" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_AvailabeForSaleSecuritiesOtherMember" unitRef="USD" decimals="-6">48000000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains id="ID_669" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">153000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss id="ID_670" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">5000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains id="ID_671" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">165000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss id="ID_672" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">84000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains id="ID_673" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USStatesAndPoliticalSubdivisionsMember" unitRef="USD" decimals="-6">130000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains id="ID_674" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains id="ID_675" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USTreasurySecuritiesMember" unitRef="USD" decimals="-6">4000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains id="ID_676" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CorporateDebtSecuritiesMember" unitRef="USD" decimals="-6">3000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains id="ID_677" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" unitRef="USD" decimals="-6">7000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains id="ID_678" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_EquitySecuritiesMember" unitRef="USD" decimals="-6">1000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains id="ID_679" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_ForeignGovernmentDebtSecuritiesMember" unitRef="USD" decimals="-6">8000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains id="ID_680" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_AvailabeForSaleSecuritiesOtherMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss id="ID_681" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USStatesAndPoliticalSubdivisionsMember" unitRef="USD" decimals="-6">3000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss id="ID_682" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss id="ID_683" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USTreasurySecuritiesMember" unitRef="USD" decimals="-6">1000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss id="ID_684" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CorporateDebtSecuritiesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss id="ID_685" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss id="ID_686" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_EquitySecuritiesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss id="ID_687" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_ForeignGovernmentDebtSecuritiesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss id="ID_688" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_AvailabeForSaleSecuritiesOtherMember" unitRef="USD" decimals="-6">1000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains id="ID_689" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USStatesAndPoliticalSubdivisionsMember" unitRef="USD" decimals="-6">54000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss id="ID_690" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USStatesAndPoliticalSubdivisionsMember" unitRef="USD" decimals="-6">79000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss id="ID_691" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains id="ID_692" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains id="ID_693" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USTreasurySecuritiesMember" unitRef="USD" decimals="-6">3000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss id="ID_694" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USTreasurySecuritiesMember" unitRef="USD" decimals="-6">1000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss id="ID_695" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CorporateDebtSecuritiesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains id="ID_696" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_CorporateDebtSecuritiesMember" unitRef="USD" decimals="-6">3000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss id="ID_697" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" unitRef="USD" decimals="-6">1000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains id="ID_698" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" unitRef="USD" decimals="-6">5000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains id="ID_699" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_EquitySecuritiesMember" unitRef="USD" decimals="-6">95000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss id="ID_700" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_EquitySecuritiesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss id="ID_701" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_ForeignGovernmentDebtSecuritiesMember" unitRef="USD" decimals="-6">1000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains id="ID_702" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_ForeignGovernmentDebtSecuritiesMember" unitRef="USD" decimals="-6">5000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains id="ID_703" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_AvailabeForSaleSecuritiesOtherMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedGains>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss id="ID_704" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_AvailabeForSaleSecuritiesOtherMember" unitRef="USD" decimals="-6">2000000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLoss>
  <us-gaap:ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock id="ID_705" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;
&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table provides information about the Company&amp;#8217;s investment securities with gross unrealized losses and the length of time that individual securities have been in a continuous unrealized loss position as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:108.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:108.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='11' rowspan='1' style='width:177pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:177pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='11' rowspan='1' style='width:176.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:176.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:108.75pt;text-align:left;border-color:Black;min-width:108.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:86.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:86.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Less than 12 months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:87pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:87pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;12 months or more&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:86.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:86.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Less than 12 months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:86.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:86.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;12 months or more&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:108.75pt;text-align:left;border-color:Black;min-width:108.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:center;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gross&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gross&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gross&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gross&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:108.75pt;text-align:left;border-color:Black;min-width:108.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Estimated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Unrealized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Estimated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Unrealized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Estimated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Unrealized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Estimated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Unrealized&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:116.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:116.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Description of Securities &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:center;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Fair&amp;#160;Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Fair&amp;#160;Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Fair&amp;#160;Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Fair&amp;#160;Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Losses&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:116.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:116.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;State and municipal obligations&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 72 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 1,320 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (63)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 106 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (16)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:116.25pt;text-align:left;border-color:Black;min-width:116.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Foreign government bonds and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:108.75pt;text-align:left;border-color:Black;min-width:108.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;obligations&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 208 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:116.25pt;text-align:left;border-color:Black;min-width:116.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;U.S. Government treasury&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:108.75pt;text-align:left;border-color:Black;min-width:108.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;obligations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 127 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 166 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:116.25pt;text-align:left;border-color:Black;min-width:116.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Mortgage-backed securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 35 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:116.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:116.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 32 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 30 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 17 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:116.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:116.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 127 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 104 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 1,759 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (67)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 123 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (17)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="ID_706" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USStatesAndPoliticalSubdivisionsMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="ID_707" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USStatesAndPoliticalSubdivisionsMember" unitRef="USD" decimals="-6">72000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="ID_708" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USStatesAndPoliticalSubdivisionsMember" unitRef="USD" decimals="-6">1320000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="ID_709" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USStatesAndPoliticalSubdivisionsMember" unitRef="USD" decimals="-6">106000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="ID_710" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_ForeignGovernmentDebtSecuritiesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="ID_711" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_ForeignGovernmentDebtSecuritiesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="ID_712" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_ForeignGovernmentDebtSecuritiesMember" unitRef="USD" decimals="-6">208000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="ID_713" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_ForeignGovernmentDebtSecuritiesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="ID_714" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_OtherInvestmentSecuritiesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="ID_715" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_OtherInvestmentSecuritiesMember" unitRef="USD" decimals="-6">32000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="ID_716" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_OtherInvestmentSecuritiesMember" unitRef="USD" decimals="-6">30000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="ID_717" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_OtherInvestmentSecuritiesMember" unitRef="USD" decimals="-6">17000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses id="ID_718" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USStatesAndPoliticalSubdivisionsMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses id="ID_719" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_ForeignGovernmentDebtSecuritiesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses id="ID_720" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_OtherInvestmentSecuritiesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses id="ID_721" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USStatesAndPoliticalSubdivisionsMember" unitRef="USD" decimals="-6">-3000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses id="ID_722" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_ForeignGovernmentDebtSecuritiesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses id="ID_723" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_OtherInvestmentSecuritiesMember" unitRef="USD" decimals="-6">-1000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses id="ID_724" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USStatesAndPoliticalSubdivisionsMember" unitRef="USD" decimals="-6">-63000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses id="ID_725" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_ForeignGovernmentDebtSecuritiesMember" unitRef="USD" decimals="-6">-1000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses id="ID_726" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_OtherInvestmentSecuritiesMember" unitRef="USD" decimals="-6">-1000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses id="ID_727" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USStatesAndPoliticalSubdivisionsMember" unitRef="USD" decimals="-6">-16000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses id="ID_728" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_ForeignGovernmentDebtSecuritiesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses id="ID_729" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_axp_OtherInvestmentSecuritiesMember" unitRef="USD" decimals="-6">-1000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="ID_730" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">127000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="ID_731" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">104000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses id="ID_732" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-1000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses id="ID_733" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-4000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="ID_734" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" unitRef="USD" decimals="-6">127000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="ID_735" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" unitRef="USD" decimals="-6">166000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="ID_736" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="ID_737" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses id="ID_738" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" unitRef="USD" decimals="-6">-1000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses id="ID_739" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" unitRef="USD" decimals="-6">-1000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses id="ID_740" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses id="ID_741" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="ID_742" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" unitRef="USD" decimals="-6">35000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses id="ID_743" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" unitRef="USD" decimals="-6">-1000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="ID_744" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses id="ID_745" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="ID_746" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">1759000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses id="ID_747" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">-67000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="ID_748" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">123000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses id="ID_749" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">-17000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses id="ID_750" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses id="ID_751" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="ID_752" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="ID_753" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <axp:AvailableForSaleSecuritiesRatioOfFairValueToAmortizedCostTextBlock id="ID_754" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table summarizes the gross unrealized losses due to temporary impairments by ratio of fair value to amortized cost as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11.25pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:101.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='7' rowspan='1' style='width:122.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:122.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;Less than 12 months&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td colspan='7' rowspan='1' style='width:122.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:122.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;12 months or more&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td colspan='7' rowspan='1' style='width:122.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:122.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:101.25pt;text-align:left;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Ratio of Fair Value to&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gross&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gross&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Gross&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:101.25pt;text-align:left;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Amortized Cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Number of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Estimated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Unrealized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Number of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Estimated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Unrealized&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Number of&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Estimated&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Unrealized&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:101.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;font-style:italic;color:#000000;' &gt;(Dollars in millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7pt;color:#000000;' &gt;Losses&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' &gt;2014:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:101.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;90%&amp;#8211;100%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; 6 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; 127 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;17 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;104 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;(4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; 23 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; 231 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; (5)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;Total as of September 30, 2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; 6 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; 127 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; 17 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; 104 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; (4)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; 23 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; 231 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' &gt; (5)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:97.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:97.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:101.25pt;text-align:left;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;90%&amp;#8211;100%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;228&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;1,665&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;(53)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;234&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;1,689&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;(55)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:101.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;Less than 90%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;94&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;(14)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;99&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;193&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;(29)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;Total as of December 31, 2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;241&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;1,759&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;(67)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;123&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;(17)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;252&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;1,882&lt;/font&gt;&lt;/td&gt;&lt;td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' &gt;(84)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</axp:AvailableForSaleSecuritiesRatioOfFairValueToAmortizedCostTextBlock>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="ID_755" contextRef="AS_OF_Sep30_2014_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" unitRef="USD" decimals="-6">127000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="ID_756" contextRef="AS_OF_Sep30_2014_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" unitRef="USD" decimals="-6">104000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="ID_757" contextRef="AS_OF_Dec31_2013_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" unitRef="USD" decimals="-6">1665000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="ID_758" contextRef="AS_OF_Dec31_2013_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" unitRef="USD" decimals="-6">24000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue id="ID_759" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">231000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue id="ID_760" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">1882000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue id="ID_761" contextRef="AS_OF_Sep30_2014_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" unitRef="USD" decimals="-6">231000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue id="ID_762" contextRef="AS_OF_Dec31_2013_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" unitRef="USD" decimals="-6">1689000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <us-gaap:AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear id="ID_763" contextRef="AS_OF_Sep30_2014_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" unitRef="mySecurities" decimals="INF">6</us-gaap:AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear>
  <us-gaap:AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear id="ID_764" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="mySecurities" decimals="INF">6</us-gaap:AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear>
  <us-gaap:AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear id="ID_765" contextRef="AS_OF_Dec31_2013_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" unitRef="mySecurities" decimals="INF">228</us-gaap:AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear>
  <us-gaap:AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear id="ID_766" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="mySecurities" decimals="INF">241</us-gaap:AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses id="ID_767" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" unitRef="USD" decimals="-6">-1000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses id="ID_768" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" unitRef="USD" decimals="-6">-53000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses>
  <us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear id="ID_769" contextRef="AS_OF_Dec31_2013_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" unitRef="mySecurities" decimals="INF">6</us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear>
  <us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear id="ID_770" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="mySecurities" decimals="INF">11</us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear>
  <us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear id="ID_771" contextRef="AS_OF_Sep30_2014_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" unitRef="mySecurities" decimals="INF">17</us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear>
  <us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear id="ID_772" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="mySecurities" decimals="INF">17</us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear>
  <us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1 id="ID_773" contextRef="AS_OF_Sep30_2014_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" unitRef="mySecurities" decimals="INF">23</us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1>
  <us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1 id="ID_774" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="mySecurities" decimals="INF">23</us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1>
  <us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1 id="ID_775" contextRef="AS_OF_Dec31_2013_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" unitRef="mySecurities" decimals="INF">234</us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1>
  <us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1 id="ID_776" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="mySecurities" decimals="INF">252</us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses id="ID_777" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" unitRef="USD" decimals="-6">-4000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses id="ID_778" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" unitRef="USD" decimals="-6">-2000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses id="ID_779" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" unitRef="USD" decimals="-6">-5000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses id="ID_780" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" unitRef="USD" decimals="-6">-55000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses id="ID_781" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">-5000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses id="ID_782" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">-84000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear id="ID_783" contextRef="AS_OF_Dec31_2013_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember" unitRef="mySecurities" decimals="INF">13</us-gaap:AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear>
  <us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear id="ID_784" contextRef="AS_OF_Dec31_2013_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember" unitRef="mySecurities" decimals="INF">5</us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="ID_785" contextRef="AS_OF_Dec31_2013_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember" unitRef="USD" decimals="-6">94000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="ID_786" contextRef="AS_OF_Dec31_2013_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember" unitRef="USD" decimals="-6">99000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses id="ID_787" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember" unitRef="USD" decimals="-6">-14000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses id="ID_788" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember" unitRef="USD" decimals="-6">-15000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses>
  <us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1 id="ID_789" contextRef="AS_OF_Dec31_2013_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember" unitRef="mySecurities" decimals="INF">18</us-gaap:AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue id="ID_790" contextRef="AS_OF_Dec31_2013_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember" unitRef="USD" decimals="-6">193000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses id="ID_791" contextRef="FROM_Jan01_2013_TO_Dec31_2013_Entity_0000004962_axp_RatioOfFairValueToAmortizedCostAxis_axp_RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember" unitRef="USD" decimals="-6">-29000000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses>
  <us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock id="ID_792" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;Contractual maturities of investment securities, excluding equity securities and other securities, as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; were as follows: &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:318pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:318pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:56.25pt;' &gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Estimated&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:329.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Cost&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Fair&amp;#160;Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:329.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Due within 1 year&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 579 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 580 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:329.25pt;text-align:left;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Due after 1 year but within 5 years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 435 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 442 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:329.25pt;text-align:left;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Due after 5 years but within 10 years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 235 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 251 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:329.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Due after 10 years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 3,303 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 3,427 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:329.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 4,552 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 4,700 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost id="ID_793" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">579000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost id="ID_794" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">435000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost id="ID_795" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">235000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost id="ID_796" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">3303000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost id="ID_797" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">4552000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue id="ID_798" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">580000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue id="ID_799" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">442000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue id="ID_800" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">251000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue id="ID_801" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">3427000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue>
  <us-gaap:AvailableForSaleSecuritiesDebtSecurities id="ID_802" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">4700000000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
  <axp:SubordinatedSecuritiesOwned id="ID_803" contextRef="AS_OF_Sep30_2014_Entity_0000004962_dei_LegalEntityAxis_axp_AmericanExpressTravelRelatedServicesCompanyIncMember" unitRef="USD" decimals="-8">1000000000</axp:SubordinatedSecuritiesOwned>
  <axp:AssetSecuritizationsTextBlock id="ID_804" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-15.1pt;' &gt;6&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;Asset Securitizations&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The Company periodically securitizes &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; receivables and loans arising from its card business through the transfer of those assets to securitization trusts. The trusts then issue securities to third-party investors, collaterali&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;zed by the transferred assets. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;For information on the Company&amp;#8217;s asset&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; securitizations and related account&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ing policies&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; refer to &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Note 7&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; on&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; page 80&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; of the Annual Report.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:10pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table provides information on the restricted cash held by the American Express Issuance Trust II (the Charge Trust) and the American Express C&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;redit Account Master Trust (the Lending Trust) as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, included in O&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ther assets on the Company&amp;#8217;s Consolidated Balance Sheets:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Charge Trust&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Lending Trust&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;44&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;58&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:10pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;These amounts relate to collections of Card Member receivables and loans to be used by the trusts to fund future expenses and obligations, including interest paid on investor securities, credit losses and upcoming debt maturities.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:10pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:10pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;American Express Trave&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;l Related Services Company, Inc. (&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;TRS&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;), which is a consolidated subsidiary of the Company, is the primary beneficiary of both the trusts. E&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;xcluding its consolidated subsidiaries, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;TRS &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;owns approximately &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;1.0&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; billion of subordinated securities issued&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; by the Lending Trust as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:10pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;Under the respective terms of the Charge Trust and the Lending Trust agreements, the occurrence of certain &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;triggering &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;events &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;associated with the performance of the assets of each trust &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;could result in &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;payment&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; of trust expenses, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;establishment of reserve funds, or in a worst-case scenario, early amortiza&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;tion of investor securities. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;During the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; and the year ended December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; no such triggering events occurred.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</axp:AssetSecuritizationsTextBlock>
  <us-gaap:ScheduleOfRestrictedCashAndCashEquivalentsTextBlock id="ID_805" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:10pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table provides information on the restricted cash held by the American Express Issuance Trust II (the Charge Trust) and the American Express C&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;redit Account Master Trust (the Lending Trust) as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, included in O&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ther assets on the Company&amp;#8217;s Consolidated Balance Sheets:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Charge Trust&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Lending Trust&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;43&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;56&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;44&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15.75pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;58&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfRestrictedCashAndCashEquivalentsTextBlock>
  <us-gaap:TransfersAndServicingOfFinancialAssetsPolicyTextBlock id="ID_806" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The Company periodically securitizes &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; receivables and loans arising from its card business through the transfer of those assets to securitization trusts. The trusts then issue securities to third-party investors, collaterali&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;zed by the transferred assets. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;For information on the Company&amp;#8217;s asset&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; securitizations and related account&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ing policies&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; refer to &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Note 7&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; on&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; page 80&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; of the Annual Report.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:TransfersAndServicingOfFinancialAssetsPolicyTextBlock>
  <us-gaap:RestrictedCashAndCashEquivalents id="ID_807" contextRef="AS_OF_Dec31_2013_Entity_0000004962_dei_LegalEntityAxis_axp_AmericanExpressChargeTrustMember" unitRef="USD" decimals="-6">2000000</us-gaap:RestrictedCashAndCashEquivalents>
  <us-gaap:RestrictedCashAndCashEquivalents id="ID_808" contextRef="AS_OF_Sep30_2014_Entity_0000004962_dei_LegalEntityAxis_axp_AmericanExpressChargeTrustMember" unitRef="USD" decimals="-6">1000000</us-gaap:RestrictedCashAndCashEquivalents>
  <us-gaap:RestrictedCashAndCashEquivalents id="ID_809" contextRef="AS_OF_Sep30_2014_Entity_0000004962_dei_LegalEntityAxis_axp_AmericanExpressLendingTrustMember" unitRef="USD" decimals="-6">43000000</us-gaap:RestrictedCashAndCashEquivalents>
  <us-gaap:RestrictedCashAndCashEquivalents id="ID_810" contextRef="AS_OF_Dec31_2013_Entity_0000004962_dei_LegalEntityAxis_axp_AmericanExpressLendingTrustMember" unitRef="USD" decimals="-6">56000000</us-gaap:RestrictedCashAndCashEquivalents>
  <us-gaap:RestrictedCashAndCashEquivalents id="ID_811" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">44000000</us-gaap:RestrictedCashAndCashEquivalents>
  <us-gaap:RestrictedCashAndCashEquivalents id="ID_812" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">58000000</us-gaap:RestrictedCashAndCashEquivalents>
  <us-gaap:DepositLiabilitiesDisclosuresTextBlock id="ID_813" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-15.85pt;' &gt;7&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;C&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;ustomer &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;D&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;eposits&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;As of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;customer deposits &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;we&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;re categorized as interest &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;bearing or non-interest&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;bearing&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; as follows&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:318.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:318.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;U.S.:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:52.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:52.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Interest bearing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 41,883 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;40,831&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Non-interest bearing (includes Card Member credit balances of: &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2014, $304; 2013, $340)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 336 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;360&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:318.75pt;text-align:left;border-color:Black;min-width:318.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Non-U.S.:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Interest bearing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 108 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;121&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Non-interest bearing (includes Card Member credit balances of: &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:303.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:303.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2014, $361; 2013, $437)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 376 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;451&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:318.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 42,703 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;41,763&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;C&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ustomer deposits &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;by deposit type&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;were &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;as follows&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:311.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;U.S. retail deposits:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:52.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:51.75pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Savings accounts &amp;#8211; Direct&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 26,248 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;24,550&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Certificates of deposit:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:296.25pt;text-align:left;border-color:Black;min-width:296.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Direct&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 355 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;489&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:296.25pt;text-align:left;border-color:Black;min-width:296.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Third-party &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 6,371 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;6,929&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Sweep accounts &amp;#8211; Third-party &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 8,909 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;8,863&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Other retail deposits:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Non-U.S. deposits and U.S. non-interest bearing deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 155 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;155&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:311.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card Member credit balances &amp;#8213; U.S. and non-U.S.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 665 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;777&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 42,703 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;41,763&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The scheduled maturities of certificates of deposit as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;we&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;re as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:267pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:267pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;U.S.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Non-U.S.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:267pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:267pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1,073 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 3 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1,076 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:267pt;text-align:left;border-color:Black;min-width:267pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2015&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1,259 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 4 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1,263 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:267pt;text-align:left;border-color:Black;min-width:267pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1,684 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1,684 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:267pt;text-align:left;border-color:Black;min-width:267pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 937 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 937 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:267pt;text-align:left;border-color:Black;min-width:267pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1,089 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1,089 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:267pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:267pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;After 5 years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 684 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 684 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:267pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:267pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 6,726 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 7 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 6,733 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;As of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;certificates of&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; deposit in denominations of $25&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;0,000 or more&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, in the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;aggregate&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; were as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:326.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:326.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:326.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;U.S.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 115 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;148&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Non-U.S.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 2 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#8213;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:326.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:326.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 117 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;148&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:DepositLiabilitiesDisclosuresTextBlock>
  <axp:DepositsByComponentAlternativeTextBlock id="ID_814" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;As of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;customer deposits &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;we&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;re categorized as interest &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;bearing or non-interest&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;bearing&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; as follows&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:318.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:318.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;U.S.:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:52.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:52.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Interest bearing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 41,883 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;40,831&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Non-interest bearing (includes Card Member credit balances of: &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2014, $304; 2013, $340)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 336 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;360&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:318.75pt;text-align:left;border-color:Black;min-width:318.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Non-U.S.:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Interest bearing&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 108 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;121&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Non-interest bearing (includes Card Member credit balances of: &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:303.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:303.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2014, $361; 2013, $437)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 376 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;451&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:318.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 42,703 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;41,763&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</axp:DepositsByComponentAlternativeTextBlock>
  <us-gaap:InterestBearingDepositLiabilitiesDomestic id="ID_815" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">41883000000</us-gaap:InterestBearingDepositLiabilitiesDomestic>
  <us-gaap:NoninterestBearingDepositLiabilitiesDomestic id="ID_816" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">336000000</us-gaap:NoninterestBearingDepositLiabilitiesDomestic>
  <us-gaap:InterestBearingDepositLiabilitiesForeign id="ID_817" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">108000000</us-gaap:InterestBearingDepositLiabilitiesForeign>
  <us-gaap:NoninterestBearingDepositLiabilitiesForeign id="ID_818" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">376000000</us-gaap:NoninterestBearingDepositLiabilitiesForeign>
  <us-gaap:InterestBearingDepositLiabilitiesDomestic id="ID_819" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">40831000000</us-gaap:InterestBearingDepositLiabilitiesDomestic>
  <us-gaap:NoninterestBearingDepositLiabilitiesDomestic id="ID_820" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">360000000</us-gaap:NoninterestBearingDepositLiabilitiesDomestic>
  <us-gaap:InterestBearingDepositLiabilitiesForeign id="ID_821" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">121000000</us-gaap:InterestBearingDepositLiabilitiesForeign>
  <us-gaap:NoninterestBearingDepositLiabilitiesForeign id="ID_822" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">451000000</us-gaap:NoninterestBearingDepositLiabilitiesForeign>
  <us-gaap:NoninterestBearingDepositLiabilitiesDomestic id="ID_823" contextRef="AS_OF_Sep30_2014_Entity_0000004962_axp_CreditBalancesAxis_axp_CardmemberCreditBalancesMember" unitRef="USD" decimals="-6">304000000</us-gaap:NoninterestBearingDepositLiabilitiesDomestic>
  <us-gaap:NoninterestBearingDepositLiabilitiesDomestic id="ID_824" contextRef="AS_OF_Dec31_2013_Entity_0000004962_axp_CreditBalancesAxis_axp_CardmemberCreditBalancesMember" unitRef="USD" decimals="-6">340000000</us-gaap:NoninterestBearingDepositLiabilitiesDomestic>
  <us-gaap:NoninterestBearingDepositLiabilitiesForeign id="ID_825" contextRef="AS_OF_Dec31_2013_Entity_0000004962_axp_CreditBalancesAxis_axp_CardmemberCreditBalancesMember" unitRef="USD" decimals="-6">437000000</us-gaap:NoninterestBearingDepositLiabilitiesForeign>
  <us-gaap:NoninterestBearingDepositLiabilitiesForeign id="ID_826" contextRef="AS_OF_Sep30_2014_Entity_0000004962_axp_CreditBalancesAxis_axp_CardmemberCreditBalancesMember" unitRef="USD" decimals="-6">361000000</us-gaap:NoninterestBearingDepositLiabilitiesForeign>
  <axp:DepositsByTypeTextBlock id="ID_827" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;C&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ustomer deposits &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;by deposit type&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;were &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;as follows&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:311.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;U.S. retail deposits:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:52.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:51.75pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Savings accounts &amp;#8211; Direct&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 26,248 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;24,550&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Certificates of deposit:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:296.25pt;text-align:left;border-color:Black;min-width:296.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Direct&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 355 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;489&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:296.25pt;text-align:left;border-color:Black;min-width:296.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Third-party &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 6,371 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;6,929&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Sweep accounts &amp;#8211; Third-party &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 8,909 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;8,863&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Other retail deposits:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Non-U.S. deposits and U.S. non-interest bearing deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 155 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;155&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:311.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card Member credit balances &amp;#8213; U.S. and non-U.S.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 665 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;/td&gt;&lt;td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;777&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:311.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:52.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 42,703 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:51.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;41,763&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</axp:DepositsByTypeTextBlock>
  <axp:ThirdPartyCertificatesOfDeposit id="ID_828" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">6371000000</axp:ThirdPartyCertificatesOfDeposit>
  <axp:ThirdPartySweepAccounts id="ID_829" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">8909000000</axp:ThirdPartySweepAccounts>
  <axp:ThirdPartyCertificatesOfDeposit id="ID_830" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">6929000000</axp:ThirdPartyCertificatesOfDeposit>
  <axp:ThirdPartySweepAccounts id="ID_831" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">8863000000</axp:ThirdPartySweepAccounts>
  <us-gaap:InterestBearingDomesticDepositSavings id="ID_832" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">26248000000</us-gaap:InterestBearingDomesticDepositSavings>
  <us-gaap:InterestBearingDomesticDepositCertificatesOfDeposits id="ID_833" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">355000000</us-gaap:InterestBearingDomesticDepositCertificatesOfDeposits>
  <us-gaap:InterestBearingDomesticDepositCertificatesOfDeposits id="ID_834" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">489000000</us-gaap:InterestBearingDomesticDepositCertificatesOfDeposits>
  <us-gaap:InterestBearingDomesticDepositSavings id="ID_835" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">24550000000</us-gaap:InterestBearingDomesticDepositSavings>
  <axp:DomesticAndForeignCardmemberCreditBalances id="ID_836" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">777000000</axp:DomesticAndForeignCardmemberCreditBalances>
  <us-gaap:InterestBearingDomesticDepositOtherTimeDeposit id="ID_837" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">155000000</us-gaap:InterestBearingDomesticDepositOtherTimeDeposit>
  <us-gaap:InterestBearingDomesticDepositOtherTimeDeposit id="ID_838" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">155000000</us-gaap:InterestBearingDomesticDepositOtherTimeDeposit>
  <axp:DomesticAndForeignCardmemberCreditBalances id="ID_839" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">665000000</axp:DomesticAndForeignCardmemberCreditBalances>
  <axp:TimeDepositsByMaturityTextBlock id="ID_840" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The scheduled maturities of certificates of deposit as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;we&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;re as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:267pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:267pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;U.S.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Non-U.S.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:267pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:267pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1,073 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 3 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1,076 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:267pt;text-align:left;border-color:Black;min-width:267pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2015&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1,259 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 4 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1,263 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:267pt;text-align:left;border-color:Black;min-width:267pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2016&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1,684 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1,684 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:267pt;text-align:left;border-color:Black;min-width:267pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 937 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 937 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:267pt;text-align:left;border-color:Black;min-width:267pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1,089 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1,089 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:267pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:267pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;After 5 years&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 684 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 684 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:267pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:267pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 6,726 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 7 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:21pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:21pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 6,733 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</axp:TimeDepositsByMaturityTextBlock>
  <us-gaap:TimeDepositMaturitiesYearOne id="ID_841" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1076000000</us-gaap:TimeDepositMaturitiesYearOne>
  <us-gaap:TimeDepositMaturitiesYearTwo id="ID_842" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1263000000</us-gaap:TimeDepositMaturitiesYearTwo>
  <us-gaap:TimeDepositMaturitiesYearThree id="ID_843" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1684000000</us-gaap:TimeDepositMaturitiesYearThree>
  <us-gaap:TimeDepositMaturitiesYearFour id="ID_844" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">937000000</us-gaap:TimeDepositMaturitiesYearFour>
  <us-gaap:TimeDepositMaturitiesYearFive id="ID_845" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1089000000</us-gaap:TimeDepositMaturitiesYearFive>
  <us-gaap:TimeDepositMaturitiesAfterYearFive id="ID_846" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">684000000</us-gaap:TimeDepositMaturitiesAfterYearFive>
  <us-gaap:TimeDepositMaturitiesYearOne id="ID_847" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementGeographicalAxis_axp_UnitedStatesMember" unitRef="USD" decimals="-6">1073000000</us-gaap:TimeDepositMaturitiesYearOne>
  <us-gaap:TimeDepositMaturitiesYearTwo id="ID_848" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementGeographicalAxis_axp_UnitedStatesMember" unitRef="USD" decimals="-6">1259000000</us-gaap:TimeDepositMaturitiesYearTwo>
  <us-gaap:TimeDepositMaturitiesYearThree id="ID_849" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementGeographicalAxis_axp_UnitedStatesMember" unitRef="USD" decimals="-6">1684000000</us-gaap:TimeDepositMaturitiesYearThree>
  <us-gaap:TimeDepositMaturitiesYearFour id="ID_850" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementGeographicalAxis_axp_UnitedStatesMember" unitRef="USD" decimals="-6">937000000</us-gaap:TimeDepositMaturitiesYearFour>
  <us-gaap:TimeDepositMaturitiesYearFive id="ID_851" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementGeographicalAxis_axp_UnitedStatesMember" unitRef="USD" decimals="-6">1089000000</us-gaap:TimeDepositMaturitiesYearFive>
  <us-gaap:TimeDepositMaturitiesAfterYearFive id="ID_852" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementGeographicalAxis_axp_UnitedStatesMember" unitRef="USD" decimals="-6">684000000</us-gaap:TimeDepositMaturitiesAfterYearFive>
  <us-gaap:TimeDeposits id="ID_853" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementGeographicalAxis_axp_UnitedStatesMember" unitRef="USD" decimals="-6">6726000000</us-gaap:TimeDeposits>
  <us-gaap:TimeDepositMaturitiesYearOne id="ID_854" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementGeographicalAxis_axp_NonUnitedStatesMember" unitRef="USD" decimals="-6">3000000</us-gaap:TimeDepositMaturitiesYearOne>
  <us-gaap:TimeDepositMaturitiesYearTwo id="ID_855" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementGeographicalAxis_axp_NonUnitedStatesMember" unitRef="USD" decimals="-6">4000000</us-gaap:TimeDepositMaturitiesYearTwo>
  <us-gaap:TimeDepositMaturitiesYearThree id="ID_856" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementGeographicalAxis_axp_NonUnitedStatesMember" unitRef="USD" decimals="-6">0</us-gaap:TimeDepositMaturitiesYearThree>
  <us-gaap:TimeDepositMaturitiesYearFour id="ID_857" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementGeographicalAxis_axp_NonUnitedStatesMember" unitRef="USD" decimals="-6">0</us-gaap:TimeDepositMaturitiesYearFour>
  <us-gaap:TimeDepositMaturitiesYearFive id="ID_858" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementGeographicalAxis_axp_NonUnitedStatesMember" unitRef="USD" decimals="-6">0</us-gaap:TimeDepositMaturitiesYearFive>
  <us-gaap:TimeDepositMaturitiesAfterYearFive id="ID_859" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementGeographicalAxis_axp_NonUnitedStatesMember" unitRef="USD" decimals="-6">0</us-gaap:TimeDepositMaturitiesAfterYearFive>
  <us-gaap:TimeDeposits id="ID_860" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementGeographicalAxis_axp_NonUnitedStatesMember" unitRef="USD" decimals="-6">7000000</us-gaap:TimeDeposits>
  <us-gaap:TimeDeposits id="ID_861" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">6733000000</us-gaap:TimeDeposits>
  <axp:TimeDeposits100000OrMoreTextBlock id="ID_862" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;As of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;certificates of&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; deposit in denominations of $25&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;0,000 or more&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, in the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;aggregate&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; were as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:326.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:326.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:326.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;U.S.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 115 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;148&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Non-U.S.&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 2 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;&amp;#8213;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:326.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:326.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 117 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;148&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</axp:TimeDeposits100000OrMoreTextBlock>
  <us-gaap:TimeDeposits100000OrMoreDomestic id="ID_863" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">115000000</us-gaap:TimeDeposits100000OrMoreDomestic>
  <us-gaap:TimeDeposits100000OrMoreForeign id="ID_864" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">2000000</us-gaap:TimeDeposits100000OrMoreForeign>
  <us-gaap:TimeDeposits100000OrMore id="ID_865" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">117000000</us-gaap:TimeDeposits100000OrMore>
  <us-gaap:TimeDeposits100000OrMoreDomestic id="ID_866" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">148000000</us-gaap:TimeDeposits100000OrMoreDomestic>
  <us-gaap:TimeDeposits100000OrMore id="ID_867" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">148000000</us-gaap:TimeDeposits100000OrMore>
  <us-gaap:TimeDeposits100000OrMoreForeign id="ID_868" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">0</us-gaap:TimeDeposits100000OrMoreForeign>
  <us-gaap:DerivativeAssets id="ID_869" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_CounterpartyNameAxis_axp_RiskExposureLowMember" unitRef="USD" decimals="-6">460000000</us-gaap:DerivativeAssets>
  <axp:DerivativeFairValueOfDerivativeLiabilityNotOffsetAgainstCollateral id="ID_870" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="INF">0</axp:DerivativeFairValueOfDerivativeLiabilityNotOffsetAgainstCollateral>
  <axp:DerivativeFairValueOfDerivativeAssetNotOffsetAgainstCollateral id="ID_871" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="INF">0</axp:DerivativeFairValueOfDerivativeAssetNotOffsetAgainstCollateral>
  <axp:DerivativeFairValueOfDerivativeLiabilityNotOffsetAgainstCollateral id="ID_872" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="INF">0</axp:DerivativeFairValueOfDerivativeLiabilityNotOffsetAgainstCollateral>
  <axp:DerivativeFairValueOfDerivativeAssetNotOffsetAgainstCollateral id="ID_873" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="INF">0</axp:DerivativeFairValueOfDerivativeAssetNotOffsetAgainstCollateral>
  <us-gaap:DerivativeAmountOfHedgedItem id="ID_874" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_axp_CreditValuationAdjustmentMember" unitRef="USD" decimals="INF">0</us-gaap:DerivativeAmountOfHedgedItem>
  <us-gaap:DerivativeAmountOfHedgedItem id="ID_875" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_axp_CreditValuationAdjustmentMember" unitRef="USD" decimals="INF">0</us-gaap:DerivativeAmountOfHedgedItem>
  <us-gaap:DerivativeAssets id="ID_876" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_CounterpartyNameAxis_axp_SignificantCounterpartiesMember" unitRef="USD" decimals="-6">0</us-gaap:DerivativeAssets>
  <us-gaap:DerivativeAssets id="ID_877" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_CounterpartyNameAxis_axp_SignificantCounterpartiesMember" unitRef="USD" decimals="-6">0</us-gaap:DerivativeAssets>
  <us-gaap:DerivativeAmountOfHedgedItem id="ID_878" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_FairValueHedgingMember" unitRef="USD" decimals="-8">18200000000</us-gaap:DerivativeAmountOfHedgedItem>
  <us-gaap:DerivativeAmountOfHedgedItem id="ID_879" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_FairValueHedgingMember" unitRef="USD" decimals="-8">14700000000</us-gaap:DerivativeAmountOfHedgedItem>
  <axp:NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges id="ID_880" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">74000000</axp:NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges>
  <axp:NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges id="ID_881" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">76000000</axp:NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges>
  <us-gaap:DerivativeLiabilities id="ID_882" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_CounterpartyNameAxis_axp_SignificantCounterpartiesMember" unitRef="USD" decimals="-6">0</us-gaap:DerivativeLiabilities>
  <us-gaap:DerivativeLiabilities id="ID_883" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_CounterpartyNameAxis_axp_SignificantCounterpartiesMember" unitRef="USD" decimals="-6">0</us-gaap:DerivativeLiabilities>
  <us-gaap:AvailableForSaleSecuritiesEquitySecurities id="ID_884" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember_us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_axp_IcbcMember" unitRef="USD" decimals="-5">0</us-gaap:AvailableForSaleSecuritiesEquitySecurities>
  <us-gaap:AvailableForSaleSecuritiesEquitySecurities id="ID_885" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember_us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_axp_IcbcMember" unitRef="USD" decimals="-6">122000000</us-gaap:AvailableForSaleSecuritiesEquitySecurities>
  <axp:MarginOnInterestRateSwapNotNetted id="ID_886" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">26000000</axp:MarginOnInterestRateSwapNotNetted>
  <axp:MarginOnInterestRateSwapNotNetted id="ID_887" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">97000000</axp:MarginOnInterestRateSwapNotNetted>
  <axp:EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax id="ID_888" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_NetInvestmentHedgingMember" unitRef="USD" decimals="-6">246000000</axp:EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax>
  <axp:EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax id="ID_889" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_NetInvestmentHedgingMember" unitRef="USD" decimals="-6">-123000000</axp:EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax>
  <us-gaap:DerivativeLiabilities id="ID_890" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_CounterpartyNameAxis_axp_RiskExposureLowMember" unitRef="USD" decimals="-6">0</us-gaap:DerivativeLiabilities>
  <us-gaap:DerivativeLiabilities id="ID_891" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_CounterpartyNameAxis_axp_RiskExposureLowMember" unitRef="USD" decimals="-6">0</us-gaap:DerivativeLiabilities>
  <axp:SharesHeldInEquityInvestmentSold id="ID_892" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="shares" decimals="-5">34300000</axp:SharesHeldInEquityInvestmentSold>
  <axp:SharesHeldInEquityInvestmentSold id="ID_893" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="shares" decimals="-5">180700000</axp:SharesHeldInEquityInvestmentSold>
  <axp:NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges id="ID_894" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">217000000</axp:NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges>
  <axp:NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges id="ID_895" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">280000000</axp:NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges>
  <axp:EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax id="ID_896" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_NetInvestmentHedgingMember" unitRef="USD" decimals="-6">113000000</axp:EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax>
  <axp:EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax id="ID_897" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_NetInvestmentHedgingMember" unitRef="USD" decimals="-6">160000000</axp:EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax>
  <us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock id="ID_898" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-15.85pt;color:#000000;' &gt;8&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' &gt;. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' &gt;  &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' &gt;Derivatives and Hedging Activities&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;The Company uses derivative financial instruments (derivatives) to manage exposures to various market risks. Derivatives derive their value from an underlying variable or multiple variables, including &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;interest rate, foreign exchange, and equity index or price. These instruments enable end users to increase, reduce or alter exposure to various market risks and, for that reason, are an integral component of the Com&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;pany&amp;#8217;s market risk management. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;The Compan&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;y does not engage in derivatives for trading purposes.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; For information on the Company&amp;#8217;s derivative instruments and the related accounting policies, refer to Note 12 on pages 87 &amp;#8211; 90 of the Annual Report.  &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;In relation to the Company&amp;#8217;s credit risk, under t&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;he terms of the derivative agreements it has with its various counterparties, the Company is not required to either immediately settle any outstanding liability balances or post collateral upon the occurrence of a specified credit risk-related event&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;Base&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;d on the assessment of credit risk of the Company&amp;#8217;s derivative counterparties as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, the Company does not have derivative positions that warrant credit valuation adjustments&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The Company&amp;#8217;s derivatives are &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;carried at fair value on th&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;e Consolidated Balance Sheets. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Refer to Note &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;3 on pages &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;68 &amp;#8211; 71&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; of the Annual Report&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; for a description of the Company&amp;#8217;s methodology for determining the fair value of derivatives.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following t&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;able summarizes the total &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;fair val&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ue, excluding interest acc&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ruals, of derivative assets and l&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;iabilities as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:270.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:270.75pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:90.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:90.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Other Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:90.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:90.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Other Liabilities&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:270.75pt;text-align:left;border-color:Black;min-width:270.75pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:90.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:90.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:90.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:90.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:279pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:279pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Derivatives designated as hedging instruments:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:279pt;text-align:left;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Interest rate contracts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:270.75pt;text-align:left;border-color:Black;min-width:270.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Fair value hedges&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 309 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 455 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 27 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 2 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:279pt;text-align:left;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total return contract&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:270.75pt;text-align:left;border-color:Black;min-width:270.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Fair value hedge&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 8 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:279pt;text-align:left;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Foreign exchange contracts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:270.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:270.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Net investment hedges&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 384 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 174 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 57 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;116 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:279pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total derivatives designated as hedging instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 693 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 637 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 84 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 118 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:279pt;text-align:left;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Derivatives not designated as hedging instruments:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:270.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:270.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Foreign exchange contracts, including certain embedded derivatives&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 129 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 64 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 162 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;95 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:279pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total derivatives, gross&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 822 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 701 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 246 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 213 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:279pt;text-align:left;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Less: Cash collateral netting&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(b) &lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; (125)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; (336)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; (27)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:279pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;          Derivative asset and derivative liability netting&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(c) &lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; (126)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; (36)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; (126)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; (36)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:279pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total derivatives, net&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(d)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 571 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 329 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 93 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 177 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:0pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Includes foreign currency derivatives embedded in certain operating agreements.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Represents the offsetting of derivative instruments and the right to reclaim cash collateral (a receivable) or the obligation to return cash collateral (a payable) arising &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;from derivative instrument(s) executed with the same counterparty under an enforceable master netting arrangement.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; Additionally, the Company received noncash collateral from a counterparty in the form of security interest in U.S. Treasury securities with a&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; fair value of $111 million and nil as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, respectively&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, none of which was sold or &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;repledged&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;. Such noncash collateral economically reduces the Company&amp;#8217;s risk exposure to $460 million as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, but d&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;oes not reduce the net exposure on the Company&amp;#8217;s Consolidated Balance Sheets. Additionally, the Company posted &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;97&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;26&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, respectively&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, as initial margin on its cent&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;rally cleared interest rate swaps; such amounts are recorded within other receivables on the Company&amp;#8217;s Consolidated Balance Sheets and are not netted against the derivative balances.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Represents the amount of netting of derivative assets and derivative liab&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;ilities executed with the same counterparty under an enforceable master netting arrangement.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;The Company has no individually significant derivative counterparties and therefore, no significant risk exposure to any single derivative counterparty. The total &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;net derivative assets and derivative liabilities are presented within &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;O&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;ther assets and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;O&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;ther liabilities on the Company&amp;#8217;s Consolidated Balance Sheets.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;A majority of the Company&amp;#8217;s derivative assets and liabilities as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;are subject to master netting agreements with its derivative counterparties. In addition, the Company has &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;no&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; derivative amounts subject to enforceable master netting arrangements that are not offset on the Company&amp;#8217;s Consolidated Balance Sheets.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' &gt;Der&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' &gt;ivative Financial Instruments that Qualify for Hedge Accounting &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:10pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;Refer to Note 12 on&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; pages &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;89 &amp;#8211; 90&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; of the Annual Report for information on derivatives that qualify for hedge accounting.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:10pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' &gt;Fair Value Hedges&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;font-style:italic;margin-left:0pt;color:#000000;' &gt;Interest Rate Contracts&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;The Company is exposed to interest rate risk associated with its fixed-rate long-term debt. The Company uses interest rate swaps to &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;economically &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;convert certain fixed-rate debt &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;obligations &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;to floating-rate &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;obligations &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;at the time of issuance. As of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; the Company hedged &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;18.2&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; billion and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;14.7&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; billion&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, respectively, of its fixed-rate debt to floating-rate debt using interest rate swaps.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;font-style:italic;margin-left:0pt;color:#000000;' &gt;Total Return Contract&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;The Company hedged its exposure to changes&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; in the fair value of its equity investment in ICBC in local currency. The Company used a total return contract (TRC) to transfer this exposure to its derivative counterparty. On July 18, 2014, the Company sold its remaining 34.3 million shares in ICBC and&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; terminated the TRC. As of&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, the fair value of the equity investment in ICBC was $122 million &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;(&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;180.7 million shares). Prior to termination, to the extent the hedge was effective, the gain or loss on the TRC offset the gain or loss on th&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;e investment in ICBC. Any difference between the changes in the fair value of the derivative and the hedged item resulted in hedge ineffectiveness and was recognized in &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; expenses in the Consolidated Statements of Income. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;The following table summarizes the impact on the Consolidated Statements of Income associated with the Company&amp;#8217;s hedges of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;its &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;fixed-rate long-term debt&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; and its investment in ICBC for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;three and nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:168.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:168.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;For the Three Months Ended September 30:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='21' rowspan='1' style='width:397.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:397.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Gains (losses) recognized in income&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='7' rowspan='1' style='width:160.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:160.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Derivative contract&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='7' rowspan='1' style='width:160.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:160.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Hedged item&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:64.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net hedge&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:64.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;ineffectiveness&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Derivative relationship&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Income Statement Line Item&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Income Statement Line Item&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Interest rate contracts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Other expenses&amp;#160;&amp;#160;&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;(109)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Other expenses&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;112&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Total return contract&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:90pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Other non-interest revenues&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:90pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Other non-interest revenues&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;21 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:168.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:168.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;For the Nine Months Ended September 30:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='21' rowspan='1' style='width:397.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:397.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Gains (losses) recognized in income&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='7' rowspan='1' style='width:160.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:160.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Derivative contract&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='7' rowspan='1' style='width:160.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:160.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Hedged item&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:64.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net hedge&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:64.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;ineffectiveness&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Derivative relationship&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Income Statement Line Item&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Income Statement Line Item&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Interest rate contracts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Other expenses&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;(170)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;(305)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Other expenses&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;176&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;295&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Total return contract&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:90pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Other non-interest revenues&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:90pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Other non-interest revenues&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;10 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;The Company also recognized a net reduction in interest expense on long-term debt of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;74&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;million &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;76&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;million &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;for the three months ended &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;respectively, and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;217&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; million and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;280&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; million for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, respectively, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;primarily related to the net settlements (interest accruals) on the Company&amp;#8217;s interest rate derivatives designated as fair value hedges.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' &gt;Net Investment Hedges&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;The effective&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; portion of the gain or (loss) on net investment hedges, net of taxes, recorded in AOCI as part of the cu&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;mulative translation adjustment&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; was &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;246&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; million and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;(123)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;million for the three months ended &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; respectively, and was &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;113&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; million and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;160&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; million for the nine months ended &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, respectively. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;Any ineffective portion of the gain or &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;(&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;loss&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; on net investmen&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;t hedges is recognized in o&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;ther&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; expenses d&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;uring the period of change&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;During the three months ended &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, the Company reclassified &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; million and nil, respectively, and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;9&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; million and nil for the nine months ended September 30, 2014 and 2013, respectively, from AOCI to earnings as a component of o&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;ther expenses. No ineffectiveness associated with net investment hedges was reclassified from AOCI into income during the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;three and nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' &gt;Derivatives Not Designated as Hedges&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;For information on derivatives not designated as hedges, refer to Note 12 on page 90 of the Annual Report.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:13.8pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;The following table summarizes the impact &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;on pretax earnings &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;of derivatives not designated as hedges&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, as &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;reported&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; on the Consolidated Statements of Income&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;three and nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:115.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:115.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='11' rowspan='1' style='width:226.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:226.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Pretax gains&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119.25pt;text-align:left;border-color:Black;min-width:119.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:115.5pt;text-align:center;border-color:Black;min-width:115.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:109.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:109.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;For the Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:109.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:109.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;For the Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119.25pt;text-align:left;border-color:Black;min-width:119.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:115.5pt;text-align:center;border-color:Black;min-width:115.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:109.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:109.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:109.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:109.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119.25pt;text-align:left;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:115.5pt;text-align:left;border-color:Black;min-width:115.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:109.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:109.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:109.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:109.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Description &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:115.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:115.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Income Statement Line Item&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Interest rate contracts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:115.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:115.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Other expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119.25pt;text-align:left;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Foreign exchange contracts&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:4pt;color:#000000;' &gt; &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:115.5pt;text-align:left;border-color:Black;min-width:115.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Other expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 25 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;84&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 108 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:115.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:115.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Cost of Card Member services &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:119.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:115.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:115.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;88&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;109&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:0pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Foreign exchange contracts include forwards and embedded foreign currency derivatives&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;</us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock>
  <us-gaap:ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock id="ID_899" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following t&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;able summarizes the total &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;fair val&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ue, excluding interest acc&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ruals, of derivative assets and l&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;iabilities as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:270.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:270.75pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:90.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:90.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Other Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:90.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:90.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Other Liabilities&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:270.75pt;text-align:left;border-color:Black;min-width:270.75pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:90.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:90.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:90.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:90.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:279pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:279pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Derivatives designated as hedging instruments:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:279pt;text-align:left;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Interest rate contracts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:270.75pt;text-align:left;border-color:Black;min-width:270.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Fair value hedges&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 309 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 455 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 27 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 2 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:279pt;text-align:left;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total return contract&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:270.75pt;text-align:left;border-color:Black;min-width:270.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Fair value hedge&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 8 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:279pt;text-align:left;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Foreign exchange contracts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:270.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:270.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Net investment hedges&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 384 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 174 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 57 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;116 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:279pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total derivatives designated as hedging instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 693 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 637 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 84 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 118 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:279pt;text-align:left;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Derivatives not designated as hedging instruments:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:270.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:270.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Foreign exchange contracts, including certain embedded derivatives&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 129 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 64 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 162 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;95 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:279pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total derivatives, gross&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 822 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 701 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 246 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 213 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:279pt;text-align:left;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Less: Cash collateral netting&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(b) &lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; (125)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; (336)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; (27)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:279pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;          Derivative asset and derivative liability netting&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(c) &lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; (126)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; (36)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; (126)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; (36)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:279pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total derivatives, net&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(d)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 571 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 329 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 93 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:32.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 177 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:0pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Includes foreign currency derivatives embedded in certain operating agreements.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Represents the offsetting of derivative instruments and the right to reclaim cash collateral (a receivable) or the obligation to return cash collateral (a payable) arising &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;from derivative instrument(s) executed with the same counterparty under an enforceable master netting arrangement.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; Additionally, the Company received noncash collateral from a counterparty in the form of security interest in U.S. Treasury securities with a&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; fair value of $111 million and nil as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, respectively&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, none of which was sold or &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;repledged&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;. Such noncash collateral economically reduces the Company&amp;#8217;s risk exposure to $460 million as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, but d&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;oes not reduce the net exposure on the Company&amp;#8217;s Consolidated Balance Sheets. Additionally, the Company posted &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;97&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;26&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; million as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, respectively&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, as initial margin on its cent&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;rally cleared interest rate swaps; such amounts are recorded within other receivables on the Company&amp;#8217;s Consolidated Balance Sheets and are not netted against the derivative balances.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Represents the amount of netting of derivative assets and derivative liab&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;ilities executed with the same counterparty under an enforceable master netting arrangement.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;The Company has no individually significant derivative counterparties and therefore, no significant risk exposure to any single derivative counterparty. The total &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;net derivative assets and derivative liabilities are presented within &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;O&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;ther assets and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;O&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;ther liabilities on the Company&amp;#8217;s Consolidated Balance Sheets.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock>
  <us-gaap:DerivativesPolicyTextBlock id="ID_900" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;The Company uses derivative financial instruments (derivatives) to manage exposures to various market risks. Derivatives derive their value from an underlying variable or multiple variables, including &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;interest rate, foreign exchange, and equity index or price. These instruments enable end users to increase, reduce or alter exposure to various market risks and, for that reason, are an integral component of the Com&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;pany&amp;#8217;s market risk management. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;The Compan&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;y does not engage in derivatives for trading purposes.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; For information on the Company&amp;#8217;s derivative instruments and the related accounting policies, refer to Note 12 on pages 87 &amp;#8211; 90 of the Annual Report.  &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' &gt;Der&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' &gt;ivative Financial Instruments that Qualify for Hedge Accounting &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:10pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;Refer to Note 12 on&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; pages &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;89 &amp;#8211; 90&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; of the Annual Report for information on derivatives that qualify for hedge accounting.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:10pt;' &gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' &gt;Derivatives Not Designated as Hedges&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;For information on derivatives not designated as hedges, refer to Note 12 on page 90 of the Annual Report.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:13.8pt;' &gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:DerivativesPolicyTextBlock>
  <us-gaap:DerivativeFairValueOfDerivativeAsset id="ID_901" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember" unitRef="USD" decimals="-6">455000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
  <us-gaap:DerivativeFairValueOfDerivativeAsset id="ID_902" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember" unitRef="USD" decimals="-6">174000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
  <us-gaap:DerivativeFairValueOfDerivativeAsset id="ID_903" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember" unitRef="USD" decimals="-6">637000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
  <us-gaap:DerivativeFairValueOfDerivativeAsset id="ID_904" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember" unitRef="USD" decimals="-6">64000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
  <us-gaap:DerivativeFairValueOfDerivativeLiability id="ID_905" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember" unitRef="USD" decimals="-6">27000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
  <us-gaap:DerivativeFairValueOfDerivativeLiability id="ID_906" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember" unitRef="USD" decimals="-6">57000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
  <us-gaap:DerivativeFairValueOfDerivativeLiability id="ID_907" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember" unitRef="USD" decimals="-6">84000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
  <us-gaap:DerivativeFairValueOfDerivativeLiability id="ID_908" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember" unitRef="USD" decimals="-6">162000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
  <us-gaap:DerivativeFairValueOfDerivativeLiability id="ID_909" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember" unitRef="USD" decimals="-6">2000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
  <us-gaap:DerivativeFairValueOfDerivativeLiability id="ID_910" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember" unitRef="USD" decimals="-6">116000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
  <us-gaap:DerivativeFairValueOfDerivativeLiability id="ID_911" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember" unitRef="USD" decimals="-6">118000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
  <us-gaap:DerivativeFairValueOfDerivativeLiability id="ID_912" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember" unitRef="USD" decimals="-6">95000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
  <us-gaap:DerivativeFairValueOfDerivativeAsset id="ID_913" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember" unitRef="USD" decimals="-6">8000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
  <us-gaap:DerivativeFairValueOfDerivativeLiability id="ID_914" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember" unitRef="USD" decimals="-6">0</us-gaap:DerivativeFairValueOfDerivativeLiability>
  <us-gaap:DerivativeFairValueOfDerivativeLiability id="ID_915" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember" unitRef="USD" decimals="-6">0</us-gaap:DerivativeFairValueOfDerivativeLiability>
  <axp:CashCollateralNetting id="ID_916" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember" unitRef="USD" decimals="-6">-336000000</axp:CashCollateralNetting>
  <axp:CashCollateralNetting id="ID_917" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember" unitRef="USD" decimals="-6">-27000000</axp:CashCollateralNetting>
  <axp:CashCollateralNetting id="ID_918" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember" unitRef="USD" decimals="-6">0</axp:CashCollateralNetting>
  <axp:DerivativeAssetAndLiabilityNetting id="ID_919" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember" unitRef="USD" decimals="-6">-36000000</axp:DerivativeAssetAndLiabilityNetting>
  <axp:DerivativeAssetAndLiabilityNetting id="ID_920" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember" unitRef="USD" decimals="-6">-36000000</axp:DerivativeAssetAndLiabilityNetting>
  <axp:DerivativeAssetAndLiabilityNetting id="ID_921" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember" unitRef="USD" decimals="-6">-126000000</axp:DerivativeAssetAndLiabilityNetting>
  <us-gaap:DerivativeAssets id="ID_922" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember" unitRef="USD" decimals="-6">329000000</us-gaap:DerivativeAssets>
  <us-gaap:DerivativeLiabilities id="ID_923" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember" unitRef="USD" decimals="-6">177000000</us-gaap:DerivativeLiabilities>
  <us-gaap:DerivativeLiabilities id="ID_924" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember" unitRef="USD" decimals="-6">93000000</us-gaap:DerivativeLiabilities>
  <us-gaap:DerivativeFairValueOfDerivativeAsset id="ID_925" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember" unitRef="USD" decimals="-6">309000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
  <us-gaap:DerivativeFairValueOfDerivativeAsset id="ID_926" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember" unitRef="USD" decimals="-6">0</us-gaap:DerivativeFairValueOfDerivativeAsset>
  <us-gaap:DerivativeFairValueOfDerivativeAsset id="ID_927" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember" unitRef="USD" decimals="-6">384000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
  <us-gaap:DerivativeFairValueOfDerivativeAsset id="ID_928" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember_us-gaap_HedgingDesignationAxis_us-gaap_DesignatedAsHedgingInstrumentMember" unitRef="USD" decimals="-6">693000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
  <us-gaap:DerivativeFairValueOfDerivativeAsset id="ID_929" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember" unitRef="USD" decimals="-6">129000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
  <axp:CashCollateralNetting id="ID_930" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember" unitRef="USD" decimals="-6">-125000000</axp:CashCollateralNetting>
  <axp:DerivativeAssetAndLiabilityNetting id="ID_931" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember" unitRef="USD" decimals="-6">-126000000</axp:DerivativeAssetAndLiabilityNetting>
  <us-gaap:DerivativeAssets id="ID_932" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember" unitRef="USD" decimals="-6">571000000</us-gaap:DerivativeAssets>
  <us-gaap:DerivativeFairValueOfDerivativeAsset id="ID_933" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember" unitRef="USD" decimals="-6">822000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
  <us-gaap:DerivativeFairValueOfDerivativeAsset id="ID_934" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherAssetsMember" unitRef="USD" decimals="-6">701000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
  <us-gaap:DerivativeFairValueOfDerivativeLiability id="ID_935" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember" unitRef="USD" decimals="-6">246000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
  <us-gaap:DerivativeFairValueOfDerivativeLiability id="ID_936" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_BalanceSheetLocationAxis_us-gaap_OtherLiabilitiesMember" unitRef="USD" decimals="-6">213000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
  <axp:EffectOfFairValueHedgesOnResultsOfOperationsTextBlock id="ID_937" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;The following table summarizes the impact on the Consolidated Statements of Income associated with the Company&amp;#8217;s hedges of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;its &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;fixed-rate long-term debt&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; and its investment in ICBC for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;three and nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:168.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:168.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;For the Three Months Ended September 30:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='21' rowspan='1' style='width:397.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:397.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Gains (losses) recognized in income&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='7' rowspan='1' style='width:160.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:160.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Derivative contract&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='7' rowspan='1' style='width:160.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:160.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Hedged item&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:64.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net hedge&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:64.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;ineffectiveness&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Derivative relationship&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Income Statement Line Item&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Income Statement Line Item&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Interest rate contracts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Other expenses&amp;#160;&amp;#160;&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;(109)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Other expenses&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;112&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;(6)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Total return contract&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:90pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Other non-interest revenues&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:90pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Other non-interest revenues&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;21 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:168.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:168.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;For the Nine Months Ended September 30:&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='21' rowspan='1' style='width:397.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:397.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Gains (losses) recognized in income&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='7' rowspan='1' style='width:160.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:160.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Derivative contract&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='7' rowspan='1' style='width:160.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:160.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Hedged item&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:64.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net hedge&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:64.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;ineffectiveness&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Derivative relationship&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Income Statement Line Item&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Income Statement Line Item&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Interest rate contracts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Other expenses&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;(170)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;(305)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Other expenses&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;176&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;295&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:72pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Total return contract&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:90pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Other non-interest revenues&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;(10)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:90pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:90pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Other non-interest revenues&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;10 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</axp:EffectOfFairValueHedgesOnResultsOfOperationsTextBlock>
  <us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1 id="ID_938" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="-6">-109000000</us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1>
  <us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1 id="ID_939" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherIncomeMember" unitRef="USD" decimals="-6">0</us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1>
  <us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1 id="ID_940" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="-6">-11000000</us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1>
  <us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1 id="ID_941" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherIncomeMember" unitRef="USD" decimals="-6">-21000000</us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1>
  <us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1 id="ID_942" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="-6">112000000</us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1>
  <us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1 id="ID_943" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherIncomeMember" unitRef="USD" decimals="-6">0</us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1>
  <us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1 id="ID_944" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="-6">5000000</us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1>
  <us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1 id="ID_945" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherIncomeMember" unitRef="USD" decimals="-6">21000000</us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1>
  <us-gaap:GainLossOnFairValueHedgeIneffectivenessNet id="ID_946" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="-6">3000000</us-gaap:GainLossOnFairValueHedgeIneffectivenessNet>
  <us-gaap:GainLossOnFairValueHedgeIneffectivenessNet id="ID_947" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherIncomeMember" unitRef="USD" decimals="-6">0</us-gaap:GainLossOnFairValueHedgeIneffectivenessNet>
  <us-gaap:GainLossOnFairValueHedgeIneffectivenessNet id="ID_948" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="-6">-6000000</us-gaap:GainLossOnFairValueHedgeIneffectivenessNet>
  <us-gaap:GainLossOnFairValueHedgeIneffectivenessNet id="ID_949" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherIncomeMember" unitRef="USD" decimals="-6">0</us-gaap:GainLossOnFairValueHedgeIneffectivenessNet>
  <us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1 id="ID_950" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="-6">-170000000</us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1>
  <us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1 id="ID_951" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="-6">176000000</us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1>
  <us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1 id="ID_952" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="-6">-305000000</us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1>
  <us-gaap:GainLossOnFairValueHedgeIneffectivenessNet id="ID_953" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="-6">-10000000</us-gaap:GainLossOnFairValueHedgeIneffectivenessNet>
  <us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1 id="ID_954" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="-6">295000000</us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1>
  <us-gaap:GainLossOnFairValueHedgeIneffectivenessNet id="ID_955" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="-6">6000000</us-gaap:GainLossOnFairValueHedgeIneffectivenessNet>
  <us-gaap:GainLossOnFairValueHedgeIneffectivenessNet id="ID_956" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherIncomeMember" unitRef="USD" decimals="-6">0</us-gaap:GainLossOnFairValueHedgeIneffectivenessNet>
  <us-gaap:GainLossOnFairValueHedgeIneffectivenessNet id="ID_957" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherIncomeMember" unitRef="USD" decimals="-6">0</us-gaap:GainLossOnFairValueHedgeIneffectivenessNet>
  <us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1 id="ID_958" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherIncomeMember" unitRef="USD" decimals="-6">-10000000</us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1>
  <us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1 id="ID_959" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherIncomeMember" unitRef="USD" decimals="-6">11000000</us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1>
  <us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1 id="ID_960" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherIncomeMember" unitRef="USD" decimals="-6">10000000</us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1>
  <us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1 id="ID_961" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_TotalReturnSwapMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_FairValueHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherIncomeMember" unitRef="USD" decimals="-6">-11000000</us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1>
  <axp:DerivativeInstrumentsGainLossRecognizedInIncomeTextBlock id="ID_962" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;The following table summarizes the impact &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;on pretax earnings &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;of derivatives not designated as hedges&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, as &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;reported&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; on the Consolidated Statements of Income&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;three and nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:115.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:115.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='11' rowspan='1' style='width:226.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:226.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Pretax gains&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119.25pt;text-align:left;border-color:Black;min-width:119.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:115.5pt;text-align:center;border-color:Black;min-width:115.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:109.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:109.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;For the Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:109.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:109.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;For the Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119.25pt;text-align:left;border-color:Black;min-width:119.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:115.5pt;text-align:center;border-color:Black;min-width:115.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:109.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:109.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:109.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:109.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119.25pt;text-align:left;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:115.5pt;text-align:left;border-color:Black;min-width:115.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:109.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:109.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:109.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:109.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Description &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:115.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:115.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Income Statement Line Item&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Interest rate contracts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:115.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:115.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Other expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119.25pt;text-align:left;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Foreign exchange contracts&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:4pt;color:#000000;' &gt; &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:115.5pt;text-align:left;border-color:Black;min-width:115.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Other expenses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 25 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;84&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 108 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:119.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:115.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:115.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Cost of Card Member services &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:119.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:115.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:115.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;88&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;109&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:0pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Foreign exchange contracts include forwards and embedded foreign currency derivatives&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;</axp:DerivativeInstrumentsGainLossRecognizedInIncomeTextBlock>
  <us-gaap:DerivativeGainLossOnDerivativeNet id="ID_963" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="-6">2000000</us-gaap:DerivativeGainLossOnDerivativeNet>
  <us-gaap:DerivativeGainLossOnDerivativeNet id="ID_964" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember" unitRef="USD" decimals="-6">26000000</us-gaap:DerivativeGainLossOnDerivativeNet>
  <us-gaap:DerivativeGainLossOnDerivativeNet id="ID_965" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember" unitRef="USD" decimals="-6">2000000</us-gaap:DerivativeGainLossOnDerivativeNet>
  <us-gaap:DerivativeGainLossOnDerivativeNet id="ID_966" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="-6">25000000</us-gaap:DerivativeGainLossOnDerivativeNet>
  <us-gaap:DerivativeGainLossOnDerivativeNet id="ID_967" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_axp_CostOfCardMemberServicesMember" unitRef="USD" decimals="-6">0</us-gaap:DerivativeGainLossOnDerivativeNet>
  <us-gaap:DerivativeGainLossOnDerivativeNet id="ID_968" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_axp_CostOfCardMemberServicesMember" unitRef="USD" decimals="-6">0</us-gaap:DerivativeGainLossOnDerivativeNet>
  <us-gaap:AssetsFairValueDisclosure id="ID_969" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsNonrecurringMember" unitRef="USD" decimals="-6">0</us-gaap:AssetsFairValueDisclosure>
  <us-gaap:AssetsFairValueDisclosure id="ID_970" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsNonrecurringMember" unitRef="USD" decimals="-6">0</us-gaap:AssetsFairValueDisclosure>
  <us-gaap:AccountsReceivableNet id="ID_971" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" unitRef="USD" decimals="-8">6200000000</us-gaap:AccountsReceivableNet>
  <us-gaap:LoansAndLeasesReceivableNetReportedAmount id="ID_972" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" unitRef="USD" decimals="-8">28100000000</us-gaap:LoansAndLeasesReceivableNetReportedAmount>
  <us-gaap:LongTermDebt id="ID_973" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" unitRef="USD" decimals="-8">15600000000</us-gaap:LongTermDebt>
  <us-gaap:AccountsReceivableNet id="ID_974" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" unitRef="USD" decimals="-8">7300000000</us-gaap:AccountsReceivableNet>
  <us-gaap:LoansAndLeasesReceivableNetReportedAmount id="ID_975" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" unitRef="USD" decimals="-8">31000000000</us-gaap:LoansAndLeasesReceivableNetReportedAmount>
  <us-gaap:LongTermDebt id="ID_976" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" unitRef="USD" decimals="-8">18800000000</us-gaap:LongTermDebt>
  <us-gaap:FairValueDisclosuresTextBlock id="ID_977" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:4.5pt;margin-bottom:0pt;line-height:11.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-14.4pt;' &gt;9&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;.  &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;Fair Values&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:9pt;margin-bottom:0pt;line-height:11.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' &gt;Financial Assets and Financial Liabilities Carried at Fair Value &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:9pt;margin-bottom:0pt;line-height:11.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;For &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;information about the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;Company&amp;#8217;s valuation &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;techniques&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; for&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; financial&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; assets and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;financial &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;liabilities measured at fair value and the fair value &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;hierarchy, refer to Note 3 on pages 68 &amp;#8211; 70 &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;the Annual Report. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;Refer to&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; Note 12 on pages &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;87&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &amp;#8211; 90&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; of the Annual Report for additional information about the fair value of the Company&amp;#8217;s derivative financial instruments.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:11.5pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;The following table summarizes the Company&amp;#8217;s financial assets and financial liabilities measured at fair value on a recurring basis, categorized by GAAP&amp;#8217;s valuation hierarchy, as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;December 31&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:89.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:89.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td colspan='11' rowspan='1' style='width:174pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:174pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='11' rowspan='1' style='width:174pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:174pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:104.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level&amp;#160;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level&amp;#160;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Assets:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:104.25pt;text-align:left;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Investment securities:&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:96.75pt;text-align:left;border-color:Black;min-width:96.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Equity securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 1 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 1 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 124 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 124 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:96.75pt;text-align:left;border-color:Black;min-width:96.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Debt securities and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 4,749 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 349 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 4,400 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 4,892 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 320 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 4,572 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:104.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Derivatives&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 822 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 822 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 701 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 701 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 5,572 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 350 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 5,222 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 5,717 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 444 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 5,273 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Liabilities:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:104.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Derivatives&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 246 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 246 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 213 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 213 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 246 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 246 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 213 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 213 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Refer to Note &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;5 &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;for &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;the fair values of investment securities and to Note 8 for the fair values of derivative assets and liabilities, on a further disaggregated basis&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;' &gt;Financial Assets and Financial Liabilities Carried at Other Than Fair Value&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;For &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;information about the valuation techniques used in the measurement of financial assets and financial liabilities carried at other than fair value, refer to Note 3 on pages 70 &amp;#8211; 71 of the Annual Report. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table discloses the estimated fair &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;value for the Company&amp;#8217;s financial assets and financial liabilities that are not &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;required to be &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;carried at fair value&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; on a recurring basis&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;The fair values of these financial instruments are estimates based &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;upon the market conditions and perceived risks as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, and require management judgment. These figures may not be indicative of their future fair values. The fair value of the Company cannot be reliably estimated by&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; aggregating the amounts presented.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Carrying&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='10' rowspan='1' style='width:202.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:202.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Corresponding Fair Value Amount&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:195pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:195pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2014 &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt;(Billions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:195pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:195pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Financial Assets:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Financial assets for which carrying values &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;equal or approximate fair value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Cash and cash equivalents&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 21 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 21 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 20 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 1 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Other financial assets&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 48 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 48 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 48 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Financial assets carried at other than fair value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Loans, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 66 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 66 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 66 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:195pt;text-align:left;border-color:Black;min-width:195pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Financial Liabilities:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Financial liabilities for which carrying values &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;equal or approximate fair value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 60 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 60 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 60 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Financial liabilities carried at other than&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; fair value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Certificates of deposit&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(d)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 7 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 7 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 7 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Long-term debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 56 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 58 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 58 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Carrying&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='10' rowspan='1' style='width:202.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:202.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Corresponding Fair Value Amount&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:195pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:195pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;2013 &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt;(Billions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:195pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:195pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Financial Assets:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Financial assets for which carrying values &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;equal or approximate fair value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Cash and cash equivalents&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 19 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 19 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 17 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 2 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Other financial assets&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 48 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 48 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 48 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Financial assets carried at other than fair value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Loans, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 67 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 67 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 67 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:195pt;text-align:left;border-color:Black;min-width:195pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Financial Liabilities:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Financial liabilities for which carrying values&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;equal or approximate fair value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 60 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 60 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 60 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Financial liabilities carried at other than &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;fair value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Certificates of deposit&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(d)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 7 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 8 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 8 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Long-term debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 55 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 58 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 58 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times;font-size:8pt;' &gt;Reflects time deposits.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Includes accounts receivable (including fair values of Card Member receivables of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;6.2&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; billion and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;7.3&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; billion held by consolidated VIEs as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, respectively),&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; restricted cash and other miscellaneous assets.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Includes fair values of loans of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;28.1&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; billion and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;31.0&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; billion, and long-term debt of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;15.6&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; billion and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;18.8&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; billion held by consolidated VIEs as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; and Dec&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;ember 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, respectively.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Presented as a component of customer deposits on the Consolidated Balance Sheets. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;' &gt;Nonrecurring Fair Value Measurements&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The Company has certain assets that are subject to measurement at fair value on a nonrecurring&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; basis. For these assets, measurement at fair value in periods subsequent to their initial recognition is applicable if determined to be impaired. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;During the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and during the year ended December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, the Company did not h&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ave any material impaired assets that were required to be measured at fair value.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:FairValueDisclosuresTextBlock>
  <us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock id="ID_978" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;The following table summarizes the Company&amp;#8217;s financial assets and financial liabilities measured at fair value on a recurring basis, categorized by GAAP&amp;#8217;s valuation hierarchy, as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;December 31&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:89.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:89.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td colspan='11' rowspan='1' style='width:174pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:174pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='11' rowspan='1' style='width:174pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:174pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:104.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level&amp;#160;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level&amp;#160;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Assets:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:104.25pt;text-align:left;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Investment securities:&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:96.75pt;text-align:left;border-color:Black;min-width:96.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Equity securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 1 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 1 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 124 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 124 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:96.75pt;text-align:left;border-color:Black;min-width:96.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Debt securities and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 4,749 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 349 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 4,400 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 4,892 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 320 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 4,572 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:104.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Derivatives&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 822 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 822 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 701 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 701 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 5,572 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 350 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 5,222 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 5,717 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 444 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 5,273 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Liabilities:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:104.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Derivatives&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 246 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 246 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 213 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 213 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' &gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 246 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 246 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 213 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 213 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:28.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Refer to Note &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;5 &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;for &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;the fair values of investment securities and to Note 8 for the fair values of derivative assets and liabilities, on a further disaggregated basis&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock>
  <us-gaap:FairValueOfFinancialInstrumentsPolicy id="ID_979" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:9pt;margin-bottom:0pt;line-height:11.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' &gt;For &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;information about the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;Company&amp;#8217;s valuation &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;techniques&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; for&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; financial&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; assets and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;financial &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;liabilities measured at fair value and the fair value &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;hierarchy, refer to Note 3 on pages 68 &amp;#8211; 70 &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;the Annual Report. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;Refer to&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; Note 12 on pages &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt;87&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; &amp;#8211; 90&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;color:#000000;' &gt; of the Annual Report for additional information about the fair value of the Company&amp;#8217;s derivative financial instruments.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:11.5pt;' &gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:FairValueOfFinancialInstrumentsPolicy>
  <us-gaap:AvailableForSaleSecuritiesEquitySecurities id="ID_980" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-6">1000000</us-gaap:AvailableForSaleSecuritiesEquitySecurities>
  <us-gaap:AvailableForSaleSecuritiesEquitySecurities id="ID_981" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesEquitySecurities>
  <us-gaap:AvailableForSaleSecuritiesEquitySecurities id="ID_982" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesEquitySecurities>
  <axp:AvailableForSaleSecuritiesDebtSecuritiesAndOther id="ID_983" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-6">349000000</axp:AvailableForSaleSecuritiesDebtSecuritiesAndOther>
  <axp:AvailableForSaleSecuritiesDebtSecuritiesAndOther id="ID_984" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-6">4400000000</axp:AvailableForSaleSecuritiesDebtSecuritiesAndOther>
  <axp:AvailableForSaleSecuritiesDebtSecuritiesAndOther id="ID_985" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-6">0</axp:AvailableForSaleSecuritiesDebtSecuritiesAndOther>
  <us-gaap:DerivativeFairValueOfDerivativeAsset id="ID_986" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-6">0</us-gaap:DerivativeFairValueOfDerivativeAsset>
  <us-gaap:DerivativeFairValueOfDerivativeAsset id="ID_987" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-6">822000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
  <us-gaap:DerivativeFairValueOfDerivativeAsset id="ID_988" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-6">0</us-gaap:DerivativeFairValueOfDerivativeAsset>
  <us-gaap:AvailableForSaleSecuritiesEquitySecurities id="ID_989" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1000000</us-gaap:AvailableForSaleSecuritiesEquitySecurities>
  <axp:AvailableForSaleSecuritiesDebtSecuritiesAndOther id="ID_990" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">4749000000</axp:AvailableForSaleSecuritiesDebtSecuritiesAndOther>
  <us-gaap:DerivativeFairValueOfDerivativeAsset id="ID_991" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">822000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
  <us-gaap:AssetsFairValueDisclosureRecurring id="ID_992" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">5572000000</us-gaap:AssetsFairValueDisclosureRecurring>
  <us-gaap:AssetsFairValueDisclosureRecurring id="ID_993" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-6">350000000</us-gaap:AssetsFairValueDisclosureRecurring>
  <us-gaap:AssetsFairValueDisclosureRecurring id="ID_994" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-6">5222000000</us-gaap:AssetsFairValueDisclosureRecurring>
  <us-gaap:AssetsFairValueDisclosureRecurring id="ID_995" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-6">0</us-gaap:AssetsFairValueDisclosureRecurring>
  <axp:AvailableForSaleSecuritiesDebtSecuritiesAndOther id="ID_996" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">4892000000</axp:AvailableForSaleSecuritiesDebtSecuritiesAndOther>
  <us-gaap:DerivativeFairValueOfDerivativeAsset id="ID_997" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">701000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
  <us-gaap:AssetsFairValueDisclosureRecurring id="ID_998" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">5717000000</us-gaap:AssetsFairValueDisclosureRecurring>
  <us-gaap:AvailableForSaleSecuritiesEquitySecurities id="ID_999" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-6">124000000</us-gaap:AvailableForSaleSecuritiesEquitySecurities>
  <us-gaap:AvailableForSaleSecuritiesEquitySecurities id="ID_1000" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesEquitySecurities>
  <axp:AvailableForSaleSecuritiesDebtSecuritiesAndOther id="ID_1001" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-6">320000000</axp:AvailableForSaleSecuritiesDebtSecuritiesAndOther>
  <axp:AvailableForSaleSecuritiesDebtSecuritiesAndOther id="ID_1002" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-6">4572000000</axp:AvailableForSaleSecuritiesDebtSecuritiesAndOther>
  <axp:AvailableForSaleSecuritiesDebtSecuritiesAndOther id="ID_1003" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-6">0</axp:AvailableForSaleSecuritiesDebtSecuritiesAndOther>
  <us-gaap:DerivativeFairValueOfDerivativeAsset id="ID_1004" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-6">0</us-gaap:DerivativeFairValueOfDerivativeAsset>
  <us-gaap:DerivativeFairValueOfDerivativeAsset id="ID_1005" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-6">701000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
  <us-gaap:DerivativeFairValueOfDerivativeAsset id="ID_1006" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-6">0</us-gaap:DerivativeFairValueOfDerivativeAsset>
  <us-gaap:AssetsFairValueDisclosureRecurring id="ID_1007" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-6">444000000</us-gaap:AssetsFairValueDisclosureRecurring>
  <us-gaap:AssetsFairValueDisclosureRecurring id="ID_1008" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-6">5273000000</us-gaap:AssetsFairValueDisclosureRecurring>
  <us-gaap:AssetsFairValueDisclosureRecurring id="ID_1009" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-6">0</us-gaap:AssetsFairValueDisclosureRecurring>
  <us-gaap:DerivativeFairValueOfDerivativeLiability id="ID_1010" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-6">0</us-gaap:DerivativeFairValueOfDerivativeLiability>
  <us-gaap:DerivativeFairValueOfDerivativeLiability id="ID_1011" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-6">246000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
  <us-gaap:DerivativeFairValueOfDerivativeLiability id="ID_1012" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-6">0</us-gaap:DerivativeFairValueOfDerivativeLiability>
  <us-gaap:DerivativeFairValueOfDerivativeLiability id="ID_1013" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-6">213000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
  <us-gaap:LiabilitiesFairValueDisclosureRecurring id="ID_1014" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-6">0</us-gaap:LiabilitiesFairValueDisclosureRecurring>
  <us-gaap:LiabilitiesFairValueDisclosureRecurring id="ID_1015" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-6">213000000</us-gaap:LiabilitiesFairValueDisclosureRecurring>
  <us-gaap:LiabilitiesFairValueDisclosureRecurring id="ID_1016" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-6">0</us-gaap:LiabilitiesFairValueDisclosureRecurring>
  <us-gaap:LiabilitiesFairValueDisclosureRecurring id="ID_1017" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-6">246000000</us-gaap:LiabilitiesFairValueDisclosureRecurring>
  <us-gaap:AvailableForSaleSecuritiesEquitySecurities id="ID_1018" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">124000000</us-gaap:AvailableForSaleSecuritiesEquitySecurities>
  <us-gaap:AvailableForSaleSecuritiesEquitySecurities id="ID_1019" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-6">0</us-gaap:AvailableForSaleSecuritiesEquitySecurities>
  <us-gaap:DerivativeFairValueOfDerivativeLiability id="ID_1020" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">213000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
  <us-gaap:LiabilitiesFairValueDisclosureRecurring id="ID_1021" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">213000000</us-gaap:LiabilitiesFairValueDisclosureRecurring>
  <us-gaap:LiabilitiesFairValueDisclosureRecurring id="ID_1022" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">246000000</us-gaap:LiabilitiesFairValueDisclosureRecurring>
  <us-gaap:DerivativeFairValueOfDerivativeLiability id="ID_1023" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">246000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
  <us-gaap:DerivativeFairValueOfDerivativeLiability id="ID_1024" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-6">0</us-gaap:DerivativeFairValueOfDerivativeLiability>
  <us-gaap:DerivativeFairValueOfDerivativeLiability id="ID_1025" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-6">0</us-gaap:DerivativeFairValueOfDerivativeLiability>
  <us-gaap:LiabilitiesFairValueDisclosureRecurring id="ID_1026" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-6">0</us-gaap:LiabilitiesFairValueDisclosureRecurring>
  <us-gaap:LiabilitiesFairValueDisclosureRecurring id="ID_1027" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-6">0</us-gaap:LiabilitiesFairValueDisclosureRecurring>
  <us-gaap:FairValueByBalanceSheetGroupingTextBlock id="ID_1028" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table discloses the estimated fair &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;value for the Company&amp;#8217;s financial assets and financial liabilities that are not &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;required to be &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;carried at fair value&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; on a recurring basis&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;The fair values of these financial instruments are estimates based &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;upon the market conditions and perceived risks as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, and require management judgment. These figures may not be indicative of their future fair values. The fair value of the Company cannot be reliably estimated by&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; aggregating the amounts presented.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Carrying&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='10' rowspan='1' style='width:202.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:202.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Corresponding Fair Value Amount&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:195pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:195pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;2014 &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt;(Billions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:195pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:195pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Financial Assets:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Financial assets for which carrying values &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;equal or approximate fair value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Cash and cash equivalents&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 21 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 21 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 20 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 1 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Other financial assets&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 48 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 48 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 48 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Financial assets carried at other than fair value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Loans, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 66 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 66 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 66 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:195pt;text-align:left;border-color:Black;min-width:195pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Financial Liabilities:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Financial liabilities for which carrying values &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;equal or approximate fair value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 60 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 60 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 60 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Financial liabilities carried at other than&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; fair value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Certificates of deposit&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(d)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 7 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 7 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 7 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Long-term debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 56 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 58 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; 58 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Carrying&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='10' rowspan='1' style='width:202.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:202.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Corresponding Fair Value Amount&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:195pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:195pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;2013 &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' &gt;(Billions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:195pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:195pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Financial Assets:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Financial assets for which carrying values &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;equal or approximate fair value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Cash and cash equivalents&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 19 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 19 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 17 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 2 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Other financial assets&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 48 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 48 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 48 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Financial assets carried at other than fair value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Loans, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 67 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 67 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 67 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:195pt;text-align:left;border-color:Black;min-width:195pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' &gt;Financial Liabilities:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Financial liabilities for which carrying values&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;equal or approximate fair value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 60 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 60 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 60 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Financial liabilities carried at other than &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;fair value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Certificates of deposit&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(d)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 7 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 8 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 8 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:176.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:176.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;Long-term debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 55 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 58 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; 58 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt;$ &lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:9pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times;font-size:8pt;' &gt;Reflects time deposits.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Includes accounts receivable (including fair values of Card Member receivables of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;6.2&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; billion and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;7.3&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; billion held by consolidated VIEs as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, respectively),&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; restricted cash and other miscellaneous assets.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Includes fair values of loans of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;28.1&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; billion and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;31.0&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; billion, and long-term debt of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;15.6&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; billion and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;18.8&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; billion held by consolidated VIEs as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; and Dec&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;ember 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, respectively.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Presented as a component of customer deposits on the Consolidated Balance Sheets. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:FairValueByBalanceSheetGroupingTextBlock>
  <us-gaap:OtherAssetsFairValueDisclosure id="ID_1029" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="USD" decimals="-9">48000000000</us-gaap:OtherAssetsFairValueDisclosure>
  <axp:LoansNet id="ID_1030" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="USD" decimals="-9">67000000000</axp:LoansNet>
  <axp:FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue id="ID_1031" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="USD" decimals="-9">60000000000</axp:FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue>
  <axp:FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue id="ID_1032" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="USD" decimals="-9">60000000000</axp:FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue>
  <axp:LoansNet id="ID_1033" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="USD" decimals="-9">66000000000</axp:LoansNet>
  <us-gaap:OtherAssetsFairValueDisclosure id="ID_1034" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="USD" decimals="-9">48000000000</us-gaap:OtherAssetsFairValueDisclosure>
  <us-gaap:OtherAssetsFairValueDisclosure id="ID_1035" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-9">48000000000</us-gaap:OtherAssetsFairValueDisclosure>
  <axp:LoansNet id="ID_1036" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-9">66000000000</axp:LoansNet>
  <us-gaap:CashCashEquivalentsAndFederalFundsSold id="ID_1037" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-9">19000000000</us-gaap:CashCashEquivalentsAndFederalFundsSold>
  <us-gaap:OtherAssetsFairValueDisclosure id="ID_1038" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-9">48000000000</us-gaap:OtherAssetsFairValueDisclosure>
  <axp:LoansNet id="ID_1039" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-9">67000000000</axp:LoansNet>
  <axp:FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue id="ID_1040" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-9">60000000000</axp:FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue>
  <axp:FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue id="ID_1041" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-9">60000000000</axp:FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue>
  <us-gaap:TimeDeposits id="ID_1042" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-9">7000000000</us-gaap:TimeDeposits>
  <us-gaap:TimeDeposits id="ID_1043" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-9">8000000000</us-gaap:TimeDeposits>
  <us-gaap:LongTermDebt id="ID_1044" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-9">58000000000</us-gaap:LongTermDebt>
  <us-gaap:LongTermDebt id="ID_1045" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-9">58000000000</us-gaap:LongTermDebt>
  <us-gaap:OtherAssetsFairValueDisclosure id="ID_1046" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-9">0</us-gaap:OtherAssetsFairValueDisclosure>
  <us-gaap:CashCashEquivalentsAndFederalFundsSold id="ID_1047" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-9">17000000000</us-gaap:CashCashEquivalentsAndFederalFundsSold>
  <us-gaap:CashCashEquivalentsAndFederalFundsSold id="ID_1048" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-9">20000000000</us-gaap:CashCashEquivalentsAndFederalFundsSold>
  <us-gaap:OtherAssetsFairValueDisclosure id="ID_1049" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-9">0</us-gaap:OtherAssetsFairValueDisclosure>
  <axp:LoansNet id="ID_1050" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-9">0</axp:LoansNet>
  <axp:LoansNet id="ID_1051" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-9">0</axp:LoansNet>
  <axp:FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue id="ID_1052" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-9">0</axp:FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue>
  <axp:FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue id="ID_1053" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-9">0</axp:FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue>
  <us-gaap:TimeDeposits id="ID_1054" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-9">0</us-gaap:TimeDeposits>
  <us-gaap:TimeDeposits id="ID_1055" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-9">0</us-gaap:TimeDeposits>
  <us-gaap:LongTermDebt id="ID_1056" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-9">0</us-gaap:LongTermDebt>
  <us-gaap:LongTermDebt id="ID_1057" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel1Member" unitRef="USD" decimals="-9">0</us-gaap:LongTermDebt>
  <us-gaap:OtherAssetsFairValueDisclosure id="ID_1058" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-9">48000000000</us-gaap:OtherAssetsFairValueDisclosure>
  <axp:LoansNet id="ID_1059" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-9">0</axp:LoansNet>
  <us-gaap:CashCashEquivalentsAndFederalFundsSold id="ID_1060" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-9">1000000000</us-gaap:CashCashEquivalentsAndFederalFundsSold>
  <axp:LoansNet id="ID_1061" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-9">0</axp:LoansNet>
  <us-gaap:OtherAssetsFairValueDisclosure id="ID_1062" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-9">48000000000</us-gaap:OtherAssetsFairValueDisclosure>
  <us-gaap:CashCashEquivalentsAndFederalFundsSold id="ID_1063" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-9">2000000000</us-gaap:CashCashEquivalentsAndFederalFundsSold>
  <axp:FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue id="ID_1064" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-9">60000000000</axp:FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue>
  <axp:FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue id="ID_1065" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-9">60000000000</axp:FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue>
  <us-gaap:TimeDeposits id="ID_1066" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-9">8000000000</us-gaap:TimeDeposits>
  <us-gaap:TimeDeposits id="ID_1067" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-9">7000000000</us-gaap:TimeDeposits>
  <us-gaap:LongTermDebt id="ID_1068" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-9">58000000000</us-gaap:LongTermDebt>
  <us-gaap:LongTermDebt id="ID_1069" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel2Member" unitRef="USD" decimals="-9">58000000000</us-gaap:LongTermDebt>
  <axp:LoansNet id="ID_1070" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-9">67000000000</axp:LoansNet>
  <axp:LoansNet id="ID_1071" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-9">66000000000</axp:LoansNet>
  <us-gaap:CashCashEquivalentsAndFederalFundsSold id="ID_1072" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-9">0</us-gaap:CashCashEquivalentsAndFederalFundsSold>
  <us-gaap:OtherAssetsFairValueDisclosure id="ID_1073" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-9">0</us-gaap:OtherAssetsFairValueDisclosure>
  <us-gaap:CashCashEquivalentsAndFederalFundsSold id="ID_1074" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-9">0</us-gaap:CashCashEquivalentsAndFederalFundsSold>
  <us-gaap:OtherAssetsFairValueDisclosure id="ID_1075" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-9">0</us-gaap:OtherAssetsFairValueDisclosure>
  <axp:FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue id="ID_1076" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-9">0</axp:FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue>
  <axp:FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue id="ID_1077" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-9">0</axp:FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue>
  <us-gaap:TimeDeposits id="ID_1078" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-9">0</us-gaap:TimeDeposits>
  <us-gaap:TimeDeposits id="ID_1079" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-9">0</us-gaap:TimeDeposits>
  <us-gaap:LongTermDebt id="ID_1080" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-9">0</us-gaap:LongTermDebt>
  <us-gaap:LongTermDebt id="ID_1081" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_FairValueInputsLevel3Member" unitRef="USD" decimals="-9">0</us-gaap:LongTermDebt>
  <us-gaap:LongTermDebt id="ID_1082" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="USD" decimals="-9">56000000000</us-gaap:LongTermDebt>
  <us-gaap:LongTermDebt id="ID_1083" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="USD" decimals="-9">55000000000</us-gaap:LongTermDebt>
  <us-gaap:CashCashEquivalentsAndFederalFundsSold id="ID_1084" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="USD" decimals="-9">21000000000</us-gaap:CashCashEquivalentsAndFederalFundsSold>
  <us-gaap:GuaranteesTextBlock id="ID_1085" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-20.15pt;' &gt;   10&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;. Guarantees &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The Company provides Card M&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ember protection plans that cover losses associated with purchased products, as well as certain other guarantees in the ordinary course of business&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;In relation to its maximum potential undiscounted &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;future payments as shown in the table that follows, to date the Company has not experienced any significant losses related to guarantees. The Company&amp;#8217;s initial recognition of guarantees is at fair value&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; In addition, the Company establishes reserves when a loss is probable and the amount can be reasonably estimated.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table provides information related to such guarantees as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;: &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:240.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:240.75pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:106.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Maximum potential&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:106.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:240.75pt;text-align:left;border-color:Black;min-width:240.75pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:106.5pt;text-align:center;border-color:Black;min-width:106.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; undiscounted future&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:center;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9.75pt;text-align:center;border-color:Black;min-width:9.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:center;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:240.75pt;text-align:left;border-color:Black;min-width:240.75pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:106.5pt;text-align:center;border-color:Black;min-width:106.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;payments&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:106.5pt;text-align:center;border-color:Black;min-width:106.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Related liability&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:240.75pt;text-align:left;border-color:Black;min-width:240.75pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:106.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Billions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:106.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:240.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:240.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Type of Guarantee&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:47.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:47.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:47.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:47.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:240.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:240.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card and travel operations&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 44 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;44&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 43 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 88 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:240.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:240.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(d)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 71 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 73 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:240.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:240.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 45 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;45&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 114 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;161&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Represents the notional amounts &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;that could be lost under the guarantees an&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;d indemnifications if there were&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; a total default by the guaranteed parties&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; The maximum potential undiscounted future payments for Merchant Protection are measured using management&amp;#8217;s best estimate of maximum exposure based on all eligible claims in relation to annual billed business volumes. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Included in &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;other liabilities on the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Company&amp;#8217;s Consolidated Balance Sheets. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Primarily includes Return Protection and Merchant Protection&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Primarily includes guarantees related to the Company&amp;#8217;s business dispositions&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;real estate&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and joint ventures.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;</us-gaap:GuaranteesTextBlock>
  <us-gaap:ScheduleOfGuaranteeObligationsTextBlock id="ID_1086" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table provides information related to such guarantees as of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and December 31, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;: &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:240.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:240.75pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:106.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Maximum potential&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:106.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:240.75pt;text-align:left;border-color:Black;min-width:240.75pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:106.5pt;text-align:center;border-color:Black;min-width:106.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; undiscounted future&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:center;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:9.75pt;text-align:center;border-color:Black;min-width:9.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:center;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:240.75pt;text-align:left;border-color:Black;min-width:240.75pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:106.5pt;text-align:center;border-color:Black;min-width:106.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;payments&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:106.5pt;text-align:center;border-color:Black;min-width:106.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Related liability&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:240.75pt;text-align:left;border-color:Black;min-width:240.75pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:106.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Billions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:106.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:240.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:240.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Type of Guarantee&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:47.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:47.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:47.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:47.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:240.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:240.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card and travel operations&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(c)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 44 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;44&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 43 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 88 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:240.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:240.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(d)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 71 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 73 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:240.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:240.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 45 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;45&lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 114 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;161&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Represents the notional amounts &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;that could be lost under the guarantees an&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;d indemnifications if there were&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; a total default by the guaranteed parties&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; The maximum potential undiscounted future payments for Merchant Protection are measured using management&amp;#8217;s best estimate of maximum exposure based on all eligible claims in relation to annual billed business volumes. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Included in &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;other liabilities on the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Company&amp;#8217;s Consolidated Balance Sheets. &lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Primarily includes Return Protection and Merchant Protection&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;Primarily includes guarantees related to the Company&amp;#8217;s business dispositions&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt;real estate&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;color:#000000;' &gt; and joint ventures.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;</us-gaap:ScheduleOfGuaranteeObligationsTextBlock>
  <us-gaap:ComprehensiveIncomeNoteTextBlock id="ID_1087" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:4.5pt;margin-bottom:9pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-19.45pt;' &gt;11&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;. Changes In Accumulated Other Comprehensive (Loss) Income&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;AOCI is comprised of items that have not been recognized in earnings but may be recognized in earnings in the future when certain events occur. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Changes in each component of AOCI for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;three and nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;were&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:37.5pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;For the Three Months Ended September 30, 2014 &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;, net of tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net Unrealized Gains (Losses) on Investment Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:59.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:59.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Foreign Currency Translation Adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net Unrealized Pension and Other Postretirement Benefit (Losses) Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Accumulated Other Comprehensive (Loss) Income&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;Balances as of June 30, 2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 105 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1,118)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (358)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1,371)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net unrealized gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 2 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 2 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Increase (decrease) due to amounts reclassified into earnings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (13)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 1 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (12)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net translation (loss) of investments in foreign operations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (414)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (414)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net (losses) related to hedges of investment in foreign operations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 246 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 246 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Pension and other postretirement benefit gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 7 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 7 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net change in accumulated other comprehensive (loss) income &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (167)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 7 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (171)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;Balances as of September 30, 2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 94 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (1,285)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (351)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (1,542)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:37.5pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;For the Nine Months Ended September 30, 2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;, net of tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net Unrealized Gains (Losses) on Investment Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:59.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:59.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Foreign Currency Translation Adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net Unrealized Pension and Other Postretirement Benefit (Losses) Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Accumulated Other Comprehensive (Loss) Income&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;Balances as of December&amp;#160;31, 2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 63 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1,090)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (399)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1,426)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net unrealized gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 102 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 102 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Increase (decrease) due to amounts reclassified into earnings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (71)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 5 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (66)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net translation (loss) of investments in foreign operations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (313)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (313)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18.75pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net (losses) related to hedges of investment in foreign operations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 113 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 113 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Pension and other postretirement benefit gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 48 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 48 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net change in accumulated other comprehensive income (loss)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 31 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (195)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 48 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (116)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;Balances as of September 30, 2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 94 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (1,285)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (351)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (1,542)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:37.5pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;For the Three Months Ended September 30, 2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;, net of tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net Unrealized Gains (Losses) on Investment Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:59.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:59.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Foreign Currency Translation Adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net Unrealized Pension and Other Postretirement Benefit (Losses) Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Accumulated Other Comprehensive (Loss) Income&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;Balances as of June 30, 2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 153 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1,027)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (434)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1,308)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net unrealized (losses)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (25)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Increase (decrease) due to amounts reclassified into earnings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (23)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (23)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net translation gain of investments in foreign operations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 134 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 134 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net gains related to hedges of investment in foreign operations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (123)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (123)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Pension and other postretirement benefit gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 6 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 6 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net change in accumulated other comprehensive (loss) income &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (48)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 11 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 6 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (31)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;Balances as of September 30, 2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 105 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1,016)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (428)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1,339)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:#000000;min-width:229.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:37.5pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;For the Nine Months Ended September 30, 2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;, net of tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net Unrealized Gains (Losses) on Investment Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:59.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:59.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Foreign Currency Translation Adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net Unrealized Pension and Other Postretirement Benefit (Losses) Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Accumulated Other Comprehensive (Loss) Income&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;Balances as of December&amp;#160;31, 2012&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 315 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (754)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (488)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (927)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net unrealized (losses)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (141)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (141)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Increase (decrease) due to amounts reclassified into earnings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (69)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (69)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net translation (loss) of investments in foreign operations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (422)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (422)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net gains related to hedges of investment in foreign operations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 160 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 160 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Pension and other postretirement benefit gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 60 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 60 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net change in accumulated other comprehensive (loss) income &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (210)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (262)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 60 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (412)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;Balances as of September 30, 2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 105 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1,016)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (428)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1,339)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table presents the effects of reclassifications out of AOCI and into the Consolidated Statements of Income for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;three and nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:129.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:129.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td colspan='12' rowspan='1' style='width:228pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:228pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;(Gains) losses recognized in income&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:129.75pt;text-align:left;border-color:Black;min-width:129.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:108pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:108pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;For the Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:102pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:102pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;For the Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:129.75pt;text-align:left;border-color:Black;min-width:129.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:108pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:108pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:102pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:102pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:129.75pt;text-align:left;border-color:Black;min-width:129.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Income Statement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:102pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:102pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:102pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:102pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:152.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:152.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Description  (&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-style:italic;color:#000000;' &gt;Millions&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Line Item&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:152.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:152.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Available-for-sale securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:141pt;text-align:left;border-color:Black;min-width:141pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Net gain in AOCI reclassifications for previously &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:129.75pt;text-align:left;border-color:Black;min-width:129.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;unrealized net  gains on investment securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Other non-interest revenues&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt; (21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; (36)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt; (111)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; (109)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:141pt;text-align:left;border-color:Black;min-width:141pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Related income tax expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Income tax provision&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt; 8 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; 13 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt; 40 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; 40 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:141pt;text-align:left;border-color:Black;min-width:141pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Reclassification to net income related to       &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:129.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:129.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;available-for-sale securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt; (13)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; (23)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt; (71)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; (69)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:152.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:152.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Foreign currency translation adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:141pt;text-align:left;border-color:Black;min-width:141pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Reclassification of realized losses on&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:129.75pt;text-align:left;border-color:Black;min-width:129.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; translation adjustments and  related hedges&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Other expenses &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt; 8 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:141pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:141pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Related income tax expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Income tax provision&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt;  1 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt; (3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:141pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:141pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Reclassification of foreign currency&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:129.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:129.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; translation adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt;  1 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt;  5 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:152.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:152.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt; (12)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; (23)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt; (66)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; (69)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ComprehensiveIncomeNoteTextBlock>
  <us-gaap:ScheduleOfComprehensiveIncomeLossTableTextBlock id="ID_1088" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;Changes in each component of AOCI for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;three and nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;were&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; as follows:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:37.5pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;For the Three Months Ended September 30, 2014 &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;, net of tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net Unrealized Gains (Losses) on Investment Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:59.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:59.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Foreign Currency Translation Adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net Unrealized Pension and Other Postretirement Benefit (Losses) Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Accumulated Other Comprehensive (Loss) Income&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;Balances as of June 30, 2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 105 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1,118)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (358)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1,371)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net unrealized gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 2 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 2 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Increase (decrease) due to amounts reclassified into earnings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (13)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 1 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (12)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net translation (loss) of investments in foreign operations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (414)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (414)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net (losses) related to hedges of investment in foreign operations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 246 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 246 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Pension and other postretirement benefit gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 7 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 7 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net change in accumulated other comprehensive (loss) income &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (167)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 7 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (171)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;Balances as of September 30, 2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 94 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (1,285)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (351)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (1,542)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:37.5pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;For the Nine Months Ended September 30, 2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;, net of tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net Unrealized Gains (Losses) on Investment Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:59.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:59.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Foreign Currency Translation Adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net Unrealized Pension and Other Postretirement Benefit (Losses) Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Accumulated Other Comprehensive (Loss) Income&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;Balances as of December&amp;#160;31, 2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 63 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1,090)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (399)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1,426)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net unrealized gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 102 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 102 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Increase (decrease) due to amounts reclassified into earnings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (71)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 5 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (66)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net translation (loss) of investments in foreign operations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (313)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (313)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18.75pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net (losses) related to hedges of investment in foreign operations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 113 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 113 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Pension and other postretirement benefit gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 48 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 48 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net change in accumulated other comprehensive income (loss)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 31 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (195)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 48 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (116)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;Balances as of September 30, 2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; 94 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (1,285)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (351)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt; (1,542)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:37.5pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;For the Three Months Ended September 30, 2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;, net of tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net Unrealized Gains (Losses) on Investment Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:59.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:59.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Foreign Currency Translation Adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net Unrealized Pension and Other Postretirement Benefit (Losses) Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Accumulated Other Comprehensive (Loss) Income&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;Balances as of June 30, 2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 153 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1,027)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (434)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1,308)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net unrealized (losses)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (25)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (25)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Increase (decrease) due to amounts reclassified into earnings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (23)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (23)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net translation gain of investments in foreign operations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 134 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 134 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net gains related to hedges of investment in foreign operations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (123)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (123)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Pension and other postretirement benefit gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 6 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 6 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net change in accumulated other comprehensive (loss) income &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (48)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 11 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 6 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (31)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;Balances as of September 30, 2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 105 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1,016)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (428)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1,339)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:#000000;min-width:229.5pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:37.5pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;For the Nine Months Ended September 30, 2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' &gt; (Millions)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;, net of tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net Unrealized Gains (Losses) on Investment Securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:59.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:59.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Foreign Currency Translation Adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net Unrealized Pension and Other Postretirement Benefit (Losses) Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Accumulated Other Comprehensive (Loss) Income&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;Balances as of December&amp;#160;31, 2012&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 315 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (754)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (488)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (927)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net unrealized (losses)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (141)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (141)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Increase (decrease) due to amounts reclassified into earnings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (69)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (69)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net translation (loss) of investments in foreign operations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (422)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (422)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net gains related to hedges of investment in foreign operations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 160 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 160 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Pension and other postretirement benefit gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 60 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 60 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;Net change in accumulated other comprehensive (loss) income &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (210)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (262)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 60 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (412)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:229.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' &gt;Balances as of September 30, 2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;font style='font-family:Calibri;font-size:7.5pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:24.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:24.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; 105 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1,016)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:29.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (428)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' &gt;&lt;/td&gt;&lt;td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' &gt; (1,339)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfComprehensiveIncomeLossTableTextBlock>
  <axp:OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax id="ID_1089" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="-6">102000000</axp:OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax>
  <axp:OtherComprehensiveIncomeNetChangeNetOfTax id="ID_1090" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="-6">31000000</axp:OtherComprehensiveIncomeNetChangeNetOfTax>
  <axp:OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease id="ID_1091" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="-6">-313000000</axp:OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease>
  <axp:OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax id="ID_1092" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="-6">113000000</axp:OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax>
  <axp:OtherComprehensiveIncomeNetChangeNetOfTax id="ID_1093" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="-6">-195000000</axp:OtherComprehensiveIncomeNetChangeNetOfTax>
  <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent id="ID_1094" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" unitRef="USD" decimals="-6">48000000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent>
  <axp:OtherComprehensiveIncomeNetChangeNetOfTax id="ID_1095" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" unitRef="USD" decimals="-6">48000000</axp:OtherComprehensiveIncomeNetChangeNetOfTax>
  <axp:OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax id="ID_1096" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">102000000</axp:OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax>
  <axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax id="ID_1097" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">-66000000</axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax>
  <axp:OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease id="ID_1098" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">-313000000</axp:OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease>
  <axp:OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax id="ID_1099" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">113000000</axp:OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax>
  <axp:OtherComprehensiveIncomeNetChangeNetOfTax id="ID_1100" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">-116000000</axp:OtherComprehensiveIncomeNetChangeNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1101" contextRef="AS_OF_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">-1339000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <axp:OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax id="ID_1102" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="-6">-141000000</axp:OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax>
  <axp:OtherComprehensiveIncomeNetChangeNetOfTax id="ID_1103" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="-6">-210000000</axp:OtherComprehensiveIncomeNetChangeNetOfTax>
  <axp:OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease id="ID_1104" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="-6">-422000000</axp:OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease>
  <axp:OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax id="ID_1105" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="-6">160000000</axp:OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax>
  <axp:OtherComprehensiveIncomeNetChangeNetOfTax id="ID_1106" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="-6">-262000000</axp:OtherComprehensiveIncomeNetChangeNetOfTax>
  <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent id="ID_1107" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" unitRef="USD" decimals="-6">60000000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent>
  <axp:OtherComprehensiveIncomeNetChangeNetOfTax id="ID_1108" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" unitRef="USD" decimals="-6">60000000</axp:OtherComprehensiveIncomeNetChangeNetOfTax>
  <axp:OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax id="ID_1109" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">-141000000</axp:OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax>
  <axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax id="ID_1110" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">-69000000</axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax>
  <axp:OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease id="ID_1111" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">-422000000</axp:OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease>
  <axp:OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax id="ID_1112" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">160000000</axp:OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax>
  <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent id="ID_1113" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">60000000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent>
  <axp:OtherComprehensiveIncomeNetChangeNetOfTax id="ID_1114" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">-412000000</axp:OtherComprehensiveIncomeNetChangeNetOfTax>
  <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent id="ID_1115" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">48000000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1116" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">-1542000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax id="ID_1117" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="-6">-69000000</axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1118" contextRef="AS_OF_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="-6">105000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1119" contextRef="AS_OF_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="-6">-1016000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1120" contextRef="AS_OF_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" unitRef="USD" decimals="-6">-428000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1121" contextRef="AS_OF_Dec31_2012_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="-6">315000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1122" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="-6">63000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1123" contextRef="AS_OF_Dec31_2012_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" unitRef="USD" decimals="-6">-488000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1124" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">-1426000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1125" contextRef="AS_OF_Dec31_2012_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">-927000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1126" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" unitRef="USD" decimals="-6">-399000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1127" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="-6">-1090000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1128" contextRef="AS_OF_Dec31_2012_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="-6">-754000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1129" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="-6">-1285000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1130" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="-6">94000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1131" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" unitRef="USD" decimals="-6">-351000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1132" contextRef="AS_OF_Jun30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="-6">153000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1133" contextRef="AS_OF_Jun30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="-6">-1027000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1134" contextRef="AS_OF_Jun30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" unitRef="USD" decimals="-6">-434000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <axp:OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax id="ID_1135" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="-6">-25000000</axp:OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax>
  <axp:OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax id="ID_1136" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">-25000000</axp:OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax>
  <axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax id="ID_1137" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="-6">-23000000</axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax>
  <axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax id="ID_1138" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">-23000000</axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax>
  <axp:OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease id="ID_1139" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="-6">134000000</axp:OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease>
  <axp:OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease id="ID_1140" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">134000000</axp:OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease>
  <axp:OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax id="ID_1141" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="-6">-123000000</axp:OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax>
  <axp:OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax id="ID_1142" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">-123000000</axp:OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax>
  <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent id="ID_1143" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" unitRef="USD" decimals="-6">6000000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent id="ID_1144" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">6000000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1145" contextRef="AS_OF_Jun30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="-6">105000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1146" contextRef="AS_OF_Jun30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="-6">-1118000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1147" contextRef="AS_OF_Jun30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" unitRef="USD" decimals="-6">-358000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1148" contextRef="AS_OF_Jun30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">-1371000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <axp:OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax id="ID_1149" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="-6">2000000</axp:OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax>
  <axp:OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease id="ID_1150" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="-6">-414000000</axp:OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease>
  <axp:OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax id="ID_1151" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="-6">246000000</axp:OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax>
  <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent id="ID_1152" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" unitRef="USD" decimals="-6">7000000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent>
  <axp:OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax id="ID_1153" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">2000000</axp:OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax>
  <axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax id="ID_1154" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">-12000000</axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax>
  <axp:OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease id="ID_1155" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">-414000000</axp:OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease>
  <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent id="ID_1156" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">7000000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent>
  <axp:OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax id="ID_1157" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">246000000</axp:OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax>
  <axp:OtherComprehensiveIncomeNetChangeNetOfTax id="ID_1158" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="-6">-48000000</axp:OtherComprehensiveIncomeNetChangeNetOfTax>
  <axp:OtherComprehensiveIncomeNetChangeNetOfTax id="ID_1159" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="-6">11000000</axp:OtherComprehensiveIncomeNetChangeNetOfTax>
  <axp:OtherComprehensiveIncomeNetChangeNetOfTax id="ID_1160" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" unitRef="USD" decimals="-6">6000000</axp:OtherComprehensiveIncomeNetChangeNetOfTax>
  <axp:OtherComprehensiveIncomeNetChangeNetOfTax id="ID_1161" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">-31000000</axp:OtherComprehensiveIncomeNetChangeNetOfTax>
  <axp:OtherComprehensiveIncomeNetChangeNetOfTax id="ID_1162" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">-171000000</axp:OtherComprehensiveIncomeNetChangeNetOfTax>
  <axp:OtherComprehensiveIncomeNetChangeNetOfTax id="ID_1163" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="-6">-11000000</axp:OtherComprehensiveIncomeNetChangeNetOfTax>
  <axp:OtherComprehensiveIncomeNetChangeNetOfTax id="ID_1164" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" unitRef="USD" decimals="-6">7000000</axp:OtherComprehensiveIncomeNetChangeNetOfTax>
  <axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax id="ID_1165" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="-6">1000000</axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax>
  <axp:OtherComprehensiveIncomeNetChangeNetOfTax id="ID_1166" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="-6">-167000000</axp:OtherComprehensiveIncomeNetChangeNetOfTax>
  <us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock id="ID_1167" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table presents the effects of reclassifications out of AOCI and into the Consolidated Statements of Income for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;three and nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:129.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:129.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td colspan='12' rowspan='1' style='width:228pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:228pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;(Gains) losses recognized in income&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:129.75pt;text-align:left;border-color:Black;min-width:129.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:108pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:108pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;For the Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:102pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:102pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;For the Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:129.75pt;text-align:left;border-color:Black;min-width:129.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:108pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:108pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:102pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:102pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:129.75pt;text-align:left;border-color:Black;min-width:129.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Income Statement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:102pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:102pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:102pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:102pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Amount&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:152.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:152.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Description  (&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-style:italic;color:#000000;' &gt;Millions&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Line Item&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:152.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:152.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Available-for-sale securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:141pt;text-align:left;border-color:Black;min-width:141pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Net gain in AOCI reclassifications for previously &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:8.25pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:129.75pt;text-align:left;border-color:Black;min-width:129.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;unrealized net  gains on investment securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Other non-interest revenues&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt; (21)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; (36)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt; (111)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; (109)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:141pt;text-align:left;border-color:Black;min-width:141pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Related income tax expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Income tax provision&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt; 8 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; 13 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt; 40 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; 40 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:141pt;text-align:left;border-color:Black;min-width:141pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Reclassification to net income related to       &lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:129.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:129.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;available-for-sale securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt; (13)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; (23)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt; (71)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; (69)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:152.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:152.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Foreign currency translation adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:141pt;text-align:left;border-color:Black;min-width:141pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Reclassification of realized losses on&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:129.75pt;text-align:left;border-color:Black;min-width:129.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; translation adjustments and  related hedges&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Other expenses &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt; 8 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9pt;' &gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:141pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:141pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Related income tax expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Income tax provision&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt;  1 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt; (3)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:141pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:141pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;Reclassification of foreign currency&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:129.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:129.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; translation adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt;  1 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt;  5 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; &amp;#8213;   &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:152.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:152.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:88.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt; (12)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; (23)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' &gt; (66)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' &gt; (69)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock>
  <us-gaap:SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleAmountOfUnrecordedBenefit id="ID_1168" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">686000000</us-gaap:SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleAmountOfUnrecordedBenefit>
  <axp:SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleEquity id="ID_1169" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">529000000</axp:SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleEquity>
  <us-gaap:EffectiveIncomeTaxRateContinuingOperations id="ID_1170" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="pure" decimals="3">0.342</us-gaap:EffectiveIncomeTaxRateContinuingOperations>
  <us-gaap:EffectiveIncomeTaxRateContinuingOperations id="ID_1171" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="pure" decimals="3">0.318</us-gaap:EffectiveIncomeTaxRateContinuingOperations>
  <us-gaap:OpenTaxYear id="ID_1172" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_axp_OpenTaxYearsAxis_axp_EarliestYearMember_us-gaap_IncomeTaxAuthorityAxis_us-gaap_InternalRevenueServiceIRSMember">2008</us-gaap:OpenTaxYear>
  <us-gaap:OpenTaxYear id="ID_1173" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_axp_OpenTaxYearsAxis_axp_LatestYearMember_us-gaap_IncomeTaxAuthorityAxis_us-gaap_InternalRevenueServiceIRSMember">2011</us-gaap:OpenTaxYear>
  <us-gaap:EffectiveIncomeTaxRateContinuingOperations id="ID_1174" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="pure" decimals="3">0.344</us-gaap:EffectiveIncomeTaxRateContinuingOperations>
  <us-gaap:EffectiveIncomeTaxRateContinuingOperations id="ID_1175" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="pure" decimals="3">0.314</us-gaap:EffectiveIncomeTaxRateContinuingOperations>
  <us-gaap:ConvertibleSubordinatedDebt id="ID_1176" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">750000000</us-gaap:ConvertibleSubordinatedDebt>
  <us-gaap:ConvertibleSubordinatedDebt id="ID_1177" contextRef="AS_OF_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">750000000</us-gaap:ConvertibleSubordinatedDebt>
  <axp:SubordinatedDebtIssuanceYear id="ID_1178" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">2006</axp:SubordinatedDebtIssuanceYear>
  <axp:SubordinatedDebtMaturityYear id="ID_1179" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">2036</axp:SubordinatedDebtMaturityYear>
  <axp:SubordinatedDebtIssuanceYear id="ID_1180" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962">2006</axp:SubordinatedDebtIssuanceYear>
  <axp:SubordinatedDebtMaturityYear id="ID_1181" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962">2036</axp:SubordinatedDebtMaturityYear>
  <axp:SubordinatedDebtIssuanceYear id="ID_1182" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962">2006</axp:SubordinatedDebtIssuanceYear>
  <axp:SubordinatedDebtIssuanceYear id="ID_1183" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962">2006</axp:SubordinatedDebtIssuanceYear>
  <axp:SubordinatedDebtMaturityYear id="ID_1184" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962">2036</axp:SubordinatedDebtMaturityYear>
  <axp:SubordinatedDebtMaturityYear id="ID_1185" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962">2036</axp:SubordinatedDebtMaturityYear>
  <us-gaap:EarningsPerShareTextBlock id="ID_1186" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-20.15pt;' &gt;13&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;E&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;arnings &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;P&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;er &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;C&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;ommon &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;S&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;hare &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;(EPS)&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The computations of basic and diluted &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;EPS&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;were as&amp;#160;follows: &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:254.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:254.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:92.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:92.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:92.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:92.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:254.25pt;text-align:left;border-color:Black;min-width:254.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:92.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:92.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:92.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:92.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:284.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:284.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions, except per share amounts)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:44.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:44.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:284.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:284.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Numerator:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:276.75pt;text-align:left;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Basic and diluted:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:269.25pt;text-align:left;border-color:Black;min-width:269.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Net income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,477&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,366&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4,438&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;4,051&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:269.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:269.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Earnings allocated to participating share awards&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(35)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(36)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:269.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:269.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Net income attributable to common shareholders&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,466&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,354&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4,403&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;4,015&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:284.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:284.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Denominator:&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; (a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:276.75pt;text-align:left;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Basic: Weighted-average common stock&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,041&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,074&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,051&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,087&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:276.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Add: Weighted-average stock options &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:276.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Diluted&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,047&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,081&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,057&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,094&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:254.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:254.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:284.25pt;text-align:left;border-color:Black;min-width:284.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Basic EPS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1.41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1.26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4.19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;3.69&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:284.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:284.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Diluted EPS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1.40&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1.25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4.17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;3.67&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;The Company&amp;#8217;s unvested restricted stock awards, which include the right to receive non-forfeitable dividends or dividend equivalents, are considered participating securities. Calculations of EPS under the two-class method exclude&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; from the numerator&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; any dividends paid or owed on participating securities and any undistributed earnings considered to be attributa&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;ble to participating securities. The related participating securities are similarly excluded from &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;the denominator.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;The dilutive effect of unexe&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;rcised stock options excludes 0.2 million and 0.1 million of options from the computation of EPS for &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;three months ended &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, respectively,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; and 0.2 million options for &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;both &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;the nine months ended &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; b&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;ecause inclusion of the options would have been anti-dilutive.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;For the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;three and nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, the Company&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;met specified performance measures related to the Subordinated Debentures of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;750&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; million issued&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; in 2006, and maturing in 2036&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;. If the&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; performance measures were not achieved in any given quarter, the Company would be required to issue common shares and apply the proceeds to make interest&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; payments.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:EarningsPerShareTextBlock>
  <us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock id="ID_1187" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The computations of basic and diluted &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;EPS&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;were as&amp;#160;follows: &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:254.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:254.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:92.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:92.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:92.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:92.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:254.25pt;text-align:left;border-color:Black;min-width:254.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:92.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:92.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:92.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:92.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:284.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:284.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions, except per share amounts)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:44.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:44.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:284.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:284.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Numerator:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:276.75pt;text-align:left;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Basic and diluted:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:269.25pt;text-align:left;border-color:Black;min-width:269.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Net income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,477&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,366&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4,438&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;4,051&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:269.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:269.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Earnings allocated to participating share awards&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(11)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(12)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(35)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(36)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:269.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:269.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Net income attributable to common shareholders&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,466&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,354&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4,403&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;4,015&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:284.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:284.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Denominator:&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; (a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:276.75pt;text-align:left;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Basic: Weighted-average common stock&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,041&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,074&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,051&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,087&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:276.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Add: Weighted-average stock options &lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(b)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;7&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:276.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:276.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Diluted&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,047&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,081&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,057&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,094&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:254.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:254.25pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:284.25pt;text-align:left;border-color:Black;min-width:284.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Basic EPS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1.41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1.26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4.19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;3.69&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:284.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:284.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Diluted EPS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1.40&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1.25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4.17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;3.67&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;The Company&amp;#8217;s unvested restricted stock awards, which include the right to receive non-forfeitable dividends or dividend equivalents, are considered participating securities. Calculations of EPS under the two-class method exclude&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; from the numerator&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; any dividends paid or owed on participating securities and any undistributed earnings considered to be attributa&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;ble to participating securities. The related participating securities are similarly excluded from &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;the denominator.&lt;/font&gt;&lt;/li&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;The dilutive effect of unexe&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;rcised stock options excludes 0.2 million and 0.1 million of options from the computation of EPS for &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;three months ended &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, respectively,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; and 0.2 million options for &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;both &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;the nine months ended &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; b&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;ecause inclusion of the options would have been anti-dilutive.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock>
  <axp:NetIncomeAttributableToCommonShareholders id="ID_1188" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1466000000</axp:NetIncomeAttributableToCommonShareholders>
  <axp:NetIncomeAttributableToCommonShareholders id="ID_1189" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">1354000000</axp:NetIncomeAttributableToCommonShareholders>
  <axp:NetIncomeAttributableToCommonShareholders id="ID_1190" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">4403000000</axp:NetIncomeAttributableToCommonShareholders>
  <axp:NetIncomeAttributableToCommonShareholders id="ID_1191" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">4015000000</axp:NetIncomeAttributableToCommonShareholders>
  <us-gaap:IncrementalCommonSharesAttributableToCallOptionsAndWarrants id="ID_1192" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="shares" decimals="-6">6000000</us-gaap:IncrementalCommonSharesAttributableToCallOptionsAndWarrants>
  <us-gaap:IncrementalCommonSharesAttributableToCallOptionsAndWarrants id="ID_1193" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="shares" decimals="-6">7000000</us-gaap:IncrementalCommonSharesAttributableToCallOptionsAndWarrants>
  <us-gaap:IncrementalCommonSharesAttributableToCallOptionsAndWarrants id="ID_1194" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="shares" decimals="-6">6000000</us-gaap:IncrementalCommonSharesAttributableToCallOptionsAndWarrants>
  <us-gaap:IncrementalCommonSharesAttributableToCallOptionsAndWarrants id="ID_1195" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="shares" decimals="-6">7000000</us-gaap:IncrementalCommonSharesAttributableToCallOptionsAndWarrants>
  <us-gaap:OtherIncomeAndOtherExpenseDisclosureTextBlock id="ID_1196" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-20.15pt;' &gt;14&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;Non-Interest Revenue and E&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;xpense&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt; Detail&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt; &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following is a deta&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;il of O&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ther commissions and fees&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;: &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:236.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:236.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:96pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:96pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:236.25pt;text-align:left;border-color:Black;min-width:236.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:96pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:96pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Foreign currency conversion fee revenue&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 225 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 223 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 665 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 655 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Delinquency fees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 184 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 172 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 539 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 503 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Loyalty Partner-related fees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 100 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 74 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 286 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 221 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Service fees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 94 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 97 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 274 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 273 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 39 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 44 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 120 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 136 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:246.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:246.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total Other commissions and fees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 642 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 610 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1,884 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 1,788 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:1.5pt;' &gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:236.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:236.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Other primarily includes fee revenue from fees related to Membership Rewards programs.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following is a detail of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;O&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ther revenues&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;: &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:236.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:236.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:236.25pt;text-align:left;border-color:Black;min-width:236.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:104.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:104.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Global Network Services partner revenues&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 173 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 171 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 513 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 466 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Net realized gains and losses on investment securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 20 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42pt;text-align:right;border-color:Black;min-width:42pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 37 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 100 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42pt;text-align:right;border-color:Black;min-width:42pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 102 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 400 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 393 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1,066 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 1,137 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:246.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:246.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total Other revenues&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;593&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:42pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;601&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,679&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:42pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,705&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Other &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;include&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;s&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; revenues arising from&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; foreign exchange gains on cross-border Card Member spending, merchant-related fees, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;insurance premiums earned from &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; travel and other insurance programs, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Travelers &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Cheques&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;-related revenues, revenues related &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;to the GBT JV transition services agreement, earnings from equity method investments and other miscellaneous revenue and fees. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following is a detail of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;M&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;arketing, promotion, rewards&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and other: &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:236.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:236.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:103.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:103.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:236.25pt;text-align:left;border-color:Black;min-width:236.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:103.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:103.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Marketing and promotion&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 809 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 827 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 2,407 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 2,234 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card Member rewards&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1,695 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 1,619 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 5,050 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 4,740 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card Member services and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 205 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 197 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 619 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 579 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:246.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:246.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total Marketing, promotion, rewards, Card Member services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:236.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:236.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 2,709 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2,643&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 8,076 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;7,553&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;Marketing and promotion expense includes advertising costs, which are expensed in the year in which the advertising first takes place. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; rewards expense includes the costs of rewards programs&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, including Membership Rewards&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and co-brand arrangements&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; services expense includes protection plans and complimentary services provided to &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;s.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following is a detail of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;O&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ther, net&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;expenses&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;: &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:103.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:103.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:103.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:103.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Professional services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;731&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;793&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2,240&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2,272&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Occupancy and equipment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;432&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;462&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,361&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,394&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card-related fraud losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;73&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;282&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;229&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Communications&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;91&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;94&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;285&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;282&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Gain on business travel joint venture transaction&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &amp;#8213;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(641)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &amp;#8213;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;269&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;866&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;734&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:257.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total Other, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,596&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,691&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4,393&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;4,911&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;line-height:13.8pt;' &gt;&lt;/p&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Other expense inclu&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;des general operating expenses, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;gains (losses) on sale of assets or businesses not classified as discontinued operations&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; (other than the business travel joint venture transaction)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, litigation, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;certain &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;internal and regulatory &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;review-related reimbursements and insurance costs or settlements, investment impairments and certain Loyalty Partner&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;-related&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; expenses&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;</us-gaap:OtherIncomeAndOtherExpenseDisclosureTextBlock>
  <axp:OtherCommissionsAndFeesTextBlock id="ID_1197" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following is a deta&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;il of O&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ther commissions and fees&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;: &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:236.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:236.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:96pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:96pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:236.25pt;text-align:left;border-color:Black;min-width:236.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:96pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:96pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Foreign currency conversion fee revenue&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 225 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 223 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 665 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 655 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Delinquency fees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 184 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 172 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 539 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 503 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Loyalty Partner-related fees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 100 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 74 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 286 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 221 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Service fees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 94 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 97 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 274 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 273 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 39 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 44 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 120 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 136 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:246.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:246.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total Other commissions and fees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 642 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 610 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1,884 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 1,788 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:1.5pt;' &gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:236.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:236.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Other primarily includes fee revenue from fees related to Membership Rewards programs.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;</axp:OtherCommissionsAndFeesTextBlock>
  <axp:ForeignCurrencyGainLoss id="ID_1198" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">225000000</axp:ForeignCurrencyGainLoss>
  <axp:DelinquencyFees id="ID_1199" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">184000000</axp:DelinquencyFees>
  <axp:DelinquencyFees id="ID_1200" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">172000000</axp:DelinquencyFees>
  <axp:OtherCommissionsAndFees id="ID_1201" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">44000000</axp:OtherCommissionsAndFees>
  <axp:ServiceFees id="ID_1202" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">97000000</axp:ServiceFees>
  <axp:ForeignCurrencyGainLoss id="ID_1203" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">223000000</axp:ForeignCurrencyGainLoss>
  <axp:ForeignCurrencyGainLoss id="ID_1204" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">665000000</axp:ForeignCurrencyGainLoss>
  <axp:DelinquencyFees id="ID_1205" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">539000000</axp:DelinquencyFees>
  <axp:OtherCommissionsAndFees id="ID_1206" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">120000000</axp:OtherCommissionsAndFees>
  <axp:ServiceFees id="ID_1207" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">274000000</axp:ServiceFees>
  <axp:OtherCommissionsAndFees id="ID_1208" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">136000000</axp:OtherCommissionsAndFees>
  <axp:DelinquencyFees id="ID_1209" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">503000000</axp:DelinquencyFees>
  <axp:ServiceFees id="ID_1210" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">273000000</axp:ServiceFees>
  <axp:ForeignCurrencyGainLoss id="ID_1211" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">655000000</axp:ForeignCurrencyGainLoss>
  <axp:LoyaltyPartnerRelatedFees id="ID_1212" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">100000000</axp:LoyaltyPartnerRelatedFees>
  <axp:LoyaltyPartnerRelatedFees id="ID_1213" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">74000000</axp:LoyaltyPartnerRelatedFees>
  <axp:LoyaltyPartnerRelatedFees id="ID_1214" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">286000000</axp:LoyaltyPartnerRelatedFees>
  <axp:LoyaltyPartnerRelatedFees id="ID_1215" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">221000000</axp:LoyaltyPartnerRelatedFees>
  <axp:ServiceFees id="ID_1216" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">94000000</axp:ServiceFees>
  <axp:OtherCommissionsAndFees id="ID_1217" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">39000000</axp:OtherCommissionsAndFees>
  <axp:OtherRevenuesTextBlock id="ID_1218" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following is a detail of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;O&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ther revenues&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;: &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:236.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:236.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:236.25pt;text-align:left;border-color:Black;min-width:236.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:104.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:104.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:104.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Global Network Services partner revenues&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 173 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 171 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 513 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 466 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Net realized gains and losses on investment securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 20 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42pt;text-align:right;border-color:Black;min-width:42pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 37 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 100 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42pt;text-align:right;border-color:Black;min-width:42pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 102 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 400 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 393 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1,066 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 1,137 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:246.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:246.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total Other revenues&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;593&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:42pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;601&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,679&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:42pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,705&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Other &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;include&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;s&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; revenues arising from&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; foreign exchange gains on cross-border Card Member spending, merchant-related fees, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;insurance premiums earned from &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; travel and other insurance programs, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Travelers &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Cheques&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;-related revenues, revenues related &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;to the GBT JV transition services agreement, earnings from equity method investments and other miscellaneous revenue and fees. &lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;</axp:OtherRevenuesTextBlock>
  <us-gaap:AvailableForSaleSecuritiesGrossRealizedGainLossNet id="ID_1219" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">20000000</us-gaap:AvailableForSaleSecuritiesGrossRealizedGainLossNet>
  <axp:OtherRevenues id="ID_1220" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">400000000</axp:OtherRevenues>
  <axp:GlobalNetworkServicesPartnerRevenues id="ID_1221" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">173000000</axp:GlobalNetworkServicesPartnerRevenues>
  <axp:OtherRevenues id="ID_1222" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">393000000</axp:OtherRevenues>
  <axp:GlobalNetworkServicesPartnerRevenues id="ID_1223" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">171000000</axp:GlobalNetworkServicesPartnerRevenues>
  <us-gaap:AvailableForSaleSecuritiesGrossRealizedGainLossNet id="ID_1224" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">37000000</us-gaap:AvailableForSaleSecuritiesGrossRealizedGainLossNet>
  <us-gaap:AvailableForSaleSecuritiesGrossRealizedGainLossNet id="ID_1225" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">100000000</us-gaap:AvailableForSaleSecuritiesGrossRealizedGainLossNet>
  <axp:OtherRevenues id="ID_1226" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1066000000</axp:OtherRevenues>
  <axp:GlobalNetworkServicesPartnerRevenues id="ID_1227" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">513000000</axp:GlobalNetworkServicesPartnerRevenues>
  <us-gaap:AvailableForSaleSecuritiesGrossRealizedGainLossNet id="ID_1228" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">102000000</us-gaap:AvailableForSaleSecuritiesGrossRealizedGainLossNet>
  <axp:OtherRevenues id="ID_1229" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">1137000000</axp:OtherRevenues>
  <axp:GlobalNetworkServicesPartnerRevenues id="ID_1230" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">466000000</axp:GlobalNetworkServicesPartnerRevenues>
  <axp:MarketingPromotionRewardsAndCardmemberServicesTextBlock id="ID_1231" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following is a detail of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;M&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;arketing, promotion, rewards&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, Card Member&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; services&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; and other: &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:236.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:236.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:103.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:103.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:236.25pt;text-align:left;border-color:Black;min-width:236.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:103.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:103.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Marketing and promotion&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 809 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 827 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 2,407 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 2,234 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card Member rewards&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 1,695 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 1,619 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 5,050 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 4,740 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card Member services and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 205 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 197 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 619 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; 579 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:246.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:246.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total Marketing, promotion, rewards, Card Member services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' &gt;&lt;/td&gt;&lt;td style='width:236.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:236.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 2,709 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2,643&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt; 8,076 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;7,553&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</axp:MarketingPromotionRewardsAndCardmemberServicesTextBlock>
  <axp:CardmemberRewards id="ID_1232" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">1619000000</axp:CardmemberRewards>
  <axp:CardmemberServices id="ID_1233" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">197000000</axp:CardmemberServices>
  <axp:MarketingAndPromotion id="ID_1234" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">827000000</axp:MarketingAndPromotion>
  <axp:CardmemberServices id="ID_1235" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">579000000</axp:CardmemberServices>
  <axp:MarketingAndPromotion id="ID_1236" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">2234000000</axp:MarketingAndPromotion>
  <axp:CardmemberRewards id="ID_1237" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">4740000000</axp:CardmemberRewards>
  <axp:MarketingAndPromotion id="ID_1238" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">809000000</axp:MarketingAndPromotion>
  <axp:CardmemberRewards id="ID_1239" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1695000000</axp:CardmemberRewards>
  <axp:CardmemberServices id="ID_1240" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">205000000</axp:CardmemberServices>
  <axp:CardmemberServices id="ID_1241" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">619000000</axp:CardmemberServices>
  <axp:CardmemberRewards id="ID_1242" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">5050000000</axp:CardmemberRewards>
  <axp:MarketingAndPromotion id="ID_1243" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">2407000000</axp:MarketingAndPromotion>
  <axp:OtherNetExpenseTextBlock id="ID_1244" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following is a detail of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;O&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ther, net&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;expenses&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;: &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:103.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:103.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:103.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='5' rowspan='1' style='width:103.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Professional services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;731&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;793&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2,240&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2,272&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Occupancy and equipment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;432&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;462&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,361&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,394&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Card-related fraud losses&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;96&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;73&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;282&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;229&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Communications&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;91&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;94&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;285&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;282&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Gain on business travel joint venture transaction&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(15)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &amp;#8213;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(641)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt; &amp;#8213;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:9.75pt;' &gt;&lt;td style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;269&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;866&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;734&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:257.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:257.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total Other, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,596&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,691&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4,393&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;4,911&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;line-height:13.8pt;' &gt;&lt;/p&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Other expense inclu&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;des general operating expenses, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;gains (losses) on sale of assets or businesses not classified as discontinued operations&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; (other than the business travel joint venture transaction)&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;, litigation, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;certain &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;internal and regulatory &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;review-related reimbursements and insurance costs or settlements, investment impairments and certain Loyalty Partner&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;-related&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt; expenses&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;</axp:OtherNetExpenseTextBlock>
  <axp:ProfessionalServices id="ID_1245" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">2240000000</axp:ProfessionalServices>
  <us-gaap:OccupancyNet id="ID_1246" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">1361000000</us-gaap:OccupancyNet>
  <axp:Communications id="ID_1247" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">285000000</axp:Communications>
  <axp:OtherNetExpenses id="ID_1248" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">866000000</axp:OtherNetExpenses>
  <axp:OtherNetExpenses id="ID_1249" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">261000000</axp:OtherNetExpenses>
  <us-gaap:OccupancyNet id="ID_1250" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">432000000</us-gaap:OccupancyNet>
  <axp:Communications id="ID_1251" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">91000000</axp:Communications>
  <axp:ProfessionalServices id="ID_1252" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">731000000</axp:ProfessionalServices>
  <axp:Communications id="ID_1253" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">94000000</axp:Communications>
  <axp:ProfessionalServices id="ID_1254" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">793000000</axp:ProfessionalServices>
  <axp:OtherNetExpenses id="ID_1255" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">269000000</axp:OtherNetExpenses>
  <us-gaap:OccupancyNet id="ID_1256" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">462000000</us-gaap:OccupancyNet>
  <axp:OtherNetExpenses id="ID_1257" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">734000000</axp:OtherNetExpenses>
  <axp:Communications id="ID_1258" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">282000000</axp:Communications>
  <axp:ProfessionalServices id="ID_1259" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">2272000000</axp:ProfessionalServices>
  <us-gaap:OccupancyNet id="ID_1260" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">1394000000</us-gaap:OccupancyNet>
  <axp:CardRelatedFraudLosses id="ID_1261" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">96000000</axp:CardRelatedFraudLosses>
  <axp:CardRelatedFraudLosses id="ID_1262" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">73000000</axp:CardRelatedFraudLosses>
  <axp:CardRelatedFraudLosses id="ID_1263" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">282000000</axp:CardRelatedFraudLosses>
  <axp:CardRelatedFraudLosses id="ID_1264" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">229000000</axp:CardRelatedFraudLosses>
  <axp:DeconsolidationGainOrLossAmountBeforeTax id="ID_1265" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">15000000</axp:DeconsolidationGainOrLossAmountBeforeTax>
  <axp:DeconsolidationGainOrLossAmountBeforeTax id="ID_1266" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">641000000</axp:DeconsolidationGainOrLossAmountBeforeTax>
  <axp:DeconsolidationGainOrLossAmountBeforeTax id="ID_1267" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">0</axp:DeconsolidationGainOrLossAmountBeforeTax>
  <axp:DeconsolidationGainOrLossAmountBeforeTax id="ID_1268" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-6">0</axp:DeconsolidationGainOrLossAmountBeforeTax>
  <us-gaap:LossContingencyRangeOfPossibleLossMinimum id="ID_1269" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">0</us-gaap:LossContingencyRangeOfPossibleLossMinimum>
  <us-gaap:LossContingencyRangeOfPossibleLossMaximum id="ID_1270" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">350000000</us-gaap:LossContingencyRangeOfPossibleLossMaximum>
  <us-gaap:CommitmentsAndContingenciesPolicyTextBlock id="ID_1271" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The Company has recorded liabilities for certain of its outstanding legal proceedings and governmental examinations. A liability is accrued when it is both (a) proba&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ble that a loss has occurred and (b) the amount of lo&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ss can be reasonably estimated. T&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;here may be &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;instances in which &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;an exposure to loss &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;exceeds the accrued liability&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;. The Company evaluates, on a quarterly basis, developments in legal proceedings and gover&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;nmental examinations that could cause an increase or decrease in the amount of the liability that has been previously accrued&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; or a revision to the disclosed estimated range of possible losses, as applicable&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:CommitmentsAndContingenciesPolicyTextBlock>
  <us-gaap:SegmentReportingDisclosureTextBlock id="ID_1272" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-20.15pt;' &gt;16&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;.  &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;Reportable Operating Segments&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:9pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The Company is a leading global payments and travel company that is principally engaged in businesses comprising four reportable operating segments: USCS, ICS, GCS and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Global Network Merchant Services (&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;GNMS&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;).&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Corporate functions and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;certain other&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; businesses, including the Company&amp;#8217;s &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Enterprise Growth Group, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;as well as other Company operations are included in Corporate&amp;#160;&amp;amp; Other.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table presents certain selected financial information for &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;three and nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:234.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:234.75pt;text-align:left;border-color:Black;min-width:234.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:101.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:101.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Non-interest revenues:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;USCS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;3,214&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;3,050&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;9,453&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;8,991&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;ICS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,206&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,161&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;3,571&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;3,415&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;GCS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;957&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,277&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;3,538&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;3,787&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;GNMS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,368&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,309&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4,027&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;3,856&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Corporate &amp;amp; Other, including adjustments and eliminations&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;189&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;221&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;548&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;650&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:234.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:234.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;6,934&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;7,018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;21,137&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;20,699&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:234.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Interest income:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;USCS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,465&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,408&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4,296&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;4,148&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;ICS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;273&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;281&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;825&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;830&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;GCS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;GNMS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Corporate &amp;amp; Other, including adjustments and eliminations&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;183&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;213&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:234.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:234.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,815&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,767&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;5,350&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;5,223&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:234.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Interest expense:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;USCS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;152&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;172&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;455&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;532&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;ICS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;85&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;86&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;259&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;273&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;GCS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;61&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;186&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;181&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;GNMS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(68)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(62)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(208)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(187)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Corporate &amp;amp; Other, including adjustments and eliminations&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;190&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;610&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;696&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:234.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:234.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;420&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;484&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,302&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,495&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:234.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Total revenues net of interest expense:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;USCS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4,527&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;4,286&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;13,294&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;12,607&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;ICS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,394&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,356&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4,137&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;3,972&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;GCS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;900&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,221&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;3,363&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;3,615&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;GNMS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,450&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,379&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4,270&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;4,066&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Corporate &amp;amp; Other, including adjustments and eliminations&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;58&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;121&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;167&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:234.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:234.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;8,329&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;8,301&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;25,185&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;24,427&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:234.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Net income (loss):&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;USCS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;889&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;782&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2,535&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2,329&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;ICS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;142&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;142&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;378&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;528&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;GCS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;204&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;949&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;678&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;GNMS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;427&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,243&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,176&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Corporate &amp;amp; Other, including adjustments and eliminations&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(185)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(210)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(667)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(660)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:234.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:234.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,477&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,366&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4,438&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;4,051&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;line-height:13.8pt;' &gt;&lt;/p&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:3pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Corporate&amp;#160;&amp;amp; Other includes adjustments and eliminations for intersegment activity.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;</us-gaap:SegmentReportingDisclosureTextBlock>
  <us-gaap:ScheduleOfSegmentReportingInformationBySegmentTextBlock id="ID_1273" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The following table presents certain selected financial information for &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;three and nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:234.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Three Months Ended&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Nine Months Ended&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:234.75pt;text-align:left;border-color:Black;min-width:234.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:101.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:101.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:101.25pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;September 30,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' &gt;(Millions)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2014&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2013&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Non-interest revenues:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;USCS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;3,214&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;3,050&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;9,453&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;8,991&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;ICS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,206&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,161&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;3,571&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;3,415&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;GCS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;957&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,277&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;3,538&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;3,787&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;GNMS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,368&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,309&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4,027&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;3,856&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Corporate &amp;amp; Other, including adjustments and eliminations&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;189&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;221&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;548&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;650&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:234.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:234.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;6,934&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;7,018&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;21,137&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;20,699&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:234.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Interest income:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;USCS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,465&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,408&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4,296&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;4,148&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;ICS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;273&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;281&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;825&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;830&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;GCS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;GNMS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Corporate &amp;amp; Other, including adjustments and eliminations&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;183&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;213&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:234.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:234.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,815&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,767&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;5,350&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;5,223&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:234.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Interest expense:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;USCS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;152&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;172&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;455&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;532&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;ICS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;85&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;86&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;259&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;273&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;GCS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;61&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;186&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;181&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;GNMS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(68)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(62)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(208)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(187)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Corporate &amp;amp; Other, including adjustments and eliminations&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;190&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;610&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;696&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:234.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:234.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;420&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;484&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,302&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,495&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:234.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Total revenues net of interest expense:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;USCS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4,527&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;4,286&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;13,294&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;12,607&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;ICS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,394&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,356&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4,137&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;3,972&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;GCS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;900&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,221&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;3,363&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;3,615&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;GNMS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,450&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,379&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4,270&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;4,066&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Corporate &amp;amp; Other, including adjustments and eliminations&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;58&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;59&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;121&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;167&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:234.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:234.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;8,329&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;8,301&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;25,185&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;24,427&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:234.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234.75pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;Net income (loss):&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' &gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;USCS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;889&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;782&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;2,535&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;2,329&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;ICS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;142&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;142&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;378&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;528&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;GCS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;204&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;949&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;678&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;GNMS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;427&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,243&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,176&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Corporate &amp;amp; Other, including adjustments and eliminations&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(185)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(210)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;(667)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;(660)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' &gt;&lt;/td&gt;&lt;td style='width:234.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:234.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;1,477&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;1,366&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' &gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' &gt;4,438&lt;/font&gt;&lt;/td&gt;&lt;td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;$&lt;/font&gt;&lt;/td&gt;&lt;td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:10pt;color:#000000;' &gt;4,051&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='text-align:justify;line-height:13.8pt;' &gt;&lt;/p&gt;&lt;ul&gt;&lt;li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:3pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:8pt;' &gt;Corporate&amp;#160;&amp;amp; Other includes adjustments and eliminations for intersegment activity.&lt;/font&gt;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;</us-gaap:ScheduleOfSegmentReportingInformationBySegmentTextBlock>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_1274" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">4148000000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_1275" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">4296000000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_1276" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">830000000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_1277" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">825000000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_1278" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">11000000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_1279" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">9000000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_1280" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember" unitRef="USD" decimals="-6">35000000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_1281" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember" unitRef="USD" decimals="-6">23000000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_1282" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember" unitRef="USD" decimals="-6">213000000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_1283" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember" unitRef="USD" decimals="-6">183000000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestExpense id="ID_1284" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">532000000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense id="ID_1285" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">455000000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense id="ID_1286" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">273000000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense id="ID_1287" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">259000000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense id="ID_1288" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">186000000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense id="ID_1289" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">181000000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense id="ID_1290" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember" unitRef="USD" decimals="-6">-208000000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense id="ID_1291" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember" unitRef="USD" decimals="-6">-187000000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense id="ID_1292" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember" unitRef="USD" decimals="-6">610000000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense id="ID_1293" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember" unitRef="USD" decimals="-6">696000000</us-gaap:InterestExpense>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_1294" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">13294000000</axp:TotalRevenuesNetOfInterestExpense>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_1295" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">3363000000</axp:TotalRevenuesNetOfInterestExpense>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_1296" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">4137000000</axp:TotalRevenuesNetOfInterestExpense>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_1297" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember" unitRef="USD" decimals="-6">121000000</axp:TotalRevenuesNetOfInterestExpense>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_1298" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember" unitRef="USD" decimals="-6">4270000000</axp:TotalRevenuesNetOfInterestExpense>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_1299" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">3972000000</axp:TotalRevenuesNetOfInterestExpense>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_1300" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">12607000000</axp:TotalRevenuesNetOfInterestExpense>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_1301" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">3615000000</axp:TotalRevenuesNetOfInterestExpense>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_1302" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember" unitRef="USD" decimals="-6">4066000000</axp:TotalRevenuesNetOfInterestExpense>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_1303" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember" unitRef="USD" decimals="-6">167000000</axp:TotalRevenuesNetOfInterestExpense>
  <us-gaap:NetIncomeLoss id="ID_1304" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">2535000000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="ID_1305" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">2329000000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="ID_1306" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">378000000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="ID_1307" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">528000000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="ID_1308" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">949000000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="ID_1309" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">678000000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="ID_1310" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember" unitRef="USD" decimals="-6">1176000000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="ID_1311" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember" unitRef="USD" decimals="-6">1243000000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="ID_1312" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember" unitRef="USD" decimals="-6">-667000000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="ID_1313" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember" unitRef="USD" decimals="-6">-660000000</us-gaap:NetIncomeLoss>
  <us-gaap:NoninterestIncome id="ID_1314" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">9453000000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="ID_1315" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">3571000000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="ID_1316" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">3538000000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="ID_1317" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember" unitRef="USD" decimals="-6">4027000000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="ID_1318" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember" unitRef="USD" decimals="-6">548000000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="ID_1319" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">8991000000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="ID_1320" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">3415000000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="ID_1321" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">3787000000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="ID_1322" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember" unitRef="USD" decimals="-6">3856000000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="ID_1323" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember" unitRef="USD" decimals="-6">650000000</us-gaap:NoninterestIncome>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_1324" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">1465000000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:NoninterestIncome id="ID_1325" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">3050000000</us-gaap:NoninterestIncome>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_1326" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">4527000000</axp:TotalRevenuesNetOfInterestExpense>
  <us-gaap:NoninterestIncome id="ID_1327" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">3214000000</us-gaap:NoninterestIncome>
  <us-gaap:InterestExpense id="ID_1328" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">152000000</us-gaap:InterestExpense>
  <us-gaap:NetIncomeLoss id="ID_1329" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">889000000</us-gaap:NetIncomeLoss>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_1330" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">4286000000</axp:TotalRevenuesNetOfInterestExpense>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_1331" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">1408000000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestExpense id="ID_1332" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">172000000</us-gaap:InterestExpense>
  <us-gaap:NetIncomeLoss id="ID_1333" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_USCardServicesMember" unitRef="USD" decimals="-6">782000000</us-gaap:NetIncomeLoss>
  <us-gaap:InterestExpense id="ID_1334" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">85000000</us-gaap:InterestExpense>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_1335" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">1356000000</axp:TotalRevenuesNetOfInterestExpense>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_1336" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">1394000000</axp:TotalRevenuesNetOfInterestExpense>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_1337" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">273000000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_1338" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">281000000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:NoninterestIncome id="ID_1339" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">1161000000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="ID_1340" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">1206000000</us-gaap:NoninterestIncome>
  <us-gaap:NetIncomeLoss id="ID_1341" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">142000000</us-gaap:NetIncomeLoss>
  <us-gaap:InterestExpense id="ID_1342" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">86000000</us-gaap:InterestExpense>
  <us-gaap:NetIncomeLoss id="ID_1343" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_InternationalCardServicesMember" unitRef="USD" decimals="-6">142000000</us-gaap:NetIncomeLoss>
  <us-gaap:NoninterestIncome id="ID_1344" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">957000000</us-gaap:NoninterestIncome>
  <us-gaap:InterestExpense id="ID_1345" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">59000000</us-gaap:InterestExpense>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_1346" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">3000000</us-gaap:InterestAndDividendIncomeOperating>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_1347" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">1221000000</axp:TotalRevenuesNetOfInterestExpense>
  <us-gaap:NoninterestIncome id="ID_1348" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">1277000000</us-gaap:NoninterestIncome>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_1349" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">4000000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestExpense id="ID_1350" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">61000000</us-gaap:InterestExpense>
  <us-gaap:NetIncomeLoss id="ID_1351" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">204000000</us-gaap:NetIncomeLoss>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_1352" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">900000000</axp:TotalRevenuesNetOfInterestExpense>
  <us-gaap:NetIncomeLoss id="ID_1353" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalCommercialServicesMember" unitRef="USD" decimals="-6">261000000</us-gaap:NetIncomeLoss>
  <us-gaap:NoninterestIncome id="ID_1354" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember" unitRef="USD" decimals="-6">1309000000</us-gaap:NoninterestIncome>
  <us-gaap:NetIncomeLoss id="ID_1355" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember" unitRef="USD" decimals="-6">427000000</us-gaap:NetIncomeLoss>
  <us-gaap:InterestExpense id="ID_1356" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember" unitRef="USD" decimals="-6">-62000000</us-gaap:InterestExpense>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_1357" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember" unitRef="USD" decimals="-6">14000000</us-gaap:InterestAndDividendIncomeOperating>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_1358" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember" unitRef="USD" decimals="-6">1450000000</axp:TotalRevenuesNetOfInterestExpense>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_1359" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember" unitRef="USD" decimals="-6">8000000</us-gaap:InterestAndDividendIncomeOperating>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_1360" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember" unitRef="USD" decimals="-6">1379000000</axp:TotalRevenuesNetOfInterestExpense>
  <us-gaap:NoninterestIncome id="ID_1361" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember" unitRef="USD" decimals="-6">1368000000</us-gaap:NoninterestIncome>
  <us-gaap:InterestExpense id="ID_1362" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember" unitRef="USD" decimals="-6">-68000000</us-gaap:InterestExpense>
  <us-gaap:NetIncomeLoss id="ID_1363" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_axp_GlobalNetworkAndMerchantServicesMember" unitRef="USD" decimals="-6">391000000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="ID_1364" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember" unitRef="USD" decimals="-6">-210000000</us-gaap:NetIncomeLoss>
  <us-gaap:NoninterestIncome id="ID_1365" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember" unitRef="USD" decimals="-6">221000000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="ID_1366" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember" unitRef="USD" decimals="-6">189000000</us-gaap:NoninterestIncome>
  <us-gaap:NetIncomeLoss id="ID_1367" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember" unitRef="USD" decimals="-6">-185000000</us-gaap:NetIncomeLoss>
  <us-gaap:InterestExpense id="ID_1368" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember" unitRef="USD" decimals="-6">229000000</us-gaap:InterestExpense>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_1369" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember" unitRef="USD" decimals="-6">59000000</axp:TotalRevenuesNetOfInterestExpense>
  <us-gaap:InterestExpense id="ID_1370" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember" unitRef="USD" decimals="-6">190000000</us-gaap:InterestExpense>
  <axp:TotalRevenuesNetOfInterestExpense id="ID_1371" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember" unitRef="USD" decimals="-6">58000000</axp:TotalRevenuesNetOfInterestExpense>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_1372" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember" unitRef="USD" decimals="-6">59000000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="ID_1373" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementBusinessSegmentsAxis_us-gaap_CorporateAndOtherMember" unitRef="USD" decimals="-6">67000000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:GuaranteeObligationsMaximumExposure id="ID_1374" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_GuaranteeObligationsByNatureAxis_axp_CardAndTravelOperationsMember" unitRef="USD" decimals="INF">44000000000</us-gaap:GuaranteeObligationsMaximumExposure>
  <us-gaap:GuaranteeObligationsMaximumExposure id="ID_1375" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_GuaranteeObligationsByNatureAxis_us-gaap_GuaranteeTypeOtherMember" unitRef="USD" decimals="INF">1000000000</us-gaap:GuaranteeObligationsMaximumExposure>
  <us-gaap:GuaranteeObligationsCurrentCarryingValue id="ID_1376" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_GuaranteeObligationsByNatureAxis_axp_CardAndTravelOperationsMember" unitRef="USD" decimals="-6">43000000</us-gaap:GuaranteeObligationsCurrentCarryingValue>
  <us-gaap:GuaranteeObligationsCurrentCarryingValue id="ID_1377" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_GuaranteeObligationsByNatureAxis_us-gaap_GuaranteeTypeOtherMember" unitRef="USD" decimals="-6">71000000</us-gaap:GuaranteeObligationsCurrentCarryingValue>
  <us-gaap:GuaranteeObligationsMaximumExposure id="ID_1378" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_GuaranteeObligationsByNatureAxis_axp_CardAndTravelOperationsMember" unitRef="USD" decimals="-9">44000000000</us-gaap:GuaranteeObligationsMaximumExposure>
  <us-gaap:GuaranteeObligationsMaximumExposure id="ID_1379" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_GuaranteeObligationsByNatureAxis_us-gaap_GuaranteeTypeOtherMember" unitRef="USD" decimals="-9">1000000000</us-gaap:GuaranteeObligationsMaximumExposure>
  <us-gaap:GuaranteeObligationsCurrentCarryingValue id="ID_1380" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_GuaranteeObligationsByNatureAxis_axp_CardAndTravelOperationsMember" unitRef="USD" decimals="-6">88000000</us-gaap:GuaranteeObligationsCurrentCarryingValue>
  <us-gaap:GuaranteeObligationsCurrentCarryingValue id="ID_1381" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_GuaranteeObligationsByNatureAxis_us-gaap_GuaranteeTypeOtherMember" unitRef="USD" decimals="-6">73000000</us-gaap:GuaranteeObligationsCurrentCarryingValue>
  <us-gaap:GuaranteeObligationsMaximumExposure id="ID_1382" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-9">45000000000</us-gaap:GuaranteeObligationsMaximumExposure>
  <us-gaap:GuaranteeObligationsCurrentCarryingValue id="ID_1383" contextRef="AS_OF_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-6">114000000</us-gaap:GuaranteeObligationsCurrentCarryingValue>
  <us-gaap:GuaranteeObligationsMaximumExposure id="ID_1384" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-9">45000000000</us-gaap:GuaranteeObligationsMaximumExposure>
  <us-gaap:GuaranteeObligationsCurrentCarryingValue id="ID_1385" contextRef="AS_OF_Dec31_2013_Entity_0000004962" unitRef="USD" decimals="-6">161000000</us-gaap:GuaranteeObligationsCurrentCarryingValue>
  <axp:OtherNoninterestExpenseTax id="ID_1386" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="INF">1000000</axp:OtherNoninterestExpenseTax>
  <us-gaap:OtherNoninterestExpense id="ID_1387" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="INF">0</us-gaap:OtherNoninterestExpense>
  <axp:OtherNoninterestExpenseTax id="ID_1388" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="INF">-3000000</axp:OtherNoninterestExpenseTax>
  <us-gaap:OtherNoninterestExpense id="ID_1389" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="INF">8000000</us-gaap:OtherNoninterestExpense>
  <us-gaap:NoninterestIncomeOtherOperatingIncome id="ID_1390" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="INF">-36000000</us-gaap:NoninterestIncomeOtherOperatingIncome>
  <axp:NoninterestIncomeOtherOperatingIncomeTax id="ID_1391" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="INF">13000000</axp:NoninterestIncomeOtherOperatingIncomeTax>
  <axp:NoninterestIncomeOtherOperatingIncomeNet id="ID_1392" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="INF">-23000000</axp:NoninterestIncomeOtherOperatingIncomeNet>
  <us-gaap:DerivativeGainLossOnDerivativeNet id="ID_1393" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="INF">108000000</us-gaap:DerivativeGainLossOnDerivativeNet>
  <us-gaap:DerivativeGainLossOnDerivativeNet id="ID_1394" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_axp_CostOfCardMemberServicesMember" unitRef="USD" decimals="INF">0</us-gaap:DerivativeGainLossOnDerivativeNet>
  <us-gaap:DerivativeGainLossOnDerivativeNet id="ID_1395" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember" unitRef="USD" decimals="INF">109000000</us-gaap:DerivativeGainLossOnDerivativeNet>
  <us-gaap:DerivativeGainLossOnDerivativeNet id="ID_1396" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember" unitRef="USD" decimals="INF">88000000</us-gaap:DerivativeGainLossOnDerivativeNet>
  <us-gaap:DerivativeGainLossOnDerivativeNet id="ID_1397" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_axp_CostOfCardMemberServicesMember" unitRef="USD" decimals="INF">4000000</us-gaap:DerivativeGainLossOnDerivativeNet>
  <us-gaap:DerivativeGainLossOnDerivativeNet id="ID_1398" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_ForeignExchangeContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="INF">84000000</us-gaap:DerivativeGainLossOnDerivativeNet>
  <us-gaap:BusinessCombinationDisclosureTextBlock id="ID_1399" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:0pt;' &gt;2. Divestitures&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;On June 30, 2014, the Company completed &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;a transaction to establish a non-consolidated joint venture,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;GBT JV, comprising the former Global Business Travel (&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;GBT&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;) operations of the Company&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, historical&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ly reported within the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Global Co&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;mmercial Services (GCS) segment, and an external cash investment.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; The Company &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;has &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;retained a &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;50&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;percent ownership &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;interest&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;in the GBT JV &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;with an estimated&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;fair value &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;of&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;that interest of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;approximately $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;900&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; million, which is account&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ed for as an equity method investment &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;effective &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;June 30, 2014, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;and reported in &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;O&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ther&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; assets&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; within the Consolidated Balance Sheets&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;.&amp;#160;In exchange for &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;cash con&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;tribution&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; of $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;900&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; million paid into the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;GBT JV&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, a&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;n unrelated&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; investor group holds the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;remaining &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;50&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;percent &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ownership interest.&amp;#160;The investor group&amp;#8217;s &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;cash contribution provides the primary basis for the Company&amp;#8217;s&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; determination of the estimated &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;fair value of its &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;50&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; percent&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ownership interest.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;&amp;#160; &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;As a result of the tra&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;nsaction, the Company deconsolidated the GBT &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;net assets &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;and recognized a net gain of $&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;626&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; million ($&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;409&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; million after tax), which &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;was&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; reported as&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; a reduction to o&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ther expense&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;for t&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;he quarter ended June 30, 2014. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Prior to the deconsolidation, the carrying amount of GBT&amp;#8217;s assets and liabilities were not material to the Company&amp;#8217;s financial position.&amp;#160; &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;GBT JV&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; operate&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;s&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; under the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;&amp;#8220;&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;American Expres&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;s Global Business Travel&amp;#8221;&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; brand, pursuant to a trademark license agree&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ment provided by the Company.&amp;#160;The Company has also entered into a &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;transition&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; services agreement and certain other&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; operating agreements with the GBT JV&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, pursuan&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;t to which the Company and the GBT JV&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; provide one&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; another with certain services and that result i&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;n related-party receivables and payables. There was no material impact to the Company during the current quarter related to the GBT JV&amp;#8217;s results of operations or the related agreements. &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:BusinessCombinationDisclosureTextBlock>
  <us-gaap:NoninterestIncomeOtherOperatingIncome id="ID_1400" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="INF">-21000000</us-gaap:NoninterestIncomeOtherOperatingIncome>
  <axp:NoninterestIncomeOtherOperatingIncomeTax id="ID_1401" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="INF">8000000</axp:NoninterestIncomeOtherOperatingIncomeTax>
  <axp:NoninterestIncomeOtherOperatingIncomeNet id="ID_1402" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="INF">-13000000</axp:NoninterestIncomeOtherOperatingIncomeNet>
  <us-gaap:OtherNoninterestExpense id="ID_1403" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="INF">0</us-gaap:OtherNoninterestExpense>
  <axp:OtherNoninterestExpenseTax id="ID_1404" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="INF">0</axp:OtherNoninterestExpenseTax>
  <axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax id="ID_1405" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="INF">0</axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax>
  <us-gaap:OtherNoninterestExpense id="ID_1406" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="INF">0</us-gaap:OtherNoninterestExpense>
  <axp:OtherNoninterestExpenseTax id="ID_1407" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="INF">0</axp:OtherNoninterestExpenseTax>
  <axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax id="ID_1408" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="INF">0</axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax>
  <us-gaap:OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock id="ID_1409" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:4.5pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-14.4pt;' &gt;1&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;.  Basis of Presentation&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;' &gt;The Company&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;American Express Company (the Company) is a global services company that provides customers with access to products, insights and experiences that enrich lives and build business success. The Company&amp;#8217;s &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;principal products and services are charge and credit payment card products and travel-related services offered to consumers and businesses around the world. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Effective July 1, 2014, business travel-related services are offered through the non-consolidated &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;joint venture, American Express &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Global Business Travel (GBT JV). Prior to July 1, 2014, the business travel operations were previously wholly owned. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;The Company also focuses on generating alternative sources of revenue on a global basis in areas such as o&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;nline and mobile payments and fee-based services. The Company&amp;#8217;s various products and services are sold globally to diverse customer groups, including consumers, small businesses, mid-sized companies and large corporations. These products and services are s&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;old through various channels, including direct mail, online applications, targeted direct and third-party sales forces and direct response advertising.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The accompanying Consolidated Financial Statements should be read in conjunction with the financial sta&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;tements incorporated by reference in the Company&amp;#8217;s Annual Report on Form 10-K for the year ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:12pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;December 31,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; (the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Annual Report&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The interim consolidated financial information in this report has not been audited. In the opinion of management, al&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;l adjustments, which consist of normal recurring adjustments necessary for a fair statement of the interim period consolidated financial information, have been made. Results of operations reported for interim periods are not necessarily indicative of resul&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ts for the entire year.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America (GAAP) requires management to make estimates and assumptions that affect the reported &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;amounts of assets, liabilities, revenue and expense, and the disclosures of contingent assets and liabilities. These accounting estimates reflect the best judgment of management, but actual results could differ.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;Certain reclassifications of prior period &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;amounts have been made to conform to the current period presentation. These reclassifications did not have a material impact on the Company&amp;#8217;s financial position, results of operations or cash flows.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;' &gt;Recently Issued Accounting Standards&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;Accounting Standards&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; Update No. 2014-09, Revenue Recognition (Topic 606): Revenue from Contracts with Customers was issued on May 28, 2014.&amp;#160; The guidance establishes the principles to apply to determine the amount and timing of revenue recognition, specifying the accounting f&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;or certain costs related to revenue, and requiring additional disclosures about the nature, amount, timing and uncertainty of re&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;venues and related cash flows.&amp;#160;&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;The guidance supersedes most of the current revenue recognition requirements, and will be effect&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ive January 1, 2017.&amp;#160;&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;The Company is currently evaluating the impact this guidance, including the method of implementation, will have on its financial position, results of operations and cash flows, among other items.&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock>
  <us-gaap:IncomeTaxDisclosureTextBlock id="ID_1410" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-20.15pt;' &gt;12&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;Income Taxes&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The Company is under continuous examination by the Internal Revenue Service (IRS) and tax authorities in other countries and states in which the Company has significant business operations. The tax years under examination and open &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;for examination vary by jurisdiction. The IRS has completed its field examination of the Company&amp;#8217;s federal tax returns for years through 2007; however, refund claims for certain years continue to be reviewed by the IRS. In addition, the Company is currentl&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;y under examination by the IRS for the years&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2008&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; through &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2011&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The Company believes it is reasonably possible that its unrecognized tax benefits could decrease within the next 12&amp;#160;months by as much as &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;686&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; million principally as a result of p&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;otential resolutions of prior years&amp;#8217; tax items with various taxing authorities. The prior years&amp;#8217; tax items include unrecognized tax benefits relating to the deductibility of certain expenses or losses and the attribution of taxable income to a particular j&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;urisdiction or jurisdictions. Of the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;686&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; million of unrecognized tax benefits, approximately &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;529&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;million relates to amounts that if recognized would be recorded to shareholders&amp;#8217; equity and would not impact the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;Company&amp;#8217;s &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;results of operations or the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;effec&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;tive tax rate. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;effective tax rate was &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;34.2&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; percent and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;34.4&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; percent for the three &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;and nine months &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ended &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, respectively&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;. The effective tax rate was &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;31.8&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; percent and &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;31.4&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; percent for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;three and nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, respectively. The tax rate for the &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;three and nine months ended&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2013&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; reflects the resolution of certain prior years&amp;#8217; tax items as well as the reversal of a valuation allowance related to deferred tax assets within the business travel o&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;rganization. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The tax rates for all periods reflect the level of pretax income in relation to recurring permanent tax benefits and geographic mix of business. &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:IncomeTaxDisclosureTextBlock>
  <us-gaap:CommitmentsAndContingenciesDisclosureTextBlock id="ID_1411" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">&lt;div&gt;&lt;p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-19.45pt;' &gt;15&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;. &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' &gt;Contingencies&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:9pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The Company and its subsidiaries are involved in a number of legal proceedings concerning matters arising &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;out of&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; the conduct of their respective business activities and are periodically subject to governmental &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;and regulatory &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;examinations, information gathering requests, subpoenas, inquiries and investigations (collectively,&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; governmental examinations&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;). As of &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;September 30&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;2014&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;, the Company and various of its subsidiaries were named as a defendant or were otherwise involved in nu&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;merous legal proceedings and governmental examinations in various jurisdictions, both in &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;and outside the U.S. The Company discloses its material legal proceedings and governmental examinations under Item 1. &amp;#8220;Legal Proceedings&amp;#8221; in Part II. &amp;#8220;Other Informatio&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;n&amp;#8221;, and under &amp;#8220;Legal Proceedings&amp;#8221; in the Annual Report (collectively, Legal Proceedings).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The Company has recorded liabilities for certain of its outstanding legal proceedings and governmental examinations. A liability is accrued when it is both (a) proba&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ble that a loss has occurred and (b) the amount of lo&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ss can be reasonably estimated. T&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;here may be &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;instances in which &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;an exposure to loss &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;exceeds the accrued liability&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;. The Company evaluates, on a quarterly basis, developments in legal proceedings and gover&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;nmental examinations that could cause an increase or decrease in the amount of the liability that has been previously accrued&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; or a revision to the disclosed estimated range of possible losses, as applicable&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;The Company&amp;#8217;s legal proceedings range from cas&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;es brought by a single plaintiff to class actions with &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;millions &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;of putative class members. These legal proceedings, as well as governmental examinations, involve various lines of business of the Company and a variety of claims (including, but not limited t&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;o, common law tort, contract, antitrust and consumer protection claims), some of which present novel factual allegations and/or unique legal theories. While some matters pending against the Company specify the damages claimed by the plaintiff, many seek &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;an&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; unspecified &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;amount of damages or are at very early stages of the legal process. Even when the amount of damages claimed against the Company are stated, the claimed amount may be exaggerated and/or unsupported. As a result, some matters have not yet progre&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ssed sufficiently through discovery and/or development of important factual information and legal issues to enable the Company to estimate a range of possible loss.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;Other matters have progressed sufficiently through discovery and/or development of importa&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;nt factual information and legal issues s&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;o&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; that the Company is able to estimate a range of possible loss.  Accordingly, for those legal proceedings and governmental examination&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;s&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; disclosed &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;or referred to &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;in Legal Proceedings &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;where&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; a loss is reasonably possi&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ble in future periods, whether in excess of a related accrued liability or where there is no accrued liability, and for which the Company is able to estimate a range of possible loss, the current estimated range is&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;zero&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; to &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;$&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;350&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;million in exce&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ss o&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;f any accrued liability related to the&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;se matters. This aggregate range represents management&amp;#8217;s estimate of possible loss with respect to these matters and is based on currently available information. This estimated range of possible loss does not represent&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; the Company&amp;#8217;s maximum loss exposure. The legal proceedings and governmental examinations underlying the estimated range will change from time to time and actual results may vary significantly from current estimate&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;s&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;line-height:12pt;' &gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' &gt;&lt;font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' &gt;Based on its current knowledge, and ta&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;king into consideration its litigation-related liabilities, the Company believes it is not a party to, nor are any of its properties the subject of, any pending legal proceeding or governmental examination that would have a material adverse effect on the C&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;ompany&amp;#8217;s consolidated financial condition or liquidity. However, in light of the uncertainties involved in such matters, the ultimate outcome of a particular matter could be material to the Company&amp;#8217;s operating results for a particular period depending on, &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;among other factors, the size of the loss or liability imposed and the level of the Company&amp;#8217;s &lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt;earnings&lt;/font&gt;&lt;font style='font-family:Times New Roman;font-size:11pt;' &gt; for that period.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</us-gaap:CommitmentsAndContingenciesDisclosureTextBlock>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="ID_1412" contextRef="AS_OF_Jun30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="USD" decimals="-6">-1308000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic id="ID_1413" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="shares" decimals="INF">1087000000</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
  <us-gaap:NoninterestIncomeOtherOperatingIncome id="ID_1414" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="INF">-111000000</us-gaap:NoninterestIncomeOtherOperatingIncome>
  <axp:NoninterestIncomeOtherOperatingIncomeTax id="ID_1415" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="INF">40000000</axp:NoninterestIncomeOtherOperatingIncomeTax>
  <axp:NoninterestIncomeOtherOperatingIncomeNet id="ID_1416" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="INF">-71000000</axp:NoninterestIncomeOtherOperatingIncomeNet>
  <us-gaap:NoninterestIncomeOtherOperatingIncome id="ID_1417" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="INF">-109000000</us-gaap:NoninterestIncomeOtherOperatingIncome>
  <axp:NoninterestIncomeOtherOperatingIncomeTax id="ID_1418" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="INF">40000000</axp:NoninterestIncomeOtherOperatingIncomeTax>
  <axp:NoninterestIncomeOtherOperatingIncomeNet id="ID_1419" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="INF">-69000000</axp:NoninterestIncomeOtherOperatingIncomeNet>
  <axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax id="ID_1420" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="INF">-13000000</axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax>
  <us-gaap:TimeDeposits id="ID_1421" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="USD" decimals="INF">7000000000</us-gaap:TimeDeposits>
  <us-gaap:CashCashEquivalentsAndFederalFundsSold id="ID_1422" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="USD" decimals="INF">21000000000</us-gaap:CashCashEquivalentsAndFederalFundsSold>
  <us-gaap:CashCashEquivalentsAndFederalFundsSold id="ID_1423" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_FairValueByMeasurementBasisAxis_us-gaap_CarryingReportedAmountFairValueDisclosureMember" unitRef="USD" decimals="INF">19000000000</us-gaap:CashCashEquivalentsAndFederalFundsSold>
  <us-gaap:FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged id="ID_1424" contextRef="AS_OF_Sep30_2014_Entity_0000004962_us-gaap_DerivativeByNatureAxis_axp_NotSoldOrRepledgedMember" unitRef="USD" decimals="INF">111000000</us-gaap:FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged>
  <us-gaap:FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged id="ID_1425" contextRef="AS_OF_Dec31_2013_Entity_0000004962_us-gaap_DerivativeByNatureAxis_axp_NotSoldOrRepledgedMember" unitRef="USD" decimals="INF">0</us-gaap:FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged>
  <dei:DocumentType id="ID_1426" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962">10-Q</dei:DocumentType>
  <us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount id="ID_1427" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_us-gaap_StockOptionMember" unitRef="shares" decimals="INF">100000</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
  <us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount id="ID_1428" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_us-gaap_StockOptionMember" unitRef="shares" decimals="INF">200000</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
  <us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount id="ID_1429" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_us-gaap_StockOptionMember" unitRef="shares" decimals="INF">200000</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
  <us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount id="ID_1430" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_us-gaap_StockOptionMember" unitRef="shares" decimals="INF">200000</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
  <us-gaap:IncomeLossFromContinuingOperationsPerDilutedShare id="ID_1431" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USDPerShare" decimals="2">1.4</us-gaap:IncomeLossFromContinuingOperationsPerDilutedShare>
  <us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax id="ID_1432" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-4">19000000</us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax>
  <us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax id="ID_1433" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-4">-120000000</us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax>
  <us-gaap:OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax id="ID_1434" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-4">41000000</us-gaap:OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax>
  <us-gaap:OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax id="ID_1435" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-4">83000000</us-gaap:OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax>
  <us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax id="ID_1436" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962" unitRef="USD" decimals="-4">29000000</us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax>
  <us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax id="ID_1437" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962" unitRef="USD" decimals="-4">37000000</us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax>
  <axp:DeconsolidationGainOrLossAmountBeforeTax id="ID_1438" contextRef="FROM_Jan01_2014_TO_Jun30_2014_Entity_0000004962" unitRef="USD" decimals="INF">626000000</axp:DeconsolidationGainOrLossAmountBeforeTax>
  <axp:DeconsolidationGainOrLossAmountAfterTax id="ID_1439" contextRef="FROM_Jan01_2014_TO_Jun30_2014_Entity_0000004962" unitRef="USD" decimals="INF">409000000</axp:DeconsolidationGainOrLossAmountAfterTax>
  <us-gaap:DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet id="ID_1440" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="INF">0</us-gaap:DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet>
  <us-gaap:DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet id="ID_1441" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="INF">9000000</us-gaap:DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet>
  <us-gaap:DerivativeGainLossOnDerivativeNet id="ID_1442" contextRef="FROM_Jul01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="-6">1000000</us-gaap:DerivativeGainLossOnDerivativeNet>
  <us-gaap:DerivativeGainLossOnDerivativeNet id="ID_1443" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="-6">0</us-gaap:DerivativeGainLossOnDerivativeNet>
  <us-gaap:DerivativeGainLossOnDerivativeNet id="ID_1444" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="-6">1000000</us-gaap:DerivativeGainLossOnDerivativeNet>
  <us-gaap:DerivativeGainLossOnDerivativeNet id="ID_1445" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_InterestRateContractMember_us-gaap_HedgingDesignationAxis_us-gaap_NondesignatedMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="-6">0</us-gaap:DerivativeGainLossOnDerivativeNet>
  <axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax id="ID_1446" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedTranslationAdjustmentMember" unitRef="USD" decimals="-6">5000000</axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax>
  <axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax id="ID_1447" contextRef="FROM_Jan01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" unitRef="USD" decimals="INF">-71000000</axp:OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax>
  <us-gaap:DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet id="ID_1448" contextRef="FROM_Jul01_2014_TO_Sep30_2014_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="INF">-1000000</us-gaap:DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet>
  <us-gaap:DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet id="ID_1449" contextRef="FROM_Jan01_2013_TO_Sep30_2013_Entity_0000004962_us-gaap_DerivativeInstrumentRiskAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_us-gaap_NetInvestmentHedgingMember_us-gaap_IncomeStatementLocationAxis_us-gaap_OtherExpenseMember" unitRef="USD" decimals="INF">0</us-gaap:DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet>
</xbrli:xbrl>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>8
<FILENAME>axp-20140930.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>
<!-- Prepared by IBM Cognos Disclosure Management XBRL Version: 10.2.3 Using Fujitsu -->
<!-- Validation status: Passed -->
<schema targetNamespace="http://americanexpress.com/20140930" elementFormDefault="qualified" xmlns="http://www.w3.org/2001/XMLSchema" xmlns:axp="http://americanexpress.com/20140930" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:num="http://www.xbrl.org/dtr/type/numeric">
    <annotation>
        <appinfo>
            <link:linkbaseRef xlink:type="simple" xlink:href="axp-20140930_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
            <link:linkbaseRef xlink:type="simple" xlink:href="axp-20140930_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
            <link:linkbaseRef xlink:type="simple" xlink:href="axp-20140930_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
            <link:linkbaseRef xlink:type="simple" xlink:href="axp-20140930_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetailsTextuals" id="ELRID_DisclosureInvestmentSecuritiesDetailsTextuals">
                <link:definition>040550 - Disclosure - Investment Securities (Details Textuals)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/AssetSecuritizationsDetailsTextuals" id="ELRID_DisclosureAssetSecuritizationsDetailsTextuals">
                <link:definition>040610 - Disclosure - Asset Securitizations (Details Textuals)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureReportableOperatingSegmentsAndGeographicOperationsDetails" id="ELRID_DisclosureReportableOperatingSegmentsAndGeographicOperationsDetails">
                <link:definition>041500 - Disclosure - Reportable Operating Segments and Geographic Operations (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureReportableOperatingSegmentTables" id="ELRID_DisclosureReportableOperatingSegmentTables">
                <link:definition>030150 - Disclosure - Reportable Operating Segment (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureReportableOperatingSegment" id="ELRID_DisclosureReportableOperatingSegment">
                <link:definition>011150 - Disclosure - Reportable Operating Segment</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureIncomeTaxesDetailsTextuals" id="ELRID_DisclosureIncomeTaxesDetailsTextuals">
                <link:definition>041100 - Disclosure - Income Taxes (Details Textuals)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails4" id="ELRID_DisclosureAccountsReceivableAndLoansDetails4">
                <link:definition>040340 - Disclosure - Accounts Receivable and Loans (Details 4)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails3" id="ELRID_DisclosureAccountsReceivableAndLoansDetails3">
                <link:definition>040330 - Disclosure - Accounts Receivable and Loans (Details 3)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureReservesForLossesDetails2" id="ELRID_ReservesForLossesDetails2">
                <link:definition>040420 - Disclosure - Reserves for Losses (Details 2)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureReservesForLossesDetails" id="ELRID_ReservesForLossesDetails">
                <link:definition>040400 - Disclosure - Reserves for Losses (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureReservesForLossesTables" id="ELRID_DisclosureReservesForLossesTables">
                <link:definition>030040 - Disclosure - Reserves For Losses (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureReservesForLosses" id="ELRID_DisclosureReservesForLosses">
                <link:definition>011040 - Disclosure - Reserves for Losses</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails2" id="ELRID_DisclosureAccountsReceivableAndLoansDetails2">
                <link:definition>040320 - Disclosure - Accounts Receivable and Loans (Details 2)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails1" id="ELRID_DisclosureAccountsReceivableAndLoansDetails1">
                <link:definition>040310 - Disclosure - Accounts Receivable and Loans (Details 1)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails" id="ELRID_AccountsReceivableAndLoansDetails">
                <link:definition>040300 - Disclosure - Accounts Receivable and Loans (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansTables" id="ELRID_DisclosureAccountsReceivableAndLoansTables">
                <link:definition>030030 - Disclosure - Accounts Receivable and Loans (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureNonInterestRevenueAndExpenseDetailDetails3" id="ELRID_DisclosureNonInterestRevenueAndExpenseDetailDetails3">
                <link:definition>041330 - Disclosure - Non-Interest Revenue and Expense Detail (Details 3)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/NonInterestRevenueAndExpenseDetailDetails2" id="ELRID_DisclosureNonInterestRevenueAndExpenseDetailDetails2">
                <link:definition>041320 - Disclosure - Non-Interest Revenue and Expense Detail (Details 2)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/NonInterestRevenueAndExpenseDetailDetails1" id="ELRID_DisclosureNonInterestRevenueAndExpenseDetailDetails1">
                <link:definition>041310 - Disclosure - Non-Interest Revenue and Expense Detail (Details 1)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetailsTextuals" id="ELRID_DerivativesAndHedgingActivitiesDetailsTextuals">
                <link:definition>040840 - Disclosure - Derivatives and Hedging Activities (Details Textuals)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetails2" id="ELRID_DisclosureDerivativesAndHedgingActivitiesDetails2">
                <link:definition>040830 - Disclosure - Derivatives and Hedging Activities (Details 2)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetails1" id="ELRID_DisclosureDerivativesAndHedgingActivitiesDetails1">
                <link:definition>040810 - Disclosure - Derivatives and Hedging Activities (Details 1)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/FairValuesDetails2" id="ELRID_DisclosureFairValuesDetails2">
                <link:definition>040920 - Disclosure - Fair Values (Details 2)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureCustomerDepositsDetails3" id="ELRID_DisclosureCustomerDepositsDetails3">
                <link:definition>040730 - Disclosure - Customer Deposits (Details 3)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureCustomerDepositsDetails2" id="ELRID_DisclosureCustomerDepositsDetails2">
                <link:definition>040720 - Disclosure - Customer Deposits (Details 2)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureCustomerDepositsDetails1" id="ELRID_DisclosureCustomerDepositsDetails1">
                <link:definition>040710 - Disclosure - Customer Deposits (Details 1)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/InvestmentSecuritiesDetails3" id="ELRID_DisclosureInvestmentSecuritiesDetails3">
                <link:definition>040540 - Disclosure - Investment Securities (Details 3)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetails1" id="ELRID_DisclosureInvestmentSecuritiesDetails1">
                <link:definition>040510 - Disclosure - Investment Securities (Details 1)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureNonInterestRevenueAndExpenseDetailDetails" id="ELRID_DisclosureNonInterestRevenueAndExpenseDetailDetails">
                <link:definition>041300 - Disclosure - Non-Interest Revenue and Expense Detail (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/NonInterestRevenueAndExpenseDetailTables" id="ELRID_DisclosureNonInterestRevenueAndExpenseDetailTables">
                <link:definition>030130 - Disclosure - Non-Interest Revenue and Expense Detail (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/NonInterestRevenueAndExpenseDetail" id="ELRID_DisclosureNonInterestRevenueAndExpenseDetail">
                <link:definition>011130 - Disclosure - Non-Interest Revenue and Expense Detail</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureIncomeTaxes" id="ELRID_DisclosureIncomeTaxes">
                <link:definition>011110 - Disclosure - Income Taxes</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureSignificantAccountingPoliciesPolicies" id="ELRID_DisclosureSignificantAccountingPoliciesPolicies">
                <link:definition>020000 - Disclosure - Significant Accounting Policies (Policies)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesTables" id="ELRID_DisclosureDerivativesAndHedgingActivitiesTables">
                <link:definition>030080 - Disclosure - Derivatives and Hedging Activities (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureGuaranteesTables" id="ELRID_DisclosureGuaranteesTables">
                <link:definition>030090 - Disclosure - Guarantees (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/GuaranteesDetails" id="ELRID_DisclosureGuaranteesDetails">
                <link:definition>040950 - Disclosure - Guarantees (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetails" id="ELRID_DerivativesAndHedgingActivitiesDetails">
                <link:definition>040800 - Disclosure - Derivatives and Hedging Activities (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureCustomerDepositsDetails" id="ELRID_DisclosureCustomerDepositsDetails">
                <link:definition>040700 - Disclosure - Customer Deposits (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureCustomerDepositsTables" id="ELRID_DisclosureCustomerDepositsTables">
                <link:definition>030070 - Disclosure - Customer Deposits (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureGuarantees" id="ELRID_DisclosureGuarantees">
                <link:definition>011090 - Disclosure - Guarantees</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivities" id="ELRID_DisclosureDerivativesAndHedgingActivities">
                <link:definition>011080 - Disclosure - Derivatives and Hedging Activities</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureCustomerDeposits" id="ELRID_DisclosureCustomerDeposits">
                <link:definition>011070 - Disclosure - Customer Deposits</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureInvestmentSecurities" id="ELRID_DisclosureInvestmentSecurities">
                <link:definition>011050 - Disclosure - Investment Securities</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/FairValuesDetails" id="ELRID_DisclosureFairValuesDetails">
                <link:definition>040900 - Disclosure - Fair Values (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/FairValuesTables" id="ELRID_DisclosureFairValuesTables">
                <link:definition>030085 - Disclosure - Fair Values (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/FairValues" id="ELRID_DisclosureFairValues">
                <link:definition>011085 - Disclosure - Fair Values</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/StatementConsolidatedStatementsOfIncomeParenthetical" id="ELRID_StatementConsolidatedStatementsOfIncomeParenthetical">
                <link:definition>010030 - Statement - Consolidated Statements of Income (Parenthetical)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/Contingencies" id="ELRID_DisclosureContingencies">
                <link:definition>011140 - Disclosure - Contingencies</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureEarningsPerCommonShareEPSDetails" id="ELRID_DisclosureEarningsPerCommonShareEPSDetails">
                <link:definition>041200 - Disclosure - Earnings Per Common Share (EPS) (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureEarningsPerCommonShareEPSTables" id="ELRID_DisclosureEarningsPerCommonShareEPSTables">
                <link:definition>030120 - Disclosure - Earnings Per Common Share (EPS) (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureEarningsPerCommonShareEPS" id="ELRID_DisclosureEarningsPerCommonShareEPS">
                <link:definition>011120 - Disclosure - Earnings Per Common Share (EPS)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/StatementConsolidatedStatementsOfCashFlows" id="ELRID_ConsolidatedStatementsOfCashFlows">
                <link:definition>010060 - Statement - Consolidated Statements of Cash Flows</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/StatementConsolidatedBalanceSheetsParenthetical" id="ELRID_StatementConsolidatedBalanceSheetsParenthetical">
                <link:definition>010050 - Statement - Consolidated Balance Sheets (Parenthetical)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/StatementConsolidatedBalanceSheets" id="ELRID_ConsolidatedBalanceSheets">
                <link:definition>010040 - Statement - Consolidated Balance Sheets</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/StatementConsolidatedStatementsOfIncome" id="ELRID_ConsolidatedStatementsOfIncome">
                <link:definition>010020 - Statement - Consolidated Statements of Income</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DocumentDocumentAndEntityInformation" id="ELRID_DocumentDocumentAndEntityInformation">
                <link:definition>010010 - Document - Document and Entity Information</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureInvestmentSecuritiesTables" id="ELRID_DisclosureInvestmentSecuritiesTables">
                <link:definition>030050 - Disclosure - Investment Securities (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetails" id="ELRID_DisclosureInvestmentSecuritiesDetails">
                <link:definition>040500 - Disclosure - Investment Securities (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/ChangesInAccumulatedOtherComprehensiveLossIncome" id="ELRID_DisclosureChangesInAccumulatedOtherComprehensiveLossIncome">
                <link:definition>011100 - Disclosure - Changes in Accumulated Other Comprehensive (Loss) Income</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureChangesInAccumulatedOtherComprehensiveLossIncomeTables" id="ELRID_DisclosureChangesInAccumulatedOtherComprehensiveLossIncomeTables">
                <link:definition>030100 - Disclosure - Changes in Accumulated Other Comprehensive (Loss) Income (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureChangesInAccumulatedOtherComprehensiveLossIncomeDetails" id="ELRID_ChangesInAccumulatedOtherComprehensiveLossIncomeDetails">
                <link:definition>041000 - Disclosure - Changes in Accumulated Other Comprehensive (Loss) Income (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureSummaryOfSignificantAccountingPolicies" id="ELRID_DisclosureSummaryOfSignificantAccountingPolicies">
                <link:definition>011010 - Disclosure - Summary of Significant Accounting Policies</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureContingenciesDetailsTextuals" id="ELRID_DisclosureContingenciesDetailsTextuals">
                <link:definition>041410 - Disclosure - Contingencies (Details Textuals)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetails2" id="ELRID_DisclosureInvestmentSecuritiesDetails2">
                <link:definition>040520 - Disclosure - Investment Securities (Details 2)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureReservesForLossesDetails1" id="ELRID_DisclosureReservesForLossesDetails1">
                <link:definition>040410 - Disclosure - Reserves for Losses (Details 1)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureReservesForLossesDetails3" id="ELRID_DisclosureReservesForLossesDetails3">
                <link:definition>040430 - Disclosure - Reserves For Losses (Details 3)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/StatementConsolidatedStatementsOfCashFlowsParenthetical" id="ELRID_StatementConsolidatedStatementsOfCashFlowsParenthetical">
                <link:definition>010070 - Statement - Consolidated Statements of Cash Flows (Parenthetical)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureAssetSecuritizations" id="ELRID_DisclosureAssetSecuritizations">
                <link:definition>011060 - Disclosure - Asset Securitizations</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/FairValuesDetailsTextuals" id="ELRID_DisclosureFairValuesDetailsTextuals">
                <link:definition>040930 - Disclosure - Fair Values (Details Textuals)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/FairValuesDetails1" id="ELRID_DisclosureFairValuesDetails1">
                <link:definition>040910 - Disclosure - Fair Values (Details 1)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/AccountsReceivableAndLoansDetails6" id="ELRID_DisclosureAccountsReceivableAndLoansDetails6">
                <link:definition>040360 - Disclosure - Accounts Receivable and Loans (Details 6)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/AccountsReceivableAndLoansDetails7" id="ELRID_DisclosureAccountsReceivableAndLoansDetails7">
                <link:definition>040370 - Disclosure - Accounts Receivable and Loans (Details 7)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/ConsolidatedStatementsOfComprehensiveIncomeParenthetical" id="ELRID_StatementConsolidatedStatementsOfComprehensiveIncomeParenthetical">
                <link:definition>010036 - Statement - Consolidated Statements of Comprehensive Income (Parenthetical)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoans" id="ELRID_DisclosureAccountsReceivableAndLoans">
                <link:definition>011030 - Disclosure - Accounts Receivable and Loans</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/StatementConsolidatedStatementsOfComprehensiveIncome" id="ELRID_StatementConsolidatedStatementsOfComprehensiveIncome">
                <link:definition>010035 - Statement - Consolidated Statements of Comprehensive Income</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureReservesForLossesDetailsTextuals" id="ELRID_DisclosureReservesForLossesDetailsTextuals">
                <link:definition>040440 - Disclosure - Reserves For Losses (Details Textuals)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureChangesInAccumulatedOtherComprehensiveLossIncomeDetails1" id="ELRID_DisclosureChangesInAccumulatedOtherComprehensiveLossIncomeDetails1">
                <link:definition>041010 - Disclosure - Changes in Accumulated Other Comprehensive (Loss) Income (Details 1)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/Divestitures" id="ELRID_DisclosureDivestitures">
                <link:definition>011015 - Disclosure - Divestitures</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/AssetSecuritizationsDetails" id="ELRID_DisclosureAssetSecuritizationsDetails">
                <link:definition>040600 - Disclosure - Asset Securitizations (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/DisclosureDivestituresDetailsTextuals" id="ELRID_DisclosureDivestituresDetailsTextuals">
                <link:definition>040200 - Disclosure - Divestitures (Details Textuals)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/AssetSecuritizationsTables" id="ELRID_DisclosureAssetSecuritizationsTables">
                <link:definition>030060 - Disclosure - Asset Securitizations (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://americanexpress.com/role/AccountsReceivableAndLoansDetails5" id="ELRID_DisclosureAccountsReceivableAndLoansDetails5">
                <link:definition>040350 - Disclosure - Accounts Receivable and Loans (Details 5)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
        </appinfo>
    </annotation>
    <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
    <import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
    <import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
    <import namespace="http://fasb.org/us-gaap/2013-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd" />
    <import namespace="http://xbrl.sec.gov/dei/2013-01-31" schemaLocation="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" />
    <element name="InvestmentSecuritiesDetailsAbstract" id="axp_InvestmentSecuritiesDetailsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="InvestmentSecuritiesTablesAbstract" id="axp_InvestmentSecuritiesTablesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="DocumentAndEntityInformationAbstract" id="axp_DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="AssetSecuritizationsDetailsAbstract" id="axp_AssetSecuritizationsDetailsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="TotalRevenuesNetOfInterestExpense" id="axp_TotalRevenuesNetOfInterestExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="MarketingPromotionRewardsAndCardmemberServices" id="axp_MarketingPromotionRewardsAndCardmemberServices" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses" id="axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="TravelCommissionsAndFees" id="axp_TravelCommissionsAndFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="DiscountRevenue" id="axp_DiscountRevenue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="TravelersChequesOutstanding" id="axp_TravelersChequesOutstanding" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
    <element name="OtherReceivablesReserves" id="axp_OtherReceivablesReserves" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
    <element name="EarningsPerCommonShareEpsDetailsAbstract" id="axp_EarningsPerCommonShareEpsDetailsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="NetIncomeAttributableToCommonShareholdersAbstract" id="axp_NetIncomeAttributableToCommonShareholdersAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="EarningsPerCommonShareEpsTextualsAbstract" id="axp_EarningsPerCommonShareEpsTextualsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="USCardServicesMember" id="axp_USCardServicesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="InternationalCardServicesMember" id="axp_InternationalCardServicesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="GlobalCommercialServicesMember" id="axp_GlobalCommercialServicesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="GlobalNetworkAndMerchantServicesMember" id="axp_GlobalNetworkAndMerchantServicesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="FairValuesTablesAbstract" id="axp_FairValuesTablesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue" id="axp_FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
    <element name="AvailableForSaleSecuritiesRatioOfFairValueToAmortizedCostTextBlock" id="axp_AvailableForSaleSecuritiesRatioOfFairValueToAmortizedCostTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="FairValuesDetailsAbstract" id="axp_FairValuesDetailsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="FairValuesTextualsAbstract" id="axp_FairValuesTextualsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="DepositLiabilitiesDisclosuresAbstract" id="axp_DepositLiabilitiesDisclosuresAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="CustomerDepositsTablesAbstract" id="axp_CustomerDepositsTablesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="CustomerDepositsDetailsAbstract" id="axp_CustomerDepositsDetailsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="DerivativesAndHedgingActivitiesDetailsAbstract" id="axp_DerivativesAndHedgingActivitiesDetailsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="GuaranteesDetailsAbstract" id="axp_GuaranteesDetailsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="DepositsByComponentAlternativeTextBlock" id="axp_DepositsByComponentAlternativeTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="DepositsByTypeTextBlock" id="axp_DepositsByTypeTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="TimeDepositsByMaturityTextBlock" id="axp_TimeDepositsByMaturityTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="CardAndTravelOperationsMember" id="axp_CardAndTravelOperationsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="GuaranteeObligationsLineItemsAbstract" id="axp_GuaranteeObligationsLineItemsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="TypeOfGuaranteeAbstract" id="axp_TypeOfGuaranteeAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="DerivativesAndHedgingActivitiesTablesAbstract" id="axp_DerivativesAndHedgingActivitiesTablesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="EffectOfFairValueHedgesOnResultsOfOperationsTextBlock" id="axp_EffectOfFairValueHedgesOnResultsOfOperationsTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="DerivativeInstrumentsGainLossRecognizedInIncomeTextBlock" id="axp_DerivativeInstrumentsGainLossRecognizedInIncomeTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="DerivativesAndHedgingActivitiesTextualsAbstract" id="axp_DerivativesAndHedgingActivitiesTextualsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="OtherIncomeAndOtherExpenseDisclosureAbstract" id="axp_OtherIncomeAndOtherExpenseDisclosureAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="IncomeTaxesDetailsAbstract" id="axp_IncomeTaxesDetailsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="IncomeTaxesTextualsAbstract" id="axp_IncomeTaxesTextualsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="NetIncomeAttributableToCommonShareholders" id="axp_NetIncomeAttributableToCommonShareholders" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="TypeOfDebtAxis" id="axp_TypeOfDebtAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="TypeOfDebtDomain" id="axp_TypeOfDebtDomain" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="MarketingPromotionRewardsAndCardmemberServicesTextBlock" id="axp_MarketingPromotionRewardsAndCardmemberServicesTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="OtherNetExpenseTextBlock" id="axp_OtherNetExpenseTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" id="axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="OtherCommissionsAndFeesTextBlock" id="axp_OtherCommissionsAndFeesTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="OtherRevenuesTextBlock" id="axp_OtherRevenuesTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="AvailabeForSaleSecuritiesOtherMember" id="axp_AvailabeForSaleSecuritiesOtherMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges" id="axp_NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="ImpairedLoansByModificationTypeLineItems" id="axp_ImpairedLoansByModificationTypeLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="CreditQualityIndicatorForLoansAndReceivablesAbstract" id="axp_CreditQualityIndicatorForLoansAndReceivablesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="ThirtyDaysPastDueAsPercentageOfTotal" id="axp_ThirtyDaysPastDueAsPercentageOfTotal" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" />
    <element name="NetLossRatioAsPercentageOfChargeVolume" id="axp_NetLossRatioAsPercentageOfChargeVolume" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" />
    <element name="AccountsReceivableAndLoansTablesAbstract" id="axp_AccountsReceivableAndLoansTablesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="AccountsReceivableAndLoansDetailsAbstract" id="axp_AccountsReceivableAndLoansDetailsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="LoansAndLeasesReceivablesDisclosureAbstract" id="axp_LoansAndLeasesReceivablesDisclosureAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="ReservesForLossesTablesAbstract" id="axp_ReservesForLossesTablesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="ReservesForLossesDetailsAbstract" id="axp_ReservesForLossesDetailsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="AccountsReceivableAndLoansTextualsAbstract" id="axp_AccountsReceivableAndLoansTextualsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="ReservesForLossesCardmemberReceivablesAndLoansDisclosureAbstract" id="axp_ReservesForLossesCardmemberReceivablesAndLoansDisclosureAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="ReportableOperatingSegmentsAndGeographicOperationsDetailsAbstract" id="axp_ReportableOperatingSegmentsAndGeographicOperationsDetailsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="CardmemberLoansReservesRollforwardTextBlock" id="axp_CardmemberLoansReservesRollforwardTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="AccountsReceivableSegmentAbstract" id="axp_AccountsReceivableSegmentAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="AmericanExpressTravelRelatedServicesCompanyIncMember" id="axp_AmericanExpressTravelRelatedServicesCompanyIncMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="AmericanExpressChargeTrustMember" id="axp_AmericanExpressChargeTrustMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="AmericanExpressLendingTrustMember" id="axp_AmericanExpressLendingTrustMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="ThirdPartyCertificatesOfDeposit" id="axp_ThirdPartyCertificatesOfDeposit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
    <element name="ThirdPartySweepAccounts" id="axp_ThirdPartySweepAccounts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
    <element name="SubordinatedSecuritiesOwned" id="axp_SubordinatedSecuritiesOwned" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="GrossLoansAvailableToSettleObligationsOfConsolidatedVariableInterestEntity" id="axp_GrossLoansAvailableToSettleObligationsOfConsolidatedVariableInterestEntity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="GrossReceivablesAvailableToSettleObligationsOfConsolidatedVariableInterestEntity" id="axp_GrossReceivablesAvailableToSettleObligationsOfConsolidatedVariableInterestEntity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="SecuritizedTrustsTable" id="axp_SecuritizedTrustsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="SecuritizedTrustsLineItems" id="axp_SecuritizedTrustsLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="CertificateOfDepositsByLocationTable" id="axp_CertificateOfDepositsByLocationTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="CertificateOfDepositsByLocationLineItems" id="axp_CertificateOfDepositsByLocationLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="CardmemberLoansEvaluatedSeparatelyForImpairment" id="axp_CardmemberLoansEvaluatedSeparatelyForImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="ReservesOnCardmemberLoansEvaluatedSeparatelyForImpairment" id="axp_ReservesOnCardmemberLoansEvaluatedSeparatelyForImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
    <element name="AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" id="axp_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax" id="axp_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansTax" id="axp_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
    <element name="SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleEquity" id="axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleEquity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
    <element name="CardmemberLoansEvaluatedCollectivelyForImpairment" id="axp_CardmemberLoansEvaluatedCollectivelyForImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="ReservesOnCardmemberLoansEvaluatedCollectivelyForImpairment" id="axp_ReservesOnCardmemberLoansEvaluatedCollectivelyForImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
    <element name="FairValuePolicyAbstract" id="axp_FairValuePolicyAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="AccountsReceivableAndLoansPolicyAbstract" id="axp_AccountsReceivableAndLoansPolicyAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="InvestmentsPolicyAbstract" id="axp_InvestmentsPolicyAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="AssetSecuritizationPolicyAbstract" id="axp_AssetSecuritizationPolicyAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="DerivativesAndHedgingActivitiesPolicyAbstract" id="axp_DerivativesAndHedgingActivitiesPolicyAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther" id="axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsPrincipal" id="axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsPrincipal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsInterestAndFees" id="axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsInterestAndFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther" id="axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="RatioOfFairValueToAmortizedCostAxis" id="axp_RatioOfFairValueToAmortizedCostAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="RatioOfFairValueToAmortizedCostDomain" id="axp_RatioOfFairValueToAmortizedCostDomain" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" id="axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember" id="axp_RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock" id="axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock" id="axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract" id="axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract" id="axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="AccumulatedOtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesTax" id="axp_AccumulatedOtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="ProvisionsForLossesDeductionsChargeCardNetWriteOffsPrincipalAndFees" id="axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsPrincipalAndFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleQuantifyImpactNotPossible" id="axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleQuantifyImpactNotPossible" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
    <element name="UnitedStatesMember" id="axp_UnitedStatesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="NonUnitedStatesMember" id="axp_NonUnitedStatesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="CardmemberLoansMember" id="axp_CardmemberLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="CardmemberReceivablesMember" id="axp_CardmemberReceivablesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance" id="axp_LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="NinetyDaysPastBillingAsPercentageOfReceivables" id="axp_NinetyDaysPastBillingAsPercentageOfReceivables" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" />
    <element name="LoansAndReceivablesImpairedTroubledDebtRestructuringAmountOverNinetyDaysAccrualOfInterest" id="axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountOverNinetyDaysAccrualOfInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="DeferredTaxesAndOther" id="axp_DeferredTaxesAndOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="AssetSecuritizationsAbstract" id="axp_AssetSecuritizationsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="CurrentAndPastDueFinancingReceivablesTableTextBlock" id="axp_CurrentAndPastDueFinancingReceivablesTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="ScheduleOfLoansAndFinancingReceivableTableTextBlock" id="axp_ScheduleOfLoansAndFinancingReceivableTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="LoansNet" id="axp_LoansNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="FinancingReceivableRecordedInvestmentCurrentAndPastDue" id="axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="NetWriteOffRatePrincipal" id="axp_NetWriteOffRatePrincipal" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="NetWriteOffRatePrincipalInterestFees" id="axp_NetWriteOffRatePrincipalInterestFees" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="TroubledDebtRestructuringsOnFinancingReceivablesWithSubsequentDefaultTableTextBlock" id="axp_TroubledDebtRestructuringsOnFinancingReceivablesWithSubsequentDefaultTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="AverageInterestRateReductionByClassOfCardmemberLoan" id="axp_AverageInterestRateReductionByClassOfCardmemberLoan" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="AveragePaymentTermExtension" id="axp_AveragePaymentTermExtension" type="xbrli:integerItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="FinancingReceivableRecordedInvestmentsCurrent" id="axp_FinancingReceivableRecordedInvestmentsCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract" id="axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="TimeDeposits100000OrMoreTextBlock" id="axp_TimeDeposits100000OrMoreTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="CashCollateralNetting" id="axp_CashCollateralNetting" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
    <element name="LoansAndLeasesReceivableSegmentAbstract" id="axp_LoansAndLeasesReceivableSegmentAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="FinancingReceivableInterestIncomeAndAverageBalanceTableTextBlock" id="axp_FinancingReceivableInterestIncomeAndAverageBalanceTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="AvailableForSaleSecuritiesDebtSecuritiesAndOther" id="axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="AccountsReceivableReserveRollForwardAbstract" id="axp_AccountsReceivableReserveRollForwardAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="ReservesForLossesPolicyAbstract" id="axp_ReservesForLossesPolicyAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="InvestmentTypesDomain" id="axp_InvestmentTypesDomain" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax" id="axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax" id="axp_OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="OtherComprehensiveIncomeNetChangeNetOfTax" id="axp_OtherComprehensiveIncomeNetChangeNetOfTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="LoansNotesTradeAndOtherReceivablesDisclosureAbstract" id="axp_LoansNotesTradeAndOtherReceivablesDisclosureAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="IncreaseDecreaseInTravelersChequesOutstanding" id="axp_IncreaseDecreaseInTravelersChequesOutstanding" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="DerivativeAssetAndLiabilityNetting" id="axp_DerivativeAssetAndLiabilityNetting" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" />
    <element name="IcbcMember" id="axp_IcbcMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease" id="axp_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax" id="axp_OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="AirlineMember" id="axp_AirlineMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="CounterpartyNamesDomain" id="axp_CounterpartyNamesDomain" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="DeltaMember" id="axp_DeltaMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="SharesHeldInEquityInvestmentSold" id="axp_SharesHeldInEquityInvestmentSold" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" />
    <element name="EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax" id="axp_EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="UnauthorizedtransactionsmemberMember" id="axp_UnauthorizedtransactionsmemberMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="ForeigncurrencytranslationadjustmentsmemberMember" id="axp_ForeigncurrencytranslationadjustmentsmemberMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="CardmemberbankruptcyreservesmemberMember" id="axp_CardmemberbankruptcyreservesmemberMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="OtheritemsmemberMember" id="axp_OtheritemsmemberMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="LongTermDebtImpactDueToDebtExchange" id="axp_LongTermDebtImpactDueToDebtExchange" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract" id="axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="AssetsCarriedAtOtherThanFairValueAbstract" id="axp_AssetsCarriedAtOtherThanFairValueAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="LiabilitiesCarriedAtOtherThanFairValueAbstract" id="axp_LiabilitiesCarriedAtOtherThanFairValueAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="CreditValuationAdjustmentMember" id="axp_CreditValuationAdjustmentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="OpenTaxYearsAxis" id="axp_OpenTaxYearsAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="OpenTaxYearsDomain" id="axp_OpenTaxYearsDomain" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="EarliestYearMember" id="axp_EarliestYearMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="LatestYearMember" id="axp_LatestYearMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="AssetSecuritizationsTextBlock" id="axp_AssetSecuritizationsTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="IncreaseDecreaseInDebtExchange" id="axp_IncreaseDecreaseInDebtExchange" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="NotSoldOrRepledgedMember" id="axp_NotSoldOrRepledgedMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="ImpactOfDebtExchangeOnLongTermDebtDomain" id="axp_ImpactOfDebtExchangeOnLongTermDebtDomain" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="NonCashMember" id="axp_NonCashMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="FairValueOfSecuritiesReceivedAsCollateral" id="axp_FairValueOfSecuritiesReceivedAsCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
    <element name="IncreaseDecreaseInDebtExchangeLineItems" id="axp_IncreaseDecreaseInDebtExchangeLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="IncreaseDecreaseInDebtExchangeTable" id="axp_IncreaseDecreaseInDebtExchangeTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="IncreaseDecreaseInDebtExchangeAxis" id="axp_IncreaseDecreaseInDebtExchangeAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="OtherComprehensiveIncomeLossTextualsAbstract" id="axp_OtherComprehensiveIncomeLossTextualsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="NoninterestIncomeOtherOperatingIncomeTax" id="axp_NoninterestIncomeOtherOperatingIncomeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="NoninterestIncomeOtherOperatingIncomeNet" id="axp_NoninterestIncomeOtherOperatingIncomeNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="InterestExpenseLongTermDebtTax" id="axp_InterestExpenseLongTermDebtTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="InterestExpenseLongTermDebtNet" id="axp_InterestExpenseLongTermDebtNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="OtherNoninterestExpenseTax" id="axp_OtherNoninterestExpenseTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="OtherNoninterestExpenseNet" id="axp_OtherNoninterestExpenseNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="SignificantCounterpartiesMember" id="axp_SignificantCounterpartiesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="CustomerDepositsByTypeLineItems" id="axp_CustomerDepositsByTypeLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="CardmembercreditbalancesTable" id="axp_CardmembercreditbalancesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="CreditBalancesAxis" id="axp_CreditBalancesAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="CardmemberCreditBalancesDomain" id="axp_CardmemberCreditBalancesDomain" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="CardmemberCreditBalancesMember" id="axp_CardmemberCreditBalancesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="DerivativeFairValueOfDerivativeAssetNotOffsetAgainstCollateral" id="axp_DerivativeFairValueOfDerivativeAssetNotOffsetAgainstCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="DerivativeFairValueOfDerivativeLiabilityNotOffsetAgainstCollateral" id="axp_DerivativeFairValueOfDerivativeLiabilityNotOffsetAgainstCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
    <element name="RiskExposureLowMember" id="axp_RiskExposureLowMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="DomesticAndForeignCardmemberCreditBalances" id="axp_DomesticAndForeignCardmemberCreditBalances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
    <element name="OtherInvestmentSecuritiesMember" id="axp_OtherInvestmentSecuritiesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="OtherCostAndExpenseDisclosureOperating1Abstract" id="axp_OtherCostAndExpenseDisclosureOperating1Abstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="ProfessionalServices" id="axp_ProfessionalServices" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="Communications" id="axp_Communications" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="OtherNetExpenses" id="axp_OtherNetExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="MarketingAndPromotion" id="axp_MarketingAndPromotion" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="CardmemberRewards" id="axp_CardmemberRewards" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="CardmemberServices" id="axp_CardmemberServices" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="GlobalNetworkServicesPartnerRevenues" id="axp_GlobalNetworkServicesPartnerRevenues" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="TravelersChequesRelatedRevenue" id="axp_TravelersChequesRelatedRevenue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="OtherRevenues" id="axp_OtherRevenues" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="GuaranteesTablesAbstract" id="axp_GuaranteesTablesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="ForeignCurrencyGainLoss" id="axp_ForeignCurrencyGainLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="DelinquencyFees" id="axp_DelinquencyFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="ServiceFees" id="axp_ServiceFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="OtherCommissionsAndFees" id="axp_OtherCommissionsAndFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="CardmemberLoansAndRelatedReservesDetailsTextualsAbstract" id="axp_CardmemberLoansAndRelatedReservesDetailsTextualsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="MarginOnInterestRateSwapNotNetted" id="axp_MarginOnInterestRateSwapNotNetted" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
    <element name="SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTemporaryDifferences" id="axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTemporaryDifferences" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
    <element name="BusinessCombinationDisclosureAbstract" id="axp_BusinessCombinationDisclosureAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="AssetsFromTrustsLineItems" id="axp_AssetsFromTrustsLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="AllowanceForReceivablesRecoveriesOfBadDebtsTDR" id="axp_AllowanceForReceivablesRecoveriesOfBadDebtsTDR" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="AllowanceForLoansRecoveriesOfBadDebtsTDR" id="axp_AllowanceForLoansRecoveriesOfBadDebtsTDR" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="LoyaltyPartnerRelatedFees" id="axp_LoyaltyPartnerRelatedFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="FinancingReceivableModificationsDifferencePreAndPostModificationRecordedInvestment" id="axp_FinancingReceivableModificationsDifferencePreAndPostModificationRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="CardRelatedFraudLosses" id="axp_CardRelatedFraudLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="CostOfCardMemberServicesMember" id="axp_CostOfCardMemberServicesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="DivestituresDetailsAbstract" id="axp_DivestituresDetailsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="LoansAndReceivablesImpairedTroubledDebtRestructuringAmountNonAccrualStatus" id="axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountNonAccrualStatus" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="CashInvestedByThirdPartyInJointVenture" id="axp_CashInvestedByThirdPartyInJointVenture" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="EquityMethodInvestmentOwnershipHeldByThirdParty" id="axp_EquityMethodInvestmentOwnershipHeldByThirdParty" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" />
    <element name="SubordinatedDebtIssuanceYear" id="axp_SubordinatedDebtIssuanceYear" type="xbrli:gYearItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="SubordinatedDebtMaturityYear" id="axp_SubordinatedDebtMaturityYear" type="xbrli:gYearItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="DeconsolidationGainOrLossAmountBeforeTax" id="axp_DeconsolidationGainOrLossAmountBeforeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="DeconsolidationGainOrLossAmountAfterTax" id="axp_DeconsolidationGainOrLossAmountAfterTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="SharesHeldInEquityInvestment" id="axp_SharesHeldInEquityInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
</schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>9
<FILENAME>axp-20140930_cal.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION CALCULATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>
<!-- Prepared by IBM Cognos Disclosure Management XBRL Version: 10.2.3 Using Fujitsu -->
<!-- Validation status: Passed -->
<linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/instance http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" xmlns="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink">
    <roleRef roleURI="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_AccountsReceivableAndLoansDetails" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails1" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAccountsReceivableAndLoansDetails1" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails2" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAccountsReceivableAndLoansDetails2" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails4" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAccountsReceivableAndLoansDetails4" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureCustomerDepositsDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureCustomerDepositsDetails" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureCustomerDepositsDetails1" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureCustomerDepositsDetails1" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureCustomerDepositsDetails2" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureCustomerDepositsDetails2" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureCustomerDepositsDetails3" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureCustomerDepositsDetails3" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetails1" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureDerivativesAndHedgingActivitiesDetails1" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureEarningsPerCommonShareEPSDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureEarningsPerCommonShareEPSDetails" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetails2" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureInvestmentSecuritiesDetails2" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureNonInterestRevenueAndExpenseDetailDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureNonInterestRevenueAndExpenseDetailDetails" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureNonInterestRevenueAndExpenseDetailDetails3" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureNonInterestRevenueAndExpenseDetailDetails3" />
    <roleRef roleURI="http://americanexpress.com/role/FairValuesDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureFairValuesDetails" />
    <roleRef roleURI="http://americanexpress.com/role/FairValuesDetails1" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureFairValuesDetails1" />
    <roleRef roleURI="http://americanexpress.com/role/InvestmentSecuritiesDetails3" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureInvestmentSecuritiesDetails3" />
    <roleRef roleURI="http://americanexpress.com/role/NonInterestRevenueAndExpenseDetailDetails1" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureNonInterestRevenueAndExpenseDetailDetails1" />
    <roleRef roleURI="http://americanexpress.com/role/NonInterestRevenueAndExpenseDetailDetails2" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureNonInterestRevenueAndExpenseDetailDetails2" />
    <roleRef roleURI="http://americanexpress.com/role/StatementConsolidatedBalanceSheets" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_ConsolidatedBalanceSheets" />
    <roleRef roleURI="http://americanexpress.com/role/StatementConsolidatedStatementsOfCashFlows" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_ConsolidatedStatementsOfCashFlows" />
    <roleRef roleURI="http://americanexpress.com/role/StatementConsolidatedStatementsOfComprehensiveIncome" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_StatementConsolidatedStatementsOfComprehensiveIncome" />
    <roleRef roleURI="http://americanexpress.com/role/StatementConsolidatedStatementsOfIncome" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_ConsolidatedStatementsOfIncome" />
    <calculationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails4">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableRecordedInvestment_181" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsRecordedInvestment" xlink:label="Locator_us-gaap_FinancingReceivableModificationsRecordedInvestment_182" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_ImpairedFinancingReceivableRecordedInvestment_181" xlink:to="Locator_us-gaap_FinancingReceivableModificationsRecordedInvestment_182" order="5.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableRecordedInvestment_183" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest_184" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_ImpairedFinancingReceivableRecordedInvestment_183" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest_184" order="4.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableRecordedInvestment_185" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_186" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_ImpairedFinancingReceivableRecordedInvestment_185" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_186" order="3.0" weight="1" />
    </calculationLink>
    <calculationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails2">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue" xlink:label="Locator_axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue_359" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue_360" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue_359" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue_360" order="4.0" weight="1" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue" xlink:label="Locator_axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue_361" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue_362" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue_361" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue_362" order="5.0" weight="1" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue" xlink:label="Locator_axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue_363" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue_364" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue_363" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue_364" order="6.0" weight="1" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue" xlink:label="Locator_axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue_365" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancingReceivableRecordedInvestmentsCurrent" xlink:label="Locator_axp_FinancingReceivableRecordedInvestmentsCurrent_366" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue_365" xlink:to="Locator_axp_FinancingReceivableRecordedInvestmentsCurrent_366" order="3.0" weight="1" />
    </calculationLink>
    <calculationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails1">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmount_439" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableAllowance_440" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmount_439" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableAllowance_440" order="4.0" weight="-1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmount_441" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard_442" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmount_441" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard_442" order="3.0" weight="1" />
    </calculationLink>
    <calculationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNet" xlink:label="Locator_us-gaap_AccountsReceivableNet_517" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForDoubtfulAccountsReceivable" xlink:label="Locator_us-gaap_AllowanceForDoubtfulAccountsReceivable_518" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_AccountsReceivableNet_517" xlink:to="Locator_us-gaap_AllowanceForDoubtfulAccountsReceivable_518" order="4.0" weight="-1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNet" xlink:label="Locator_us-gaap_AccountsReceivableNet_519" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NotesReceivableGross" xlink:label="Locator_us-gaap_NotesReceivableGross_520" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_AccountsReceivableNet_519" xlink:to="Locator_us-gaap_NotesReceivableGross_520" order="3.0" weight="1" />
    </calculationLink>
    <calculationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureNonInterestRevenueAndExpenseDetailDetails3">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="Locator_us-gaap_OtherNoninterestExpense_647" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProfessionalServices" xlink:label="Locator_axp_ProfessionalServices_648" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_OtherNoninterestExpense_647" xlink:to="Locator_axp_ProfessionalServices_648" order="1.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="Locator_us-gaap_OtherNoninterestExpense_649" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OccupancyNet" xlink:label="Locator_us-gaap_OccupancyNet_650" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_OtherNoninterestExpense_649" xlink:to="Locator_us-gaap_OccupancyNet_650" order="2.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="Locator_us-gaap_OtherNoninterestExpense_651" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardRelatedFraudLosses" xlink:label="Locator_axp_CardRelatedFraudLosses_652" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_OtherNoninterestExpense_651" xlink:to="Locator_axp_CardRelatedFraudLosses_652" order="3.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="Locator_us-gaap_OtherNoninterestExpense_653" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_Communications" xlink:label="Locator_axp_Communications_654" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_OtherNoninterestExpense_653" xlink:to="Locator_axp_Communications_654" order="4.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="Locator_us-gaap_OtherNoninterestExpense_655" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherNetExpenses" xlink:label="Locator_axp_OtherNetExpenses_656" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_OtherNoninterestExpense_655" xlink:to="Locator_axp_OtherNetExpenses_656" order="6.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="Locator_us-gaap_OtherNoninterestExpense_657" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DeconsolidationGainOrLossAmountBeforeTax" xlink:label="Locator_axp_DeconsolidationGainOrLossAmountBeforeTax_658" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_OtherNoninterestExpense_657" xlink:to="Locator_axp_DeconsolidationGainOrLossAmountBeforeTax_658" order="5.0" weight="-1" />
    </calculationLink>
    <calculationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/NonInterestRevenueAndExpenseDetailDetails2">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarketingPromotionRewardsAndCardmemberServices" xlink:label="Locator_axp_MarketingPromotionRewardsAndCardmemberServices_667" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberServices" xlink:label="Locator_axp_CardmemberServices_668" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_axp_MarketingPromotionRewardsAndCardmemberServices_667" xlink:to="Locator_axp_CardmemberServices_668" order="3.0" weight="1" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarketingPromotionRewardsAndCardmemberServices" xlink:label="Locator_axp_MarketingPromotionRewardsAndCardmemberServices_669" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberRewards" xlink:label="Locator_axp_CardmemberRewards_670" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_axp_MarketingPromotionRewardsAndCardmemberServices_669" xlink:to="Locator_axp_CardmemberRewards_670" order="2.0" weight="1" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarketingPromotionRewardsAndCardmemberServices" xlink:label="Locator_axp_MarketingPromotionRewardsAndCardmemberServices_671" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarketingAndPromotion" xlink:label="Locator_axp_MarketingAndPromotion_672" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_axp_MarketingPromotionRewardsAndCardmemberServices_671" xlink:to="Locator_axp_MarketingAndPromotion_672" order="1.0" weight="1" />
    </calculationLink>
    <calculationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/NonInterestRevenueAndExpenseDetailDetails1">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:label="Locator_us-gaap_NoninterestIncomeOtherOperatingIncome_683" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GlobalNetworkServicesPartnerRevenues" xlink:label="Locator_axp_GlobalNetworkServicesPartnerRevenues_684" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NoninterestIncomeOtherOperatingIncome_683" xlink:to="Locator_axp_GlobalNetworkServicesPartnerRevenues_684" order="1.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:label="Locator_us-gaap_NoninterestIncomeOtherOperatingIncome_685" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TravelersChequesRelatedRevenue" xlink:label="Locator_axp_TravelersChequesRelatedRevenue_686" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NoninterestIncomeOtherOperatingIncome_685" xlink:to="Locator_axp_TravelersChequesRelatedRevenue_686" order="2.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:label="Locator_us-gaap_NoninterestIncomeOtherOperatingIncome_687" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossNet" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossNet_688" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NoninterestIncomeOtherOperatingIncome_687" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossNet_688" order="3.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:label="Locator_us-gaap_NoninterestIncomeOtherOperatingIncome_689" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherRevenues" xlink:label="Locator_axp_OtherRevenues_690" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NoninterestIncomeOtherOperatingIncome_689" xlink:to="Locator_axp_OtherRevenues_690" order="4.0" weight="1" />
    </calculationLink>
    <calculationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetails1">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnFairValueHedgeIneffectivenessNet" xlink:label="Locator_us-gaap_GainLossOnFairValueHedgeIneffectivenessNet_945" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1" xlink:label="Locator_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1_946" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_GainLossOnFairValueHedgeIneffectivenessNet_945" xlink:to="Locator_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1_946" order="2.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnFairValueHedgeIneffectivenessNet" xlink:label="Locator_us-gaap_GainLossOnFairValueHedgeIneffectivenessNet_947" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1" xlink:label="Locator_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1_948" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_GainLossOnFairValueHedgeIneffectivenessNet_947" xlink:to="Locator_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1_948" order="3.0" weight="1" />
    </calculationLink>
    <calculationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureCustomerDepositsDetails3">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMore" xlink:label="Locator_us-gaap_TimeDeposits100000OrMore_1119" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMoreForeign" xlink:label="Locator_us-gaap_TimeDeposits100000OrMoreForeign_1120" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_TimeDeposits100000OrMore_1119" xlink:to="Locator_us-gaap_TimeDeposits100000OrMoreForeign_1120" order="3.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMore" xlink:label="Locator_us-gaap_TimeDeposits100000OrMore_1121" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMoreDomestic" xlink:label="Locator_us-gaap_TimeDeposits100000OrMoreDomestic_1122" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_TimeDeposits100000OrMore_1121" xlink:to="Locator_us-gaap_TimeDeposits100000OrMoreDomestic_1122" order="2.0" weight="1" />
    </calculationLink>
    <calculationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureCustomerDepositsDetails2">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits" xlink:label="Locator_us-gaap_TimeDeposits_1139" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearOne" xlink:label="Locator_us-gaap_TimeDepositMaturitiesYearOne_1140" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_TimeDeposits_1139" xlink:to="Locator_us-gaap_TimeDepositMaturitiesYearOne_1140" order="3.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits" xlink:label="Locator_us-gaap_TimeDeposits_1141" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearTwo" xlink:label="Locator_us-gaap_TimeDepositMaturitiesYearTwo_1142" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_TimeDeposits_1141" xlink:to="Locator_us-gaap_TimeDepositMaturitiesYearTwo_1142" order="4.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits" xlink:label="Locator_us-gaap_TimeDeposits_1143" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearThree" xlink:label="Locator_us-gaap_TimeDepositMaturitiesYearThree_1144" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_TimeDeposits_1143" xlink:to="Locator_us-gaap_TimeDepositMaturitiesYearThree_1144" order="5.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits" xlink:label="Locator_us-gaap_TimeDeposits_1145" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFour" xlink:label="Locator_us-gaap_TimeDepositMaturitiesYearFour_1146" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_TimeDeposits_1145" xlink:to="Locator_us-gaap_TimeDepositMaturitiesYearFour_1146" order="6.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits" xlink:label="Locator_us-gaap_TimeDeposits_1147" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFive" xlink:label="Locator_us-gaap_TimeDepositMaturitiesYearFive_1148" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_TimeDeposits_1147" xlink:to="Locator_us-gaap_TimeDepositMaturitiesYearFive_1148" order="7.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits" xlink:label="Locator_us-gaap_TimeDeposits_1149" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:label="Locator_us-gaap_TimeDepositMaturitiesAfterYearFive_1150" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_TimeDeposits_1149" xlink:to="Locator_us-gaap_TimeDepositMaturitiesAfterYearFive_1150" order="8.0" weight="1" />
    </calculationLink>
    <calculationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureCustomerDepositsDetails1">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:label="Locator_us-gaap_Deposits_1209" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDomesticDepositOtherTimeDeposit" xlink:label="Locator_us-gaap_InterestBearingDomesticDepositOtherTimeDeposit_1210" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Deposits_1209" xlink:to="Locator_us-gaap_InterestBearingDomesticDepositOtherTimeDeposit_1210" order="7.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:label="Locator_us-gaap_Deposits_1211" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ThirdPartyCertificatesOfDeposit" xlink:label="Locator_axp_ThirdPartyCertificatesOfDeposit_1212" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Deposits_1211" xlink:to="Locator_axp_ThirdPartyCertificatesOfDeposit_1212" order="5.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:label="Locator_us-gaap_Deposits_1213" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ThirdPartySweepAccounts" xlink:label="Locator_axp_ThirdPartySweepAccounts_1214" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Deposits_1213" xlink:to="Locator_axp_ThirdPartySweepAccounts_1214" order="6.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:label="Locator_us-gaap_Deposits_1215" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits" xlink:label="Locator_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_1216" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Deposits_1215" xlink:to="Locator_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_1216" order="4.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:label="Locator_us-gaap_Deposits_1217" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDomesticDepositSavings" xlink:label="Locator_us-gaap_InterestBearingDomesticDepositSavings_1218" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Deposits_1217" xlink:to="Locator_us-gaap_InterestBearingDomesticDepositSavings_1218" order="3.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:label="Locator_us-gaap_Deposits_1219" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DomesticAndForeignCardmemberCreditBalances" xlink:label="Locator_axp_DomesticAndForeignCardmemberCreditBalances_1220" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Deposits_1219" xlink:to="Locator_axp_DomesticAndForeignCardmemberCreditBalances_1220" order="8.0" weight="1" />
    </calculationLink>
    <calculationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/InvestmentSecuritiesDetails3">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtSecurities_1247" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_1248" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesDebtSecurities_1247" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_1248" order="9.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtSecurities_1249" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_1250" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesDebtSecurities_1249" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_1250" order="10.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtSecurities_1251" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_1252" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesDebtSecurities_1251" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_1252" order="11.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtSecurities_1253" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_1254" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesDebtSecurities_1253" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_1254" order="12.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost_1255" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_1256" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost_1255" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_1256" order="3.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost_1257" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_1258" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost_1257" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_1258" order="4.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost_1259" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_1260" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost_1259" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_1260" order="5.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost_1261" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_1262" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost_1261" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_1262" order="6.0" weight="1" />
    </calculationLink>
    <calculationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureNonInterestRevenueAndExpenseDetailDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsOther" xlink:label="Locator_us-gaap_FeesAndCommissionsOther_1339" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ForeignCurrencyGainLoss" xlink:label="Locator_axp_ForeignCurrencyGainLoss_1340" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_FeesAndCommissionsOther_1339" xlink:to="Locator_axp_ForeignCurrencyGainLoss_1340" order="1.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsOther" xlink:label="Locator_us-gaap_FeesAndCommissionsOther_1341" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DelinquencyFees" xlink:label="Locator_axp_DelinquencyFees_1342" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_FeesAndCommissionsOther_1341" xlink:to="Locator_axp_DelinquencyFees_1342" order="2.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsOther" xlink:label="Locator_us-gaap_FeesAndCommissionsOther_1343" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoyaltyPartnerRelatedFees" xlink:label="Locator_axp_LoyaltyPartnerRelatedFees_1344" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_FeesAndCommissionsOther_1343" xlink:to="Locator_axp_LoyaltyPartnerRelatedFees_1344" order="3.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsOther" xlink:label="Locator_us-gaap_FeesAndCommissionsOther_1345" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ServiceFees" xlink:label="Locator_axp_ServiceFees_1346" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_FeesAndCommissionsOther_1345" xlink:to="Locator_axp_ServiceFees_1346" order="4.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsOther" xlink:label="Locator_us-gaap_FeesAndCommissionsOther_1347" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherCommissionsAndFees" xlink:label="Locator_axp_OtherCommissionsAndFees_1348" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_FeesAndCommissionsOther_1347" xlink:to="Locator_axp_OtherCommissionsAndFees_1348" order="5.0" weight="1" />
    </calculationLink>
    <calculationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureCustomerDepositsDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:label="Locator_us-gaap_Deposits_1609" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositLiabilitiesDomestic" xlink:label="Locator_us-gaap_InterestBearingDepositLiabilitiesDomestic_1610" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Deposits_1609" xlink:to="Locator_us-gaap_InterestBearingDepositLiabilitiesDomestic_1610" order="4.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:label="Locator_us-gaap_Deposits_1611" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilitiesDomestic" xlink:label="Locator_us-gaap_NoninterestBearingDepositLiabilitiesDomestic_1612" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Deposits_1611" xlink:to="Locator_us-gaap_NoninterestBearingDepositLiabilitiesDomestic_1612" order="5.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:label="Locator_us-gaap_Deposits_1613" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositLiabilitiesForeign" xlink:label="Locator_us-gaap_InterestBearingDepositLiabilitiesForeign_1614" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Deposits_1613" xlink:to="Locator_us-gaap_InterestBearingDepositLiabilitiesForeign_1614" order="7.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:label="Locator_us-gaap_Deposits_1615" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilitiesForeign" xlink:label="Locator_us-gaap_NoninterestBearingDepositLiabilitiesForeign_1616" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Deposits_1615" xlink:to="Locator_us-gaap_NoninterestBearingDepositLiabilitiesForeign_1616" order="8.0" weight="1" />
    </calculationLink>
    <calculationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/FairValuesDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsFairValueDisclosureRecurring" xlink:label="Locator_us-gaap_AssetsFairValueDisclosureRecurring_1681" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther" xlink:label="Locator_axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther_1682" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_AssetsFairValueDisclosureRecurring_1681" xlink:to="Locator_axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther_1682" order="5.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsFairValueDisclosureRecurring" xlink:label="Locator_us-gaap_AssetsFairValueDisclosureRecurring_1683" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesEquitySecurities" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesEquitySecurities_1684" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_AssetsFairValueDisclosureRecurring_1683" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesEquitySecurities_1684" order="4.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsFairValueDisclosureRecurring" xlink:label="Locator_us-gaap_AssetsFairValueDisclosureRecurring_1685" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:label="Locator_us-gaap_DerivativeFairValueOfDerivativeAsset_1686" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_AssetsFairValueDisclosureRecurring_1685" xlink:to="Locator_us-gaap_DerivativeFairValueOfDerivativeAsset_1686" order="6.0" weight="1" />
    </calculationLink>
    <calculationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureEarningsPerCommonShareEPSDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="Locator_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_1775" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants" xlink:label="Locator_us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants_1776" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_1775" xlink:to="Locator_us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants_1776" order="11.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="Locator_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_1777" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="Locator_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_1778" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_1777" xlink:to="Locator_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_1778" order="10.0" weight="1" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetIncomeAttributableToCommonShareholders" xlink:label="Locator_axp_NetIncomeAttributableToCommonShareholders_1779" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="Locator_us-gaap_NetIncomeLoss_1780" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_axp_NetIncomeAttributableToCommonShareholders_1779" xlink:to="Locator_us-gaap_NetIncomeLoss_1780" order="6.0" weight="1" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetIncomeAttributableToCommonShareholders" xlink:label="Locator_axp_NetIncomeAttributableToCommonShareholders_1781" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits" xlink:label="Locator_us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits_1782" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_axp_NetIncomeAttributableToCommonShareholders_1781" xlink:to="Locator_us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits_1782" order="7.0" weight="1" />
    </calculationLink>
    <calculationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/StatementConsolidatedStatementsOfCashFlows">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="Locator_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_1887" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents" xlink:label="Locator_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents_1888" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_1887" xlink:to="Locator_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents_1888" order="36.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="Locator_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_1889" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1890" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_1889" xlink:to="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1890" order="35.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1895" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInDeposits" xlink:label="Locator_us-gaap_IncreaseDecreaseInDeposits_1896" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1895" xlink:to="Locator_us-gaap_IncreaseDecreaseInDeposits_1896" order="27.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1897" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfShortTermDebt" xlink:label="Locator_us-gaap_ProceedsFromRepaymentsOfShortTermDebt_1898" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1897" xlink:to="Locator_us-gaap_ProceedsFromRepaymentsOfShortTermDebt_1898" order="28.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1899" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations" xlink:label="Locator_us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations_1900" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1899" xlink:to="Locator_us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations_1900" order="34.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1901" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromIssuanceOfLongTermDebt" xlink:label="Locator_us-gaap_ProceedsFromIssuanceOfLongTermDebt_1902" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1901" xlink:to="Locator_us-gaap_ProceedsFromIssuanceOfLongTermDebt_1902" order="29.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1903" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepaymentsOfLongTermDebt" xlink:label="Locator_us-gaap_RepaymentsOfLongTermDebt_1904" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1903" xlink:to="Locator_us-gaap_RepaymentsOfLongTermDebt_1904" order="30.0" weight="-1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1905" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:label="Locator_us-gaap_ProceedsFromIssuanceOfCommonStock_1906" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1905" xlink:to="Locator_us-gaap_ProceedsFromIssuanceOfCommonStock_1906" order="31.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1907" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:label="Locator_us-gaap_PaymentsForRepurchaseOfCommonStock_1908" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1907" xlink:to="Locator_us-gaap_PaymentsForRepurchaseOfCommonStock_1908" order="32.0" weight="-1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1909" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsOfDividends" xlink:label="Locator_us-gaap_PaymentsOfDividends_1910" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1909" xlink:to="Locator_us-gaap_PaymentsOfDividends_1910" order="33.0" weight="-1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="Locator_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_1891" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1892" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_1891" xlink:to="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1892" order="25.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1911" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:label="Locator_us-gaap_PaymentsForProceedsFromLoansAndLeases_1912" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1911" xlink:to="Locator_us-gaap_PaymentsForProceedsFromLoansAndLeases_1912" order="20.0" weight="-1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1913" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:label="Locator_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_1914" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1913" xlink:to="Locator_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_1914" order="18.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1915" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:label="Locator_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_1916" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1915" xlink:to="Locator_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_1916" order="17.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1917" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInRestrictedCash" xlink:label="Locator_us-gaap_IncreaseDecreaseInRestrictedCash_1918" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1917" xlink:to="Locator_us-gaap_IncreaseDecreaseInRestrictedCash_1918" order="23.0" weight="-1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1919" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForProceedsFromBusinessesAndInterestInAffiliates" xlink:label="Locator_us-gaap_PaymentsForProceedsFromBusinessesAndInterestInAffiliates_1920" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1919" xlink:to="Locator_us-gaap_PaymentsForProceedsFromBusinessesAndInterestInAffiliates_1920" order="22.0" weight="-1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1921" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations" xlink:label="Locator_us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations_1922" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1921" xlink:to="Locator_us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations_1922" order="24.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1923" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="Locator_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_1924" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1923" xlink:to="Locator_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_1924" order="21.0" weight="-1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1925" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireInvestments" xlink:label="Locator_us-gaap_PaymentsToAcquireInvestments_1926" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1925" xlink:to="Locator_us-gaap_PaymentsToAcquireInvestments_1926" order="19.0" weight="-1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="Locator_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_1893" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1894" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_1893" xlink:to="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1894" order="15.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1927" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInTravelersChequesOutstanding" xlink:label="Locator_axp_IncreaseDecreaseInTravelersChequesOutstanding_1928" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1927" xlink:to="Locator_axp_IncreaseDecreaseInTravelersChequesOutstanding_1928" order="12.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1929" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:label="Locator_us-gaap_IncreaseDecreaseInOtherOperatingAssets_1930" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1929" xlink:to="Locator_us-gaap_IncreaseDecreaseInOtherOperatingAssets_1930" order="10.0" weight="-1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1931" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInOtherReceivables" xlink:label="Locator_us-gaap_IncreaseDecreaseInOtherReceivables_1932" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1931" xlink:to="Locator_us-gaap_IncreaseDecreaseInOtherReceivables_1932" order="9.0" weight="-1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1933" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:label="Locator_us-gaap_ShareBasedCompensation_1934" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1933" xlink:to="Locator_us-gaap_ShareBasedCompensation_1934" order="7.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1935" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DeferredTaxesAndOther" xlink:label="Locator_axp_DeferredTaxesAndOther_1936" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1935" xlink:to="Locator_axp_DeferredTaxesAndOther_1936" order="6.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1937" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepreciationAmortizationAndAccretionNet" xlink:label="Locator_us-gaap_DepreciationAmortizationAndAccretionNet_1938" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1937" xlink:to="Locator_us-gaap_DepreciationAmortizationAndAccretionNet_1938" order="5.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1939" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:label="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLosses_1940" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1939" xlink:to="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLosses_1940" order="4.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1941" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities" xlink:label="Locator_us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities_1942" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1941" xlink:to="Locator_us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities_1942" order="11.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1943" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations" xlink:label="Locator_us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations_1944" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1943" xlink:to="Locator_us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations_1944" order="14.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1945" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchange" xlink:label="Locator_axp_IncreaseDecreaseInDebtExchange_1946" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1945" xlink:to="Locator_axp_IncreaseDecreaseInDebtExchange_1946" order="13.0" weight="-1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1947" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="Locator_us-gaap_NetIncomeLoss_1948" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1947" xlink:to="Locator_us-gaap_NetIncomeLoss_1948" order="2.0" weight="1" />
    </calculationLink>
    <calculationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/StatementConsolidatedBalanceSheets">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Assets" xlink:label="Locator_us-gaap_Assets_2149" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmount_2150" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Assets_2149" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmount_2150" order="11.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Assets" xlink:label="Locator_us-gaap_Assets_2151" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountOther" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountOther_2152" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Assets_2151" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountOther_2152" order="12.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Assets" xlink:label="Locator_us-gaap_Assets_2153" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherReceivables" xlink:label="Locator_us-gaap_OtherReceivables_2154" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Assets_2153" xlink:to="Locator_us-gaap_OtherReceivables_2154" order="9.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Assets" xlink:label="Locator_us-gaap_Assets_2155" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashCashEquivalentsAndFederalFundsSold" xlink:label="Locator_us-gaap_CashCashEquivalentsAndFederalFundsSold_2156" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Assets_2155" xlink:to="Locator_us-gaap_CashCashEquivalentsAndFederalFundsSold_2156" order="6.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashCashEquivalentsAndFederalFundsSold" xlink:label="Locator_us-gaap_CashCashEquivalentsAndFederalFundsSold_2165" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositsInBanks" xlink:label="Locator_us-gaap_InterestBearingDepositsInBanks_2166" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_CashCashEquivalentsAndFederalFundsSold_2165" xlink:to="Locator_us-gaap_InterestBearingDepositsInBanks_2166" order="4.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashCashEquivalentsAndFederalFundsSold" xlink:label="Locator_us-gaap_CashCashEquivalentsAndFederalFundsSold_2167" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndDueFromBanks" xlink:label="Locator_us-gaap_CashAndDueFromBanks_2168" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_CashCashEquivalentsAndFederalFundsSold_2167" xlink:to="Locator_us-gaap_CashAndDueFromBanks_2168" order="3.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashCashEquivalentsAndFederalFundsSold" xlink:label="Locator_us-gaap_CashCashEquivalentsAndFederalFundsSold_2169" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashEquivalentsAtCarryingValue" xlink:label="Locator_us-gaap_CashEquivalentsAtCarryingValue_2170" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_CashCashEquivalentsAndFederalFundsSold_2169" xlink:to="Locator_us-gaap_CashEquivalentsAtCarryingValue_2170" order="5.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Assets" xlink:label="Locator_us-gaap_Assets_2157" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:label="Locator_us-gaap_AvailableForSaleSecurities_2158" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Assets_2157" xlink:to="Locator_us-gaap_AvailableForSaleSecurities_2158" order="13.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Assets" xlink:label="Locator_us-gaap_Assets_2159" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNet" xlink:label="Locator_us-gaap_AccountsReceivableNet_2160" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Assets_2159" xlink:to="Locator_us-gaap_AccountsReceivableNet_2160" order="8.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Assets" xlink:label="Locator_us-gaap_Assets_2161" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentNet_2162" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Assets_2161" xlink:to="Locator_us-gaap_PropertyPlantAndEquipmentNet_2162" order="14.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Assets" xlink:label="Locator_us-gaap_Assets_2163" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherAssets" xlink:label="Locator_us-gaap_OtherAssets_2164" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Assets_2163" xlink:to="Locator_us-gaap_OtherAssets_2164" order="15.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="Locator_us-gaap_LiabilitiesAndStockholdersEquity_2171" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="Locator_us-gaap_StockholdersEquity_2172" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_LiabilitiesAndStockholdersEquity_2171" xlink:to="Locator_us-gaap_StockholdersEquity_2172" order="37.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="Locator_us-gaap_StockholdersEquity_2175" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_2176" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_StockholdersEquity_2175" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_2176" order="36.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_2183" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax_2184" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_2183" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax_2184" order="35.0" weight="-1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_2185" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax_2186" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_2185" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax_2186" order="34.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_2187" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossCumulativeChangesInNetGainLossFromCashFlowHedgesEffectNetOfTax" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossCumulativeChangesInNetGainLossFromCashFlowHedgesEffectNetOfTax_2188" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_2187" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossCumulativeChangesInNetGainLossFromCashFlowHedgesEffectNetOfTax_2188" order="33.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_2189" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_2190" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_2189" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_2190" order="32.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="Locator_us-gaap_StockholdersEquity_2177" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="Locator_us-gaap_RetainedEarningsAccumulatedDeficit_2178" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_StockholdersEquity_2177" xlink:to="Locator_us-gaap_RetainedEarningsAccumulatedDeficit_2178" order="30.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="Locator_us-gaap_StockholdersEquity_2179" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdditionalPaidInCapital" xlink:label="Locator_us-gaap_AdditionalPaidInCapital_2180" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_StockholdersEquity_2179" xlink:to="Locator_us-gaap_AdditionalPaidInCapital_2180" order="29.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="Locator_us-gaap_StockholdersEquity_2181" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockValue" xlink:label="Locator_us-gaap_CommonStockValue_2182" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_StockholdersEquity_2181" xlink:to="Locator_us-gaap_CommonStockValue_2182" order="28.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="Locator_us-gaap_LiabilitiesAndStockholdersEquity_2173" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Liabilities" xlink:label="Locator_us-gaap_Liabilities_2174" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_LiabilitiesAndStockholdersEquity_2173" xlink:to="Locator_us-gaap_Liabilities_2174" order="25.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Liabilities" xlink:label="Locator_us-gaap_Liabilities_2191" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherLiabilities" xlink:label="Locator_us-gaap_OtherLiabilities_2192" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Liabilities_2191" xlink:to="Locator_us-gaap_OtherLiabilities_2192" order="24.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Liabilities" xlink:label="Locator_us-gaap_Liabilities_2193" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermBorrowings" xlink:label="Locator_us-gaap_ShortTermBorrowings_2194" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Liabilities_2193" xlink:to="Locator_us-gaap_ShortTermBorrowings_2194" order="22.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Liabilities" xlink:label="Locator_us-gaap_Liabilities_2195" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsPayableCurrentAndNoncurrent" xlink:label="Locator_us-gaap_AccountsPayableCurrentAndNoncurrent_2196" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Liabilities_2195" xlink:to="Locator_us-gaap_AccountsPayableCurrentAndNoncurrent_2196" order="21.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Liabilities" xlink:label="Locator_us-gaap_Liabilities_2197" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TravelersChequesOutstanding" xlink:label="Locator_axp_TravelersChequesOutstanding_2198" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Liabilities_2197" xlink:to="Locator_axp_TravelersChequesOutstanding_2198" order="20.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Liabilities" xlink:label="Locator_us-gaap_Liabilities_2199" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:label="Locator_us-gaap_Deposits_2200" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Liabilities_2199" xlink:to="Locator_us-gaap_Deposits_2200" order="19.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Liabilities" xlink:label="Locator_us-gaap_Liabilities_2201" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LongTermDebt" xlink:label="Locator_us-gaap_LongTermDebt_2202" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_Liabilities_2201" xlink:to="Locator_us-gaap_LongTermDebt_2202" order="23.0" weight="1" />
    </calculationLink>
    <calculationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/StatementConsolidatedStatementsOfIncome">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:label="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLosses_2299" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForDoubtfulAccounts" xlink:label="Locator_us-gaap_ProvisionForDoubtfulAccounts_2300" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLosses_2299" xlink:to="Locator_us-gaap_ProvisionForDoubtfulAccounts_2300" order="22.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:label="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLosses_2301" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanAndLeaseLosses" xlink:label="Locator_us-gaap_ProvisionForLoanAndLeaseLosses_2302" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLosses_2301" xlink:to="Locator_us-gaap_ProvisionForLoanAndLeaseLosses_2302" order="23.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:label="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLosses_2303" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForOtherLosses" xlink:label="Locator_us-gaap_ProvisionForOtherLosses_2304" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLosses_2303" xlink:to="Locator_us-gaap_ProvisionForOtherLosses_2304" order="24.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="Locator_us-gaap_NetIncomeLoss_2305" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperations" xlink:label="Locator_us-gaap_IncomeLossFromContinuingOperations_2306" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetIncomeLoss_2305" xlink:to="Locator_us-gaap_IncomeLossFromContinuingOperations_2306" order="34.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperations" xlink:label="Locator_us-gaap_IncomeLossFromContinuingOperations_2309" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="Locator_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_2310" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_IncomeLossFromContinuingOperations_2309" xlink:to="Locator_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_2310" order="32.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="Locator_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_2313" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses" xlink:label="Locator_axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses_2314" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_2313" xlink:to="Locator_axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses_2314" order="26.0" weight="1" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses" xlink:label="Locator_axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses_2317" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TotalRevenuesNetOfInterestExpense" xlink:label="Locator_axp_TotalRevenuesNetOfInterestExpense_2318" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses_2317" xlink:to="Locator_axp_TotalRevenuesNetOfInterestExpense_2318" order="20.0" weight="1" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TotalRevenuesNetOfInterestExpense" xlink:label="Locator_axp_TotalRevenuesNetOfInterestExpense_2321" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="Locator_us-gaap_NoninterestIncome_2322" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_axp_TotalRevenuesNetOfInterestExpense_2321" xlink:to="Locator_us-gaap_NoninterestIncome_2322" order="8.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="Locator_us-gaap_NoninterestIncome_2325" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DiscountRevenue" xlink:label="Locator_axp_DiscountRevenue_2326" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NoninterestIncome_2325" xlink:to="Locator_axp_DiscountRevenue_2326" order="3.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="Locator_us-gaap_NoninterestIncome_2327" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsCreditCards" xlink:label="Locator_us-gaap_FeesAndCommissionsCreditCards_2328" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NoninterestIncome_2327" xlink:to="Locator_us-gaap_FeesAndCommissionsCreditCards_2328" order="4.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="Locator_us-gaap_NoninterestIncome_2329" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TravelCommissionsAndFees" xlink:label="Locator_axp_TravelCommissionsAndFees_2330" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NoninterestIncome_2329" xlink:to="Locator_axp_TravelCommissionsAndFees_2330" order="5.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="Locator_us-gaap_NoninterestIncome_2331" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsOther" xlink:label="Locator_us-gaap_FeesAndCommissionsOther_2332" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NoninterestIncome_2331" xlink:to="Locator_us-gaap_FeesAndCommissionsOther_2332" order="6.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="Locator_us-gaap_NoninterestIncome_2333" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:label="Locator_us-gaap_NoninterestIncomeOtherOperatingIncome_2334" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NoninterestIncome_2333" xlink:to="Locator_us-gaap_NoninterestIncomeOtherOperatingIncome_2334" order="7.0" weight="1" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TotalRevenuesNetOfInterestExpense" xlink:label="Locator_axp_TotalRevenuesNetOfInterestExpense_2323" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="Locator_us-gaap_InterestIncomeExpenseNet_2324" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_axp_TotalRevenuesNetOfInterestExpense_2323" xlink:to="Locator_us-gaap_InterestIncomeExpenseNet_2324" order="19.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="Locator_us-gaap_InterestIncomeExpenseNet_2335" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:label="Locator_us-gaap_InterestAndDividendIncomeOperating_2336" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_InterestIncomeExpenseNet_2335" xlink:to="Locator_us-gaap_InterestAndDividendIncomeOperating_2336" order="13.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:label="Locator_us-gaap_InterestAndDividendIncomeOperating_2339" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:label="Locator_us-gaap_InterestAndFeeIncomeLoansAndLeases_2340" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_InterestAndDividendIncomeOperating_2339" xlink:to="Locator_us-gaap_InterestAndFeeIncomeLoansAndLeases_2340" order="10.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:label="Locator_us-gaap_InterestAndDividendIncomeOperating_2341" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeSecurities" xlink:label="Locator_us-gaap_InterestAndDividendIncomeSecurities_2342" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_InterestAndDividendIncomeOperating_2341" xlink:to="Locator_us-gaap_InterestAndDividendIncomeSecurities_2342" order="11.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:label="Locator_us-gaap_InterestAndDividendIncomeOperating_2343" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeDepositsWithFinancialInstitutions" xlink:label="Locator_us-gaap_InterestIncomeDepositsWithFinancialInstitutions_2344" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_InterestAndDividendIncomeOperating_2343" xlink:to="Locator_us-gaap_InterestIncomeDepositsWithFinancialInstitutions_2344" order="12.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="Locator_us-gaap_InterestIncomeExpenseNet_2337" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpense" xlink:label="Locator_us-gaap_InterestExpense_2338" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_InterestIncomeExpenseNet_2337" xlink:to="Locator_us-gaap_InterestExpense_2338" order="18.0" weight="-1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpense" xlink:label="Locator_us-gaap_InterestExpense_2345" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDeposits" xlink:label="Locator_us-gaap_InterestExpenseDeposits_2346" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_InterestExpense_2345" xlink:to="Locator_us-gaap_InterestExpenseDeposits_2346" order="15.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpense" xlink:label="Locator_us-gaap_InterestExpense_2347" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseShortTermBorrowings" xlink:label="Locator_us-gaap_InterestExpenseShortTermBorrowings_2348" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_InterestExpense_2347" xlink:to="Locator_us-gaap_InterestExpenseShortTermBorrowings_2348" order="16.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpense" xlink:label="Locator_us-gaap_InterestExpense_2349" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseLongTermDebt" xlink:label="Locator_us-gaap_InterestExpenseLongTermDebt_2350" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_InterestExpense_2349" xlink:to="Locator_us-gaap_InterestExpenseLongTermDebt_2350" order="17.0" weight="1" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses" xlink:label="Locator_axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses_2319" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:label="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLosses_2320" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses_2319" xlink:to="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLosses_2320" order="25.0" weight="-1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="Locator_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_2315" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="Locator_us-gaap_NoninterestExpense_2316" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_2315" xlink:to="Locator_us-gaap_NoninterestExpense_2316" order="31.0" weight="-1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="Locator_us-gaap_NoninterestExpense_2351" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarketingPromotionRewardsAndCardmemberServices" xlink:label="Locator_axp_MarketingPromotionRewardsAndCardmemberServices_2352" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NoninterestExpense_2351" xlink:to="Locator_axp_MarketingPromotionRewardsAndCardmemberServices_2352" order="28.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="Locator_us-gaap_NoninterestExpense_2353" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="Locator_us-gaap_OtherNoninterestExpense_2354" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NoninterestExpense_2353" xlink:to="Locator_us-gaap_OtherNoninterestExpense_2354" order="30.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="Locator_us-gaap_NoninterestExpense_2355" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:label="Locator_us-gaap_LaborAndRelatedExpense_2356" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NoninterestExpense_2355" xlink:to="Locator_us-gaap_LaborAndRelatedExpense_2356" order="29.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperations" xlink:label="Locator_us-gaap_IncomeLossFromContinuingOperations_2311" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="Locator_us-gaap_IncomeTaxExpenseBenefit_2312" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_IncomeLossFromContinuingOperations_2311" xlink:to="Locator_us-gaap_IncomeTaxExpenseBenefit_2312" order="33.0" weight="-1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="Locator_us-gaap_NetIncomeLoss_2307" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax" xlink:label="Locator_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_2308" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_NetIncomeLoss_2307" xlink:to="Locator_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_2308" order="35.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:label="Locator_us-gaap_EarningsPerShareBasic_2357" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare" xlink:label="Locator_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare_2358" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_EarningsPerShareBasic_2357" xlink:to="Locator_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare_2358" order="39.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:label="Locator_us-gaap_EarningsPerShareBasic_2359" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsPerBasicShare" xlink:label="Locator_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_2360" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_EarningsPerShareBasic_2359" xlink:to="Locator_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_2360" order="38.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:label="Locator_us-gaap_EarningsPerShareDiluted_2361" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare" xlink:label="Locator_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare_2362" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_EarningsPerShareDiluted_2361" xlink:to="Locator_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare_2362" order="43.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:label="Locator_us-gaap_EarningsPerShareDiluted_2363" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare" xlink:label="Locator_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_2364" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_EarningsPerShareDiluted_2363" xlink:to="Locator_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_2364" order="42.0" weight="1" />
    </calculationLink>
    <calculationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetails2">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1" xlink:label="Locator_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1_2581" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear" xlink:label="Locator_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear_2582" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1_2581" xlink:to="Locator_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear_2582" order="5.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1" xlink:label="Locator_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1_2583" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear_2584" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1_2583" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear_2584" order="4.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses_2585" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses_2586" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses_2585" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses_2586" order="13.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses_2587" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses_2588" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses_2587" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses_2588" order="12.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_2589" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_2590" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_2589" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_2590" order="9.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_2591" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_2592" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_2591" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_2592" order="8.0" weight="1" />
    </calculationLink>
    <calculationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/FairValuesDetails1">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosureRecurring" xlink:label="Locator_us-gaap_LiabilitiesFairValueDisclosureRecurring_2717" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:label="Locator_us-gaap_DerivativeFairValueOfDerivativeLiability_2718" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_LiabilitiesFairValueDisclosureRecurring_2717" xlink:to="Locator_us-gaap_DerivativeFairValueOfDerivativeLiability_2718" order="3.0" weight="1" />
    </calculationLink>
    <calculationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/StatementConsolidatedStatementsOfComprehensiveIncome">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="Locator_us-gaap_ComprehensiveIncomeNetOfTax_2887" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="Locator_us-gaap_NetIncomeLoss_2888" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_ComprehensiveIncomeNetOfTax_2887" xlink:to="Locator_us-gaap_NetIncomeLoss_2888" order="1.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="Locator_us-gaap_ComprehensiveIncomeNetOfTax_2889" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTax_2890" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_ComprehensiveIncomeNetOfTax_2889" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTax_2890" order="7.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTax_2891" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent_2892" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTax_2891" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent_2892" order="3.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTax_2893" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesNetOfTaxPortionAttributableToParent" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesNetOfTaxPortionAttributableToParent_2894" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTax_2893" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesNetOfTaxPortionAttributableToParent_2894" order="4.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTax_2895" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_2896" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTax_2895" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_2896" order="5.0" weight="1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTax_2897" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent_2898" />
        <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTax_2897" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent_2898" order="6.0" weight="-1" />
    </calculationLink>
</linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>10
<FILENAME>axp-20140930_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>
<!-- Prepared by IBM Cognos Disclosure Management XBRL Version: 10.2.3 Using Fujitsu -->
<!-- Validation status: Passed -->
<linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/instance http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" xmlns="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrldt="http://xbrl.org/2005/xbrldt">
    <roleRef roleURI="http://americanexpress.com/role/AccountsReceivableAndLoansDetails5" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAccountsReceivableAndLoansDetails5" />
    <roleRef roleURI="http://americanexpress.com/role/AccountsReceivableAndLoansDetails6" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAccountsReceivableAndLoansDetails6" />
    <roleRef roleURI="http://americanexpress.com/role/AccountsReceivableAndLoansDetails7" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAccountsReceivableAndLoansDetails7" />
    <roleRef roleURI="http://americanexpress.com/role/AssetSecuritizationsDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAssetSecuritizationsDetails" />
    <roleRef roleURI="http://americanexpress.com/role/AssetSecuritizationsDetailsTextuals" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAssetSecuritizationsDetailsTextuals" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_AccountsReceivableAndLoansDetails" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails1" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAccountsReceivableAndLoansDetails1" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails2" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAccountsReceivableAndLoansDetails2" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails3" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAccountsReceivableAndLoansDetails3" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails4" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAccountsReceivableAndLoansDetails4" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureChangesInAccumulatedOtherComprehensiveLossIncomeDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_ChangesInAccumulatedOtherComprehensiveLossIncomeDetails" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureChangesInAccumulatedOtherComprehensiveLossIncomeDetails1" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureChangesInAccumulatedOtherComprehensiveLossIncomeDetails1" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureCustomerDepositsDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureCustomerDepositsDetails" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureCustomerDepositsDetails2" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureCustomerDepositsDetails2" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DerivativesAndHedgingActivitiesDetails" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetails1" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureDerivativesAndHedgingActivitiesDetails1" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetails2" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureDerivativesAndHedgingActivitiesDetails2" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetailsTextuals" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DerivativesAndHedgingActivitiesDetailsTextuals" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureEarningsPerCommonShareEPSDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureEarningsPerCommonShareEPSDetails" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureIncomeTaxesDetailsTextuals" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureIncomeTaxesDetailsTextuals" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureInvestmentSecuritiesDetails" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetails1" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureInvestmentSecuritiesDetails1" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetails2" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureInvestmentSecuritiesDetails2" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetailsTextuals" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureInvestmentSecuritiesDetailsTextuals" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureReportableOperatingSegmentsAndGeographicOperationsDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureReportableOperatingSegmentsAndGeographicOperationsDetails" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureReservesForLossesDetailsTextuals" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureReservesForLossesDetailsTextuals" />
    <roleRef roleURI="http://americanexpress.com/role/FairValuesDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureFairValuesDetails" />
    <roleRef roleURI="http://americanexpress.com/role/FairValuesDetails1" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureFairValuesDetails1" />
    <roleRef roleURI="http://americanexpress.com/role/FairValuesDetails2" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureFairValuesDetails2" />
    <roleRef roleURI="http://americanexpress.com/role/FairValuesDetailsTextuals" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureFairValuesDetailsTextuals" />
    <roleRef roleURI="http://americanexpress.com/role/GuaranteesDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureGuaranteesDetails" />
    <roleRef roleURI="http://americanexpress.com/role/StatementConsolidatedBalanceSheetsParenthetical" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_StatementConsolidatedBalanceSheetsParenthetical" />
    <roleRef roleURI="http://americanexpress.com/role/StatementConsolidatedStatementsOfCashFlowsParenthetical" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_StatementConsolidatedStatementsOfCashFlowsParenthetical" />
    <arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/all" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all" />
    <arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default" />
    <arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain" />
    <arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member" />
    <arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension" />
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetailsTextuals">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_7" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_8" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_DerivativeInstrumentRiskAxis_7" xlink:to="Locator_us-gaap_DerivativeContractTypeDomain_8" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_9" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TotalReturnSwapMember" xlink:label="Locator_us-gaap_TotalReturnSwapMember_10" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_9" xlink:to="Locator_us-gaap_TotalReturnSwapMember_10" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:label="Locator_us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_11" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvesteeNameDomain" xlink:label="Locator_us-gaap_EquityMethodInvesteeNameDomain_12" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_11" xlink:to="Locator_us-gaap_EquityMethodInvesteeNameDomain_12" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvesteeNameDomain" xlink:label="Locator_us-gaap_EquityMethodInvesteeNameDomain_13" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IcbcMember" xlink:label="Locator_axp_IcbcMember_14" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_EquityMethodInvesteeNameDomain_13" xlink:to="Locator_axp_IcbcMember_14" order="1.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/AssetSecuritizationsDetailsTextuals">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SecuritizedTrustsLineItems" xlink:label="Locator_axp_SecuritizedTrustsLineItems_17" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SecuritizedTrustsTable" xlink:label="Locator_axp_SecuritizedTrustsTable_18" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_axp_SecuritizedTrustsLineItems_17" xlink:to="Locator_axp_SecuritizedTrustsTable_18" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SecuritizedTrustsTable" xlink:label="Locator_axp_SecuritizedTrustsTable_19" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:label="Locator_dei_LegalEntityAxis_20" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_axp_SecuritizedTrustsTable_19" xlink:to="Locator_dei_LegalEntityAxis_20" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:label="Locator_dei_LegalEntityAxis_21" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:label="Locator_dei_EntityDomain_22" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_dei_LegalEntityAxis_21" xlink:to="Locator_dei_EntityDomain_22" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:label="Locator_dei_LegalEntityAxis_23" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:label="Locator_dei_EntityDomain_24" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_dei_LegalEntityAxis_23" xlink:to="Locator_dei_EntityDomain_24" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:label="Locator_dei_EntityDomain_25" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AmericanExpressTravelRelatedServicesCompanyIncMember" xlink:label="Locator_axp_AmericanExpressTravelRelatedServicesCompanyIncMember_26" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_dei_EntityDomain_25" xlink:to="Locator_axp_AmericanExpressTravelRelatedServicesCompanyIncMember_26" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:label="Locator_dei_EntityDomain_27" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AmericanExpressChargeTrustMember" xlink:label="Locator_axp_AmericanExpressChargeTrustMember_28" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_dei_EntityDomain_27" xlink:to="Locator_axp_AmericanExpressChargeTrustMember_28" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:label="Locator_dei_EntityDomain_29" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AmericanExpressLendingTrustMember" xlink:label="Locator_axp_AmericanExpressLendingTrustMember_30" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_dei_EntityDomain_29" xlink:to="Locator_axp_AmericanExpressLendingTrustMember_30" order="3.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SecuritizedTrustsLineItems" xlink:label="Locator_axp_SecuritizedTrustsLineItems_31" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SubordinatedSecuritiesOwned" xlink:label="Locator_axp_SubordinatedSecuritiesOwned_32" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_SecuritizedTrustsLineItems_31" xlink:to="Locator_axp_SubordinatedSecuritiesOwned_32" order="1.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureReportableOperatingSegmentsAndGeographicOperationsDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_57" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_58" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_StatementBusinessSegmentsAxis_57" xlink:to="Locator_us-gaap_SegmentDomain_58" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_59" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateAndOtherMember" xlink:label="Locator_us-gaap_CorporateAndOtherMember_60" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_59" xlink:to="Locator_us-gaap_CorporateAndOtherMember_60" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_61" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GlobalCommercialServicesMember" xlink:label="Locator_axp_GlobalCommercialServicesMember_62" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_61" xlink:to="Locator_axp_GlobalCommercialServicesMember_62" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_63" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GlobalNetworkAndMerchantServicesMember" xlink:label="Locator_axp_GlobalNetworkAndMerchantServicesMember_64" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_63" xlink:to="Locator_axp_GlobalNetworkAndMerchantServicesMember_64" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_65" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_USCardServicesMember" xlink:label="Locator_axp_USCardServicesMember_66" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_65" xlink:to="Locator_axp_USCardServicesMember_66" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_67" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InternationalCardServicesMember" xlink:label="Locator_axp_InternationalCardServicesMember_68" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_67" xlink:to="Locator_axp_InternationalCardServicesMember_68" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_69" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:label="Locator_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_70" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_69" xlink:to="Locator_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_70" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:label="Locator_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_71" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_72" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_71" xlink:to="Locator_us-gaap_StatementBusinessSegmentsAxis_72" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_73" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="Locator_us-gaap_NoninterestIncome_74" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_73" xlink:to="Locator_us-gaap_NoninterestIncome_74" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_75" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:label="Locator_us-gaap_InterestAndDividendIncomeOperating_76" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_75" xlink:to="Locator_us-gaap_InterestAndDividendIncomeOperating_76" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_77" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpense" xlink:label="Locator_us-gaap_InterestExpense_78" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_77" xlink:to="Locator_us-gaap_InterestExpense_78" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_79" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TotalRevenuesNetOfInterestExpense" xlink:label="Locator_axp_TotalRevenuesNetOfInterestExpense_80" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_79" xlink:to="Locator_axp_TotalRevenuesNetOfInterestExpense_80" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_81" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="Locator_us-gaap_NetIncomeLoss_82" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_81" xlink:to="Locator_us-gaap_NetIncomeLoss_82" order="5.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureIncomeTaxesDetailsTextuals">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxContingencyLineItems" xlink:label="Locator_us-gaap_IncomeTaxContingencyLineItems_121" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxContingencyTable" xlink:label="Locator_us-gaap_IncomeTaxContingencyTable_122" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_IncomeTaxContingencyLineItems_121" xlink:to="Locator_us-gaap_IncomeTaxContingencyTable_122" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxContingencyTable" xlink:label="Locator_us-gaap_IncomeTaxContingencyTable_123" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxAuthorityAxis" xlink:label="Locator_us-gaap_IncomeTaxAuthorityAxis_124" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_IncomeTaxContingencyTable_123" xlink:to="Locator_us-gaap_IncomeTaxAuthorityAxis_124" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxAuthorityAxis" xlink:label="Locator_us-gaap_IncomeTaxAuthorityAxis_125" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxAuthorityDomain" xlink:label="Locator_us-gaap_IncomeTaxAuthorityDomain_126" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_IncomeTaxAuthorityAxis_125" xlink:to="Locator_us-gaap_IncomeTaxAuthorityDomain_126" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxAuthorityAxis" xlink:label="Locator_us-gaap_IncomeTaxAuthorityAxis_127" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxAuthorityDomain" xlink:label="Locator_us-gaap_IncomeTaxAuthorityDomain_128" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_IncomeTaxAuthorityAxis_127" xlink:to="Locator_us-gaap_IncomeTaxAuthorityDomain_128" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxAuthorityDomain" xlink:label="Locator_us-gaap_IncomeTaxAuthorityDomain_129" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalRevenueServiceIRSMember" xlink:label="Locator_us-gaap_InternalRevenueServiceIRSMember_130" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_IncomeTaxAuthorityDomain_129" xlink:to="Locator_us-gaap_InternalRevenueServiceIRSMember_130" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxContingencyTable" xlink:label="Locator_us-gaap_IncomeTaxContingencyTable_131" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OpenTaxYearsAxis" xlink:label="Locator_axp_OpenTaxYearsAxis_132" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_IncomeTaxContingencyTable_131" xlink:to="Locator_axp_OpenTaxYearsAxis_132" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OpenTaxYearsAxis" xlink:label="Locator_axp_OpenTaxYearsAxis_133" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OpenTaxYearsDomain" xlink:label="Locator_axp_OpenTaxYearsDomain_134" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_axp_OpenTaxYearsAxis_133" xlink:to="Locator_axp_OpenTaxYearsDomain_134" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OpenTaxYearsAxis" xlink:label="Locator_axp_OpenTaxYearsAxis_135" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OpenTaxYearsDomain" xlink:label="Locator_axp_OpenTaxYearsDomain_136" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_axp_OpenTaxYearsAxis_135" xlink:to="Locator_axp_OpenTaxYearsDomain_136" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OpenTaxYearsDomain" xlink:label="Locator_axp_OpenTaxYearsDomain_137" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EarliestYearMember" xlink:label="Locator_axp_EarliestYearMember_138" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_OpenTaxYearsDomain_137" xlink:to="Locator_axp_EarliestYearMember_138" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OpenTaxYearsDomain" xlink:label="Locator_axp_OpenTaxYearsDomain_139" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LatestYearMember" xlink:label="Locator_axp_LatestYearMember_140" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_OpenTaxYearsDomain_139" xlink:to="Locator_axp_LatestYearMember_140" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxContingencyLineItems" xlink:label="Locator_us-gaap_IncomeTaxContingencyLineItems_141" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OpenTaxYear" xlink:label="Locator_us-gaap_OpenTaxYear_142" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_IncomeTaxContingencyLineItems_141" xlink:to="Locator_us-gaap_OpenTaxYear_142" order="1.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails4">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTextualsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_187" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountNonAccrualStatus" xlink:label="Locator_axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountNonAccrualStatus_188" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_187" xlink:to="Locator_axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountNonAccrualStatus_188" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTextualsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_189" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountOverNinetyDaysAccrualOfInterest" xlink:label="Locator_axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountOverNinetyDaysAccrualOfInterest_190" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_189" xlink:to="Locator_axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountOverNinetyDaysAccrualOfInterest_190" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_191" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_192" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_191" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_192" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_193" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_194" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_193" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_194" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_195" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansMember" xlink:label="Locator_axp_CardmemberLoansMember_196" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_195" xlink:to="Locator_axp_CardmemberLoansMember_196" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_197" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberReceivablesMember" xlink:label="Locator_axp_CardmemberReceivablesMember_198" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_197" xlink:to="Locator_axp_CardmemberReceivablesMember_198" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_199" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_200" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_199" xlink:to="Locator_us-gaap_StatementBusinessSegmentsAxis_200" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_201" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_202" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_StatementBusinessSegmentsAxis_201" xlink:to="Locator_us-gaap_SegmentDomain_202" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_203" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_USCardServicesMember" xlink:label="Locator_axp_USCardServicesMember_204" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_203" xlink:to="Locator_axp_USCardServicesMember_204" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_205" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InternationalCardServicesMember" xlink:label="Locator_axp_InternationalCardServicesMember_206" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_205" xlink:to="Locator_axp_InternationalCardServicesMember_206" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ImpairedLoansByModificationTypeLineItems" xlink:label="Locator_axp_ImpairedLoansByModificationTypeLineItems_207" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_208" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_axp_ImpairedLoansByModificationTypeLineItems_207" xlink:to="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_208" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ImpairedLoansByModificationTypeLineItems" xlink:label="Locator_axp_ImpairedLoansByModificationTypeLineItems_209" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoanAndLeaseReceivablesImpairedAbstract" xlink:label="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_210" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_ImpairedLoansByModificationTypeLineItems_209" xlink:to="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_210" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoanAndLeaseReceivablesImpairedAbstract" xlink:label="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_211" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_212" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_211" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_212" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoanAndLeaseReceivablesImpairedAbstract" xlink:label="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_213" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest_214" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_213" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest_214" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoanAndLeaseReceivablesImpairedAbstract" xlink:label="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_215" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsRecordedInvestment" xlink:label="Locator_us-gaap_FinancingReceivableModificationsRecordedInvestment_216" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_215" xlink:to="Locator_us-gaap_FinancingReceivableModificationsRecordedInvestment_216" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoanAndLeaseReceivablesImpairedAbstract" xlink:label="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_217" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableRecordedInvestment_218" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_217" xlink:to="Locator_us-gaap_ImpairedFinancingReceivableRecordedInvestment_218" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoanAndLeaseReceivablesImpairedAbstract" xlink:label="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_219" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance" xlink:label="Locator_axp_LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance_220" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_219" xlink:to="Locator_axp_LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance_220" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoanAndLeaseReceivablesImpairedAbstract" xlink:label="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_221" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableRelatedAllowance_222" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_221" xlink:to="Locator_us-gaap_ImpairedFinancingReceivableRelatedAllowance_222" order="6.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ImpairedLoansByModificationTypeLineItems" xlink:label="Locator_axp_ImpairedLoansByModificationTypeLineItems_223" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTextualsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_224" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_ImpairedLoansByModificationTypeLineItems_223" xlink:to="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_224" order="2.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails3">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_257" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditQualityIndicatorForLoansAndReceivablesAbstract" xlink:label="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_258" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_257" xlink:to="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_258" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditQualityIndicatorForLoansAndReceivablesAbstract" xlink:label="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_259" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetWriteOffRatePrincipal" xlink:label="Locator_axp_NetWriteOffRatePrincipal_260" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_259" xlink:to="Locator_axp_NetWriteOffRatePrincipal_260" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditQualityIndicatorForLoansAndReceivablesAbstract" xlink:label="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_261" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetWriteOffRatePrincipalInterestFees" xlink:label="Locator_axp_NetWriteOffRatePrincipalInterestFees_262" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_261" xlink:to="Locator_axp_NetWriteOffRatePrincipalInterestFees_262" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditQualityIndicatorForLoansAndReceivablesAbstract" xlink:label="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_263" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ThirtyDaysPastDueAsPercentageOfTotal" xlink:label="Locator_axp_ThirtyDaysPastDueAsPercentageOfTotal_264" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_263" xlink:to="Locator_axp_ThirtyDaysPastDueAsPercentageOfTotal_264" order="3.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditQualityIndicatorForLoansAndReceivablesAbstract" xlink:label="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_265" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetLossRatioAsPercentageOfChargeVolume" xlink:label="Locator_axp_NetLossRatioAsPercentageOfChargeVolume_266" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_265" xlink:to="Locator_axp_NetLossRatioAsPercentageOfChargeVolume_266" order="4.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditQualityIndicatorForLoansAndReceivablesAbstract" xlink:label="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_267" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NinetyDaysPastBillingAsPercentageOfReceivables" xlink:label="Locator_axp_NinetyDaysPastBillingAsPercentageOfReceivables_268" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_267" xlink:to="Locator_axp_NinetyDaysPastBillingAsPercentageOfReceivables_268" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_269" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_270" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_269" xlink:to="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_270" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_271" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_272" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_271" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_272" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_273" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_274" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_273" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_274" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_275" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansMember" xlink:label="Locator_axp_CardmemberLoansMember_276" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_275" xlink:to="Locator_axp_CardmemberLoansMember_276" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_277" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberReceivablesMember" xlink:label="Locator_axp_CardmemberReceivablesMember_278" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_277" xlink:to="Locator_axp_CardmemberReceivablesMember_278" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_279" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_280" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_279" xlink:to="Locator_us-gaap_StatementBusinessSegmentsAxis_280" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_281" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_282" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_StatementBusinessSegmentsAxis_281" xlink:to="Locator_us-gaap_SegmentDomain_282" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_283" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GlobalCommercialServicesMember" xlink:label="Locator_axp_GlobalCommercialServicesMember_284" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_283" xlink:to="Locator_axp_GlobalCommercialServicesMember_284" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_285" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_USCardServicesMember" xlink:label="Locator_axp_USCardServicesMember_286" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_285" xlink:to="Locator_axp_USCardServicesMember_286" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_287" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InternationalCardServicesMember" xlink:label="Locator_axp_InternationalCardServicesMember_288" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_287" xlink:to="Locator_axp_InternationalCardServicesMember_288" order="2.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails2">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_367" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_368" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_367" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_368" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_369" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancingReceivableRecordedInvestmentsCurrent" xlink:label="Locator_axp_FinancingReceivableRecordedInvestmentsCurrent_370" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_369" xlink:to="Locator_axp_FinancingReceivableRecordedInvestmentsCurrent_370" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_371" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue_372" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_371" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue_372" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_373" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue_374" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_373" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue_374" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_375" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue_376" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_375" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue_376" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_377" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue" xlink:label="Locator_axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue_378" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_377" xlink:to="Locator_axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue_378" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_379" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_380" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_379" xlink:to="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_380" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_381" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_382" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_381" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_382" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_383" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_384" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_383" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_384" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_385" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_386" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_385" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_386" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_387" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansMember" xlink:label="Locator_axp_CardmemberLoansMember_388" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_387" xlink:to="Locator_axp_CardmemberLoansMember_388" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_389" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberReceivablesMember" xlink:label="Locator_axp_CardmemberReceivablesMember_390" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_389" xlink:to="Locator_axp_CardmemberReceivablesMember_390" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_391" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_392" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_391" xlink:to="Locator_us-gaap_StatementBusinessSegmentsAxis_392" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_393" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_394" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_StatementBusinessSegmentsAxis_393" xlink:to="Locator_us-gaap_SegmentDomain_394" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_395" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GlobalCommercialServicesMember" xlink:label="Locator_axp_GlobalCommercialServicesMember_396" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_395" xlink:to="Locator_axp_GlobalCommercialServicesMember_396" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_397" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_USCardServicesMember" xlink:label="Locator_axp_USCardServicesMember_398" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_397" xlink:to="Locator_axp_USCardServicesMember_398" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_399" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InternationalCardServicesMember" xlink:label="Locator_axp_InternationalCardServicesMember_400" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_399" xlink:to="Locator_axp_InternationalCardServicesMember_400" order="2.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails1">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_443" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndLeasesReceivablesDisclosureAbstract" xlink:label="Locator_axp_LoansAndLeasesReceivablesDisclosureAbstract_444" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_443" xlink:to="Locator_axp_LoansAndLeasesReceivablesDisclosureAbstract_444" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndLeasesReceivablesDisclosureAbstract" xlink:label="Locator_axp_LoansAndLeasesReceivablesDisclosureAbstract_445" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard_446" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_LoansAndLeasesReceivablesDisclosureAbstract_445" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard_446" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndLeasesReceivablesDisclosureAbstract" xlink:label="Locator_axp_LoansAndLeasesReceivablesDisclosureAbstract_447" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableAllowance_448" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_LoansAndLeasesReceivablesDisclosureAbstract_447" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableAllowance_448" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndLeasesReceivablesDisclosureAbstract" xlink:label="Locator_axp_LoansAndLeasesReceivablesDisclosureAbstract_449" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmount_450" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_LoansAndLeasesReceivablesDisclosureAbstract_449" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmount_450" order="3.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndLeasesReceivablesDisclosureAbstract" xlink:label="Locator_axp_LoansAndLeasesReceivablesDisclosureAbstract_451" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountOther" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountOther_452" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_LoansAndLeasesReceivablesDisclosureAbstract_451" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountOther_452" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_453" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTextualsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_454" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_453" xlink:to="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_454" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTextualsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_455" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GrossLoansAvailableToSettleObligationsOfConsolidatedVariableInterestEntity" xlink:label="Locator_axp_GrossLoansAvailableToSettleObligationsOfConsolidatedVariableInterestEntity_456" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_455" xlink:to="Locator_axp_GrossLoansAvailableToSettleObligationsOfConsolidatedVariableInterestEntity_456" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTextualsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_457" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableOtherAllowance" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableOtherAllowance_458" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_457" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableOtherAllowance_458" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_459" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_460" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_459" xlink:to="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_460" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_461" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_462" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_461" xlink:to="Locator_us-gaap_StatementBusinessSegmentsAxis_462" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_463" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_464" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_StatementBusinessSegmentsAxis_463" xlink:to="Locator_us-gaap_SegmentDomain_464" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_465" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GlobalCommercialServicesMember" xlink:label="Locator_axp_GlobalCommercialServicesMember_466" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_465" xlink:to="Locator_axp_GlobalCommercialServicesMember_466" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_467" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_USCardServicesMember" xlink:label="Locator_axp_USCardServicesMember_468" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_467" xlink:to="Locator_axp_USCardServicesMember_468" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_469" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InternationalCardServicesMember" xlink:label="Locator_axp_InternationalCardServicesMember_470" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_469" xlink:to="Locator_axp_InternationalCardServicesMember_470" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_471" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:label="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_472" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_471" xlink:to="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_472" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:label="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_473" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:label="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_474" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_473" xlink:to="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_474" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:label="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_475" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:label="Locator_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_476" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_475" xlink:to="Locator_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_476" order="1.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_557" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableSegmentAbstract" xlink:label="Locator_axp_AccountsReceivableSegmentAbstract_558" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_557" xlink:to="Locator_axp_AccountsReceivableSegmentAbstract_558" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableSegmentAbstract" xlink:label="Locator_axp_AccountsReceivableSegmentAbstract_559" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NotesReceivableGross" xlink:label="Locator_us-gaap_NotesReceivableGross_560" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_AccountsReceivableSegmentAbstract_559" xlink:to="Locator_us-gaap_NotesReceivableGross_560" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableSegmentAbstract" xlink:label="Locator_axp_AccountsReceivableSegmentAbstract_561" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForDoubtfulAccountsReceivable" xlink:label="Locator_us-gaap_AllowanceForDoubtfulAccountsReceivable_562" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_AccountsReceivableSegmentAbstract_561" xlink:to="Locator_us-gaap_AllowanceForDoubtfulAccountsReceivable_562" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableSegmentAbstract" xlink:label="Locator_axp_AccountsReceivableSegmentAbstract_563" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNet" xlink:label="Locator_us-gaap_AccountsReceivableNet_564" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_AccountsReceivableSegmentAbstract_563" xlink:to="Locator_us-gaap_AccountsReceivableNet_564" order="3.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableSegmentAbstract" xlink:label="Locator_axp_AccountsReceivableSegmentAbstract_565" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherReceivables" xlink:label="Locator_us-gaap_OtherReceivables_566" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_AccountsReceivableSegmentAbstract_565" xlink:to="Locator_us-gaap_OtherReceivables_566" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_567" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTextualsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_568" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_567" xlink:to="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_568" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTextualsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_569" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GrossReceivablesAvailableToSettleObligationsOfConsolidatedVariableInterestEntity" xlink:label="Locator_axp_GrossReceivablesAvailableToSettleObligationsOfConsolidatedVariableInterestEntity_570" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_569" xlink:to="Locator_axp_GrossReceivablesAvailableToSettleObligationsOfConsolidatedVariableInterestEntity_570" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTextualsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_571" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherReceivablesReserves" xlink:label="Locator_axp_OtherReceivablesReserves_572" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_571" xlink:to="Locator_axp_OtherReceivablesReserves_572" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_505" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_506" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_505" xlink:to="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_506" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_521" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_522" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_521" xlink:to="Locator_us-gaap_StatementBusinessSegmentsAxis_522" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_531" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_532" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_StatementBusinessSegmentsAxis_531" xlink:to="Locator_us-gaap_SegmentDomain_532" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_573" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_574" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_StatementBusinessSegmentsAxis_573" xlink:to="Locator_us-gaap_SegmentDomain_574" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_537" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GlobalCommercialServicesMember" xlink:label="Locator_axp_GlobalCommercialServicesMember_538" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_537" xlink:to="Locator_axp_GlobalCommercialServicesMember_538" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_539" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GlobalNetworkAndMerchantServicesMember" xlink:label="Locator_axp_GlobalNetworkAndMerchantServicesMember_540" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_539" xlink:to="Locator_axp_GlobalNetworkAndMerchantServicesMember_540" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_533" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_USCardServicesMember" xlink:label="Locator_axp_USCardServicesMember_534" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_533" xlink:to="Locator_axp_USCardServicesMember_534" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_535" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InternationalCardServicesMember" xlink:label="Locator_axp_InternationalCardServicesMember_536" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_535" xlink:to="Locator_axp_InternationalCardServicesMember_536" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_523" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementGeographicalAxis" xlink:label="Locator_us-gaap_StatementGeographicalAxis_524" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_523" xlink:to="Locator_us-gaap_StatementGeographicalAxis_524" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementGeographicalAxis" xlink:label="Locator_us-gaap_StatementGeographicalAxis_541" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentGeographicalDomain" xlink:label="Locator_us-gaap_SegmentGeographicalDomain_542" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_StatementGeographicalAxis_541" xlink:to="Locator_us-gaap_SegmentGeographicalDomain_542" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentGeographicalDomain" xlink:label="Locator_us-gaap_SegmentGeographicalDomain_543" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NonUnitedStatesMember" xlink:label="Locator_axp_NonUnitedStatesMember_544" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentGeographicalDomain_543" xlink:to="Locator_axp_NonUnitedStatesMember_544" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_525" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:label="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_526" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_525" xlink:to="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_526" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:label="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_545" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:label="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_546" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_545" xlink:to="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_546" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:label="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_547" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:label="Locator_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_548" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_547" xlink:to="Locator_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_548" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_527" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_528" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_527" xlink:to="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_528" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_549" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IndustryOfCounterpartyDomain" xlink:label="Locator_us-gaap_IndustryOfCounterpartyDomain_550" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_549" xlink:to="Locator_us-gaap_IndustryOfCounterpartyDomain_550" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_575" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IndustryOfCounterpartyDomain" xlink:label="Locator_us-gaap_IndustryOfCounterpartyDomain_576" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_575" xlink:to="Locator_us-gaap_IndustryOfCounterpartyDomain_576" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IndustryOfCounterpartyDomain" xlink:label="Locator_us-gaap_IndustryOfCounterpartyDomain_551" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AirlineMember" xlink:label="Locator_axp_AirlineMember_552" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_IndustryOfCounterpartyDomain_551" xlink:to="Locator_axp_AirlineMember_552" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_529" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_530" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_529" xlink:to="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_530" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_553" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CounterpartyNamesDomain" xlink:label="Locator_axp_CounterpartyNamesDomain_554" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_553" xlink:to="Locator_axp_CounterpartyNamesDomain_554" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_577" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CounterpartyNamesDomain" xlink:label="Locator_axp_CounterpartyNamesDomain_578" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_577" xlink:to="Locator_axp_CounterpartyNamesDomain_578" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CounterpartyNamesDomain" xlink:label="Locator_axp_CounterpartyNamesDomain_555" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DeltaMember" xlink:label="Locator_axp_DeltaMember_556" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_CounterpartyNamesDomain_555" xlink:to="Locator_axp_DeltaMember_556" order="1.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetailsTextuals">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_737" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_738" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_DerivativeInstrumentRiskAxis_737" xlink:to="Locator_us-gaap_DerivativeContractTypeDomain_738" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_739" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueHedgingMember" xlink:label="Locator_us-gaap_FairValueHedgingMember_740" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_739" xlink:to="Locator_us-gaap_FairValueHedgingMember_740" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_741" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashFlowHedgingMember" xlink:label="Locator_us-gaap_CashFlowHedgingMember_742" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_741" xlink:to="Locator_us-gaap_CashFlowHedgingMember_742" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_743" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetInvestmentHedgingMember" xlink:label="Locator_us-gaap_NetInvestmentHedgingMember_744" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_743" xlink:to="Locator_us-gaap_NetInvestmentHedgingMember_744" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_745" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditValuationAdjustmentMember" xlink:label="Locator_axp_CreditValuationAdjustmentMember_746" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_745" xlink:to="Locator_axp_CreditValuationAdjustmentMember_746" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:label="Locator_us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_747" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvesteeNameDomain" xlink:label="Locator_us-gaap_EquityMethodInvesteeNameDomain_748" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_747" xlink:to="Locator_us-gaap_EquityMethodInvesteeNameDomain_748" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:label="Locator_us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_787" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvesteeNameDomain" xlink:label="Locator_us-gaap_EquityMethodInvesteeNameDomain_788" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_787" xlink:to="Locator_us-gaap_EquityMethodInvesteeNameDomain_788" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvesteeNameDomain" xlink:label="Locator_us-gaap_EquityMethodInvesteeNameDomain_749" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IcbcMember" xlink:label="Locator_axp_IcbcMember_750" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_EquityMethodInvesteeNameDomain_749" xlink:to="Locator_axp_IcbcMember_750" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_723" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_724" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_DerivativeLineItems_723" xlink:to="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_724" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_727" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:label="Locator_us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_728" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_727" xlink:to="Locator_us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_728" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_729" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementBasisAxis" xlink:label="Locator_us-gaap_FairValueByMeasurementBasisAxis_730" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_729" xlink:to="Locator_us-gaap_FairValueByMeasurementBasisAxis_730" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementBasisAxis" xlink:label="Locator_us-gaap_FairValueByMeasurementBasisAxis_751" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:label="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_752" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_FairValueByMeasurementBasisAxis_751" xlink:to="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_752" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:label="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_753" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:label="Locator_us-gaap_EstimateOfFairValueFairValueDisclosureMember_754" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_753" xlink:to="Locator_us-gaap_EstimateOfFairValueFairValueDisclosureMember_754" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_733" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationAxis" xlink:label="Locator_us-gaap_IncomeStatementLocationAxis_734" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_733" xlink:to="Locator_us-gaap_IncomeStatementLocationAxis_734" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationAxis" xlink:label="Locator_us-gaap_IncomeStatementLocationAxis_759" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_760" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_IncomeStatementLocationAxis_759" xlink:to="Locator_us-gaap_IncomeStatementLocationDomain_760" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_761" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseMember" xlink:label="Locator_us-gaap_InterestExpenseMember_762" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_IncomeStatementLocationDomain_761" xlink:to="Locator_us-gaap_InterestExpenseMember_762" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_763" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherExpenseMember" xlink:label="Locator_us-gaap_OtherExpenseMember_764" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_IncomeStatementLocationDomain_763" xlink:to="Locator_us-gaap_OtherExpenseMember_764" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_735" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeByNatureAxis" xlink:label="Locator_us-gaap_DerivativeByNatureAxis_736" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_735" xlink:to="Locator_us-gaap_DerivativeByNatureAxis_736" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeByNatureAxis" xlink:label="Locator_us-gaap_DerivativeByNatureAxis_765" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeNameDomain" xlink:label="Locator_us-gaap_DerivativeNameDomain_766" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_DerivativeByNatureAxis_765" xlink:to="Locator_us-gaap_DerivativeNameDomain_766" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeByNatureAxis" xlink:label="Locator_us-gaap_DerivativeByNatureAxis_785" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeNameDomain" xlink:label="Locator_us-gaap_DerivativeNameDomain_786" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_DerivativeByNatureAxis_785" xlink:to="Locator_us-gaap_DerivativeNameDomain_786" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeNameDomain" xlink:label="Locator_us-gaap_DerivativeNameDomain_767" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NotSoldOrRepledgedMember" xlink:label="Locator_axp_NotSoldOrRepledgedMember_768" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeNameDomain_767" xlink:to="Locator_axp_NotSoldOrRepledgedMember_768" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeNameDomain" xlink:label="Locator_us-gaap_DerivativeNameDomain_769" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RiskExposureLowMember" xlink:label="Locator_axp_RiskExposureLowMember_770" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeNameDomain_769" xlink:to="Locator_axp_RiskExposureLowMember_770" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_731" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_732" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_731" xlink:to="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_732" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_755" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingRelationshipDomain" xlink:label="Locator_us-gaap_HedgingRelationshipDomain_756" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_755" xlink:to="Locator_us-gaap_HedgingRelationshipDomain_756" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingRelationshipDomain" xlink:label="Locator_us-gaap_HedgingRelationshipDomain_757" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetInvestmentHedgingMember" xlink:label="Locator_us-gaap_NetInvestmentHedgingMember_758" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_HedgingRelationshipDomain_757" xlink:to="Locator_us-gaap_NetInvestmentHedgingMember_758" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_725" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_726" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_725" xlink:to="Locator_us-gaap_DerivativeInstrumentRiskAxis_726" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_771" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeAmountOfHedgedItem" xlink:label="Locator_us-gaap_DerivativeAmountOfHedgedItem_772" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeLineItems_771" xlink:to="Locator_us-gaap_DerivativeAmountOfHedgedItem_772" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_773" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesEquitySecurities" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesEquitySecurities_774" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeLineItems_773" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesEquitySecurities_774" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_775" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax" xlink:label="Locator_axp_EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax_776" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeLineItems_775" xlink:to="Locator_axp_EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax_776" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_777" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged" xlink:label="Locator_us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged_778" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeLineItems_777" xlink:to="Locator_us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged_778" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_781" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet_782" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeLineItems_781" xlink:to="Locator_us-gaap_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet_782" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_783" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossRecognizedInIncomeIneffectivePortionAndAmountExcludedFromEffectivenessTestingNet" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossRecognizedInIncomeIneffectivePortionAndAmountExcludedFromEffectivenessTestingNet_784" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeLineItems_783" xlink:to="Locator_us-gaap_DerivativeInstrumentsGainLossRecognizedInIncomeIneffectivePortionAndAmountExcludedFromEffectivenessTestingNet_784" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_779" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeAssets" xlink:label="Locator_us-gaap_DerivativeAssets_780" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeLineItems_779" xlink:to="Locator_us-gaap_DerivativeAssets_780" order="5.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetails2">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_839" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_840" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_DerivativeInstrumentRiskAxis_839" xlink:to="Locator_us-gaap_DerivativeContractTypeDomain_840" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_841" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestRateContractMember" xlink:label="Locator_us-gaap_InterestRateContractMember_842" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_841" xlink:to="Locator_us-gaap_InterestRateContractMember_842" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_843" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ForeignExchangeContractMember" xlink:label="Locator_us-gaap_ForeignExchangeContractMember_844" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_843" xlink:to="Locator_us-gaap_ForeignExchangeContractMember_844" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_845" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityContractMember" xlink:label="Locator_us-gaap_EquityContractMember_846" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_845" xlink:to="Locator_us-gaap_EquityContractMember_846" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationAxis" xlink:label="Locator_us-gaap_IncomeStatementLocationAxis_877" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_878" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_IncomeStatementLocationAxis_877" xlink:to="Locator_us-gaap_IncomeStatementLocationDomain_878" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_879" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseMember" xlink:label="Locator_us-gaap_InterestExpenseMember_880" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_IncomeStatementLocationDomain_879" xlink:to="Locator_us-gaap_InterestExpenseMember_880" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_881" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeMember" xlink:label="Locator_us-gaap_InterestIncomeMember_882" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_IncomeStatementLocationDomain_881" xlink:to="Locator_us-gaap_InterestIncomeMember_882" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_883" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CostOfCardMemberServicesMember" xlink:label="Locator_axp_CostOfCardMemberServicesMember_884" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_IncomeStatementLocationDomain_883" xlink:to="Locator_axp_CostOfCardMemberServicesMember_884" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_885" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherExpenseMember" xlink:label="Locator_us-gaap_OtherExpenseMember_886" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_IncomeStatementLocationDomain_885" xlink:to="Locator_us-gaap_OtherExpenseMember_886" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_887" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherIncomeMember" xlink:label="Locator_us-gaap_OtherIncomeMember_888" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_IncomeStatementLocationDomain_887" xlink:to="Locator_us-gaap_OtherIncomeMember_888" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingDesignationAxis" xlink:label="Locator_us-gaap_HedgingDesignationAxis_847" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingDesignationDomain" xlink:label="Locator_us-gaap_HedgingDesignationDomain_848" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_HedgingDesignationAxis_847" xlink:to="Locator_us-gaap_HedgingDesignationDomain_848" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingDesignationDomain" xlink:label="Locator_us-gaap_HedgingDesignationDomain_849" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NondesignatedMember" xlink:label="Locator_us-gaap_NondesignatedMember_850" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_HedgingDesignationDomain_849" xlink:to="Locator_us-gaap_NondesignatedMember_850" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_851" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeGainLossOnDerivativeNet" xlink:label="Locator_us-gaap_DerivativeGainLossOnDerivativeNet_852" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_851" xlink:to="Locator_us-gaap_DerivativeGainLossOnDerivativeNet_852" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_853" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_854" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_853" xlink:to="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_854" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_855" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfDebtAxis" xlink:label="Locator_axp_TypeOfDebtAxis_856" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_855" xlink:to="Locator_axp_TypeOfDebtAxis_856" order="3.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfDebtAxis" xlink:label="Locator_axp_TypeOfDebtAxis_857" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfDebtDomain" xlink:label="Locator_axp_TypeOfDebtDomain_858" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_axp_TypeOfDebtAxis_857" xlink:to="Locator_axp_TypeOfDebtDomain_858" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfDebtAxis" xlink:label="Locator_axp_TypeOfDebtAxis_859" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfDebtDomain" xlink:label="Locator_axp_TypeOfDebtDomain_860" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_axp_TypeOfDebtAxis_859" xlink:to="Locator_axp_TypeOfDebtDomain_860" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfDebtDomain" xlink:label="Locator_axp_TypeOfDebtDomain_861" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtMember" xlink:label="Locator_us-gaap_ShortTermDebtMember_862" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_TypeOfDebtDomain_861" xlink:to="Locator_us-gaap_ShortTermDebtMember_862" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfDebtDomain" xlink:label="Locator_axp_TypeOfDebtDomain_863" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LongTermDebtMember" xlink:label="Locator_us-gaap_LongTermDebtMember_864" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_TypeOfDebtDomain_863" xlink:to="Locator_us-gaap_LongTermDebtMember_864" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_865" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="Locator_us-gaap_InvestmentTypeAxis_866" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_865" xlink:to="Locator_us-gaap_InvestmentTypeAxis_866" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="Locator_us-gaap_InvestmentTypeAxis_867" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentTypesDomain" xlink:label="Locator_axp_InvestmentTypesDomain_868" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_InvestmentTypeAxis_867" xlink:to="Locator_axp_InvestmentTypesDomain_868" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="Locator_us-gaap_InvestmentTypeAxis_869" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentTypesDomain" xlink:label="Locator_axp_InvestmentTypesDomain_870" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_InvestmentTypeAxis_869" xlink:to="Locator_axp_InvestmentTypesDomain_870" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentTypesDomain" xlink:label="Locator_axp_InvestmentTypesDomain_871" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SecuritiesInvestmentMember" xlink:label="Locator_us-gaap_SecuritiesInvestmentMember_872" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_InvestmentTypesDomain_871" xlink:to="Locator_us-gaap_SecuritiesInvestmentMember_872" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_873" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingDesignationAxis" xlink:label="Locator_us-gaap_HedgingDesignationAxis_874" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_873" xlink:to="Locator_us-gaap_HedgingDesignationAxis_874" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_875" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationAxis" xlink:label="Locator_us-gaap_IncomeStatementLocationAxis_876" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_875" xlink:to="Locator_us-gaap_IncomeStatementLocationAxis_876" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_889" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_890" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_889" xlink:to="Locator_us-gaap_DerivativeInstrumentRiskAxis_890" order="2.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetails1">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_949" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_950" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_DerivativeInstrumentRiskAxis_949" xlink:to="Locator_us-gaap_DerivativeContractTypeDomain_950" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_951" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestRateContractMember" xlink:label="Locator_us-gaap_InterestRateContractMember_952" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_951" xlink:to="Locator_us-gaap_InterestRateContractMember_952" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_953" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TotalReturnSwapMember" xlink:label="Locator_us-gaap_TotalReturnSwapMember_954" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_953" xlink:to="Locator_us-gaap_TotalReturnSwapMember_954" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationAxis" xlink:label="Locator_us-gaap_IncomeStatementLocationAxis_963" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_964" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_IncomeStatementLocationAxis_963" xlink:to="Locator_us-gaap_IncomeStatementLocationDomain_964" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationAxis" xlink:label="Locator_us-gaap_IncomeStatementLocationAxis_965" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_966" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_IncomeStatementLocationAxis_965" xlink:to="Locator_us-gaap_IncomeStatementLocationDomain_966" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_967" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherExpenseMember" xlink:label="Locator_us-gaap_OtherExpenseMember_968" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_IncomeStatementLocationDomain_967" xlink:to="Locator_us-gaap_OtherExpenseMember_968" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_969" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherIncomeMember" xlink:label="Locator_us-gaap_OtherIncomeMember_970" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_IncomeStatementLocationDomain_969" xlink:to="Locator_us-gaap_OtherIncomeMember_970" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_955" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingRelationshipDomain" xlink:label="Locator_us-gaap_HedgingRelationshipDomain_956" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_955" xlink:to="Locator_us-gaap_HedgingRelationshipDomain_956" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingRelationshipDomain" xlink:label="Locator_us-gaap_HedgingRelationshipDomain_957" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueHedgingMember" xlink:label="Locator_us-gaap_FairValueHedgingMember_958" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_HedgingRelationshipDomain_957" xlink:to="Locator_us-gaap_FairValueHedgingMember_958" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_959" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_960" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_959" xlink:to="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_960" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_961" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationAxis" xlink:label="Locator_us-gaap_IncomeStatementLocationAxis_962" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_961" xlink:to="Locator_us-gaap_IncomeStatementLocationAxis_962" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_971" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_972" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_971" xlink:to="Locator_us-gaap_DerivativeInstrumentRiskAxis_972" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_973" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_974" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_973" xlink:to="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_974" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_975" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1" xlink:label="Locator_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1_976" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_975" xlink:to="Locator_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1_976" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_977" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1" xlink:label="Locator_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1_978" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_977" xlink:to="Locator_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1_978" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_979" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnFairValueHedgeIneffectivenessNet" xlink:label="Locator_us-gaap_GainLossOnFairValueHedgeIneffectivenessNet_980" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_979" xlink:to="Locator_us-gaap_GainLossOnFairValueHedgeIneffectivenessNet_980" order="3.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/FairValuesDetails2">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:label="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_1035" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:label="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_1036" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_1035" xlink:to="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_1036" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:label="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_1037" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:label="Locator_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_1038" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_1037" xlink:to="Locator_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_1038" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementBasisAxis" xlink:label="Locator_us-gaap_FairValueByMeasurementBasisAxis_1039" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:label="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1040" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_FairValueByMeasurementBasisAxis_1039" xlink:to="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1040" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementBasisAxis" xlink:label="Locator_us-gaap_FairValueByMeasurementBasisAxis_1041" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:label="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1042" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_FairValueByMeasurementBasisAxis_1041" xlink:to="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1042" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:label="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1043" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:label="Locator_us-gaap_CarryingReportedAmountFairValueDisclosureMember_1044" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1043" xlink:to="Locator_us-gaap_CarryingReportedAmountFairValueDisclosureMember_1044" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:label="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1045" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:label="Locator_us-gaap_EstimateOfFairValueFairValueDisclosureMember_1046" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1045" xlink:to="Locator_us-gaap_EstimateOfFairValueFairValueDisclosureMember_1046" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:label="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1047" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:label="Locator_us-gaap_FairValueInputsLevel1Member_1048" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1047" xlink:to="Locator_us-gaap_FairValueInputsLevel1Member_1048" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:label="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1049" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:label="Locator_us-gaap_FairValueInputsLevel2Member_1050" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1049" xlink:to="Locator_us-gaap_FairValueInputsLevel2Member_1050" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:label="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1051" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="Locator_us-gaap_FairValueInputsLevel3Member_1052" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1051" xlink:to="Locator_us-gaap_FairValueInputsLevel3Member_1052" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:label="Locator_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_1053" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTable" xlink:label="Locator_us-gaap_FairValueByBalanceSheetGroupingTable_1054" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_1053" xlink:to="Locator_us-gaap_FairValueByBalanceSheetGroupingTable_1054" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTable" xlink:label="Locator_us-gaap_FairValueByBalanceSheetGroupingTable_1055" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementBasisAxis" xlink:label="Locator_us-gaap_FairValueByMeasurementBasisAxis_1056" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_FairValueByBalanceSheetGroupingTable_1055" xlink:to="Locator_us-gaap_FairValueByMeasurementBasisAxis_1056" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTable" xlink:label="Locator_us-gaap_FairValueByBalanceSheetGroupingTable_1057" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:label="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_1058" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_FairValueByBalanceSheetGroupingTable_1057" xlink:to="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_1058" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:label="Locator_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_1059" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:label="Locator_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_1060" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_1059" xlink:to="Locator_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_1060" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:label="Locator_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_1061" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract" xlink:label="Locator_axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract_1062" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_1061" xlink:to="Locator_axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract_1062" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract" xlink:label="Locator_axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract_1063" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashCashEquivalentsAndFederalFundsSold" xlink:label="Locator_us-gaap_CashCashEquivalentsAndFederalFundsSold_1064" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract_1063" xlink:to="Locator_us-gaap_CashCashEquivalentsAndFederalFundsSold_1064" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract" xlink:label="Locator_axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract_1065" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherAssetsFairValueDisclosure" xlink:label="Locator_us-gaap_OtherAssetsFairValueDisclosure_1066" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract_1065" xlink:to="Locator_us-gaap_OtherAssetsFairValueDisclosure_1066" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:label="Locator_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_1067" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetsCarriedAtOtherThanFairValueAbstract" xlink:label="Locator_axp_AssetsCarriedAtOtherThanFairValueAbstract_1068" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_1067" xlink:to="Locator_axp_AssetsCarriedAtOtherThanFairValueAbstract_1068" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetsCarriedAtOtherThanFairValueAbstract" xlink:label="Locator_axp_AssetsCarriedAtOtherThanFairValueAbstract_1069" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansNet" xlink:label="Locator_axp_LoansNet_1070" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_AssetsCarriedAtOtherThanFairValueAbstract_1069" xlink:to="Locator_axp_LoansNet_1070" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:label="Locator_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_1071" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:label="Locator_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_1072" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_1071" xlink:to="Locator_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_1072" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:label="Locator_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_1073" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue" xlink:label="Locator_axp_FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue_1074" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_1073" xlink:to="Locator_axp_FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue_1074" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:label="Locator_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_1075" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LiabilitiesCarriedAtOtherThanFairValueAbstract" xlink:label="Locator_axp_LiabilitiesCarriedAtOtherThanFairValueAbstract_1076" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_1075" xlink:to="Locator_axp_LiabilitiesCarriedAtOtherThanFairValueAbstract_1076" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LiabilitiesCarriedAtOtherThanFairValueAbstract" xlink:label="Locator_axp_LiabilitiesCarriedAtOtherThanFairValueAbstract_1077" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits" xlink:label="Locator_us-gaap_TimeDeposits_1078" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_LiabilitiesCarriedAtOtherThanFairValueAbstract_1077" xlink:to="Locator_us-gaap_TimeDeposits_1078" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LiabilitiesCarriedAtOtherThanFairValueAbstract" xlink:label="Locator_axp_LiabilitiesCarriedAtOtherThanFairValueAbstract_1079" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LongTermDebt" xlink:label="Locator_us-gaap_LongTermDebt_1080" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_LiabilitiesCarriedAtOtherThanFairValueAbstract_1079" xlink:to="Locator_us-gaap_LongTermDebt_1080" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:label="Locator_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_1081" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValuesTextualsAbstract" xlink:label="Locator_axp_FairValuesTextualsAbstract_1082" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_1081" xlink:to="Locator_axp_FairValuesTextualsAbstract_1082" order="3.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValuesTextualsAbstract" xlink:label="Locator_axp_FairValuesTextualsAbstract_1083" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNet" xlink:label="Locator_us-gaap_AccountsReceivableNet_1084" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_FairValuesTextualsAbstract_1083" xlink:to="Locator_us-gaap_AccountsReceivableNet_1084" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValuesTextualsAbstract" xlink:label="Locator_axp_FairValuesTextualsAbstract_1085" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmount_1086" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_FairValuesTextualsAbstract_1085" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmount_1086" order="2.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureCustomerDepositsDetails2">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementGeographicalAxis" xlink:label="Locator_us-gaap_StatementGeographicalAxis_1151" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentGeographicalDomain" xlink:label="Locator_us-gaap_SegmentGeographicalDomain_1152" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_StatementGeographicalAxis_1151" xlink:to="Locator_us-gaap_SegmentGeographicalDomain_1152" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementGeographicalAxis" xlink:label="Locator_us-gaap_StatementGeographicalAxis_1153" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentGeographicalDomain" xlink:label="Locator_us-gaap_SegmentGeographicalDomain_1154" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_StatementGeographicalAxis_1153" xlink:to="Locator_us-gaap_SegmentGeographicalDomain_1154" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentGeographicalDomain" xlink:label="Locator_us-gaap_SegmentGeographicalDomain_1155" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_UnitedStatesMember" xlink:label="Locator_axp_UnitedStatesMember_1156" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentGeographicalDomain_1155" xlink:to="Locator_axp_UnitedStatesMember_1156" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentGeographicalDomain" xlink:label="Locator_us-gaap_SegmentGeographicalDomain_1157" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NonUnitedStatesMember" xlink:label="Locator_axp_NonUnitedStatesMember_1158" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentGeographicalDomain_1157" xlink:to="Locator_axp_NonUnitedStatesMember_1158" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CertificateOfDepositsByLocationLineItems" xlink:label="Locator_axp_CertificateOfDepositsByLocationLineItems_1159" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CertificateOfDepositsByLocationTable" xlink:label="Locator_axp_CertificateOfDepositsByLocationTable_1160" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_axp_CertificateOfDepositsByLocationLineItems_1159" xlink:to="Locator_axp_CertificateOfDepositsByLocationTable_1160" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CertificateOfDepositsByLocationTable" xlink:label="Locator_axp_CertificateOfDepositsByLocationTable_1161" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementGeographicalAxis" xlink:label="Locator_us-gaap_StatementGeographicalAxis_1162" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_axp_CertificateOfDepositsByLocationTable_1161" xlink:to="Locator_us-gaap_StatementGeographicalAxis_1162" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CertificateOfDepositsByLocationLineItems" xlink:label="Locator_axp_CertificateOfDepositsByLocationLineItems_1163" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositsByMaturityAbstract" xlink:label="Locator_us-gaap_TimeDepositsByMaturityAbstract_1164" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_CertificateOfDepositsByLocationLineItems_1163" xlink:to="Locator_us-gaap_TimeDepositsByMaturityAbstract_1164" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositsByMaturityAbstract" xlink:label="Locator_us-gaap_TimeDepositsByMaturityAbstract_1165" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearOne" xlink:label="Locator_us-gaap_TimeDepositMaturitiesYearOne_1166" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_TimeDepositsByMaturityAbstract_1165" xlink:to="Locator_us-gaap_TimeDepositMaturitiesYearOne_1166" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositsByMaturityAbstract" xlink:label="Locator_us-gaap_TimeDepositsByMaturityAbstract_1167" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearTwo" xlink:label="Locator_us-gaap_TimeDepositMaturitiesYearTwo_1168" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_TimeDepositsByMaturityAbstract_1167" xlink:to="Locator_us-gaap_TimeDepositMaturitiesYearTwo_1168" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositsByMaturityAbstract" xlink:label="Locator_us-gaap_TimeDepositsByMaturityAbstract_1169" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearThree" xlink:label="Locator_us-gaap_TimeDepositMaturitiesYearThree_1170" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_TimeDepositsByMaturityAbstract_1169" xlink:to="Locator_us-gaap_TimeDepositMaturitiesYearThree_1170" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositsByMaturityAbstract" xlink:label="Locator_us-gaap_TimeDepositsByMaturityAbstract_1171" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFour" xlink:label="Locator_us-gaap_TimeDepositMaturitiesYearFour_1172" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_TimeDepositsByMaturityAbstract_1171" xlink:to="Locator_us-gaap_TimeDepositMaturitiesYearFour_1172" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositsByMaturityAbstract" xlink:label="Locator_us-gaap_TimeDepositsByMaturityAbstract_1173" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFive" xlink:label="Locator_us-gaap_TimeDepositMaturitiesYearFive_1174" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_TimeDepositsByMaturityAbstract_1173" xlink:to="Locator_us-gaap_TimeDepositMaturitiesYearFive_1174" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositsByMaturityAbstract" xlink:label="Locator_us-gaap_TimeDepositsByMaturityAbstract_1175" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:label="Locator_us-gaap_TimeDepositMaturitiesAfterYearFive_1176" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_TimeDepositsByMaturityAbstract_1175" xlink:to="Locator_us-gaap_TimeDepositMaturitiesAfterYearFive_1176" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositsByMaturityAbstract" xlink:label="Locator_us-gaap_TimeDepositsByMaturityAbstract_1177" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits" xlink:label="Locator_us-gaap_TimeDeposits_1178" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_TimeDepositsByMaturityAbstract_1177" xlink:to="Locator_us-gaap_TimeDeposits_1178" order="7.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetails1">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1277" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1278" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1277" xlink:to="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1278" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1279" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_1280" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1279" xlink:to="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_1280" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_1281" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1282" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_1281" xlink:to="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1282" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_1283" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1284" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_1283" xlink:to="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1284" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1285" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherInvestmentSecuritiesMember" xlink:label="Locator_axp_OtherInvestmentSecuritiesMember_1286" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1285" xlink:to="Locator_axp_OtherInvestmentSecuritiesMember_1286" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1287" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:label="Locator_us-gaap_USStatesAndPoliticalSubdivisionsMember_1288" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1287" xlink:to="Locator_us-gaap_USStatesAndPoliticalSubdivisionsMember_1288" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1289" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:label="Locator_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_1290" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1289" xlink:to="Locator_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_1290" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1291" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:label="Locator_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_1292" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1291" xlink:to="Locator_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_1292" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1293" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ForeignGovernmentDebtSecuritiesMember" xlink:label="Locator_us-gaap_ForeignGovernmentDebtSecuritiesMember_1294" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1293" xlink:to="Locator_us-gaap_ForeignGovernmentDebtSecuritiesMember_1294" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1295" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_1296" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1295" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_1296" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_1297" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_1298" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_1297" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_1298" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_1299" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_1300" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_1299" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_1300" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_1301" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_1302" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_1301" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_1302" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_1303" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_1304" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_1303" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_1304" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_1305" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses_1306" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_1305" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses_1306" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_1307" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses_1308" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_1307" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses_1308" order="2.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/GuaranteesDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsLineItems" xlink:label="Locator_us-gaap_GuaranteeObligationsLineItems_1407" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfGuaranteeObligationsTable" xlink:label="Locator_us-gaap_ScheduleOfGuaranteeObligationsTable_1408" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_GuaranteeObligationsLineItems_1407" xlink:to="Locator_us-gaap_ScheduleOfGuaranteeObligationsTable_1408" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfGuaranteeObligationsTable" xlink:label="Locator_us-gaap_ScheduleOfGuaranteeObligationsTable_1409" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsByNatureAxis" xlink:label="Locator_us-gaap_GuaranteeObligationsByNatureAxis_1410" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfGuaranteeObligationsTable_1409" xlink:to="Locator_us-gaap_GuaranteeObligationsByNatureAxis_1410" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsByNatureAxis" xlink:label="Locator_us-gaap_GuaranteeObligationsByNatureAxis_1411" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsNatureDomain" xlink:label="Locator_us-gaap_GuaranteeObligationsNatureDomain_1412" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_GuaranteeObligationsByNatureAxis_1411" xlink:to="Locator_us-gaap_GuaranteeObligationsNatureDomain_1412" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsByNatureAxis" xlink:label="Locator_us-gaap_GuaranteeObligationsByNatureAxis_1413" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsNatureDomain" xlink:label="Locator_us-gaap_GuaranteeObligationsNatureDomain_1414" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_GuaranteeObligationsByNatureAxis_1413" xlink:to="Locator_us-gaap_GuaranteeObligationsNatureDomain_1414" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsNatureDomain" xlink:label="Locator_us-gaap_GuaranteeObligationsNatureDomain_1415" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardAndTravelOperationsMember" xlink:label="Locator_axp_CardAndTravelOperationsMember_1416" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_GuaranteeObligationsNatureDomain_1415" xlink:to="Locator_axp_CardAndTravelOperationsMember_1416" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsNatureDomain" xlink:label="Locator_us-gaap_GuaranteeObligationsNatureDomain_1417" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeTypeOtherMember" xlink:label="Locator_us-gaap_GuaranteeTypeOtherMember_1418" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_GuaranteeObligationsNatureDomain_1417" xlink:to="Locator_us-gaap_GuaranteeTypeOtherMember_1418" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsLineItems" xlink:label="Locator_us-gaap_GuaranteeObligationsLineItems_1419" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GuaranteeObligationsLineItemsAbstract" xlink:label="Locator_axp_GuaranteeObligationsLineItemsAbstract_1420" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_GuaranteeObligationsLineItems_1419" xlink:to="Locator_axp_GuaranteeObligationsLineItemsAbstract_1420" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GuaranteeObligationsLineItemsAbstract" xlink:label="Locator_axp_GuaranteeObligationsLineItemsAbstract_1421" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfGuaranteeAbstract" xlink:label="Locator_axp_TypeOfGuaranteeAbstract_1422" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_GuaranteeObligationsLineItemsAbstract_1421" xlink:to="Locator_axp_TypeOfGuaranteeAbstract_1422" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfGuaranteeAbstract" xlink:label="Locator_axp_TypeOfGuaranteeAbstract_1423" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsMaximumExposure" xlink:label="Locator_us-gaap_GuaranteeObligationsMaximumExposure_1424" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_TypeOfGuaranteeAbstract_1423" xlink:to="Locator_us-gaap_GuaranteeObligationsMaximumExposure_1424" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfGuaranteeAbstract" xlink:label="Locator_axp_TypeOfGuaranteeAbstract_1425" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsCurrentCarryingValue" xlink:label="Locator_us-gaap_GuaranteeObligationsCurrentCarryingValue_1426" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_TypeOfGuaranteeAbstract_1425" xlink:to="Locator_us-gaap_GuaranteeObligationsCurrentCarryingValue_1426" order="2.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_1477" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_1478" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_DerivativeInstrumentRiskAxis_1477" xlink:to="Locator_us-gaap_DerivativeContractTypeDomain_1478" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_1529" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_1530" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_DerivativeInstrumentRiskAxis_1529" xlink:to="Locator_us-gaap_DerivativeContractTypeDomain_1530" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_1479" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestRateContractMember" xlink:label="Locator_us-gaap_InterestRateContractMember_1480" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_1479" xlink:to="Locator_us-gaap_InterestRateContractMember_1480" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_1481" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ForeignExchangeContractMember" xlink:label="Locator_us-gaap_ForeignExchangeContractMember_1482" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_1481" xlink:to="Locator_us-gaap_ForeignExchangeContractMember_1482" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_1483" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityContractMember" xlink:label="Locator_us-gaap_EquityContractMember_1484" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_1483" xlink:to="Locator_us-gaap_EquityContractMember_1484" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_1485" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TotalReturnSwapMember" xlink:label="Locator_us-gaap_TotalReturnSwapMember_1486" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_1485" xlink:to="Locator_us-gaap_TotalReturnSwapMember_1486" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_1469" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BalanceSheetLocationAxis" xlink:label="Locator_us-gaap_BalanceSheetLocationAxis_1470" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_1469" xlink:to="Locator_us-gaap_BalanceSheetLocationAxis_1470" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BalanceSheetLocationAxis" xlink:label="Locator_us-gaap_BalanceSheetLocationAxis_1487" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BalanceSheetLocationDomain" xlink:label="Locator_us-gaap_BalanceSheetLocationDomain_1488" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_BalanceSheetLocationAxis_1487" xlink:to="Locator_us-gaap_BalanceSheetLocationDomain_1488" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BalanceSheetLocationAxis" xlink:label="Locator_us-gaap_BalanceSheetLocationAxis_1531" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BalanceSheetLocationDomain" xlink:label="Locator_us-gaap_BalanceSheetLocationDomain_1532" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_BalanceSheetLocationAxis_1531" xlink:to="Locator_us-gaap_BalanceSheetLocationDomain_1532" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BalanceSheetLocationDomain" xlink:label="Locator_us-gaap_BalanceSheetLocationDomain_1489" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherAssetsMember" xlink:label="Locator_us-gaap_OtherAssetsMember_1490" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_BalanceSheetLocationDomain_1489" xlink:to="Locator_us-gaap_OtherAssetsMember_1490" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BalanceSheetLocationDomain" xlink:label="Locator_us-gaap_BalanceSheetLocationDomain_1491" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherLiabilitiesMember" xlink:label="Locator_us-gaap_OtherLiabilitiesMember_1492" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_BalanceSheetLocationDomain_1491" xlink:to="Locator_us-gaap_OtherLiabilitiesMember_1492" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_1471" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_1472" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_1471" xlink:to="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_1472" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_1493" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingRelationshipDomain" xlink:label="Locator_us-gaap_HedgingRelationshipDomain_1494" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_1493" xlink:to="Locator_us-gaap_HedgingRelationshipDomain_1494" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_1533" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingRelationshipDomain" xlink:label="Locator_us-gaap_HedgingRelationshipDomain_1534" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_1533" xlink:to="Locator_us-gaap_HedgingRelationshipDomain_1534" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingRelationshipDomain" xlink:label="Locator_us-gaap_HedgingRelationshipDomain_1495" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueHedgingMember" xlink:label="Locator_us-gaap_FairValueHedgingMember_1496" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_HedgingRelationshipDomain_1495" xlink:to="Locator_us-gaap_FairValueHedgingMember_1496" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingRelationshipDomain" xlink:label="Locator_us-gaap_HedgingRelationshipDomain_1497" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashFlowHedgingMember" xlink:label="Locator_us-gaap_CashFlowHedgingMember_1498" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_HedgingRelationshipDomain_1497" xlink:to="Locator_us-gaap_CashFlowHedgingMember_1498" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingRelationshipDomain" xlink:label="Locator_us-gaap_HedgingRelationshipDomain_1499" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetInvestmentHedgingMember" xlink:label="Locator_us-gaap_NetInvestmentHedgingMember_1500" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_HedgingRelationshipDomain_1499" xlink:to="Locator_us-gaap_NetInvestmentHedgingMember_1500" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_1473" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_1474" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_1473" xlink:to="Locator_us-gaap_DerivativeInstrumentRiskAxis_1474" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_1475" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingDesignationAxis" xlink:label="Locator_us-gaap_HedgingDesignationAxis_1476" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_1475" xlink:to="Locator_us-gaap_HedgingDesignationAxis_1476" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingDesignationAxis" xlink:label="Locator_us-gaap_HedgingDesignationAxis_1501" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingDesignationDomain" xlink:label="Locator_us-gaap_HedgingDesignationDomain_1502" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_HedgingDesignationAxis_1501" xlink:to="Locator_us-gaap_HedgingDesignationDomain_1502" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingDesignationAxis" xlink:label="Locator_us-gaap_HedgingDesignationAxis_1535" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingDesignationDomain" xlink:label="Locator_us-gaap_HedgingDesignationDomain_1536" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_HedgingDesignationAxis_1535" xlink:to="Locator_us-gaap_HedgingDesignationDomain_1536" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingDesignationDomain" xlink:label="Locator_us-gaap_HedgingDesignationDomain_1503" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DesignatedAsHedgingInstrumentMember" xlink:label="Locator_us-gaap_DesignatedAsHedgingInstrumentMember_1504" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_HedgingDesignationDomain_1503" xlink:to="Locator_us-gaap_DesignatedAsHedgingInstrumentMember_1504" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingDesignationDomain" xlink:label="Locator_us-gaap_HedgingDesignationDomain_1505" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NondesignatedMember" xlink:label="Locator_us-gaap_NondesignatedMember_1506" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_HedgingDesignationDomain_1505" xlink:to="Locator_us-gaap_NondesignatedMember_1506" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_1445" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OffsettingAssetsTable" xlink:label="Locator_us-gaap_OffsettingAssetsTable_1446" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_DerivativeLineItems_1445" xlink:to="Locator_us-gaap_OffsettingAssetsTable_1446" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OffsettingAssetsTable" xlink:label="Locator_us-gaap_OffsettingAssetsTable_1465" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CounterpartyNameAxis" xlink:label="Locator_us-gaap_CounterpartyNameAxis_1466" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_OffsettingAssetsTable_1465" xlink:to="Locator_us-gaap_CounterpartyNameAxis_1466" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CounterpartyNameAxis" xlink:label="Locator_us-gaap_CounterpartyNameAxis_1507" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepurchaseAgreementCounterpartyNameDomain" xlink:label="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_1508" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_CounterpartyNameAxis_1507" xlink:to="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_1508" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CounterpartyNameAxis" xlink:label="Locator_us-gaap_CounterpartyNameAxis_1537" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepurchaseAgreementCounterpartyNameDomain" xlink:label="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_1538" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_CounterpartyNameAxis_1537" xlink:to="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_1538" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepurchaseAgreementCounterpartyNameDomain" xlink:label="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_1509" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NotSoldOrRepledgedMember" xlink:label="Locator_axp_NotSoldOrRepledgedMember_1510" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_1509" xlink:to="Locator_axp_NotSoldOrRepledgedMember_1510" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepurchaseAgreementCounterpartyNameDomain" xlink:label="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_1511" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RiskExposureLowMember" xlink:label="Locator_axp_RiskExposureLowMember_1512" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_1511" xlink:to="Locator_axp_RiskExposureLowMember_1512" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepurchaseAgreementCounterpartyNameDomain" xlink:label="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_1513" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SignificantCounterpartiesMember" xlink:label="Locator_axp_SignificantCounterpartiesMember_1514" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_1513" xlink:to="Locator_axp_SignificantCounterpartiesMember_1514" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OffsettingAssetsTable" xlink:label="Locator_us-gaap_OffsettingAssetsTable_1467" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BalanceSheetLocationAxis" xlink:label="Locator_us-gaap_BalanceSheetLocationAxis_1468" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_OffsettingAssetsTable_1467" xlink:to="Locator_us-gaap_BalanceSheetLocationAxis_1468" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_1515" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValueOfSecuritiesReceivedAsCollateral" xlink:label="Locator_axp_FairValueOfSecuritiesReceivedAsCollateral_1516" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeLineItems_1515" xlink:to="Locator_axp_FairValueOfSecuritiesReceivedAsCollateral_1516" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_1517" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeAssets" xlink:label="Locator_us-gaap_DerivativeAssets_1518" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeLineItems_1517" xlink:to="Locator_us-gaap_DerivativeAssets_1518" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_1519" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLiabilities" xlink:label="Locator_us-gaap_DerivativeLiabilities_1520" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativeLineItems_1519" xlink:to="Locator_us-gaap_DerivativeLiabilities_1520" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativesFairValueLineItems" xlink:label="Locator_us-gaap_DerivativesFairValueLineItems_1455" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_1456" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_DerivativesFairValueLineItems_1455" xlink:to="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_1456" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativesFairValueLineItems" xlink:label="Locator_us-gaap_DerivativesFairValueLineItems_1521" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:label="Locator_us-gaap_DerivativeFairValueOfDerivativeAsset_1522" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativesFairValueLineItems_1521" xlink:to="Locator_us-gaap_DerivativeFairValueOfDerivativeAsset_1522" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativesFairValueLineItems" xlink:label="Locator_us-gaap_DerivativesFairValueLineItems_1523" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:label="Locator_us-gaap_DerivativeFairValueOfDerivativeLiability_1524" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativesFairValueLineItems_1523" xlink:to="Locator_us-gaap_DerivativeFairValueOfDerivativeLiability_1524" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativesFairValueLineItems" xlink:label="Locator_us-gaap_DerivativesFairValueLineItems_1525" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CashCollateralNetting" xlink:label="Locator_axp_CashCollateralNetting_1526" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativesFairValueLineItems_1525" xlink:to="Locator_axp_CashCollateralNetting_1526" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativesFairValueLineItems" xlink:label="Locator_us-gaap_DerivativesFairValueLineItems_1527" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativeAssetAndLiabilityNetting" xlink:label="Locator_axp_DerivativeAssetAndLiabilityNetting_1528" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DerivativesFairValueLineItems_1527" xlink:to="Locator_axp_DerivativeAssetAndLiabilityNetting_1528" order="4.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureCustomerDepositsDetails">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CustomerDepositsByTypeLineItems" xlink:label="Locator_axp_CustomerDepositsByTypeLineItems_1617" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmembercreditbalancesTable" xlink:label="Locator_axp_CardmembercreditbalancesTable_1618" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_axp_CustomerDepositsByTypeLineItems_1617" xlink:to="Locator_axp_CardmembercreditbalancesTable_1618" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmembercreditbalancesTable" xlink:label="Locator_axp_CardmembercreditbalancesTable_1619" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditBalancesAxis" xlink:label="Locator_axp_CreditBalancesAxis_1620" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_axp_CardmembercreditbalancesTable_1619" xlink:to="Locator_axp_CreditBalancesAxis_1620" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditBalancesAxis" xlink:label="Locator_axp_CreditBalancesAxis_1621" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberCreditBalancesDomain" xlink:label="Locator_axp_CardmemberCreditBalancesDomain_1622" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_axp_CreditBalancesAxis_1621" xlink:to="Locator_axp_CardmemberCreditBalancesDomain_1622" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditBalancesAxis" xlink:label="Locator_axp_CreditBalancesAxis_1623" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberCreditBalancesDomain" xlink:label="Locator_axp_CardmemberCreditBalancesDomain_1624" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_axp_CreditBalancesAxis_1623" xlink:to="Locator_axp_CardmemberCreditBalancesDomain_1624" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberCreditBalancesDomain" xlink:label="Locator_axp_CardmemberCreditBalancesDomain_1625" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberCreditBalancesMember" xlink:label="Locator_axp_CardmemberCreditBalancesMember_1626" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_CardmemberCreditBalancesDomain_1625" xlink:to="Locator_axp_CardmemberCreditBalancesMember_1626" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CustomerDepositsByTypeLineItems" xlink:label="Locator_axp_CustomerDepositsByTypeLineItems_1627" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsByComponentAlternativeAbstract" xlink:label="Locator_us-gaap_DepositsByComponentAlternativeAbstract_1628" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_CustomerDepositsByTypeLineItems_1627" xlink:to="Locator_us-gaap_DepositsByComponentAlternativeAbstract_1628" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsByComponentAlternativeAbstract" xlink:label="Locator_us-gaap_DepositsByComponentAlternativeAbstract_1629" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsDomesticAbstract" xlink:label="Locator_us-gaap_DepositsDomesticAbstract_1630" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DepositsByComponentAlternativeAbstract_1629" xlink:to="Locator_us-gaap_DepositsDomesticAbstract_1630" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsDomesticAbstract" xlink:label="Locator_us-gaap_DepositsDomesticAbstract_1631" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositLiabilitiesDomestic" xlink:label="Locator_us-gaap_InterestBearingDepositLiabilitiesDomestic_1632" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DepositsDomesticAbstract_1631" xlink:to="Locator_us-gaap_InterestBearingDepositLiabilitiesDomestic_1632" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsDomesticAbstract" xlink:label="Locator_us-gaap_DepositsDomesticAbstract_1633" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilitiesDomestic" xlink:label="Locator_us-gaap_NoninterestBearingDepositLiabilitiesDomestic_1634" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DepositsDomesticAbstract_1633" xlink:to="Locator_us-gaap_NoninterestBearingDepositLiabilitiesDomestic_1634" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsByComponentAlternativeAbstract" xlink:label="Locator_us-gaap_DepositsByComponentAlternativeAbstract_1635" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsForeignAbstract" xlink:label="Locator_us-gaap_DepositsForeignAbstract_1636" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DepositsByComponentAlternativeAbstract_1635" xlink:to="Locator_us-gaap_DepositsForeignAbstract_1636" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsForeignAbstract" xlink:label="Locator_us-gaap_DepositsForeignAbstract_1637" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositLiabilitiesForeign" xlink:label="Locator_us-gaap_InterestBearingDepositLiabilitiesForeign_1638" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DepositsForeignAbstract_1637" xlink:to="Locator_us-gaap_InterestBearingDepositLiabilitiesForeign_1638" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsForeignAbstract" xlink:label="Locator_us-gaap_DepositsForeignAbstract_1639" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilitiesForeign" xlink:label="Locator_us-gaap_NoninterestBearingDepositLiabilitiesForeign_1640" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DepositsForeignAbstract_1639" xlink:to="Locator_us-gaap_NoninterestBearingDepositLiabilitiesForeign_1640" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsByComponentAlternativeAbstract" xlink:label="Locator_us-gaap_DepositsByComponentAlternativeAbstract_1641" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:label="Locator_us-gaap_Deposits_1642" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_DepositsByComponentAlternativeAbstract_1641" xlink:to="Locator_us-gaap_Deposits_1642" order="3.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/FairValuesDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1687" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1688" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1687" xlink:to="Locator_us-gaap_AssetsAbstract_1688" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1689" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:label="Locator_us-gaap_InvestmentsAbstract_1690" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AssetsAbstract_1689" xlink:to="Locator_us-gaap_InvestmentsAbstract_1690" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:label="Locator_us-gaap_InvestmentsAbstract_1691" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesEquitySecurities" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesEquitySecurities_1692" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_InvestmentsAbstract_1691" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesEquitySecurities_1692" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:label="Locator_us-gaap_InvestmentsAbstract_1693" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther" xlink:label="Locator_axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther_1694" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_InvestmentsAbstract_1693" xlink:to="Locator_axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther_1694" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1695" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:label="Locator_us-gaap_DerivativeFairValueOfDerivativeAsset_1696" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AssetsAbstract_1695" xlink:to="Locator_us-gaap_DerivativeFairValueOfDerivativeAsset_1696" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1697" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsFairValueDisclosureRecurring" xlink:label="Locator_us-gaap_AssetsFairValueDisclosureRecurring_1698" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AssetsAbstract_1697" xlink:to="Locator_us-gaap_AssetsFairValueDisclosureRecurring_1698" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1699" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1700" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1699" xlink:to="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1700" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1701" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_1702" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1701" xlink:to="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_1702" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_1703" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1704" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_1703" xlink:to="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1704" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1705" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:label="Locator_us-gaap_FairValueInputsLevel1Member_1706" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1705" xlink:to="Locator_us-gaap_FairValueInputsLevel1Member_1706" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1707" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:label="Locator_us-gaap_FairValueInputsLevel2Member_1708" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1707" xlink:to="Locator_us-gaap_FairValueInputsLevel2Member_1708" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1709" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="Locator_us-gaap_FairValueInputsLevel3Member_1710" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1709" xlink:to="Locator_us-gaap_FairValueInputsLevel3Member_1710" order="3.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureEarningsPerCommonShareEPSDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems" xlink:label="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_1783" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable" xlink:label="Locator_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_1784" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_1783" xlink:to="Locator_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_1784" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable" xlink:label="Locator_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_1785" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis" xlink:label="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_1786" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_1785" xlink:to="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_1786" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis" xlink:label="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_1787" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesNameDomain" xlink:label="Locator_us-gaap_AntidilutiveSecuritiesNameDomain_1788" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_1787" xlink:to="Locator_us-gaap_AntidilutiveSecuritiesNameDomain_1788" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis" xlink:label="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_1789" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesNameDomain" xlink:label="Locator_us-gaap_AntidilutiveSecuritiesNameDomain_1790" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_1789" xlink:to="Locator_us-gaap_AntidilutiveSecuritiesNameDomain_1790" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesNameDomain" xlink:label="Locator_us-gaap_AntidilutiveSecuritiesNameDomain_1791" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockOptionMember" xlink:label="Locator_us-gaap_StockOptionMember_1792" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AntidilutiveSecuritiesNameDomain_1791" xlink:to="Locator_us-gaap_StockOptionMember_1792" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems" xlink:label="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_1793" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:label="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_1794" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_1793" xlink:to="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_1794" order="1.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/StatementConsolidatedBalanceSheetsParenthetical">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:label="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_2001" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:label="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_2002" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_2001" xlink:to="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_2002" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:label="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_2003" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:label="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_2004" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_2003" xlink:to="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_2004" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:label="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_2005" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:label="Locator_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_2006" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_2005" xlink:to="Locator_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_2006" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_2007" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract" xlink:label="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_2008" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AssetsAbstract_2007" xlink:to="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_2008" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract" xlink:label="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_2009" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResell" xlink:label="Locator_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_2010" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_2009" xlink:to="Locator_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_2010" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_2011" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNetAbstract" xlink:label="Locator_us-gaap_AccountsReceivableNetAbstract_2012" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AssetsAbstract_2011" xlink:to="Locator_us-gaap_AccountsReceivableNetAbstract_2012" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNetAbstract" xlink:label="Locator_us-gaap_AccountsReceivableNetAbstract_2013" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForDoubtfulAccountsReceivable" xlink:label="Locator_us-gaap_AllowanceForDoubtfulAccountsReceivable_2014" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AccountsReceivableNetAbstract_2013" xlink:to="Locator_us-gaap_AllowanceForDoubtfulAccountsReceivable_2014" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNetAbstract" xlink:label="Locator_us-gaap_AccountsReceivableNetAbstract_2015" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherReceivablesReserves" xlink:label="Locator_axp_OtherReceivablesReserves_2016" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AccountsReceivableNetAbstract_2015" xlink:to="Locator_axp_OtherReceivablesReserves_2016" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_2017" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_2018" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AssetsAbstract_2017" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_2018" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_2019" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableAllowance_2020" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_2019" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableAllowance_2020" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_2021" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableOtherAllowance" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableOtherAllowance_2022" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_2021" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableOtherAllowance_2022" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_2023" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:label="Locator_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_2024" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AssetsAbstract_2023" xlink:to="Locator_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_2024" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_2025" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalents" xlink:label="Locator_us-gaap_RestrictedCashAndCashEquivalents_2026" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AssetsAbstract_2025" xlink:to="Locator_us-gaap_RestrictedCashAndCashEquivalents_2026" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_2027" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:label="Locator_us-gaap_ScheduleOfVariableInterestEntitiesTable_2028" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_StatementLineItems_2027" xlink:to="Locator_us-gaap_ScheduleOfVariableInterestEntitiesTable_2028" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:label="Locator_us-gaap_ScheduleOfVariableInterestEntitiesTable_2029" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:label="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_2030" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfVariableInterestEntitiesTable_2029" xlink:to="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_2030" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_2031" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NotesReceivableGross" xlink:label="Locator_us-gaap_NotesReceivableGross_2032" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_StatementLineItems_2031" xlink:to="Locator_us-gaap_NotesReceivableGross_2032" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_2033" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard_2034" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_StatementLineItems_2033" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard_2034" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_2035" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherAssets" xlink:label="Locator_us-gaap_OtherAssets_2036" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_StatementLineItems_2035" xlink:to="Locator_us-gaap_OtherAssets_2036" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_2037" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermBorrowings" xlink:label="Locator_us-gaap_ShortTermBorrowings_2038" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_StatementLineItems_2037" xlink:to="Locator_us-gaap_ShortTermBorrowings_2038" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_2039" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LongTermDebt" xlink:label="Locator_us-gaap_LongTermDebt_2040" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_StatementLineItems_2039" xlink:to="Locator_us-gaap_LongTermDebt_2040" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_2041" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_2042" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_StatementLineItems_2041" xlink:to="Locator_us-gaap_AssetsAbstract_2042" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_2043" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:label="Locator_us-gaap_CommonStockParOrStatedValuePerShare_2044" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_StatementLineItems_2043" xlink:to="Locator_us-gaap_CommonStockParOrStatedValuePerShare_2044" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_2045" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:label="Locator_us-gaap_CommonStockSharesAuthorized_2046" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_StatementLineItems_2045" xlink:to="Locator_us-gaap_CommonStockSharesAuthorized_2046" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_2047" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:label="Locator_us-gaap_CommonStockSharesIssued_2048" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_StatementLineItems_2047" xlink:to="Locator_us-gaap_CommonStockSharesIssued_2048" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_2049" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesOutstanding" xlink:label="Locator_us-gaap_CommonStockSharesOutstanding_2050" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_StatementLineItems_2049" xlink:to="Locator_us-gaap_CommonStockSharesOutstanding_2050" order="10.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_2051" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="Locator_us-gaap_StockholdersEquityAbstract_2052" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_StatementLineItems_2051" xlink:to="Locator_us-gaap_StockholdersEquityAbstract_2052" order="11.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="Locator_us-gaap_StockholdersEquityAbstract_2053" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_2054" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_StockholdersEquityAbstract_2053" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_2054" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_2055" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:label="Locator_axp_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_2056" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_2055" xlink:to="Locator_axp_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_2056" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_2057" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccumulatedOtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesTax" xlink:label="Locator_axp_AccumulatedOtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesTax_2058" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_2057" xlink:to="Locator_axp_AccumulatedOtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesTax_2058" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_2059" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax" xlink:label="Locator_axp_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax_2060" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_2059" xlink:to="Locator_axp_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax_2060" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_2061" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansTax" xlink:label="Locator_axp_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansTax_2062" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_2061" xlink:to="Locator_axp_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansTax_2062" order="4.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2415" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract_2416" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2415" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract_2416" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract_2417" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesAmortizedCost_2418" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract_2417" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesAmortizedCost_2418" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract_2419" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains_2420" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract_2419" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains_2420" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract_2421" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss_2422" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract_2421" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss_2422" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract_2423" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:label="Locator_us-gaap_AvailableForSaleSecurities_2424" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract_2423" xlink:to="Locator_us-gaap_AvailableForSaleSecurities_2424" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2425" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2426" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2425" xlink:to="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2426" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2427" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_2428" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2427" xlink:to="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_2428" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_2429" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2430" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_2429" xlink:to="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2430" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2431" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:label="Locator_us-gaap_USStatesAndPoliticalSubdivisionsMember_2432" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2431" xlink:to="Locator_us-gaap_USStatesAndPoliticalSubdivisionsMember_2432" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2433" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:label="Locator_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_2434" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2433" xlink:to="Locator_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_2434" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2435" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USTreasurySecuritiesMember" xlink:label="Locator_us-gaap_USTreasurySecuritiesMember_2436" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2435" xlink:to="Locator_us-gaap_USTreasurySecuritiesMember_2436" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2437" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateDebtSecuritiesMember" xlink:label="Locator_us-gaap_CorporateDebtSecuritiesMember_2438" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2437" xlink:to="Locator_us-gaap_CorporateDebtSecuritiesMember_2438" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2439" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:label="Locator_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_2440" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2439" xlink:to="Locator_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_2440" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2441" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquitySecuritiesMember" xlink:label="Locator_us-gaap_EquitySecuritiesMember_2442" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2441" xlink:to="Locator_us-gaap_EquitySecuritiesMember_2442" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2443" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ForeignGovernmentDebtSecuritiesMember" xlink:label="Locator_us-gaap_ForeignGovernmentDebtSecuritiesMember_2444" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2443" xlink:to="Locator_us-gaap_ForeignGovernmentDebtSecuritiesMember_2444" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2445" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AvailabeForSaleSecuritiesOtherMember" xlink:label="Locator_axp_AvailabeForSaleSecuritiesOtherMember_2446" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2445" xlink:to="Locator_axp_AvailabeForSaleSecuritiesOtherMember_2446" order="8.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureChangesInAccumulatedOtherComprehensiveLossIncomeDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_2479" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_2480" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_2479" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_2480" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_2499" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="Locator_us-gaap_StatementEquityComponentsAxis_2500" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_2499" xlink:to="Locator_us-gaap_StatementEquityComponentsAxis_2500" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="Locator_us-gaap_StatementEquityComponentsAxis_2501" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_2502" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_StatementEquityComponentsAxis_2501" xlink:to="Locator_us-gaap_EquityComponentDomain_2502" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="Locator_us-gaap_StatementEquityComponentsAxis_2529" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_2530" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_StatementEquityComponentsAxis_2529" xlink:to="Locator_us-gaap_EquityComponentDomain_2530" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_2511" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" xlink:label="Locator_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember_2512" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_EquityComponentDomain_2511" xlink:to="Locator_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember_2512" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_2505" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:label="Locator_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_2506" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_EquityComponentDomain_2505" xlink:to="Locator_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_2506" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_2507" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedNetGainLossFromDesignatedOrQualifyingCashFlowHedgesMember" xlink:label="Locator_us-gaap_AccumulatedNetGainLossFromDesignatedOrQualifyingCashFlowHedgesMember_2508" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_EquityComponentDomain_2507" xlink:to="Locator_us-gaap_AccumulatedNetGainLossFromDesignatedOrQualifyingCashFlowHedgesMember_2508" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_2509" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedTranslationAdjustmentMember" xlink:label="Locator_us-gaap_AccumulatedTranslationAdjustmentMember_2510" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_EquityComponentDomain_2509" xlink:to="Locator_us-gaap_AccumulatedTranslationAdjustmentMember_2510" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_2503" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeMember_2504" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_EquityComponentDomain_2503" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeMember_2504" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_2513" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2514" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_2513" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2514" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2515" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_2516" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2515" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_2516" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2517" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax" xlink:label="Locator_axp_OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax_2518" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2517" xlink:to="Locator_axp_OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax_2518" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2519" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax" xlink:label="Locator_axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax_2520" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2519" xlink:to="Locator_axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax_2520" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2521" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease" xlink:label="Locator_axp_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease_2522" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2521" xlink:to="Locator_axp_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease_2522" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2523" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax" xlink:label="Locator_axp_OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax_2524" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2523" xlink:to="Locator_axp_OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax_2524" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2525" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent_2526" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2525" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent_2526" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2527" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeNetChangeNetOfTax" xlink:label="Locator_axp_OtherComprehensiveIncomeNetChangeNetOfTax_2528" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2527" xlink:to="Locator_axp_OtherComprehensiveIncomeNetChangeNetOfTax_2528" order="7.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetails2">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2593" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2594" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2593" xlink:to="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2594" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2595" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostAxis" xlink:label="Locator_axp_RatioOfFairValueToAmortizedCostAxis_2596" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2595" xlink:to="Locator_axp_RatioOfFairValueToAmortizedCostAxis_2596" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostAxis" xlink:label="Locator_axp_RatioOfFairValueToAmortizedCostAxis_2597" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostDomain" xlink:label="Locator_axp_RatioOfFairValueToAmortizedCostDomain_2598" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_axp_RatioOfFairValueToAmortizedCostAxis_2597" xlink:to="Locator_axp_RatioOfFairValueToAmortizedCostDomain_2598" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostAxis" xlink:label="Locator_axp_RatioOfFairValueToAmortizedCostAxis_2599" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostDomain" xlink:label="Locator_axp_RatioOfFairValueToAmortizedCostDomain_2600" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_axp_RatioOfFairValueToAmortizedCostAxis_2599" xlink:to="Locator_axp_RatioOfFairValueToAmortizedCostDomain_2600" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostDomain" xlink:label="Locator_axp_RatioOfFairValueToAmortizedCostDomain_2601" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" xlink:label="Locator_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember_2602" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_RatioOfFairValueToAmortizedCostDomain_2601" xlink:to="Locator_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember_2602" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostDomain" xlink:label="Locator_axp_RatioOfFairValueToAmortizedCostDomain_2603" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember" xlink:label="Locator_axp_RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember_2604" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_RatioOfFairValueToAmortizedCostDomain_2603" xlink:to="Locator_axp_RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember_2604" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2605" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_2606" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2605" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_2606" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_2607" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract_2608" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_2607" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract_2608" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract_2609" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear_2610" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract_2609" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear_2610" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract_2611" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear" xlink:label="Locator_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear_2612" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract_2611" xlink:to="Locator_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear_2612" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract_2613" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1" xlink:label="Locator_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1_2614" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract_2613" xlink:to="Locator_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1_2614" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_2615" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2616" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_2615" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2616" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2617" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_2618" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2617" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_2618" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2619" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_2620" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2619" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_2620" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2621" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_2622" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2621" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_2622" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_2623" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2624" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_2623" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2624" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2625" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses_2626" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2625" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses_2626" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2627" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses_2628" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2627" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses_2628" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2629" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses_2630" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2629" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses_2630" order="3.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/StatementConsolidatedStatementsOfCashFlowsParenthetical">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchangeLineItems" xlink:label="Locator_axp_IncreaseDecreaseInDebtExchangeLineItems_2663" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchangeTable" xlink:label="Locator_axp_IncreaseDecreaseInDebtExchangeTable_2664" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_axp_IncreaseDecreaseInDebtExchangeLineItems_2663" xlink:to="Locator_axp_IncreaseDecreaseInDebtExchangeTable_2664" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchangeTable" xlink:label="Locator_axp_IncreaseDecreaseInDebtExchangeTable_2665" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchangeAxis" xlink:label="Locator_axp_IncreaseDecreaseInDebtExchangeAxis_2666" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_axp_IncreaseDecreaseInDebtExchangeTable_2665" xlink:to="Locator_axp_IncreaseDecreaseInDebtExchangeAxis_2666" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchangeAxis" xlink:label="Locator_axp_IncreaseDecreaseInDebtExchangeAxis_2667" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ImpactOfDebtExchangeOnLongTermDebtDomain" xlink:label="Locator_axp_ImpactOfDebtExchangeOnLongTermDebtDomain_2668" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_axp_IncreaseDecreaseInDebtExchangeAxis_2667" xlink:to="Locator_axp_ImpactOfDebtExchangeOnLongTermDebtDomain_2668" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchangeAxis" xlink:label="Locator_axp_IncreaseDecreaseInDebtExchangeAxis_2669" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ImpactOfDebtExchangeOnLongTermDebtDomain" xlink:label="Locator_axp_ImpactOfDebtExchangeOnLongTermDebtDomain_2670" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_axp_IncreaseDecreaseInDebtExchangeAxis_2669" xlink:to="Locator_axp_ImpactOfDebtExchangeOnLongTermDebtDomain_2670" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ImpactOfDebtExchangeOnLongTermDebtDomain" xlink:label="Locator_axp_ImpactOfDebtExchangeOnLongTermDebtDomain_2671" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NonCashMember" xlink:label="Locator_axp_NonCashMember_2672" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_ImpactOfDebtExchangeOnLongTermDebtDomain_2671" xlink:to="Locator_axp_NonCashMember_2672" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchangeLineItems" xlink:label="Locator_axp_IncreaseDecreaseInDebtExchangeLineItems_2673" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LongTermDebtImpactDueToDebtExchange" xlink:label="Locator_axp_LongTermDebtImpactDueToDebtExchange_2674" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_IncreaseDecreaseInDebtExchangeLineItems_2673" xlink:to="Locator_axp_LongTermDebtImpactDueToDebtExchange_2674" order="1.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/FairValuesDetailsTextuals">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_2689" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_2690" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_2689" xlink:to="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_2690" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_2691" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:label="Locator_us-gaap_FairValueByMeasurementFrequencyAxis_2692" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_2691" xlink:to="Locator_us-gaap_FairValueByMeasurementFrequencyAxis_2692" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:label="Locator_us-gaap_FairValueByMeasurementFrequencyAxis_2693" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementFrequencyDomain_2694" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_FairValueByMeasurementFrequencyAxis_2693" xlink:to="Locator_us-gaap_FairValueMeasurementFrequencyDomain_2694" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:label="Locator_us-gaap_FairValueByMeasurementFrequencyAxis_2695" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementFrequencyDomain_2696" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_FairValueByMeasurementFrequencyAxis_2695" xlink:to="Locator_us-gaap_FairValueMeasurementFrequencyDomain_2696" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementFrequencyDomain_2697" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsNonrecurringMember" xlink:label="Locator_us-gaap_FairValueMeasurementsNonrecurringMember_2698" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FairValueMeasurementFrequencyDomain_2697" xlink:to="Locator_us-gaap_FairValueMeasurementsNonrecurringMember_2698" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_2699" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsFairValueDisclosure" xlink:label="Locator_us-gaap_AssetsFairValueDisclosure_2700" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_2699" xlink:to="Locator_us-gaap_AssetsFairValueDisclosure_2700" order="1.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/FairValuesDetails1">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_2719" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_2720" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_2719" xlink:to="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_2720" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_2721" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_2722" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_2721" xlink:to="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_2722" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_2723" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_2724" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_2723" xlink:to="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_2724" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_2725" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_2726" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_2725" xlink:to="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_2726" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_2727" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:label="Locator_us-gaap_FairValueInputsLevel1Member_2728" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_2727" xlink:to="Locator_us-gaap_FairValueInputsLevel1Member_2728" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_2729" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:label="Locator_us-gaap_FairValueInputsLevel2Member_2730" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_2729" xlink:to="Locator_us-gaap_FairValueInputsLevel2Member_2730" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_2731" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="Locator_us-gaap_FairValueInputsLevel3Member_2732" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_2731" xlink:to="Locator_us-gaap_FairValueInputsLevel3Member_2732" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_2733" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_2734" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_2733" xlink:to="Locator_us-gaap_LiabilitiesAbstract_2734" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_2735" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:label="Locator_us-gaap_DerivativeFairValueOfDerivativeLiability_2736" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_LiabilitiesAbstract_2735" xlink:to="Locator_us-gaap_DerivativeFairValueOfDerivativeLiability_2736" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_2737" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosureRecurring" xlink:label="Locator_us-gaap_LiabilitiesFairValueDisclosureRecurring_2738" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_LiabilitiesAbstract_2737" xlink:to="Locator_us-gaap_LiabilitiesFairValueDisclosureRecurring_2738" order="2.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/AccountsReceivableAndLoansDetails6">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_2765" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_2766" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_StatementBusinessSegmentsAxis_2765" xlink:to="Locator_us-gaap_SegmentDomain_2766" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_2767" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_USCardServicesMember" xlink:label="Locator_axp_USCardServicesMember_2768" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_2767" xlink:to="Locator_axp_USCardServicesMember_2768" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_2769" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InternationalCardServicesMember" xlink:label="Locator_axp_InternationalCardServicesMember_2770" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_2769" xlink:to="Locator_axp_InternationalCardServicesMember_2770" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_2771" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsNumberOfContracts2" xlink:label="Locator_us-gaap_FinancingReceivableModificationsNumberOfContracts2_2772" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableModificationsLineItems_2771" xlink:to="Locator_us-gaap_FinancingReceivableModificationsNumberOfContracts2_2772" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_2773" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:label="Locator_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_2774" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableModificationsLineItems_2773" xlink:to="Locator_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_2774" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_2775" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AverageInterestRateReductionByClassOfCardmemberLoan" xlink:label="Locator_axp_AverageInterestRateReductionByClassOfCardmemberLoan_2776" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableModificationsLineItems_2775" xlink:to="Locator_axp_AverageInterestRateReductionByClassOfCardmemberLoan_2776" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_2777" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AveragePaymentTermExtension" xlink:label="Locator_axp_AveragePaymentTermExtension_2778" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableModificationsLineItems_2777" xlink:to="Locator_axp_AveragePaymentTermExtension_2778" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_2779" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2780" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_FinancingReceivableModificationsLineItems_2779" xlink:to="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2780" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2781" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:label="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_2782" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2781" xlink:to="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_2782" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:label="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_2783" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:label="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2784" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_2783" xlink:to="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2784" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:label="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2785" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansMember" xlink:label="Locator_axp_CardmemberLoansMember_2786" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2785" xlink:to="Locator_axp_CardmemberLoansMember_2786" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:label="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2787" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberReceivablesMember" xlink:label="Locator_axp_CardmemberReceivablesMember_2788" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2787" xlink:to="Locator_axp_CardmemberReceivablesMember_2788" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2789" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_2790" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2789" xlink:to="Locator_us-gaap_StatementBusinessSegmentsAxis_2790" order="2.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/AccountsReceivableAndLoansDetails7">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_2815" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_2816" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_StatementBusinessSegmentsAxis_2815" xlink:to="Locator_us-gaap_SegmentDomain_2816" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_2817" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_USCardServicesMember" xlink:label="Locator_axp_USCardServicesMember_2818" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_2817" xlink:to="Locator_axp_USCardServicesMember_2818" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_2819" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InternationalCardServicesMember" xlink:label="Locator_axp_InternationalCardServicesMember_2820" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_2819" xlink:to="Locator_axp_InternationalCardServicesMember_2820" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_2821" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2822" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_FinancingReceivableModificationsLineItems_2821" xlink:to="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2822" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2823" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:label="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_2824" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2823" xlink:to="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_2824" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:label="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_2825" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:label="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2826" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_2825" xlink:to="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2826" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:label="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_2827" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:label="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2828" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_2827" xlink:to="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2828" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:label="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2829" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansMember" xlink:label="Locator_axp_CardmemberLoansMember_2830" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2829" xlink:to="Locator_axp_CardmemberLoansMember_2830" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:label="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2831" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberReceivablesMember" xlink:label="Locator_axp_CardmemberReceivablesMember_2832" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2831" xlink:to="Locator_axp_CardmemberReceivablesMember_2832" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2833" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_2834" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2833" xlink:to="Locator_us-gaap_StatementBusinessSegmentsAxis_2834" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_2835" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1" xlink:label="Locator_us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1_2836" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableModificationsLineItems_2835" xlink:to="Locator_us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1_2836" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_2837" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" xlink:label="Locator_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1_2838" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableModificationsLineItems_2837" xlink:to="Locator_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1_2838" order="2.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureReservesForLossesDetailsTextuals">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2911" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2912" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2911" xlink:to="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2912" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2913" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_2914" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2913" xlink:to="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_2914" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_2915" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_2916" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_2915" xlink:to="Locator_us-gaap_ReceivableTypeDomain_2916" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_2917" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_2918" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_2917" xlink:to="Locator_us-gaap_ReceivableTypeDomain_2918" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_2919" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_UnauthorizedtransactionsmemberMember" xlink:label="Locator_axp_UnauthorizedtransactionsmemberMember_2920" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_ReceivableTypeDomain_2919" xlink:to="Locator_axp_UnauthorizedtransactionsmemberMember_2920" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_2921" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ForeigncurrencytranslationadjustmentsmemberMember" xlink:label="Locator_axp_ForeigncurrencytranslationadjustmentsmemberMember_2922" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_ReceivableTypeDomain_2921" xlink:to="Locator_axp_ForeigncurrencytranslationadjustmentsmemberMember_2922" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_2923" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberbankruptcyreservesmemberMember" xlink:label="Locator_axp_CardmemberbankruptcyreservesmemberMember_2924" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_ReceivableTypeDomain_2923" xlink:to="Locator_axp_CardmemberbankruptcyreservesmemberMember_2924" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_2925" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtheritemsmemberMember" xlink:label="Locator_axp_OtheritemsmemberMember_2926" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_ReceivableTypeDomain_2925" xlink:to="Locator_axp_OtheritemsmemberMember_2926" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2927" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther" xlink:label="Locator_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther_2928" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2927" xlink:to="Locator_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther_2928" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2929" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther" xlink:label="Locator_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther_2930" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2929" xlink:to="Locator_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther_2930" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2931" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ValuationAllowancesAndReservesRecoveries" xlink:label="Locator_us-gaap_ValuationAllowancesAndReservesRecoveries_2932" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2931" xlink:to="Locator_us-gaap_ValuationAllowancesAndReservesRecoveries_2932" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2933" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts" xlink:label="Locator_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts_2934" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2933" xlink:to="Locator_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts_2934" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2935" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AllowanceForReceivablesRecoveriesOfBadDebtsTDR" xlink:label="Locator_axp_AllowanceForReceivablesRecoveriesOfBadDebtsTDR_2936" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2935" xlink:to="Locator_axp_AllowanceForReceivablesRecoveriesOfBadDebtsTDR_2936" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2937" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AllowanceForLoansRecoveriesOfBadDebtsTDR" xlink:label="Locator_axp_AllowanceForLoansRecoveriesOfBadDebtsTDR_2938" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2937" xlink:to="Locator_axp_AllowanceForLoansRecoveriesOfBadDebtsTDR_2938" order="6.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureChangesInAccumulatedOtherComprehensiveLossIncomeDetails1">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="Locator_us-gaap_StatementEquityComponentsAxis_2975" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_2976" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_StatementEquityComponentsAxis_2975" xlink:to="Locator_us-gaap_EquityComponentDomain_2976" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_2977" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:label="Locator_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_2978" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_EquityComponentDomain_2977" xlink:to="Locator_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_2978" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_2979" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedNetGainLossFromDesignatedOrQualifyingCashFlowHedgesMember" xlink:label="Locator_us-gaap_AccumulatedNetGainLossFromDesignatedOrQualifyingCashFlowHedgesMember_2980" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_EquityComponentDomain_2979" xlink:to="Locator_us-gaap_AccumulatedNetGainLossFromDesignatedOrQualifyingCashFlowHedgesMember_2980" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_2981" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedTranslationAdjustmentMember" xlink:label="Locator_us-gaap_AccumulatedTranslationAdjustmentMember_2982" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_EquityComponentDomain_2981" xlink:to="Locator_us-gaap_AccumulatedTranslationAdjustmentMember_2982" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_2983" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeMember_2984" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_EquityComponentDomain_2983" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeMember_2984" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2985" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_2986" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2985" xlink:to="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_2986" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_2987" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_2988" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_2987" xlink:to="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_2988" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_2989" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_2990" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_2989" xlink:to="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_2990" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_2991" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_2992" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_2991" xlink:to="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_2992" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_2993" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_2994" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_2993" xlink:to="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_2994" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_2995" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="Locator_us-gaap_StatementEquityComponentsAxis_2996" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_2995" xlink:to="Locator_us-gaap_StatementEquityComponentsAxis_2996" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2997" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:label="Locator_us-gaap_NoninterestIncomeOtherOperatingIncome_2998" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2997" xlink:to="Locator_us-gaap_NoninterestIncomeOtherOperatingIncome_2998" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2999" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NoninterestIncomeOtherOperatingIncomeTax" xlink:label="Locator_axp_NoninterestIncomeOtherOperatingIncomeTax_3000" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2999" xlink:to="Locator_axp_NoninterestIncomeOtherOperatingIncomeTax_3000" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_3001" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NoninterestIncomeOtherOperatingIncomeNet" xlink:label="Locator_axp_NoninterestIncomeOtherOperatingIncomeNet_3002" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_3001" xlink:to="Locator_axp_NoninterestIncomeOtherOperatingIncomeNet_3002" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_3003" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseLongTermDebt" xlink:label="Locator_us-gaap_InterestExpenseLongTermDebt_3004" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_3003" xlink:to="Locator_us-gaap_InterestExpenseLongTermDebt_3004" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_3005" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InterestExpenseLongTermDebtTax" xlink:label="Locator_axp_InterestExpenseLongTermDebtTax_3006" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_3005" xlink:to="Locator_axp_InterestExpenseLongTermDebtTax_3006" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_3007" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InterestExpenseLongTermDebtNet" xlink:label="Locator_axp_InterestExpenseLongTermDebtNet_3008" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_3007" xlink:to="Locator_axp_InterestExpenseLongTermDebtNet_3008" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_3009" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="Locator_us-gaap_OtherNoninterestExpense_3010" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_3009" xlink:to="Locator_us-gaap_OtherNoninterestExpense_3010" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_3011" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherNoninterestExpenseTax" xlink:label="Locator_axp_OtherNoninterestExpenseTax_3012" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_3011" xlink:to="Locator_axp_OtherNoninterestExpenseTax_3012" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_3013" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherNoninterestExpenseNet" xlink:label="Locator_axp_OtherNoninterestExpenseNet_3014" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_3013" xlink:to="Locator_axp_OtherNoninterestExpenseNet_3014" order="9.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_3015" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax" xlink:label="Locator_axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax_3016" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_3015" xlink:to="Locator_axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax_3016" order="10.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/AssetSecuritizationsDetails">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SecuritizedTrustsTable" xlink:label="Locator_axp_SecuritizedTrustsTable_3043" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:label="Locator_dei_LegalEntityAxis_3044" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_axp_SecuritizedTrustsTable_3043" xlink:to="Locator_dei_LegalEntityAxis_3044" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:label="Locator_dei_LegalEntityAxis_3045" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:label="Locator_dei_EntityDomain_3046" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_dei_LegalEntityAxis_3045" xlink:to="Locator_dei_EntityDomain_3046" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:label="Locator_dei_EntityDomain_3047" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AmericanExpressChargeTrustMember" xlink:label="Locator_axp_AmericanExpressChargeTrustMember_3048" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_dei_EntityDomain_3047" xlink:to="Locator_axp_AmericanExpressChargeTrustMember_3048" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:label="Locator_dei_EntityDomain_3049" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AmericanExpressLendingTrustMember" xlink:label="Locator_axp_AmericanExpressLendingTrustMember_3050" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_dei_EntityDomain_3049" xlink:to="Locator_axp_AmericanExpressLendingTrustMember_3050" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetsFromTrustsLineItems" xlink:label="Locator_axp_AssetsFromTrustsLineItems_3051" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SecuritizedTrustsTable" xlink:label="Locator_axp_SecuritizedTrustsTable_3052" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_axp_AssetsFromTrustsLineItems_3051" xlink:to="Locator_axp_SecuritizedTrustsTable_3052" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetsFromTrustsLineItems" xlink:label="Locator_axp_AssetsFromTrustsLineItems_3053" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalents" xlink:label="Locator_us-gaap_RestrictedCashAndCashEquivalents_3054" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_axp_AssetsFromTrustsLineItems_3053" xlink:to="Locator_us-gaap_RestrictedCashAndCashEquivalents_3054" order="1.0" />
    </definitionLink>
    <definitionLink xlink:type="extended" xlink:role="http://americanexpress.com/role/AccountsReceivableAndLoansDetails5">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3085" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_3086" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3085" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_3086" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_3087" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansMember" xlink:label="Locator_axp_CardmemberLoansMember_3088" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_3087" xlink:to="Locator_axp_CardmemberLoansMember_3088" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_3089" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberReceivablesMember" xlink:label="Locator_axp_CardmemberReceivablesMember_3090" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_3089" xlink:to="Locator_axp_CardmemberReceivablesMember_3090" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_3091" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_3092" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="Locator_us-gaap_StatementBusinessSegmentsAxis_3091" xlink:to="Locator_us-gaap_SegmentDomain_3092" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_3093" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_USCardServicesMember" xlink:label="Locator_axp_USCardServicesMember_3094" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_3093" xlink:to="Locator_axp_USCardServicesMember_3094" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_3095" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InternationalCardServicesMember" xlink:label="Locator_axp_InternationalCardServicesMember_3096" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_SegmentDomain_3095" xlink:to="Locator_axp_InternationalCardServicesMember_3096" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems" xlink:label="Locator_us-gaap_FinancingReceivableImpairedLineItems_3097" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_3098" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="Locator_us-gaap_FinancingReceivableImpairedLineItems_3097" xlink:to="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_3098" order="-1.0" xbrldt:contextElement="segment" xbrldt:closed="true" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_3099" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_3100" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_3099" xlink:to="Locator_us-gaap_StatementBusinessSegmentsAxis_3100" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_3101" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3102" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_3101" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3102" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems" xlink:label="Locator_us-gaap_FinancingReceivableImpairedLineItems_3103" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment_3104" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableImpairedLineItems_3103" xlink:to="Locator_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment_3104" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems" xlink:label="Locator_us-gaap_FinancingReceivableImpairedLineItems_3105" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod_3106" />
        <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="Locator_us-gaap_FinancingReceivableImpairedLineItems_3105" xlink:to="Locator_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod_3106" order="2.0" />
    </definitionLink>
</linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>11
<FILENAME>axp-20140930_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>
<!-- Prepared by IBM Cognos Disclosure Management XBRL Version: 10.2.3 Using Fujitsu -->
<!-- Validation status: Passed -->
<linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/instance http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" xmlns="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink">
    <roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" />
    <roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" />
    <roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" />
    <labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1" xlink:label="element1" />
        <label xlink:type="resource" xlink:label="label1" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1_en-US">Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1" xlink:to="label1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1" xlink:label="element2" />
        <label xlink:type="resource" xlink:label="label2" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1_en-US">Number of securities, total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element2" xlink:to="label2" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear" xlink:label="element3" />
        <label xlink:type="resource" xlink:label="label3" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear_en-US">Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Greater than or Equal to One Year</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element3" xlink:to="label3" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear" xlink:label="element4" />
        <label xlink:type="resource" xlink:label="label4" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear_en-US">Number of securities, 12 months or more</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element4" xlink:to="label4" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="element5" />
        <label xlink:type="resource" xlink:label="label5" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_en-US">Accounts, Notes, Loans and Financing Receivable by Receivable Type [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element5" xlink:to="label5" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis" xlink:label="element6" />
        <label xlink:type="resource" xlink:label="label6" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_en-US">Accounts, Notes, Loans and Financing Receivable by Industry of Counterparty, Type [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element6" xlink:to="label6" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNet" xlink:label="element7" />
        <label xlink:type="resource" xlink:label="label7" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_AccountsReceivableNet_en-US">Card Member receivables, net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element7" xlink:to="label7" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNet" xlink:label="element8" />
        <label xlink:type="resource" xlink:label="label8" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AccountsReceivableNet_en-US">Accounts receivable, less reserves</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element8" xlink:to="label8" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNet" xlink:label="element9" />
        <label xlink:type="resource" xlink:label="label9" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_AccountsReceivableNet_en-US">Card Member receivables (includes gross receivables available to settle obligations of a consolidated variable interest entity), less reserves</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element9" xlink:to="label9" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNet" xlink:label="element10" />
        <label xlink:type="resource" xlink:label="label10" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AccountsReceivableNet_en-US">Accounts Receivable, Net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element10" xlink:to="label10" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="element11" />
        <label xlink:type="resource" xlink:label="label11" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AccountsNotesAndLoansReceivableLineItems_en-US">Accounts Receivables [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element11" xlink:to="label11" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="element12" />
        <label xlink:type="resource" xlink:label="label12" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_AccountsNotesAndLoansReceivableLineItems_en-US">Loans [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element12" xlink:to="label12" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="element13" />
        <label xlink:type="resource" xlink:label="label13" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AccountsNotesAndLoansReceivableLineItems_en-US">Accounts, Notes, Loans and Financing Receivable [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element13" xlink:to="label13" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsPayableCurrentAndNoncurrent" xlink:label="element14" />
        <label xlink:type="resource" xlink:label="label14" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AccountsPayableCurrentAndNoncurrent_en-US">Accounts payable</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element14" xlink:to="label14" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsPayableCurrentAndNoncurrent" xlink:label="element15" />
        <label xlink:type="resource" xlink:label="label15" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AccountsPayableCurrentAndNoncurrent_en-US">Accounts Payable</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element15" xlink:to="label15" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis" xlink:label="element16" />
        <label xlink:type="resource" xlink:label="label16" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_en-US">Accounts, Notes, Loans and Financing Receivable by Legal Entity of Counterparty, Type [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element16" xlink:to="label16" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNetAbstract" xlink:label="element17" />
        <label xlink:type="resource" xlink:label="label17" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AccountsReceivableNetAbstract_en-US">Accounts receivable</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element17" xlink:to="label17" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNetAbstract" xlink:label="element18" />
        <label xlink:type="resource" xlink:label="label18" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AccountsReceivableNetAbstract_en-US">Accounts Receivable, Net [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element18" xlink:to="label18" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:label="element19" />
        <label xlink:type="resource" xlink:label="label19" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_en-US">Accumulated depreciation and amortization</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element19" xlink:to="label19" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:label="element20" />
        <label xlink:type="resource" xlink:label="label20" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_en-US">Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element20" xlink:to="label20" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:label="element21" />
        <label xlink:type="resource" xlink:label="label21" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_en-US">Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment, Beginning Balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element21" xlink:to="label21" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:label="element22" />
        <label xlink:type="resource" xlink:label="label22" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_en-US">Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment, Ending Balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element22" xlink:to="label22" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:label="element23" />
        <label xlink:type="resource" xlink:label="label23" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_en-US">Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element23" xlink:to="label23" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" xlink:label="element24" />
        <label xlink:type="resource" xlink:label="label24" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember_en-US">Accumulated Defined Benefit Plans Adjustment [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element24" xlink:to="label24" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" xlink:label="element25" />
        <label xlink:type="resource" xlink:label="label25" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember_en-US">Net Unrealized Pension and Other Postretirement Benefit Losses [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element25" xlink:to="label25" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:label="element26" />
        <label xlink:type="resource" xlink:label="label26" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_en-US">Accumulated Net Unrealized Investment Gain (Loss) [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element26" xlink:to="label26" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:label="element27" />
        <label xlink:type="resource" xlink:label="label27" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_en-US">Net Unrealized Investment Gains (Losses) on Investment Securities [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element27" xlink:to="label27" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax" xlink:label="element28" />
        <label xlink:type="resource" xlink:label="label28" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax_en-US">Net unrealized pension and other postretirement benefit losses, net of tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element28" xlink:to="label28" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax" xlink:label="element29" />
        <label xlink:type="resource" xlink:label="label29" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax_en-US">Pension and other postretirement benefit costs</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element29" xlink:to="label29" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax" xlink:label="element30" />
        <label xlink:type="resource" xlink:label="label30" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax_en-US">Accumulated Other Comprehensive Income (Loss), Defined Benefit Pension and Other Postretirement Plans, Net of Tax, Ending Balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element30" xlink:to="label30" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax" xlink:label="element31" />
        <label xlink:type="resource" xlink:label="label31" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax_en-US">Accumulated Other Comprehensive Income (Loss), Defined Benefit Pension and Other Postretirement Plans, Net of Tax, Beginning Balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element31" xlink:to="label31" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax" xlink:label="element32" />
        <label xlink:type="resource" xlink:label="label32" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax_en-US">Accumulated Other Comprehensive Income (Loss), Defined Benefit Pension and Other Postretirement Plans, Net of Tax, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element32" xlink:to="label32" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax" xlink:label="element33" />
        <label xlink:type="resource" xlink:label="label33" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax_en-US">Accumulated Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Net of Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element33" xlink:to="label33" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax" xlink:label="element34" />
        <label xlink:type="resource" xlink:label="label34" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax_en-US">Net unrealized pension and other postretirement benefit losses, net of tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element34" xlink:to="label34" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossCumulativeChangesInNetGainLossFromCashFlowHedgesEffectNetOfTax" xlink:label="element35" />
        <label xlink:type="resource" xlink:label="label35" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AccumulatedOtherComprehensiveIncomeLossCumulativeChangesInNetGainLossFromCashFlowHedgesEffectNetOfTax_en-US">Net unrealized derivatives losses, net of tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element35" xlink:to="label35" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossCumulativeChangesInNetGainLossFromCashFlowHedgesEffectNetOfTax" xlink:label="element36" />
        <label xlink:type="resource" xlink:label="label36" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AccumulatedOtherComprehensiveIncomeLossCumulativeChangesInNetGainLossFromCashFlowHedgesEffectNetOfTax_en-US">Accumulated Other Comprehensive Income (Loss), Cumulative Changes in Net Gain (Loss) from Cash Flow Hedges, Effect Net of Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element36" xlink:to="label36" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:label="element37" />
        <label xlink:type="resource" xlink:label="label37" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_en-US">Net unrealized securities gains, net of tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element37" xlink:to="label37" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:label="element38" />
        <label xlink:type="resource" xlink:label="label38" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_en-US">Net unrealized gains (losses)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element38" xlink:to="label38" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:label="element39" />
        <label xlink:type="resource" xlink:label="label39" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_en-US">Accumulated Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element39" xlink:to="label39" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="element40" />
        <label xlink:type="resource" xlink:label="label40" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_en-US">Balances as of end of period</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element40" xlink:to="label40" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="element41" />
        <label xlink:type="resource" xlink:label="label41" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_en-US">Balances as of start of period</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element41" xlink:to="label41" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="element42" />
        <label xlink:type="resource" xlink:label="label42" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_en-US">Total accumulated other comprehensive loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element42" xlink:to="label42" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="element43" />
        <label xlink:type="resource" xlink:label="label43" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_en-US">Accumulated other comprehensive loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element43" xlink:to="label43" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="element44" />
        <label xlink:type="resource" xlink:label="label44" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_en-US">Accumulated Other Comprehensive Income (Loss), Net of Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element44" xlink:to="label44" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:label="element45" />
        <label xlink:type="resource" xlink:label="label45" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AccumulatedOtherComprehensiveIncomeMember_en-US">Accumulated Other Comprehensive Income (Loss) [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element45" xlink:to="label45" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:label="element46" />
        <label xlink:type="resource" xlink:label="label46" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AccumulatedOtherComprehensiveIncomeMember_en-US">Accumulated other comprehensive income (loss)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element46" xlink:to="label46" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:label="element47" />
        <label xlink:type="resource" xlink:label="label47" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_AccumulatedOtherComprehensiveIncomeMember_en-US">Accumulated Other Comprehensive (Loss) Income [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element47" xlink:to="label47" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax" xlink:label="element48" />
        <label xlink:type="resource" xlink:label="label48" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax_en-US">Foreign currency translation adjustments, net of tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element48" xlink:to="label48" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax" xlink:label="element49" />
        <label xlink:type="resource" xlink:label="label49" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax_en-US">Foreign currency translation adjustments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element49" xlink:to="label49" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax" xlink:label="element50" />
        <label xlink:type="resource" xlink:label="label50" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax_en-US">Accumulated Other Comprehensive Income (Loss), Foreign Currency Translation Adjustment, Net of Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element50" xlink:to="label50" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax" xlink:label="element51" />
        <label xlink:type="resource" xlink:label="label51" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_us-gaap_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax_en-US">Accumulated Other Comprehensive Income (Loss), Foreign Currency Translation Adjustment, Net of Tax, Ending Balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element51" xlink:to="label51" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax" xlink:label="element52" />
        <label xlink:type="resource" xlink:label="label52" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_us-gaap_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax_en-US">Accumulated Other Comprehensive Income (Loss), Foreign Currency Translation Adjustment, Net of Tax, Beginning Balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element52" xlink:to="label52" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedNetGainLossFromDesignatedOrQualifyingCashFlowHedgesMember" xlink:label="element53" />
        <label xlink:type="resource" xlink:label="label53" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AccumulatedNetGainLossFromDesignatedOrQualifyingCashFlowHedgesMember_en-US">Accumulated Net Gain (Loss) from Designated or Qualifying Cash Flow Hedges [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element53" xlink:to="label53" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedNetGainLossFromDesignatedOrQualifyingCashFlowHedgesMember" xlink:label="element54" />
        <label xlink:type="resource" xlink:label="label54" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AccumulatedNetGainLossFromDesignatedOrQualifyingCashFlowHedgesMember_en-US">Net Unrealized Gains (Losses) on Cash Flow Hedges [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element54" xlink:to="label54" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:label="element55" />
        <label xlink:type="resource" xlink:label="label55" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_en-US">Accumulated other comprehensive income (loss)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element55" xlink:to="label55" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:label="element56" />
        <label xlink:type="resource" xlink:label="label56" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_en-US">Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element56" xlink:to="label56" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems" xlink:label="element57" />
        <label xlink:type="resource" xlink:label="label57" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_en-US">Accumulated Other Comprehensive Income (Loss) [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element57" xlink:to="label57" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable" xlink:label="element58" />
        <label xlink:type="resource" xlink:label="label58" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_en-US">Accumulated Other Comprehensive Income (Loss) [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element58" xlink:to="label58" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedTranslationAdjustmentMember" xlink:label="element59" />
        <label xlink:type="resource" xlink:label="label59" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AccumulatedTranslationAdjustmentMember_en-US">Accumulated Translation Adjustment [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element59" xlink:to="label59" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedTranslationAdjustmentMember" xlink:label="element60" />
        <label xlink:type="resource" xlink:label="label60" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AccumulatedTranslationAdjustmentMember_en-US">Foreign Currency Translation Adjustments [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element60" xlink:to="label60" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdditionalPaidInCapital" xlink:label="element61" />
        <label xlink:type="resource" xlink:label="label61" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AdditionalPaidInCapital_en-US">Additional paid-in capital</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element61" xlink:to="label61" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdditionalPaidInCapital" xlink:label="element62" />
        <label xlink:type="resource" xlink:label="label62" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_AdditionalPaidInCapital_en-US">Additional Paid in Capital, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element62" xlink:to="label62" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdditionalPaidInCapital" xlink:label="element63" />
        <label xlink:type="resource" xlink:label="label63" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_us-gaap_AdditionalPaidInCapital_en-US">Additional Paid in Capital, Beginning Balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element63" xlink:to="label63" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdditionalPaidInCapital" xlink:label="element64" />
        <label xlink:type="resource" xlink:label="label64" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_us-gaap_AdditionalPaidInCapital_en-US">Additional Paid in Capital, Ending Balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element64" xlink:to="label64" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdditionalPaidInCapital" xlink:label="element65" />
        <label xlink:type="resource" xlink:label="label65" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AdditionalPaidInCapital_en-US">Additional Paid in Capital</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element65" xlink:to="label65" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="element66" />
        <label xlink:type="resource" xlink:label="label66" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_en-US">Adjustments to reconcile net income to cash provided by operating activities:</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element66" xlink:to="label66" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="element67" />
        <label xlink:type="resource" xlink:label="label67" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_en-US">Adjustments to reconcile net income to net cash provided by operating activities:</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element67" xlink:to="label67" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="element68" />
        <label xlink:type="resource" xlink:label="label68" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_en-US">Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element68" xlink:to="label68" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForCreditLossesTextBlock" xlink:label="element69" />
        <label xlink:type="resource" xlink:label="label69" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AllowanceForCreditLossesTextBlock_en-US">Allowance For Credit Losses [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element69" xlink:to="label69" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForCreditLossesTextBlock" xlink:label="element70" />
        <label xlink:type="resource" xlink:label="label70" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AllowanceForCreditLossesTextBlock_en-US">Reserve for Losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element70" xlink:to="label70" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForDoubtfulAccountsReceivable" xlink:label="element71" />
        <label xlink:type="resource" xlink:label="label71" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_AllowanceForDoubtfulAccountsReceivable_en-US">Less: Reserve for losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element71" xlink:to="label71" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForDoubtfulAccountsReceivable" xlink:label="element72" />
        <label xlink:type="resource" xlink:label="label72" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_AllowanceForDoubtfulAccountsReceivable_en-US">Cardmember reserve for losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element72" xlink:to="label72" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForDoubtfulAccountsReceivable" xlink:label="element73" />
        <label xlink:type="resource" xlink:label="label73" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_us-gaap_AllowanceForDoubtfulAccountsReceivable_en-US">Balance, September 30</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element73" xlink:to="label73" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForDoubtfulAccountsReceivable" xlink:label="element74" />
        <label xlink:type="resource" xlink:label="label74" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_us-gaap_AllowanceForDoubtfulAccountsReceivable_en-US">Balance, January 1</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element74" xlink:to="label74" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForDoubtfulAccountsReceivable" xlink:label="element75" />
        <label xlink:type="resource" xlink:label="label75" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_AllowanceForDoubtfulAccountsReceivable_en-US">Cardmember reserve for losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element75" xlink:to="label75" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForDoubtfulAccountsReceivable" xlink:label="element76" />
        <label xlink:type="resource" xlink:label="label76" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AllowanceForDoubtfulAccountsReceivable_en-US">Card Member receivables, reserves</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element76" xlink:to="label76" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForDoubtfulAccountsReceivable" xlink:label="element77" />
        <label xlink:type="resource" xlink:label="label77" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AllowanceForDoubtfulAccountsReceivable_en-US">Allowance For Doubtful Accounts Receivable</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element77" xlink:to="label77" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts" xlink:label="element78" />
        <label xlink:type="resource" xlink:label="label78" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts_en-US">Allowance for Card Member Loans, Recoveries of Bad Debts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element78" xlink:to="label78" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts" xlink:label="element79" />
        <label xlink:type="resource" xlink:label="label79" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts_en-US">Allowance for Loan and Lease Losses, Recoveries of Bad Debts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element79" xlink:to="label79" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesRollForward" xlink:label="element80" />
        <label xlink:type="resource" xlink:label="label80" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_en-US">Changes in the Card Member loans reserve for losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element80" xlink:to="label80" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesRollForward" xlink:label="element81" />
        <label xlink:type="resource" xlink:label="label81" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_en-US">Allowance for Loan and Lease Losses [Roll Forward]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element81" xlink:to="label81" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits" xlink:label="element82" />
        <label xlink:type="resource" xlink:label="label82" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits_en-US">Dilutive Securities, Effect on Basic Earnings Per Share, Including Options and Restrictive Stock Units</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element82" xlink:to="label82" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits" xlink:label="element83" />
        <label xlink:type="resource" xlink:label="label83" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits_en-US">Earnings allocated to participating share awards</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element83" xlink:to="label83" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits" xlink:label="element84" />
        <label xlink:type="resource" xlink:label="label84" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits_en-US">Earnings allocated to participating share awards</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element84" xlink:to="label84" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis" xlink:label="element85" />
        <label xlink:type="resource" xlink:label="label85" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_en-US">Antidilutive Securities Excluded from Computation of Earnings Per Share, by Antidilutive Securities [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element85" xlink:to="label85" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems" xlink:label="element86" />
        <label xlink:type="resource" xlink:label="label86" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_en-US">Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element86" xlink:to="label86" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesNameDomain" xlink:label="element87" />
        <label xlink:type="resource" xlink:label="label87" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AntidilutiveSecuritiesNameDomain_en-US">Antidilutive Securities, Name [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element87" xlink:to="label87" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:label="element88" />
        <label xlink:type="resource" xlink:label="label88" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_en-US">Antidilutive securities excluded from computation of earnings per Share, amount</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element88" xlink:to="label88" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:label="element89" />
        <label xlink:type="resource" xlink:label="label89" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_en-US">Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element89" xlink:to="label89" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Assets" xlink:label="element90" />
        <label xlink:type="resource" xlink:label="label90" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_Assets_en-US">Total assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element90" xlink:to="label90" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Assets" xlink:label="element91" />
        <label xlink:type="resource" xlink:label="label91" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_Assets_en-US">Total assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element91" xlink:to="label91" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Assets" xlink:label="element92" />
        <label xlink:type="resource" xlink:label="label92" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_Assets_en-US">Assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element92" xlink:to="label92" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="element93" />
        <label xlink:type="resource" xlink:label="label93" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AssetsAbstract_en-US">Assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element93" xlink:to="label93" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="element94" />
        <label xlink:type="resource" xlink:label="label94" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AssetsAbstract_en-US">Assets [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element94" xlink:to="label94" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsFairValueDisclosureRecurring" xlink:label="element95" />
        <label xlink:type="resource" xlink:label="label95" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AssetsFairValueDisclosureRecurring_en-US">Fair Value Assets Measured On Recurring Basis</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element95" xlink:to="label95" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsFairValueDisclosureRecurring" xlink:label="element96" />
        <label xlink:type="resource" xlink:label="label96" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_AssetsFairValueDisclosureRecurring_en-US">Total assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element96" xlink:to="label96" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsFairValueDisclosure" xlink:label="element97" />
        <label xlink:type="resource" xlink:label="label97" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AssetsFairValueDisclosure_en-US">Assets Fair Value Disclosure</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element97" xlink:to="label97" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsFairValueDisclosure" xlink:label="element98" />
        <label xlink:type="resource" xlink:label="label98" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AssetsFairValueDisclosure_en-US">Assets measured at fair value for impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element98" xlink:to="label98" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:label="element99" />
        <label xlink:type="resource" xlink:label="label99" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_en-US">Estimated Fair Value, Less than 12 months</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element99" xlink:to="label99" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:label="element100" />
        <label xlink:type="resource" xlink:label="label100" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_en-US">Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element100" xlink:to="label100" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses" xlink:label="element101" />
        <label xlink:type="resource" xlink:label="label101" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses_en-US">Gross Unrealized Losses, Less than 12 months</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element101" xlink:to="label101" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses" xlink:label="element102" />
        <label xlink:type="resource" xlink:label="label102" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses_en-US">Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element102" xlink:to="label102" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses" xlink:label="element103" />
        <label xlink:type="resource" xlink:label="label103" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses_en-US">Gross Unrealized Losses, Less than 12 months</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element103" xlink:to="label103" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="element104" />
        <label xlink:type="resource" xlink:label="label104" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_en-US">Available-for-sale investment securities with gross unrealized losses and length of time</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element104" xlink:to="label104" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="element105" />
        <label xlink:type="resource" xlink:label="label105" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_en-US">Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element105" xlink:to="label105" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAbstract" xlink:label="element106" />
        <label xlink:type="resource" xlink:label="label106" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAbstract_en-US">Contractual maturities of investment securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element106" xlink:to="label106" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAbstract" xlink:label="element107" />
        <label xlink:type="resource" xlink:label="label107" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAbstract_en-US">Available-for-sale Securities, Debt Maturities [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element107" xlink:to="label107" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract" xlink:label="element108" />
        <label xlink:type="resource" xlink:label="label108" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_en-US">Available For Sale Securities Debt Maturities Amortized Cost [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element108" xlink:to="label108" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract" xlink:label="element109" />
        <label xlink:type="resource" xlink:label="label109" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_en-US">Available-for-sale Securities, Debt Maturities, Amortized Cost [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element109" xlink:to="label109" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses" xlink:label="element110" />
        <label xlink:type="resource" xlink:label="label110" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses_en-US">Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element110" xlink:to="label110" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses" xlink:label="element111" />
        <label xlink:type="resource" xlink:label="label111" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses_en-US">Gross Unrealized Losses, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element111" xlink:to="label111" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:label="element112" />
        <label xlink:type="resource" xlink:label="label112" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_en-US">Estimated Fair Value, Due within 1 year</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element112" xlink:to="label112" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:label="element113" />
        <label xlink:type="resource" xlink:label="label113" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_en-US">Available-for-sale Securities, Debt Maturities, within One Year, Fair Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element113" xlink:to="label113" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:label="element114" />
        <label xlink:type="resource" xlink:label="label114" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_en-US">Estimated Fair Value, Due after 5 years but within 10 years</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element114" xlink:to="label114" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:label="element115" />
        <label xlink:type="resource" xlink:label="label115" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_en-US">Available-for-sale Securities, Debt Maturities, after Five Through Ten Years, Fair Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element115" xlink:to="label115" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses" xlink:label="element116" />
        <label xlink:type="resource" xlink:label="label116" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses_en-US">Gross Unrealized Losses, 12 months or more</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element116" xlink:to="label116" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses" xlink:label="element117" />
        <label xlink:type="resource" xlink:label="label117" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses_en-US">Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element117" xlink:to="label117" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses" xlink:label="element118" />
        <label xlink:type="resource" xlink:label="label118" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses_en-US">Gross Unrealized Losses, 12 months or more</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element118" xlink:to="label118" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract" xlink:label="element119" />
        <label xlink:type="resource" xlink:label="label119" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract_en-US">Schedule of Available for Sale Securities by Type</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element119" xlink:to="label119" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract" xlink:label="element120" />
        <label xlink:type="resource" xlink:label="label120" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract_en-US">Available-for-sale Securities, Balance Sheet, Reported Amounts [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element120" xlink:to="label120" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:label="element121" />
        <label xlink:type="resource" xlink:label="label121" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_en-US">Estimated Fair Value, 12 months or more</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element121" xlink:to="label121" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:label="element122" />
        <label xlink:type="resource" xlink:label="label122" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_en-US">Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element122" xlink:to="label122" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:label="element123" />
        <label xlink:type="resource" xlink:label="label123" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_en-US">Due within 1 year</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element123" xlink:to="label123" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:label="element124" />
        <label xlink:type="resource" xlink:label="label124" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_en-US">Available-for-sale Securities, Debt Maturities, within One Year, Amortized Cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element124" xlink:to="label124" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:label="element125" />
        <label xlink:type="resource" xlink:label="label125" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_en-US">Due after 5 years but within 10 years</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element125" xlink:to="label125" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:label="element126" />
        <label xlink:type="resource" xlink:label="label126" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_en-US">Available-for-sale Securities, Debt Maturities, after Five Through Ten Years, Amortized Cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element126" xlink:to="label126" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:label="element127" />
        <label xlink:type="resource" xlink:label="label127" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_AvailableForSaleSecurities_en-US">Investment securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element127" xlink:to="label127" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:label="element128" />
        <label xlink:type="resource" xlink:label="label128" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecurities_en-US">Investment securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element128" xlink:to="label128" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:label="element129" />
        <label xlink:type="resource" xlink:label="label129" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecurities_en-US">Available-for-sale Securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element129" xlink:to="label129" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:label="element130" />
        <label xlink:type="resource" xlink:label="label130" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_AvailableForSaleSecurities_en-US">Estimated Fair Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element130" xlink:to="label130" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="element131" />
        <label xlink:type="resource" xlink:label="label131" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesDebtSecurities_en-US">Debt securities and other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element131" xlink:to="label131" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="element132" />
        <label xlink:type="resource" xlink:label="label132" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesDebtSecurities_en-US">Available-for-sale Securities, Debt Securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element132" xlink:to="label132" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="element133" />
        <label xlink:type="resource" xlink:label="label133" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_AvailableForSaleSecuritiesDebtSecurities_en-US">Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element133" xlink:to="label133" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost" xlink:label="element134" />
        <label xlink:type="resource" xlink:label="label134" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost_en-US">Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element134" xlink:to="label134" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost" xlink:label="element135" />
        <label xlink:type="resource" xlink:label="label135" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost_en-US">Cost, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element135" xlink:to="label135" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost" xlink:label="element136" />
        <label xlink:type="resource" xlink:label="label136" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost_en-US">Available-for-sale Securities, Debt Maturities, Amortized Cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element136" xlink:to="label136" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:label="element137" />
        <label xlink:type="resource" xlink:label="label137" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_en-US">Available For Sale Securities Continuous Unrealized Loss Position Fair Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element137" xlink:to="label137" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:label="element138" />
        <label xlink:type="resource" xlink:label="label138" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_en-US">Estimated Fair Value, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element138" xlink:to="label138" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract" xlink:label="element139" />
        <label xlink:type="resource" xlink:label="label139" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_en-US">Estimated Fair Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element139" xlink:to="label139" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract" xlink:label="element140" />
        <label xlink:type="resource" xlink:label="label140" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_en-US">Available-for-sale Securities, Debt Maturities, Fair Value [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element140" xlink:to="label140" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="element141" />
        <label xlink:type="resource" xlink:label="label141" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_en-US">Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element141" xlink:to="label141" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="element142" />
        <label xlink:type="resource" xlink:label="label142" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_en-US">Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element142" xlink:to="label142" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear" xlink:label="element143" />
        <label xlink:type="resource" xlink:label="label143" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear_en-US">Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Less than One Year</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element143" xlink:to="label143" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear" xlink:label="element144" />
        <label xlink:type="resource" xlink:label="label144" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear_en-US">Number of securities, less than 12 months</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element144" xlink:to="label144" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract" xlink:label="element145" />
        <label xlink:type="resource" xlink:label="label145" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract_en-US">Available For Sale Securities Continuous Unrealized Loss Position Qualitative Disclosure [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element145" xlink:to="label145" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:label="element146" />
        <label xlink:type="resource" xlink:label="label146" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_en-US">Due after 10 years</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element146" xlink:to="label146" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:label="element147" />
        <label xlink:type="resource" xlink:label="label147" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_en-US">Due after 10 years</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element147" xlink:to="label147" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:label="element148" />
        <label xlink:type="resource" xlink:label="label148" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_en-US">Available-for-sale Securities, Debt Maturities, after Ten Years, Amortized Cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element148" xlink:to="label148" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:label="element149" />
        <label xlink:type="resource" xlink:label="label149" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_en-US">Estimated Fair Value, Due after 10 years</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element149" xlink:to="label149" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:label="element150" />
        <label xlink:type="resource" xlink:label="label150" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_en-US">Estimated Fair Value, Due after 10 years</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element150" xlink:to="label150" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:label="element151" />
        <label xlink:type="resource" xlink:label="label151" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_en-US">Available-for-sale Securities, Debt Maturities, after Ten Years, Fair Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element151" xlink:to="label151" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:label="element152" />
        <label xlink:type="resource" xlink:label="label152" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesAmortizedCost_en-US">Cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element152" xlink:to="label152" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:label="element153" />
        <label xlink:type="resource" xlink:label="label153" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesAmortizedCost_en-US">Available-for-sale Securities, Amortized Cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element153" xlink:to="label153" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:label="element154" />
        <label xlink:type="resource" xlink:label="label154" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_en-US">Estimated Fair Value, Due after 1 year but within 5 years</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element154" xlink:to="label154" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:label="element155" />
        <label xlink:type="resource" xlink:label="label155" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_en-US">Available-for-sale Securities, Debt Maturities, after One Through Five Years, Fair Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element155" xlink:to="label155" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="element156" />
        <label xlink:type="resource" xlink:label="label156" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_en-US">Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element156" xlink:to="label156" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss" xlink:label="element157" />
        <label xlink:type="resource" xlink:label="label157" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss_en-US">Gross Unrealized Losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element157" xlink:to="label157" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss" xlink:label="element158" />
        <label xlink:type="resource" xlink:label="label158" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss_en-US">Available-for-sale Securities, Gross Unrealized Losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element158" xlink:to="label158" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:label="element159" />
        <label xlink:type="resource" xlink:label="label159" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_en-US">Due after 1 year but within 5 years</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element159" xlink:to="label159" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:label="element160" />
        <label xlink:type="resource" xlink:label="label160" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_en-US">Available-for-sale Securities, Debt Maturities, after One Through Five Years, Amortized Cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element160" xlink:to="label160" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses" xlink:label="element161" />
        <label xlink:type="resource" xlink:label="label161" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses_en-US">Losses on sale of securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element161" xlink:to="label161" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses" xlink:label="element162" />
        <label xlink:type="resource" xlink:label="label162" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xml:lang="en-US" id="NegatedTotal_us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses_en-US">Losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element162" xlink:to="label162" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses" xlink:label="element163" />
        <label xlink:type="resource" xlink:label="label163" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses_en-US">Losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element163" xlink:to="label163" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses" xlink:label="element164" />
        <label xlink:type="resource" xlink:label="label164" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses_en-US">Losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element164" xlink:to="label164" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses" xlink:label="element165" />
        <label xlink:type="resource" xlink:label="label165" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses_en-US">Available-for-sale Securities, Gross Realized Losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element165" xlink:to="label165" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses" xlink:label="element166" />
        <label xlink:type="resource" xlink:label="label166" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses_en-US">Losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element166" xlink:to="label166" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossRealizedGains" xlink:label="element167" />
        <label xlink:type="resource" xlink:label="label167" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_AvailableForSaleSecuritiesGrossRealizedGains_en-US">Gain on sale of investments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element167" xlink:to="label167" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossRealizedGains" xlink:label="element168" />
        <label xlink:type="resource" xlink:label="label168" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_AvailableForSaleSecuritiesGrossRealizedGains_en-US">Gain on sale of securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element168" xlink:to="label168" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossRealizedGains" xlink:label="element169" />
        <label xlink:type="resource" xlink:label="label169" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesGrossRealizedGains_en-US">Gains</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element169" xlink:to="label169" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossRealizedGains" xlink:label="element170" />
        <label xlink:type="resource" xlink:label="label170" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesGrossRealizedGains_en-US">Available-for-sale Securities, Gross Realized Gains</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element170" xlink:to="label170" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains" xlink:label="element171" />
        <label xlink:type="resource" xlink:label="label171" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains_en-US">Gross Unrealized Gains</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element171" xlink:to="label171" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains" xlink:label="element172" />
        <label xlink:type="resource" xlink:label="label172" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains_en-US">Available-for-sale Securities, Gross Unrealized Gains</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element172" xlink:to="label172" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossNet" xlink:label="element173" />
        <label xlink:type="resource" xlink:label="label173" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossNet_en-US">Available For Sale Securities Gross Realized Gain Loss Net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element173" xlink:to="label173" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossNet" xlink:label="element174" />
        <label xlink:type="resource" xlink:label="label174" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossNet_en-US">Net gain on investment securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element174" xlink:to="label174" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesEquitySecurities" xlink:label="element175" />
        <label xlink:type="resource" xlink:label="label175" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_AvailableForSaleSecuritiesEquitySecurities_en-US">Equity securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element175" xlink:to="label175" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesEquitySecurities" xlink:label="element176" />
        <label xlink:type="resource" xlink:label="label176" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecuritiesEquitySecurities_en-US">Available-for-sale Securities, Equity Securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element176" xlink:to="label176" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesEquitySecurities" xlink:label="element177" />
        <label xlink:type="resource" xlink:label="label177" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_AvailableForSaleSecuritiesEquitySecurities_en-US">Equity investment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element177" xlink:to="label177" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BalanceSheetLocationAxis" xlink:label="element178" />
        <label xlink:type="resource" xlink:label="label178" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_BalanceSheetLocationAxis_en-US">Derivatives, Fair Value, by Balance Sheet Location [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element178" xlink:to="label178" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BalanceSheetLocationDomain" xlink:label="element179" />
        <label xlink:type="resource" xlink:label="label179" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_BalanceSheetLocationDomain_en-US">Balance Sheet Location [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element179" xlink:to="label179" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BusinessCombinationDisclosureTextBlock" xlink:label="element180" />
        <label xlink:type="resource" xlink:label="label180" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_BusinessCombinationDisclosureTextBlock_en-US">Business Combination Disclosure [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element180" xlink:to="label180" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BusinessCombinationDisclosureTextBlock" xlink:label="element181" />
        <label xlink:type="resource" xlink:label="label181" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_BusinessCombinationDisclosureTextBlock_en-US">Divestitures</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element181" xlink:to="label181" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CounterpartyNameAxis" xlink:label="element182" />
        <label xlink:type="resource" xlink:label="label182" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CounterpartyNameAxis_en-US">Counterparty Name [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element182" xlink:to="label182" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:label="element183" />
        <label xlink:type="resource" xlink:label="label183" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CarryingReportedAmountFairValueDisclosureMember_en-US">Carrying Value [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element183" xlink:to="label183" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:label="element184" />
        <label xlink:type="resource" xlink:label="label184" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_CarryingReportedAmountFairValueDisclosureMember_en-US">Carrying Value [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element184" xlink:to="label184" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndDueFromBanks" xlink:label="element185" />
        <label xlink:type="resource" xlink:label="label185" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_CashAndDueFromBanks_en-US">Cash and cash due from banks</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element185" xlink:to="label185" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndDueFromBanks" xlink:label="element186" />
        <label xlink:type="resource" xlink:label="label186" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CashAndDueFromBanks_en-US">Cash and Due from Banks</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element186" xlink:to="label186" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="element187" />
        <label xlink:type="resource" xlink:label="label187" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_en-US">Net increase (decrease) in cash and cash equivalents</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element187" xlink:to="label187" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="element188" />
        <label xlink:type="resource" xlink:label="label188" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_en-US">Net increase (decrease) in cash and cash equivalents</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element188" xlink:to="label188" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="element189" />
        <label xlink:type="resource" xlink:label="label189" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_en-US">Net change in cash and cash equivalents</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element189" xlink:to="label189" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="element190" />
        <label xlink:type="resource" xlink:label="label190" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_en-US">Cash and Cash Equivalents, Period Increase (Decrease)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element190" xlink:to="label190" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths" xlink:label="element191" />
        <label xlink:type="resource" xlink:label="label191" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths_en-US">Net pretax losses on derivatives reclassified from AOCI into earnings</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element191" xlink:to="label191" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths" xlink:label="element192" />
        <label xlink:type="resource" xlink:label="label192" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths_en-US">Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element192" xlink:to="label192" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract" xlink:label="element193" />
        <label xlink:type="resource" xlink:label="label193" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_en-US">Cash and cash equivalents</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element193" xlink:to="label193" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract" xlink:label="element194" />
        <label xlink:type="resource" xlink:label="label194" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_en-US">Cash and Cash Equivalents, at Carrying Value [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element194" xlink:to="label194" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashEquivalentsAtCarryingValue" xlink:label="element195" />
        <label xlink:type="resource" xlink:label="label195" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_CashEquivalentsAtCarryingValue_en-US">Short-term investment securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element195" xlink:to="label195" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashEquivalentsAtCarryingValue" xlink:label="element196" />
        <label xlink:type="resource" xlink:label="label196" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CashEquivalentsAtCarryingValue_en-US">Cash Equivalents, at Carrying Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element196" xlink:to="label196" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAbstract" xlink:label="element197" />
        <label xlink:type="resource" xlink:label="label197" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CashAndCashEquivalentsAbstract_en-US">Cash And Cash Equivalents [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element197" xlink:to="label197" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashCashEquivalentsAndFederalFundsSold" xlink:label="element198" />
        <label xlink:type="resource" xlink:label="label198" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_us-gaap_CashCashEquivalentsAndFederalFundsSold_en-US">Cash and cash equivalents at end of period</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element198" xlink:to="label198" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashCashEquivalentsAndFederalFundsSold" xlink:label="element199" />
        <label xlink:type="resource" xlink:label="label199" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_us-gaap_CashCashEquivalentsAndFederalFundsSold_en-US">Cash and cash equivalents at beginning of period</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element199" xlink:to="label199" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashCashEquivalentsAndFederalFundsSold" xlink:label="element200" />
        <label xlink:type="resource" xlink:label="label200" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_CashCashEquivalentsAndFederalFundsSold_en-US">Cash and cash equivalents</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element200" xlink:to="label200" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashCashEquivalentsAndFederalFundsSold" xlink:label="element201" />
        <label xlink:type="resource" xlink:label="label201" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_CashCashEquivalentsAndFederalFundsSold_en-US">Total cash and cash equivalents</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element201" xlink:to="label201" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashCashEquivalentsAndFederalFundsSold" xlink:label="element202" />
        <label xlink:type="resource" xlink:label="label202" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_CashCashEquivalentsAndFederalFundsSold_en-US">Cash and cash equivalents</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element202" xlink:to="label202" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashCashEquivalentsAndFederalFundsSold" xlink:label="element203" />
        <label xlink:type="resource" xlink:label="label203" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CashCashEquivalentsAndFederalFundsSold_en-US">Cash, Cash Equivalents, and Federal Funds Sold</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element203" xlink:to="label203" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations" xlink:label="element204" />
        <label xlink:type="resource" xlink:label="label204" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations_en-US">Net cash provided by investing activities attributable to discontinued operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element204" xlink:to="label204" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations" xlink:label="element205" />
        <label xlink:type="resource" xlink:label="label205" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations_en-US">Cash Provided by (Used in) Investing Activities, Discontinued Operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element205" xlink:to="label205" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashFlowHedgingMember" xlink:label="element206" />
        <label xlink:type="resource" xlink:label="label206" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CashFlowHedgingMember_en-US">Cash Flow Hedging [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element206" xlink:to="label206" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashFlowHedgingMember" xlink:label="element207" />
        <label xlink:type="resource" xlink:label="label207" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_CashFlowHedgingMember_en-US">Cash Flow Hedges [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element207" xlink:to="label207" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations" xlink:label="element208" />
        <label xlink:type="resource" xlink:label="label208" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations_en-US">Net cash (used in) provided by operating activities attributable to discontinued operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element208" xlink:to="label208" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations" xlink:label="element209" />
        <label xlink:type="resource" xlink:label="label209" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations_en-US">Cash Provided by (Used in) Operating Activities, Discontinued Operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element209" xlink:to="label209" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations" xlink:label="element210" />
        <label xlink:type="resource" xlink:label="label210" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations_en-US">Net cash provided by financing activities attributable to discontinued operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element210" xlink:to="label210" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations" xlink:label="element211" />
        <label xlink:type="resource" xlink:label="label211" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations_en-US">Cash Provided by (Used in) Financing Activities, Discontinued Operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element211" xlink:to="label211" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1" xlink:label="element212" />
        <label xlink:type="resource" xlink:label="label212" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1_en-US">Derivative contract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element212" xlink:to="label212" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1" xlink:label="element213" />
        <label xlink:type="resource" xlink:label="label213" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1_en-US">Change in Unrealized Gain (Loss) on Fair Value Hedging Instruments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element213" xlink:to="label213" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1" xlink:label="element214" />
        <label xlink:type="resource" xlink:label="label214" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1_en-US">Change In Unrealized Gain Loss On Hedged Item In Fair Value Hedge</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element214" xlink:to="label214" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1" xlink:label="element215" />
        <label xlink:type="resource" xlink:label="label215" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1_en-US">Hedged item</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element215" xlink:to="label215" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:label="element216" />
        <label xlink:type="resource" xlink:label="label216" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ClassificationOfVariableInterestEntityDomain_en-US">Variable Interest Entity, Classification [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element216" xlink:to="label216" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="element217" />
        <label xlink:type="resource" xlink:label="label217" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_en-US">Contingencies Disclosure [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element217" xlink:to="label217" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="element218" />
        <label xlink:type="resource" xlink:label="label218" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_en-US">Commitments and Contingencies [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element218" xlink:to="label218" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommitmentsAndContingencies" xlink:label="element219" />
        <label xlink:type="resource" xlink:label="label219" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_CommitmentsAndContingencies_en-US">Commitments and Contingencies (Note 24)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element219" xlink:to="label219" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommitmentsAndContingencies" xlink:label="element220" />
        <label xlink:type="resource" xlink:label="label220" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CommitmentsAndContingencies_en-US">Commitments and Contingencies</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element220" xlink:to="label220" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:label="element221" />
        <label xlink:type="resource" xlink:label="label221" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_en-US">Contingencies</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element221" xlink:to="label221" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:label="element222" />
        <label xlink:type="resource" xlink:label="label222" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_en-US">Contingencies Disclosure [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element222" xlink:to="label222" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommitmentsAndContingenciesPolicyTextBlock" xlink:label="element223" />
        <label xlink:type="resource" xlink:label="label223" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_CommitmentsAndContingenciesPolicyTextBlock_en-US">Commitments and contingencies</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element223" xlink:to="label223" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommitmentsAndContingenciesPolicyTextBlock" xlink:label="element224" />
        <label xlink:type="resource" xlink:label="label224" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CommitmentsAndContingenciesPolicyTextBlock_en-US">Commitments and Contingencies, Policy [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element224" xlink:to="label224" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:label="element225" />
        <label xlink:type="resource" xlink:label="label225" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_CommonStockParOrStatedValuePerShare_en-US">Common shares, par value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element225" xlink:to="label225" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:label="element226" />
        <label xlink:type="resource" xlink:label="label226" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CommonStockParOrStatedValuePerShare_en-US">Common Stock, Par or Stated Value Per Share</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element226" xlink:to="label226" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockValue" xlink:label="element227" />
        <label xlink:type="resource" xlink:label="label227" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_CommonStockValue_en-US">Common shares</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element227" xlink:to="label227" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockValue" xlink:label="element228" />
        <label xlink:type="resource" xlink:label="label228" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CommonStockValue_en-US">Common Stock Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element228" xlink:to="label228" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockValue" xlink:label="element229" />
        <label xlink:type="resource" xlink:label="label229" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_CommonStockValue_en-US">Common shares</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element229" xlink:to="label229" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockValue" xlink:label="element230" />
        <label xlink:type="resource" xlink:label="label230" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_us-gaap_CommonStockValue_en-US">Common Stock, Value, Issued, Ending Balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element230" xlink:to="label230" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockValue" xlink:label="element231" />
        <label xlink:type="resource" xlink:label="label231" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_us-gaap_CommonStockValue_en-US">Common Stock, Value, Issued, Beginning Balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element231" xlink:to="label231" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockValue" xlink:label="element232" />
        <label xlink:type="resource" xlink:label="label232" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_CommonStockValue_en-US">Common Stock, Value, Issued, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element232" xlink:to="label232" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:label="element233" />
        <label xlink:type="resource" xlink:label="label233" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_CommonStockSharesIssued_en-US">Common shares, issued</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element233" xlink:to="label233" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:label="element234" />
        <label xlink:type="resource" xlink:label="label234" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_CommonStockSharesIssued_en-US">Common Stock, Shares, Issued, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element234" xlink:to="label234" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:label="element235" />
        <label xlink:type="resource" xlink:label="label235" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CommonStockSharesIssued_en-US">Common Stock, Shares, Issued</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element235" xlink:to="label235" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockDividendsPerShareDeclared" xlink:label="element236" />
        <label xlink:type="resource" xlink:label="label236" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CommonStockDividendsPerShareDeclared_en-US">Common Stock Dividends Per Share Declared</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element236" xlink:to="label236" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockDividendsPerShareDeclared" xlink:label="element237" />
        <label xlink:type="resource" xlink:label="label237" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_CommonStockDividendsPerShareDeclared_en-US">Cash dividends declared per common share</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element237" xlink:to="label237" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockDividendsPerShareDeclared" xlink:label="element238" />
        <label xlink:type="resource" xlink:label="label238" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_CommonStockDividendsPerShareDeclared_en-US">Common stock, dividend per share</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element238" xlink:to="label238" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:label="element239" />
        <label xlink:type="resource" xlink:label="label239" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_CommonStockSharesAuthorized_en-US">Common shares, authorized</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element239" xlink:to="label239" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:label="element240" />
        <label xlink:type="resource" xlink:label="label240" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CommonStockSharesAuthorized_en-US">Common Stock, Shares Authorized</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element240" xlink:to="label240" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesOutstanding" xlink:label="element241" />
        <label xlink:type="resource" xlink:label="label241" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_CommonStockSharesOutstanding_en-US">Shares outstanding at period end</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element241" xlink:to="label241" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesOutstanding" xlink:label="element242" />
        <label xlink:type="resource" xlink:label="label242" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_CommonStockSharesOutstanding_en-US">Common shares, outstanding</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element242" xlink:to="label242" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesOutstanding" xlink:label="element243" />
        <label xlink:type="resource" xlink:label="label243" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CommonStockSharesOutstanding_en-US">Common Stock, Shares, Outstanding</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element243" xlink:to="label243" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesOutstanding" xlink:label="element244" />
        <label xlink:type="resource" xlink:label="label244" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_us-gaap_CommonStockSharesOutstanding_en-US">Common Stock, Shares, Outstanding, Ending Balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element244" xlink:to="label244" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesOutstanding" xlink:label="element245" />
        <label xlink:type="resource" xlink:label="label245" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_us-gaap_CommonStockSharesOutstanding_en-US">Common Stock, Shares, Outstanding, Beginning Balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element245" xlink:to="label245" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAbstract" xlink:label="element246" />
        <label xlink:type="resource" xlink:label="label246" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ComprehensiveIncomeNetOfTaxAbstract_en-US">Components of Comprehensive Income, net of tax [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element246" xlink:to="label246" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAbstract" xlink:label="element247" />
        <label xlink:type="resource" xlink:label="label247" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ComprehensiveIncomeNetOfTaxAbstract_en-US">Comprehensive income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element247" xlink:to="label247" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="element248" />
        <label xlink:type="resource" xlink:label="label248" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ComprehensiveIncomeNetOfTax_en-US">Comprehensive Income (Loss), Net of Tax, Attributable to Parent</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element248" xlink:to="label248" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="element249" />
        <label xlink:type="resource" xlink:label="label249" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_ComprehensiveIncomeNetOfTax_en-US">Comprehensive income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element249" xlink:to="label249" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:label="element250" />
        <label xlink:type="resource" xlink:label="label250" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ComprehensiveIncomeNoteTextBlock_en-US">Comprehensive Income Note [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element250" xlink:to="label250" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:label="element251" />
        <label xlink:type="resource" xlink:label="label251" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ComprehensiveIncomeNoteTextBlock_en-US">Changes In Accumulated Other Comprehensive (Loss) Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element251" xlink:to="label251" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConvertibleSubordinatedDebt" xlink:label="element252" />
        <label xlink:type="resource" xlink:label="label252" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_ConvertibleSubordinatedDebt_en-US">Principal outstanding of Subordinated Debentures</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element252" xlink:to="label252" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConvertibleSubordinatedDebt" xlink:label="element253" />
        <label xlink:type="resource" xlink:label="label253" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ConvertibleSubordinatedDebt_en-US">Subordinated debentures</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element253" xlink:to="label253" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConvertibleSubordinatedDebt" xlink:label="element254" />
        <label xlink:type="resource" xlink:label="label254" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ConvertibleSubordinatedDebt_en-US">Convertible Subordinated Debt</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element254" xlink:to="label254" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConvertibleSubordinatedDebt" xlink:label="element255" />
        <label xlink:type="resource" xlink:label="label255" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_ConvertibleSubordinatedDebt_en-US">Convertible Subordinated Debt, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element255" xlink:to="label255" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateAndOtherMember" xlink:label="element256" />
        <label xlink:type="resource" xlink:label="label256" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CorporateAndOtherMember_en-US">Corporate and Other [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element256" xlink:to="label256" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateDebtSecuritiesMember" xlink:label="element257" />
        <label xlink:type="resource" xlink:label="label257" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_CorporateDebtSecuritiesMember_en-US">Corporate debt securities [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element257" xlink:to="label257" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DesignatedAsHedgingInstrumentMember" xlink:label="element258" />
        <label xlink:type="resource" xlink:label="label258" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DesignatedAsHedgingInstrumentMember_en-US">Designated as Hedging Instrument [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element258" xlink:to="label258" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:label="element259" />
        <label xlink:type="resource" xlink:label="label259" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_DepositLiabilitiesDisclosuresTextBlock_en-US">Customer Deposits</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element259" xlink:to="label259" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:label="element260" />
        <label xlink:type="resource" xlink:label="label260" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DepositLiabilitiesDisclosuresTextBlock_en-US">Deposit Liabilities Disclosures [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element260" xlink:to="label260" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:label="element261" />
        <label xlink:type="resource" xlink:label="label261" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_Deposits_en-US">Total customer deposits</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element261" xlink:to="label261" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:label="element262" />
        <label xlink:type="resource" xlink:label="label262" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_Deposits_en-US">Total customer deposits</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element262" xlink:to="label262" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:label="element263" />
        <label xlink:type="resource" xlink:label="label263" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_Deposits_en-US">Customer deposits</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element263" xlink:to="label263" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:label="element264" />
        <label xlink:type="resource" xlink:label="label264" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_Deposits_en-US">Deposits</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element264" xlink:to="label264" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsDomesticAbstract" xlink:label="element265" />
        <label xlink:type="resource" xlink:label="label265" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_DepositsDomesticAbstract_en-US">U.S.:</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element265" xlink:to="label265" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsDomesticAbstract" xlink:label="element266" />
        <label xlink:type="resource" xlink:label="label266" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DepositsDomesticAbstract_en-US">Deposits, Domestic [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element266" xlink:to="label266" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsDomesticAbstract" xlink:label="element267" />
        <label xlink:type="resource" xlink:label="label267" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_DepositsDomesticAbstract_en-US">U.S. retail deposits:</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element267" xlink:to="label267" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsForeignAbstract" xlink:label="element268" />
        <label xlink:type="resource" xlink:label="label268" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_DepositsForeignAbstract_en-US">Non-U.S.:</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element268" xlink:to="label268" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsForeignAbstract" xlink:label="element269" />
        <label xlink:type="resource" xlink:label="label269" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DepositsForeignAbstract_en-US">Deposits, Foreign [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element269" xlink:to="label269" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsByComponentAlternativeAbstract" xlink:label="element270" />
        <label xlink:type="resource" xlink:label="label270" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_DepositsByComponentAlternativeAbstract_en-US">Deposits By Component Alternative</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element270" xlink:to="label270" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsByComponentAlternativeAbstract" xlink:label="element271" />
        <label xlink:type="resource" xlink:label="label271" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DepositsByComponentAlternativeAbstract_en-US">Deposits, by Component, Alternative [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element271" xlink:to="label271" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsByTypeAbstract" xlink:label="element272" />
        <label xlink:type="resource" xlink:label="label272" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_DepositsByTypeAbstract_en-US">Deposits By Type</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element272" xlink:to="label272" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsByTypeAbstract" xlink:label="element273" />
        <label xlink:type="resource" xlink:label="label273" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DepositsByTypeAbstract_en-US">Deposits, by Type [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element273" xlink:to="label273" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepreciationAmortizationAndAccretionNet" xlink:label="element274" />
        <label xlink:type="resource" xlink:label="label274" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_DepreciationAmortizationAndAccretionNet_en-US">Depreciation and amortization</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element274" xlink:to="label274" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepreciationAmortizationAndAccretionNet" xlink:label="element275" />
        <label xlink:type="resource" xlink:label="label275" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DepreciationAmortizationAndAccretionNet_en-US">Depreciation, Amortization and Accretion, Net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element275" xlink:to="label275" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLiabilities" xlink:label="element276" />
        <label xlink:type="resource" xlink:label="label276" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_DerivativeLiabilities_en-US">Derivatives</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element276" xlink:to="label276" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLiabilities" xlink:label="element277" />
        <label xlink:type="resource" xlink:label="label277" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_DerivativeLiabilities_en-US">Total derivative liabilities, net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element277" xlink:to="label277" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLiabilities" xlink:label="element278" />
        <label xlink:type="resource" xlink:label="label278" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DerivativeLiabilities_en-US">Derivative Liability</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element278" xlink:to="label278" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="element279" />
        <label xlink:type="resource" xlink:label="label279" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DerivativeLineItems_en-US">Derivative [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element279" xlink:to="label279" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeAmountOfHedgedItem" xlink:label="element280" />
        <label xlink:type="resource" xlink:label="label280" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DerivativeAmountOfHedgedItem_en-US">Derivative Amount Of Hedged Item</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element280" xlink:to="label280" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeAmountOfHedgedItem" xlink:label="element281" />
        <label xlink:type="resource" xlink:label="label281" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_DerivativeAmountOfHedgedItem_en-US">Notional amount of long-term debt</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element281" xlink:to="label281" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="element282" />
        <label xlink:type="resource" xlink:label="label282" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DerivativeInstrumentRiskAxis_en-US">Derivatives, Fair Value, by Derivative Instrument Risk [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element282" xlink:to="label282" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" xlink:label="element283" />
        <label xlink:type="resource" xlink:label="label283" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_en-US">Derivatives and Hedging Activities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element283" xlink:to="label283" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" xlink:label="element284" />
        <label xlink:type="resource" xlink:label="label284" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_en-US">Derivative Instruments and Hedging Activities Disclosure [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element284" xlink:to="label284" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:label="element285" />
        <label xlink:type="resource" xlink:label="label285" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_en-US">Derivative Instruments And Hedging Activities Disclosure [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element285" xlink:to="label285" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeAssets" xlink:label="element286" />
        <label xlink:type="resource" xlink:label="label286" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DerivativeAssets_en-US">Derivative Asset</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element286" xlink:to="label286" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeAssets" xlink:label="element287" />
        <label xlink:type="resource" xlink:label="label287" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_DerivativeAssets_en-US">Total derivative assets, net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element287" xlink:to="label287" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:label="element288" />
        <label xlink:type="resource" xlink:label="label288" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_DerivativeFairValueOfDerivativeAsset_en-US">Total fair value of derivatives assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element288" xlink:to="label288" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:label="element289" />
        <label xlink:type="resource" xlink:label="label289" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DerivativeFairValueOfDerivativeAsset_en-US">Derivative Asset, Fair Value, Gross Asset</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element289" xlink:to="label289" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:label="element290" />
        <label xlink:type="resource" xlink:label="label290" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_DerivativeFairValueOfDerivativeAsset_en-US">Derivatives</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element290" xlink:to="label290" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:label="element291" />
        <label xlink:type="resource" xlink:label="label291" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_DerivativeFairValueOfDerivativeLiability_en-US">Total fair value of derivatives liabilties</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element291" xlink:to="label291" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:label="element292" />
        <label xlink:type="resource" xlink:label="label292" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DerivativeFairValueOfDerivativeLiability_en-US">Derivative Liability, Fair Value, Gross Liability</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element292" xlink:to="label292" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:label="element293" />
        <label xlink:type="resource" xlink:label="label293" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_DerivativeFairValueOfDerivativeLiability_en-US">Derivatives liabilities designated as hedging instruments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element293" xlink:to="label293" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:label="element294" />
        <label xlink:type="resource" xlink:label="label294" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_DerivativeFairValueOfDerivativeLiability_en-US">Derivatives</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element294" xlink:to="label294" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:label="element295" />
        <label xlink:type="resource" xlink:label="label295" xlink:role="http://www.xbrl.org/2003/role/positiveTerseLabel" xml:lang="en-US" id="positiveTerse_us-gaap_DerivativeFairValueOfDerivativeLiability_en-US">Derivatives</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element295" xlink:to="label295" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeByNatureAxis" xlink:label="element296" />
        <label xlink:type="resource" xlink:label="label296" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DerivativeByNatureAxis_en-US">Derivative, by Nature [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element296" xlink:to="label296" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeGainLossOnDerivativeNet" xlink:label="element297" />
        <label xlink:type="resource" xlink:label="label297" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_DerivativeGainLossOnDerivativeNet_en-US">Pretax gains (losses)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element297" xlink:to="label297" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeGainLossOnDerivativeNet" xlink:label="element298" />
        <label xlink:type="resource" xlink:label="label298" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_DerivativeGainLossOnDerivativeNet_en-US">Derivative Instruments, Gain (Loss) Recognized in Income, Net, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element298" xlink:to="label298" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeGainLossOnDerivativeNet" xlink:label="element299" />
        <label xlink:type="resource" xlink:label="label299" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DerivativeGainLossOnDerivativeNet_en-US">Derivative Instruments, Gain (Loss) Recognized in Income, Net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element299" xlink:to="label299" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeNameDomain" xlink:label="element300" />
        <label xlink:type="resource" xlink:label="label300" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DerivativeNameDomain_en-US">Derivative, Name [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element300" xlink:to="label300" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="element301" />
        <label xlink:type="resource" xlink:label="label301" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DerivativeContractTypeDomain_en-US">Derivative Contract Type [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element301" xlink:to="label301" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:label="element302" />
        <label xlink:type="resource" xlink:label="label302" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_en-US">Derivative Instruments, Gain (Loss) by Hedging Relationship [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element302" xlink:to="label302" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:label="element303" />
        <label xlink:type="resource" xlink:label="label303" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DerivativeInstrumentsGainLossLineItems_en-US">Derivative Instruments, Gain (Loss) [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element303" xlink:to="label303" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossRecognizedInIncomeIneffectivePortionAndAmountExcludedFromEffectivenessTestingNet" xlink:label="element304" />
        <label xlink:type="resource" xlink:label="label304" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_DerivativeInstrumentsGainLossRecognizedInIncomeIneffectivePortionAndAmountExcludedFromEffectivenessTestingNet_en-US">Net hedge ineffectiveness</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element304" xlink:to="label304" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossRecognizedInIncomeIneffectivePortionAndAmountExcludedFromEffectivenessTestingNet" xlink:label="element305" />
        <label xlink:type="resource" xlink:label="label305" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_DerivativeInstrumentsGainLossRecognizedInIncomeIneffectivePortionAndAmountExcludedFromEffectivenessTestingNet_en-US">Derivative Instruments, Gain (Loss) Recognized in Income, Ineffective Portion and Amount Excluded from Effectiveness Testing, Net, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element305" xlink:to="label305" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossRecognizedInIncomeIneffectivePortionAndAmountExcludedFromEffectivenessTestingNet" xlink:label="element306" />
        <label xlink:type="resource" xlink:label="label306" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DerivativeInstrumentsGainLossRecognizedInIncomeIneffectivePortionAndAmountExcludedFromEffectivenessTestingNet_en-US">Derivative Instruments, Gain (Loss) Recognized in Income, Ineffective Portion and Amount Excluded from Effectiveness Testing, Net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element306" xlink:to="label306" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet" xlink:label="element307" />
        <label xlink:type="resource" xlink:label="label307" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet_en-US">Amount reclassified from AOCI into income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element307" xlink:to="label307" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet" xlink:label="element308" />
        <label xlink:type="resource" xlink:label="label308" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet_en-US">Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element308" xlink:to="label308" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:label="element309" />
        <label xlink:type="resource" xlink:label="label309" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_en-US">Derivative Instruments, Gain (Loss) by Hedging Relationship, by Income Statement Location, by Derivative Instrument Risk [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element309" xlink:to="label309" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativesPolicyTextBlock" xlink:label="element310" />
        <label xlink:type="resource" xlink:label="label310" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_DerivativesPolicyTextBlock_en-US">Derivatives</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element310" xlink:to="label310" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativesPolicyTextBlock" xlink:label="element311" />
        <label xlink:type="resource" xlink:label="label311" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DerivativesPolicyTextBlock_en-US">Derivatives, Policy [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element311" xlink:to="label311" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativesFairValueLineItems" xlink:label="element312" />
        <label xlink:type="resource" xlink:label="label312" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DerivativesFairValueLineItems_en-US">Derivatives, Fair Value [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element312" xlink:to="label312" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DisclosureTextBlockAbstract" xlink:label="element313" />
        <label xlink:type="resource" xlink:label="label313" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_DisclosureTextBlockAbstract_en-US">Disclosure Text Block [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element313" xlink:to="label313" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasicAbstract" xlink:label="element314" />
        <label xlink:type="resource" xlink:label="label314" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_EarningsPerShareBasicAbstract_en-US">Earnings Per Common Share, Basic [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element314" xlink:to="label314" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasicAbstract" xlink:label="element315" />
        <label xlink:type="resource" xlink:label="label315" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_EarningsPerShareBasicAbstract_en-US">Basic EPS:</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element315" xlink:to="label315" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasicAbstract" xlink:label="element316" />
        <label xlink:type="resource" xlink:label="label316" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_EarningsPerShareBasicAbstract_en-US">Earnings Per Share, Basic [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element316" xlink:to="label316" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDilutedAbstract" xlink:label="element317" />
        <label xlink:type="resource" xlink:label="label317" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_EarningsPerShareDilutedAbstract_en-US">Earnings Per Common Share, Diluted [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element317" xlink:to="label317" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDilutedAbstract" xlink:label="element318" />
        <label xlink:type="resource" xlink:label="label318" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_EarningsPerShareDilutedAbstract_en-US">Diluted EPS:</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element318" xlink:to="label318" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDilutedAbstract" xlink:label="element319" />
        <label xlink:type="resource" xlink:label="label319" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_EarningsPerShareDilutedAbstract_en-US">Earnings Per Share, Diluted [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element319" xlink:to="label319" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareReconciliationAbstract" xlink:label="element320" />
        <label xlink:type="resource" xlink:label="label320" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_EarningsPerShareReconciliationAbstract_en-US">Earnings per share reconciliation [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element320" xlink:to="label320" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareReconciliationAbstract" xlink:label="element321" />
        <label xlink:type="resource" xlink:label="label321" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_EarningsPerShareReconciliationAbstract_en-US">Earnings Per Share Reconciliation [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element321" xlink:to="label321" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareTextBlock" xlink:label="element322" />
        <label xlink:type="resource" xlink:label="label322" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_EarningsPerShareTextBlock_en-US">Earnings Per Common Share (EPS)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element322" xlink:to="label322" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareTextBlock" xlink:label="element323" />
        <label xlink:type="resource" xlink:label="label323" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_EarningsPerShareTextBlock_en-US">Earnings per Share [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element323" xlink:to="label323" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:label="element324" />
        <label xlink:type="resource" xlink:label="label324" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_EarningsPerShareBasic_en-US">Net income attributable to common shareholders</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element324" xlink:to="label324" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:label="element325" />
        <label xlink:type="resource" xlink:label="label325" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_EarningsPerShareBasic_en-US">Net income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element325" xlink:to="label325" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:label="element326" />
        <label xlink:type="resource" xlink:label="label326" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_EarningsPerShareBasic_en-US">Earnings Per Share, Basic</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element326" xlink:to="label326" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:label="element327" />
        <label xlink:type="resource" xlink:label="label327" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_EarningsPerShareBasic_en-US">Net income attributable to common shareholders</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element327" xlink:to="label327" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:label="element328" />
        <label xlink:type="resource" xlink:label="label328" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_EarningsPerShareDiluted_en-US">Net income attributable to common shareholders</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element328" xlink:to="label328" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:label="element329" />
        <label xlink:type="resource" xlink:label="label329" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_EarningsPerShareDiluted_en-US">Net income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element329" xlink:to="label329" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:label="element330" />
        <label xlink:type="resource" xlink:label="label330" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_EarningsPerShareDiluted_en-US">Earnings Per Share, Diluted</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element330" xlink:to="label330" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:label="element331" />
        <label xlink:type="resource" xlink:label="label331" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_EarningsPerShareDiluted_en-US">Net income attributable to common shareholders</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element331" xlink:to="label331" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="element332" />
        <label xlink:type="resource" xlink:label="label332" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_EarningsPerShareAbstract_en-US">Earnings per Common Share: (Note 13)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element332" xlink:to="label332" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="element333" />
        <label xlink:type="resource" xlink:label="label333" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_EarningsPerShareAbstract_en-US">Earnings Per Share [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element333" xlink:to="label333" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="element334" />
        <label xlink:type="resource" xlink:label="label334" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_EarningsPerShareAbstract_en-US">Basic EPS:</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element334" xlink:to="label334" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents" xlink:label="element335" />
        <label xlink:type="resource" xlink:label="label335" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents_en-US">Effect of exchange rate changes on cash</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element335" xlink:to="label335" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents" xlink:label="element336" />
        <label xlink:type="resource" xlink:label="label336" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents_en-US">Effect of exchange rate changes on cash and cash equivalents</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element336" xlink:to="label336" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents" xlink:label="element337" />
        <label xlink:type="resource" xlink:label="label337" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents_en-US">Effect of Exchange Rate on Cash and Cash Equivalents</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element337" xlink:to="label337" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:label="element338" />
        <label xlink:type="resource" xlink:label="label338" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_EffectiveIncomeTaxRateContinuingOperations_en-US">Actual tax rates</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element338" xlink:to="label338" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:label="element339" />
        <label xlink:type="resource" xlink:label="label339" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_EffectiveIncomeTaxRateContinuingOperations_en-US">Effective tax rate</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element339" xlink:to="label339" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:label="element340" />
        <label xlink:type="resource" xlink:label="label340" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_EffectiveIncomeTaxRateContinuingOperations_en-US">Effective Income Tax Rate, Continuing Operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element340" xlink:to="label340" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:label="element341" />
        <label xlink:type="resource" xlink:label="label341" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_EffectiveIncomeTaxRateContinuingOperations_en-US">Actual tax rates</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element341" xlink:to="label341" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvestmentOwnershipPercentage" xlink:label="element342" />
        <label xlink:type="resource" xlink:label="label342" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_EquityMethodInvestmentOwnershipPercentage_en-US">Equity Method Investment Ownership Percentage</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element342" xlink:to="label342" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvestmentOwnershipPercentage" xlink:label="element343" />
        <label xlink:type="resource" xlink:label="label343" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_EquityMethodInvestmentOwnershipPercentage_en-US">Ownership percentage by the Company</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element343" xlink:to="label343" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvesteeNameDomain" xlink:label="element344" />
        <label xlink:type="resource" xlink:label="label344" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_EquityMethodInvesteeNameDomain_en-US">Equity Method Investee, Name [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element344" xlink:to="label344" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="element345" />
        <label xlink:type="resource" xlink:label="label345" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_EquityComponentDomain_en-US">Equity Component [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element345" xlink:to="label345" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquitySecuritiesMember" xlink:label="element346" />
        <label xlink:type="resource" xlink:label="label346" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_EquitySecuritiesMember_en-US">Equity securities [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element346" xlink:to="label346" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvestmentsFairValueDisclosure" xlink:label="element347" />
        <label xlink:type="resource" xlink:label="label347" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_EquityMethodInvestmentsFairValueDisclosure_en-US">Equity Method Investments Fair Value Disclosure</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element347" xlink:to="label347" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvestmentsFairValueDisclosure" xlink:label="element348" />
        <label xlink:type="resource" xlink:label="label348" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_EquityMethodInvestmentsFairValueDisclosure_en-US">Fair value portion of investments accounted under the equity method.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element348" xlink:to="label348" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityContractMember" xlink:label="element349" />
        <label xlink:type="resource" xlink:label="label349" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_EquityContractMember_en-US">Equity-linked contract [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element349" xlink:to="label349" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:label="element350" />
        <label xlink:type="resource" xlink:label="label350" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_EstimateOfFairValueFairValueDisclosureMember_en-US">Fair Value [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element350" xlink:to="label350" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:label="element351" />
        <label xlink:type="resource" xlink:label="label351" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_EstimateOfFairValueFairValueDisclosureMember_en-US">Estimate of Fair Value, Fair Value Disclosure [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element351" xlink:to="label351" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:label="element352" />
        <label xlink:type="resource" xlink:label="label352" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueByMeasurementFrequencyAxis_en-US">Measurement Frequency [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element352" xlink:to="label352" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:label="element353" />
        <label xlink:type="resource" xlink:label="label353" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FairValueByMeasurementFrequencyAxis_en-US">Fair Value by Measurement Frequency [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element353" xlink:to="label353" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="element354" />
        <label xlink:type="resource" xlink:label="label354" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_en-US">Fair Value Assets Measured On Recurring Basis [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element354" xlink:to="label354" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="element355" />
        <label xlink:type="resource" xlink:label="label355" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueByFairValueHierarchyLevelAxis_en-US">Fair Value, Assets Measured on Recurring Basis, Disclosure Items [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element355" xlink:to="label355" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:label="element356" />
        <label xlink:type="resource" xlink:label="label356" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueMeasurementFrequencyDomain_en-US">Fair Value, Measurement Frequency [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element356" xlink:to="label356" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" xlink:label="element357" />
        <label xlink:type="resource" xlink:label="label357" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_en-US">Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element357" xlink:to="label357" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementBasisAxis" xlink:label="element358" />
        <label xlink:type="resource" xlink:label="label358" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueByMeasurementBasisAxis_en-US">Measurement Basis [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element358" xlink:to="label358" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="element359" />
        <label xlink:type="resource" xlink:label="label359" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_en-US">Fair Value Assets Measured On Recurring Basis Financial Statement Captions [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element359" xlink:to="label359" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="element360" />
        <label xlink:type="resource" xlink:label="label360" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_en-US">Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element360" xlink:to="label360" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosuresAbstract" xlink:label="element361" />
        <label xlink:type="resource" xlink:label="label361" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueDisclosuresAbstract_en-US">Fair Value (Disclosures) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element361" xlink:to="label361" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsNonrecurringMember" xlink:label="element362" />
        <label xlink:type="resource" xlink:label="label362" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueMeasurementsNonrecurringMember_en-US">Fair Value, Measurements, Nonrecurring [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element362" xlink:to="label362" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="element363" />
        <label xlink:type="resource" xlink:label="label363" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_en-US">Fair Value, Assets Measured on Recurring Basis, Disclosure Items [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element363" xlink:to="label363" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueOfFinancialInstrumentsPolicy" xlink:label="element364" />
        <label xlink:type="resource" xlink:label="label364" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueOfFinancialInstrumentsPolicy_en-US">Fair Value of Financial Instruments, Policy [Policy Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element364" xlink:to="label364" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueOfFinancialInstrumentsPolicy" xlink:label="element365" />
        <label xlink:type="resource" xlink:label="label365" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FairValueOfFinancialInstrumentsPolicy_en-US">Fair Values</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element365" xlink:to="label365" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged" xlink:label="element366" />
        <label xlink:type="resource" xlink:label="label366" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged_en-US">Securities received as collateral</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element366" xlink:to="label366" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged" xlink:label="element367" />
        <label xlink:type="resource" xlink:label="label367" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged_en-US">Fair Value of Securities Received as Collateral that Can be Resold or Repledged</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element367" xlink:to="label367" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosuresTextBlock" xlink:label="element368" />
        <label xlink:type="resource" xlink:label="label368" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FairValueDisclosuresTextBlock_en-US">Fair Values</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element368" xlink:to="label368" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosuresTextBlock" xlink:label="element369" />
        <label xlink:type="resource" xlink:label="label369" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueDisclosuresTextBlock_en-US">Fair Value Disclosures [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element369" xlink:to="label369" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:label="element370" />
        <label xlink:type="resource" xlink:label="label370" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_en-US">Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element370" xlink:to="label370" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:label="element371" />
        <label xlink:type="resource" xlink:label="label371" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_en-US">Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element371" xlink:to="label371" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTable" xlink:label="element372" />
        <label xlink:type="resource" xlink:label="label372" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueByBalanceSheetGroupingTable_en-US">Fair Value, by Balance Sheet Grouping [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element372" xlink:to="label372" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:label="element373" />
        <label xlink:type="resource" xlink:label="label373" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueDisclosureItemAmountsDomain_en-US">Fair Value, Disclosure Item Amounts [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element373" xlink:to="label373" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:label="element374" />
        <label xlink:type="resource" xlink:label="label374" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FairValueByBalanceSheetGroupingTextBlock_en-US">Estimated fair value of financial assets and financial liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element374" xlink:to="label374" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:label="element375" />
        <label xlink:type="resource" xlink:label="label375" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueByBalanceSheetGroupingTextBlock_en-US">Fair Value, by Balance Sheet Grouping [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element375" xlink:to="label375" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="element376" />
        <label xlink:type="resource" xlink:label="label376" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueInputsLevel3Member_en-US">Level 3 [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element376" xlink:to="label376" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:label="element377" />
        <label xlink:type="resource" xlink:label="label377" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueInputsLevel1Member_en-US">Level 1 [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element377" xlink:to="label377" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:label="element378" />
        <label xlink:type="resource" xlink:label="label378" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueInputsLevel2Member_en-US">Level 2 [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element378" xlink:to="label378" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="element379" />
        <label xlink:type="resource" xlink:label="label379" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_en-US">Fair Values Derivatives, Balance Sheet Location, by Derivative Contract Type [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element379" xlink:to="label379" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueHedgingMember" xlink:label="element380" />
        <label xlink:type="resource" xlink:label="label380" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FairValueHedgingMember_en-US">Fair Value Hedges [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element380" xlink:to="label380" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueHedgingMember" xlink:label="element381" />
        <label xlink:type="resource" xlink:label="label381" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FairValueHedgingMember_en-US">Fair Value Hedging [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element381" xlink:to="label381" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsOther" xlink:label="element382" />
        <label xlink:type="resource" xlink:label="label382" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FeesAndCommissionsOther_en-US">Fees and Commissions, Other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element382" xlink:to="label382" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsOther" xlink:label="element383" />
        <label xlink:type="resource" xlink:label="label383" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_FeesAndCommissionsOther_en-US">Detail of other commissions and fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element383" xlink:to="label383" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsOther" xlink:label="element384" />
        <label xlink:type="resource" xlink:label="label384" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_FeesAndCommissionsOther_en-US">Total other commissions and fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element384" xlink:to="label384" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsOther" xlink:label="element385" />
        <label xlink:type="resource" xlink:label="label385" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FeesAndCommissionsOther_en-US">Other commissions and fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element385" xlink:to="label385" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsCreditCards" xlink:label="element386" />
        <label xlink:type="resource" xlink:label="label386" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FeesAndCommissionsCreditCards_en-US">Fees and Commissions, Credit Cards</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element386" xlink:to="label386" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsCreditCards" xlink:label="element387" />
        <label xlink:type="resource" xlink:label="label387" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FeesAndCommissionsCreditCards_en-US">Net card fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element387" xlink:to="label387" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:label="element388" />
        <label xlink:type="resource" xlink:label="label388" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinanceLoansAndLeasesReceivablePolicy_en-US">Finance, Loans and Leases Receivable, Policy [Policy Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element388" xlink:to="label388" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:label="element389" />
        <label xlink:type="resource" xlink:label="label389" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FinanceLoansAndLeasesReceivablePolicy_en-US">Card Member and Other Receivables and Loans</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element389" xlink:to="label389" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:label="element390" />
        <label xlink:type="resource" xlink:label="label390" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_en-US">Financial Liabilities:</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element390" xlink:to="label390" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:label="element391" />
        <label xlink:type="resource" xlink:label="label391" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_en-US">Financial Instruments, Financial Liabilities, Balance Sheet Groupings [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element391" xlink:to="label391" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:label="element392" />
        <label xlink:type="resource" xlink:label="label392" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_en-US">Financial Assets:</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element392" xlink:to="label392" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:label="element393" />
        <label xlink:type="resource" xlink:label="label393" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_en-US">Financial Instruments, Financial Assets, Balance Sheet Groupings [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element393" xlink:to="label393" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" xlink:label="element394" />
        <label xlink:type="resource" xlink:label="label394" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_en-US">Financing Receivable Recorded Investment Aging [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element394" xlink:to="label394" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" xlink:label="element395" />
        <label xlink:type="resource" xlink:label="label395" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_en-US">Financing receivable recorded investment aging</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element395" xlink:to="label395" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="element396" />
        <label xlink:type="resource" xlink:label="label396" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancingReceivableModificationsLineItems_en-US">Financing Receivable, Modifications [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element396" xlink:to="label396" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:label="element397" />
        <label xlink:type="resource" xlink:label="label397" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_en-US">Loans And Leases Receivable Impaired Nonperforming Over 90 Days Accrual Of Interest</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element397" xlink:to="label397" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:label="element398" />
        <label xlink:type="resource" xlink:label="label398" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_en-US">Loans over 90 days past due and accruing interest</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element398" xlink:to="label398" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1" xlink:label="element399" />
        <label xlink:type="resource" xlink:label="label399" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1_en-US">Financing Receivable, Modifications, Subsequent Default, Number of Contracts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element399" xlink:to="label399" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1" xlink:label="element400" />
        <label xlink:type="resource" xlink:label="label400" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1_en-US">Number of Accounts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element400" xlink:to="label400" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" xlink:label="element401" />
        <label xlink:type="resource" xlink:label="label401" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1_en-US">Financing Receivable, Modifications, Subsequent Default, Recorded Investment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element401" xlink:to="label401" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" xlink:label="element402" />
        <label xlink:type="resource" xlink:label="label402" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1_en-US">Aggregated Outstanding Balance Upon Payment Default</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element402" xlink:to="label402" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" xlink:label="element403" />
        <label xlink:type="resource" xlink:label="label403" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1_en-US">Post-Modification Outstanding Balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element403" xlink:to="label403" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsNumberOfContracts2" xlink:label="element404" />
        <label xlink:type="resource" xlink:label="label404" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancingReceivableModificationsNumberOfContracts2_en-US">Financing Receivable, Modifications, Number of Contracts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element404" xlink:to="label404" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsNumberOfContracts2" xlink:label="element405" />
        <label xlink:type="resource" xlink:label="label405" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FinancingReceivableModificationsNumberOfContracts2_en-US">Number of Accounts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element405" xlink:to="label405" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:label="element406" />
        <label xlink:type="resource" xlink:label="label406" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_en-US">Financing Receivable, Modifications, Post-Modification Recorded Investment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element406" xlink:to="label406" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:label="element407" />
        <label xlink:type="resource" xlink:label="label407" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_en-US">Outstanding Balance Upon Payment Default</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element407" xlink:to="label407" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:label="element408" />
        <label xlink:type="resource" xlink:label="label408" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_en-US">Aggregated Outstanding Balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element408" xlink:to="label408" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" xlink:label="element409" />
        <label xlink:type="resource" xlink:label="label409" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_en-US">Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element409" xlink:to="label409" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" xlink:label="element410" />
        <label xlink:type="resource" xlink:label="label410" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_en-US">Reserves on Card Member receivables evaluated individually for impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element410" xlink:to="label410" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue" xlink:label="element411" />
        <label xlink:type="resource" xlink:label="label411" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue_en-US">Financing Receivable Recorded Investment Thirty To Fifty Nine Days Past Due</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element411" xlink:to="label411" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue" xlink:label="element412" />
        <label xlink:type="resource" xlink:label="label412" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue_en-US">30 to 59 days past due</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element412" xlink:to="label412" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivablesTextBlock" xlink:label="element413" />
        <label xlink:type="resource" xlink:label="label413" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FinancingReceivablesTextBlock_en-US">Accounts Receivable and Loans</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element413" xlink:to="label413" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivablesTextBlock" xlink:label="element414" />
        <label xlink:type="resource" xlink:label="label414" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancingReceivablesTextBlock_en-US">Loans, Notes, Trade and Other Receivables Disclosure [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element414" xlink:to="label414" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsRecordedInvestment" xlink:label="element415" />
        <label xlink:type="resource" xlink:label="label415" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancingReceivableModificationsRecordedInvestment_en-US">Loans And Leases Receivable Impaired Troubled Debt Restructuring Amount</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element415" xlink:to="label415" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsRecordedInvestment" xlink:label="element416" />
        <label xlink:type="resource" xlink:label="label416" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FinancingReceivableModificationsRecordedInvestment_en-US">Loans and receivables modified as a Troubled Debt Restructuring</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element416" xlink:to="label416" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="element417" />
        <label xlink:type="resource" xlink:label="label417" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_en-US">Financing Receivable Recorded Investment Class Of Financing Receivable [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element417" xlink:to="label417" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="element418" />
        <label xlink:type="resource" xlink:label="label418" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_en-US">Class of Financing Receivable [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element418" xlink:to="label418" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" xlink:label="element419" />
        <label xlink:type="resource" xlink:label="label419" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue_en-US">Financing Receivable Recorded Investment Equal To Greater Than Ninety Days Past Due</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element419" xlink:to="label419" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" xlink:label="element420" />
        <label xlink:type="resource" xlink:label="label420" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue_en-US">90+ days past due</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element420" xlink:to="label420" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue" xlink:label="element421" />
        <label xlink:type="resource" xlink:label="label421" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue_en-US">Financing Receivable Recorded Investment Sixty To Eighty Nine Days Past Due</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element421" xlink:to="label421" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue" xlink:label="element422" />
        <label xlink:type="resource" xlink:label="label422" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue_en-US">60 to 89 days past due</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element422" xlink:to="label422" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems" xlink:label="element423" />
        <label xlink:type="resource" xlink:label="label423" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancingReceivableImpairedLineItems_en-US">Financing Receivable Impaired [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element423" xlink:to="label423" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:label="element424" />
        <label xlink:type="resource" xlink:label="label424" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment_en-US">Card Member receivables evaluated individually for impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element424" xlink:to="label424" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:label="element425" />
        <label xlink:type="resource" xlink:label="label425" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment_en-US">Financing Receivable, Individually Evaluated for Impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element425" xlink:to="label425" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:label="element426" />
        <label xlink:type="resource" xlink:label="label426" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_en-US">Financing Receivable Credit Quality Indicators Table [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element426" xlink:to="label426" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:label="element427" />
        <label xlink:type="resource" xlink:label="label427" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_en-US">Credit quality indicators for loans and receivables</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element427" xlink:to="label427" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="element428" />
        <label xlink:type="resource" xlink:label="label428" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_en-US">Financing Receivable Recorded Investment By Class Of Financing Receivable [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element428" xlink:to="label428" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="element429" />
        <label xlink:type="resource" xlink:label="label429" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_en-US">Class of Financing Receivable [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element429" xlink:to="label429" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" xlink:label="element430" />
        <label xlink:type="resource" xlink:label="label430" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment_en-US">Financing Receivable, Collectively Evaluated for Impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element430" xlink:to="label430" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" xlink:label="element431" />
        <label xlink:type="resource" xlink:label="label431" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment_en-US">Card Member receivables evaluated collectively for impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element431" xlink:to="label431" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:label="element432" />
        <label xlink:type="resource" xlink:label="label432" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_en-US">Financing Receivable, Troubled Debt Restructurings [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element432" xlink:to="label432" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:label="element433" />
        <label xlink:type="resource" xlink:label="label433" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_en-US">Financing Receivable, Troubled Debt Restructurings that Subsequently Defaulted [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element433" xlink:to="label433" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" xlink:label="element434" />
        <label xlink:type="resource" xlink:label="label434" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_en-US">Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element434" xlink:to="label434" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" xlink:label="element435" />
        <label xlink:type="resource" xlink:label="label435" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_en-US">Reserves on Card Member receivables evaluated collectively for impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element435" xlink:to="label435" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ForeignGovernmentDebtSecuritiesMember" xlink:label="element436" />
        <label xlink:type="resource" xlink:label="label436" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ForeignGovernmentDebtSecuritiesMember_en-US">Foreign government bonds and obligations [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element436" xlink:to="label436" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ForeignExchangeContractMember" xlink:label="element437" />
        <label xlink:type="resource" xlink:label="label437" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ForeignExchangeContractMember_en-US">Foreign exchange contracts [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element437" xlink:to="label437" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnFairValueHedgeIneffectivenessNet" xlink:label="element438" />
        <label xlink:type="resource" xlink:label="label438" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_GainLossOnFairValueHedgeIneffectivenessNet_en-US">Net hedge ineffectiveness</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element438" xlink:to="label438" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnFairValueHedgeIneffectivenessNet" xlink:label="element439" />
        <label xlink:type="resource" xlink:label="label439" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_GainLossOnFairValueHedgeIneffectivenessNet_en-US">Net hedge ineffectiveness</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element439" xlink:to="label439" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnFairValueHedgeIneffectivenessNet" xlink:label="element440" />
        <label xlink:type="resource" xlink:label="label440" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_GainLossOnFairValueHedgeIneffectivenessNet_en-US">Gain (Loss) on Fair Value Hedge Ineffectiveness, Net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element440" xlink:to="label440" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnFairValueHedgeIneffectivenessNet" xlink:label="element441" />
        <label xlink:type="resource" xlink:label="label441" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xml:lang="en-US" id="NegatedTotal_us-gaap_GainLossOnFairValueHedgeIneffectivenessNet_en-US">Net hedge ineffectiveness</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element441" xlink:to="label441" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnInvestmentsTextBlock" xlink:label="element442" />
        <label xlink:type="resource" xlink:label="label442" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_GainLossOnInvestmentsTextBlock_en-US">Gain (Loss) on Investments [Table Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element442" xlink:to="label442" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnInvestmentsTextBlock" xlink:label="element443" />
        <label xlink:type="resource" xlink:label="label443" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_GainLossOnInvestmentsTextBlock_en-US">Gross realized gains and losses on the sales of investment securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element443" xlink:to="label443" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeTypeOtherMember" xlink:label="element444" />
        <label xlink:type="resource" xlink:label="label444" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_GuaranteeTypeOtherMember_en-US">Other Guarantees [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element444" xlink:to="label444" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsByNatureAxis" xlink:label="element445" />
        <label xlink:type="resource" xlink:label="label445" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_GuaranteeObligationsByNatureAxis_en-US">Guarantor Obligations by Nature [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element445" xlink:to="label445" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsNatureDomain" xlink:label="element446" />
        <label xlink:type="resource" xlink:label="label446" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_GuaranteeObligationsNatureDomain_en-US">Guarantor Obligations, Nature [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element446" xlink:to="label446" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsLineItems" xlink:label="element447" />
        <label xlink:type="resource" xlink:label="label447" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_GuaranteeObligationsLineItems_en-US">Guarantor Obligations [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element447" xlink:to="label447" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsMaximumExposure" xlink:label="element448" />
        <label xlink:type="resource" xlink:label="label448" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_GuaranteeObligationsMaximumExposure_en-US">Maximum potential amount of undiscounted future payments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element448" xlink:to="label448" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsMaximumExposure" xlink:label="element449" />
        <label xlink:type="resource" xlink:label="label449" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_GuaranteeObligationsMaximumExposure_en-US">Guarantor Obligations, Maximum Exposure, Undiscounted</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element449" xlink:to="label449" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsCurrentCarryingValue" xlink:label="element450" />
        <label xlink:type="resource" xlink:label="label450" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_GuaranteeObligationsCurrentCarryingValue_en-US">Amount of related liability</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element450" xlink:to="label450" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsCurrentCarryingValue" xlink:label="element451" />
        <label xlink:type="resource" xlink:label="label451" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_GuaranteeObligationsCurrentCarryingValue_en-US">Guarantor Obligations, Current Carrying Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element451" xlink:to="label451" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsCurrentCarryingValue" xlink:label="element452" />
        <label xlink:type="resource" xlink:label="label452" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_GuaranteeObligationsCurrentCarryingValue_en-US">Amount of related liability</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element452" xlink:to="label452" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteesAbstract" xlink:label="element453" />
        <label xlink:type="resource" xlink:label="label453" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_GuaranteesAbstract_en-US">Guarantees [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element453" xlink:to="label453" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteesTextBlock" xlink:label="element454" />
        <label xlink:type="resource" xlink:label="label454" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_GuaranteesTextBlock_en-US">Guarantees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element454" xlink:to="label454" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteesTextBlock" xlink:label="element455" />
        <label xlink:type="resource" xlink:label="label455" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_GuaranteesTextBlock_en-US">Guarantees [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element455" xlink:to="label455" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingDesignationAxis" xlink:label="element456" />
        <label xlink:type="resource" xlink:label="label456" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_HedgingDesignationAxis_en-US">Hedging Designation [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element456" xlink:to="label456" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingDesignationDomain" xlink:label="element457" />
        <label xlink:type="resource" xlink:label="label457" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_HedgingDesignationDomain_en-US">Hedging Designation [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element457" xlink:to="label457" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingRelationshipDomain" xlink:label="element458" />
        <label xlink:type="resource" xlink:label="label458" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_HedgingRelationshipDomain_en-US">Hedging Relationship [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element458" xlink:to="label458" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivablesTableTextBlock" xlink:label="element459" />
        <label xlink:type="resource" xlink:label="label459" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ImpairedFinancingReceivablesTableTextBlock_en-US">Impaired Financing Receivables Table [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element459" xlink:to="label459" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivablesTableTextBlock" xlink:label="element460" />
        <label xlink:type="resource" xlink:label="label460" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ImpairedFinancingReceivablesTableTextBlock_en-US">Impaired Card Member loans and receivables</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element460" xlink:to="label460" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment" xlink:label="element461" />
        <label xlink:type="resource" xlink:label="label461" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment_en-US">Average balance of impaired loans</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element461" xlink:to="label461" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment" xlink:label="element462" />
        <label xlink:type="resource" xlink:label="label462" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment_en-US">Loans And Leases Receivable Impaired Average Investment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element462" xlink:to="label462" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:label="element463" />
        <label xlink:type="resource" xlink:label="label463" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_ImpairedFinancingReceivableRecordedInvestment_en-US">Total impaired loans and receivables</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element463" xlink:to="label463" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:label="element464" />
        <label xlink:type="resource" xlink:label="label464" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ImpairedFinancingReceivableRecordedInvestment_en-US">Loans And Leases Receivable Impaired At Carrying Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element464" xlink:to="label464" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:label="element465" />
        <label xlink:type="resource" xlink:label="label465" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ImpairedFinancingReceivableRelatedAllowance_en-US">Loans And Leases Receivable Impaired Allowance For Loan Losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element465" xlink:to="label465" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:label="element466" />
        <label xlink:type="resource" xlink:label="label466" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ImpairedFinancingReceivableRelatedAllowance_en-US">Related allowance for Troubled Debt Restructurings</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element466" xlink:to="label466" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod" xlink:label="element467" />
        <label xlink:type="resource" xlink:label="label467" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod_en-US">Loans And Leases Receivable Impaired Interest Income Recognized</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element467" xlink:to="label467" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod" xlink:label="element468" />
        <label xlink:type="resource" xlink:label="label468" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod_en-US">Interest income recognized</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element468" xlink:to="label468" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsPerBasicShare" xlink:label="element469" />
        <label xlink:type="resource" xlink:label="label469" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_en-US">Income from continuing operations attributable to common shareholders</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element469" xlink:to="label469" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsPerBasicShare" xlink:label="element470" />
        <label xlink:type="resource" xlink:label="label470" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_en-US">Income (Loss) from Continuing Operations, Per Basic Share</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element470" xlink:to="label470" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsPerBasicShare" xlink:label="element471" />
        <label xlink:type="resource" xlink:label="label471" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_en-US">Continuing operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element471" xlink:to="label471" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperations" xlink:label="element472" />
        <label xlink:type="resource" xlink:label="label472" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_IncomeLossFromContinuingOperations_en-US">Net Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element472" xlink:to="label472" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperations" xlink:label="element473" />
        <label xlink:type="resource" xlink:label="label473" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_IncomeLossFromContinuingOperations_en-US">Income from continuing operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element473" xlink:to="label473" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperations" xlink:label="element474" />
        <label xlink:type="resource" xlink:label="label474" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncomeLossFromContinuingOperations_en-US">Income (Loss) from Continuing Operations Attributable to Parent</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element474" xlink:to="label474" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperations" xlink:label="element475" />
        <label xlink:type="resource" xlink:label="label475" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_IncomeLossFromContinuingOperations_en-US">Benefit related to accounting for a net investment in foreign subsidiaries and change in fair value of certain forward exchange contracts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element475" xlink:to="label475" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperations" xlink:label="element476" />
        <label xlink:type="resource" xlink:label="label476" xlink:role="http://www.xbrl.org/2003/role/positiveTerseLabel" xml:lang="en-US" id="positiveTerse_us-gaap_IncomeLossFromContinuingOperations_en-US">Net income attributable to common shareholders</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element476" xlink:to="label476" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare" xlink:label="element477" />
        <label xlink:type="resource" xlink:label="label477" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare_en-US">Loss from discontinued operations, net of tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element477" xlink:to="label477" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare" xlink:label="element478" />
        <label xlink:type="resource" xlink:label="label478" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare_en-US">Income (Loss) from Discontinued Operations, Net of Tax, Per Diluted Share</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element478" xlink:to="label478" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare" xlink:label="element479" />
        <label xlink:type="resource" xlink:label="label479" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare_en-US">Income from discontinued operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element479" xlink:to="label479" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare" xlink:label="element480" />
        <label xlink:type="resource" xlink:label="label480" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare_en-US">Income (Loss) from Discontinued Operations, Net of Tax, Per Diluted Share</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element480" xlink:to="label480" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="element481" />
        <label xlink:type="resource" xlink:label="label481" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncomeStatementAbstract_en-US">Consolidated Statements of Income [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element481" xlink:to="label481" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="element482" />
        <label xlink:type="resource" xlink:label="label482" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_en-US">Pretax income from continuing operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element482" xlink:to="label482" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="element483" />
        <label xlink:type="resource" xlink:label="label483" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_en-US">Pretax income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element483" xlink:to="label483" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="element484" />
        <label xlink:type="resource" xlink:label="label484" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_en-US">Net loss before equity in net income of subsidiaries and affiliates</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element484" xlink:to="label484" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="element485" />
        <label xlink:type="resource" xlink:label="label485" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_en-US">Income (Loss) from Continuing Operations before Equity Method Investments, Income Taxes, Extraordinary Items, Cumulative Effects of Changes in Accounting Principles, Noncontrolling Interest</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element485" xlink:to="label485" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationAxis" xlink:label="element486" />
        <label xlink:type="resource" xlink:label="label486" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncomeStatementLocationAxis_en-US">Derivative Instruments, Gain (Loss) by Income Statement Location [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element486" xlink:to="label486" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="element487" />
        <label xlink:type="resource" xlink:label="label487" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_IncomeTaxDisclosureAbstract_en-US">Income Taxes [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element487" xlink:to="label487" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="element488" />
        <label xlink:type="resource" xlink:label="label488" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncomeTaxDisclosureAbstract_en-US">Income Tax Disclosure [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element488" xlink:to="label488" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxAuthorityDomain" xlink:label="element489" />
        <label xlink:type="resource" xlink:label="label489" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncomeTaxAuthorityDomain_en-US">Income Tax Authority [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element489" xlink:to="label489" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxContingencyLineItems" xlink:label="element490" />
        <label xlink:type="resource" xlink:label="label490" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncomeTaxContingencyLineItems_en-US">Income Tax Contingency [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element490" xlink:to="label490" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare" xlink:label="element491" />
        <label xlink:type="resource" xlink:label="label491" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_en-US">Income from continuing operations attributable to common shareholders</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element491" xlink:to="label491" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare" xlink:label="element492" />
        <label xlink:type="resource" xlink:label="label492" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_en-US">Income (Loss) from Continuing Operations, Per Diluted Share</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element492" xlink:to="label492" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare" xlink:label="element493" />
        <label xlink:type="resource" xlink:label="label493" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_en-US">Continuing operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element493" xlink:to="label493" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxAuthorityAxis" xlink:label="element494" />
        <label xlink:type="resource" xlink:label="label494" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncomeTaxAuthorityAxis_en-US">Income Tax Authority [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element494" xlink:to="label494" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax" xlink:label="element495" />
        <label xlink:type="resource" xlink:label="label495" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_en-US">Income from discontinued operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element495" xlink:to="label495" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax" xlink:label="element496" />
        <label xlink:type="resource" xlink:label="label496" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_en-US">Income (Loss) from Discontinued Operations, Net of Tax, Including Portion Attributable to Noncontrolling Interest</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element496" xlink:to="label496" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax" xlink:label="element497" />
        <label xlink:type="resource" xlink:label="label497" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_en-US">Income from discontinued operations, net of tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element497" xlink:to="label497" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax" xlink:label="element498" />
        <label xlink:type="resource" xlink:label="label498" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xml:lang="en-US" id="NegatedTotal_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_en-US">Loss from discontinued operations, net of tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element498" xlink:to="label498" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax" xlink:label="element499" />
        <label xlink:type="resource" xlink:label="label499" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_en-US">Income from discontinued operations, net of tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element499" xlink:to="label499" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax" xlink:label="element500" />
        <label xlink:type="resource" xlink:label="label500" xlink:role="http://www.xbrl.org/2003/role/negativeLabel" xml:lang="en-US" id="negative_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_en-US">Discontinued operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element500" xlink:to="label500" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxDisclosureTextBlock" xlink:label="element501" />
        <label xlink:type="resource" xlink:label="label501" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_IncomeTaxDisclosureTextBlock_en-US">Income Taxes</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element501" xlink:to="label501" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxDisclosureTextBlock" xlink:label="element502" />
        <label xlink:type="resource" xlink:label="label502" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncomeTaxDisclosureTextBlock_en-US">Income Tax Disclosure [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element502" xlink:to="label502" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="element503" />
        <label xlink:type="resource" xlink:label="label503" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncomeStatementLocationDomain_en-US">Income Statement and Other Comprehensive Income Location [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element503" xlink:to="label503" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare" xlink:label="element504" />
        <label xlink:type="resource" xlink:label="label504" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare_en-US">Income from discontinued operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element504" xlink:to="label504" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare" xlink:label="element505" />
        <label xlink:type="resource" xlink:label="label505" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare_en-US">Income (Loss) from Discontinued Operations, Net of Tax, Per Basic Share</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element505" xlink:to="label505" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare" xlink:label="element506" />
        <label xlink:type="resource" xlink:label="label506" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare_en-US">Discontinued operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element506" xlink:to="label506" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxContingencyTable" xlink:label="element507" />
        <label xlink:type="resource" xlink:label="label507" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncomeTaxContingencyTable_en-US">Income Tax Contingency [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element507" xlink:to="label507" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="element508" />
        <label xlink:type="resource" xlink:label="label508" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_IncomeTaxExpenseBenefit_en-US">Income tax provision</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element508" xlink:to="label508" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="element509" />
        <label xlink:type="resource" xlink:label="label509" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_IncomeTaxExpenseBenefit_en-US">Income tax provision</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element509" xlink:to="label509" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="element510" />
        <label xlink:type="resource" xlink:label="label510" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_IncomeTaxExpenseBenefit_en-US">Income tax benefit</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element510" xlink:to="label510" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="element511" />
        <label xlink:type="resource" xlink:label="label511" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncomeTaxExpenseBenefit_en-US">Income Tax Expense (Benefit)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element511" xlink:to="label511" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance" xlink:label="element512" />
        <label xlink:type="resource" xlink:label="label512" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance_en-US">Income Tax Reconciliation Change in Deferred Tax Assets Valuation Allowance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element512" xlink:to="label512" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance" xlink:label="element513" />
        <label xlink:type="resource" xlink:label="label513" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance_en-US">Tax benefit resulting from change in valuation allowance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element513" xlink:to="label513" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInDeposits" xlink:label="element514" />
        <label xlink:type="resource" xlink:label="label514" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_IncreaseDecreaseInDeposits_en-US">Net increase in customer deposits</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element514" xlink:to="label514" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInDeposits" xlink:label="element515" />
        <label xlink:type="resource" xlink:label="label515" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncreaseDecreaseInDeposits_en-US">Increase (Decrease) in Deposits</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element515" xlink:to="label515" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities" xlink:label="element516" />
        <label xlink:type="resource" xlink:label="label516" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities_en-US">Accounts payable and other liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element516" xlink:to="label516" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities" xlink:label="element517" />
        <label xlink:type="resource" xlink:label="label517" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities_en-US">Increase (Decrease) in Accounts Payable And Other Liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element517" xlink:to="label517" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:label="element518" />
        <label xlink:type="resource" xlink:label="label518" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_en-US">Changes in operating assets and liabilities, net of effects of acquisitions and dispositions:</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element518" xlink:to="label518" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:label="element519" />
        <label xlink:type="resource" xlink:label="label519" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_en-US">Increase (Decrease) in Operating Capital [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element519" xlink:to="label519" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInOtherReceivables" xlink:label="element520" />
        <label xlink:type="resource" xlink:label="label520" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_IncreaseDecreaseInOtherReceivables_en-US">Other receivables</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element520" xlink:to="label520" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInOtherReceivables" xlink:label="element521" />
        <label xlink:type="resource" xlink:label="label521" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncreaseDecreaseInOtherReceivables_en-US">Increase (Decrease) in Other Receivables</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element521" xlink:to="label521" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInOtherReceivables" xlink:label="element522" />
        <label xlink:type="resource" xlink:label="label522" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_IncreaseDecreaseInOtherReceivables_en-US">Other receivables</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element522" xlink:to="label522" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:label="element523" />
        <label xlink:type="resource" xlink:label="label523" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_IncreaseDecreaseInOtherOperatingAssets_en-US">Other assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element523" xlink:to="label523" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:label="element524" />
        <label xlink:type="resource" xlink:label="label524" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncreaseDecreaseInOtherOperatingAssets_en-US">Increase (Decrease) in Other Operating Assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element524" xlink:to="label524" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:label="element525" />
        <label xlink:type="resource" xlink:label="label525" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_IncreaseDecreaseInOtherOperatingAssets_en-US">Other assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element525" xlink:to="label525" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInRestrictedCash" xlink:label="element526" />
        <label xlink:type="resource" xlink:label="label526" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_IncreaseDecreaseInRestrictedCash_en-US">Net increase (decrease) in restricted cash</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element526" xlink:to="label526" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInRestrictedCash" xlink:label="element527" />
        <label xlink:type="resource" xlink:label="label527" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncreaseDecreaseInRestrictedCash_en-US">Increase (Decrease) in Restricted Cash</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element527" xlink:to="label527" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants" xlink:label="element528" />
        <label xlink:type="resource" xlink:label="label528" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants_en-US">Add: weighted-average stock options and warrants</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element528" xlink:to="label528" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants" xlink:label="element529" />
        <label xlink:type="resource" xlink:label="label529" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants_en-US">Add: Weighted-average stock options</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element529" xlink:to="label529" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants" xlink:label="element530" />
        <label xlink:type="resource" xlink:label="label530" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants_en-US">Incremental Common Shares Attributable to Call Options and Warrants</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element530" xlink:to="label530" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IndustryOfCounterpartyDomain" xlink:label="element531" />
        <label xlink:type="resource" xlink:label="label531" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_IndustryOfCounterpartyDomain_en-US">Industry of Counterparty [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element531" xlink:to="label531" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:label="element532" />
        <label xlink:type="resource" xlink:label="label532" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_InterestAndDividendIncomeOperatingAbstract_en-US">Interest income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element532" xlink:to="label532" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:label="element533" />
        <label xlink:type="resource" xlink:label="label533" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InterestAndDividendIncomeOperatingAbstract_en-US">Interest and Dividend Income, Operating [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element533" xlink:to="label533" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:label="element534" />
        <label xlink:type="resource" xlink:label="label534" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_InterestAndFeeIncomeLoansAndLeases_en-US">Interest on loans</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element534" xlink:to="label534" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:label="element535" />
        <label xlink:type="resource" xlink:label="label535" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_InterestAndFeeIncomeLoansAndLeases_en-US">Interest and Fee Income, Loans and Leases, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element535" xlink:to="label535" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:label="element536" />
        <label xlink:type="resource" xlink:label="label536" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InterestAndFeeIncomeLoansAndLeases_en-US">Interest and Fee Income, Loans and Leases</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element536" xlink:to="label536" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeSecurities" xlink:label="element537" />
        <label xlink:type="resource" xlink:label="label537" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_InterestAndDividendIncomeSecurities_en-US">Interest and dividends on investment securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element537" xlink:to="label537" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeSecurities" xlink:label="element538" />
        <label xlink:type="resource" xlink:label="label538" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_InterestAndDividendIncomeSecurities_en-US">Interest and Dividend Income, Securities, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element538" xlink:to="label538" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeSecurities" xlink:label="element539" />
        <label xlink:type="resource" xlink:label="label539" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InterestAndDividendIncomeSecurities_en-US">Interest and Dividend Income, Securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element539" xlink:to="label539" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:label="element540" />
        <label xlink:type="resource" xlink:label="label540" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_InterestExpenseAbstract_en-US">Interest expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element540" xlink:to="label540" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:label="element541" />
        <label xlink:type="resource" xlink:label="label541" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InterestExpenseAbstract_en-US">Interest Expense [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element541" xlink:to="label541" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpense" xlink:label="element542" />
        <label xlink:type="resource" xlink:label="label542" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_InterestExpense_en-US">Interest expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element542" xlink:to="label542" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpense" xlink:label="element543" />
        <label xlink:type="resource" xlink:label="label543" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_InterestExpense_en-US">Total interest expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element543" xlink:to="label543" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpense" xlink:label="element544" />
        <label xlink:type="resource" xlink:label="label544" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_InterestExpense_en-US">Interest expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element544" xlink:to="label544" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpense" xlink:label="element545" />
        <label xlink:type="resource" xlink:label="label545" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InterestExpense_en-US">Interest Expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element545" xlink:to="label545" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:label="element546" />
        <label xlink:type="resource" xlink:label="label546" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_InterestAndDividendIncomeOperating_en-US">Interest income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element546" xlink:to="label546" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:label="element547" />
        <label xlink:type="resource" xlink:label="label547" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_InterestAndDividendIncomeOperating_en-US">Total interest income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element547" xlink:to="label547" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:label="element548" />
        <label xlink:type="resource" xlink:label="label548" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InterestAndDividendIncomeOperating_en-US">Interest and Dividend Income, Operating</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element548" xlink:to="label548" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseShortTermBorrowings" xlink:label="element549" />
        <label xlink:type="resource" xlink:label="label549" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InterestExpenseShortTermBorrowings_en-US">Interest Expense Short Term Borrowings</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element549" xlink:to="label549" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseShortTermBorrowings" xlink:label="element550" />
        <label xlink:type="resource" xlink:label="label550" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_InterestExpenseShortTermBorrowings_en-US">Short-term borrowings</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element550" xlink:to="label550" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseShortTermBorrowings" xlink:label="element551" />
        <label xlink:type="resource" xlink:label="label551" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_InterestExpenseShortTermBorrowings_en-US">Interest Expense, Short-term Borrowings, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element551" xlink:to="label551" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseLongTermDebt" xlink:label="element552" />
        <label xlink:type="resource" xlink:label="label552" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InterestExpenseLongTermDebt_en-US">Interest Expense, Long-term Debt</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element552" xlink:to="label552" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseLongTermDebt" xlink:label="element553" />
        <label xlink:type="resource" xlink:label="label553" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_InterestExpenseLongTermDebt_en-US">Long-term debt and other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element553" xlink:to="label553" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseLongTermDebt" xlink:label="element554" />
        <label xlink:type="resource" xlink:label="label554" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_InterestExpenseLongTermDebt_en-US">Long-term debt and other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element554" xlink:to="label554" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseLongTermDebt" xlink:label="element555" />
        <label xlink:type="resource" xlink:label="label555" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_InterestExpenseLongTermDebt_en-US">Interest expense on long-term debt and other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element555" xlink:to="label555" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeMember" xlink:label="element556" />
        <label xlink:type="resource" xlink:label="label556" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InterestIncomeMember_en-US">Interest Income [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element556" xlink:to="label556" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDeposits" xlink:label="element557" />
        <label xlink:type="resource" xlink:label="label557" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_InterestExpenseDeposits_en-US">Deposits</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element557" xlink:to="label557" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDeposits" xlink:label="element558" />
        <label xlink:type="resource" xlink:label="label558" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_InterestExpenseDeposits_en-US">Interest Expense, Deposits, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element558" xlink:to="label558" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDeposits" xlink:label="element559" />
        <label xlink:type="resource" xlink:label="label559" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InterestExpenseDeposits_en-US">Interest Expense, Deposits</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element559" xlink:to="label559" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeDepositsWithFinancialInstitutions" xlink:label="element560" />
        <label xlink:type="resource" xlink:label="label560" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_InterestIncomeDepositsWithFinancialInstitutions_en-US">Deposits with banks and other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element560" xlink:to="label560" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeDepositsWithFinancialInstitutions" xlink:label="element561" />
        <label xlink:type="resource" xlink:label="label561" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_InterestIncomeDepositsWithFinancialInstitutions_en-US">Deposits with banks and other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element561" xlink:to="label561" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeDepositsWithFinancialInstitutions" xlink:label="element562" />
        <label xlink:type="resource" xlink:label="label562" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InterestIncomeDepositsWithFinancialInstitutions_en-US">Interest Income, Deposits with Financial Institutions</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element562" xlink:to="label562" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="element563" />
        <label xlink:type="resource" xlink:label="label563" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_InterestIncomeExpenseNet_en-US">Net interest income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element563" xlink:to="label563" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="element564" />
        <label xlink:type="resource" xlink:label="label564" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InterestIncomeExpenseNet_en-US">Interest Income (Expense), Net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element564" xlink:to="label564" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits" xlink:label="element565" />
        <label xlink:type="resource" xlink:label="label565" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_en-US">Direct Certificates Of Deposits</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element565" xlink:to="label565" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits" xlink:label="element566" />
        <label xlink:type="resource" xlink:label="label566" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_en-US">Certificates of deposit - Direct</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element566" xlink:to="label566" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositLiabilitiesForeign" xlink:label="element567" />
        <label xlink:type="resource" xlink:label="label567" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_InterestBearingDepositLiabilitiesForeign_en-US">Interest-bearing</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element567" xlink:to="label567" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositLiabilitiesForeign" xlink:label="element568" />
        <label xlink:type="resource" xlink:label="label568" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_InterestBearingDepositLiabilitiesForeign_en-US">Interest-bearing Deposit Liabilities, Foreign, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element568" xlink:to="label568" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositLiabilitiesForeign" xlink:label="element569" />
        <label xlink:type="resource" xlink:label="label569" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InterestBearingDepositLiabilitiesForeign_en-US">Interest-bearing Deposit Liabilities, Foreign</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element569" xlink:to="label569" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDomesticDepositSavings" xlink:label="element570" />
        <label xlink:type="resource" xlink:label="label570" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InterestBearingDomesticDepositSavings_en-US">Deposits Savings Accounts Direct</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element570" xlink:to="label570" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDomesticDepositSavings" xlink:label="element571" />
        <label xlink:type="resource" xlink:label="label571" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_InterestBearingDomesticDepositSavings_en-US">Savings accounts - Direct</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element571" xlink:to="label571" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDomesticDepositOtherTimeDeposit" xlink:label="element572" />
        <label xlink:type="resource" xlink:label="label572" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InterestBearingDomesticDepositOtherTimeDeposit_en-US">Deposits Other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element572" xlink:to="label572" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDomesticDepositOtherTimeDeposit" xlink:label="element573" />
        <label xlink:type="resource" xlink:label="label573" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_InterestBearingDomesticDepositOtherTimeDeposit_en-US">Non-U.S. deposits and U.S. non-interest bearing deposits</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element573" xlink:to="label573" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDomesticDepositOtherTimeDeposit" xlink:label="element574" />
        <label xlink:type="resource" xlink:label="label574" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_InterestBearingDomesticDepositOtherTimeDeposit_en-US">Other deposits</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element574" xlink:to="label574" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositLiabilitiesDomestic" xlink:label="element575" />
        <label xlink:type="resource" xlink:label="label575" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_InterestBearingDepositLiabilitiesDomestic_en-US">Interest-bearing</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element575" xlink:to="label575" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositLiabilitiesDomestic" xlink:label="element576" />
        <label xlink:type="resource" xlink:label="label576" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_InterestBearingDepositLiabilitiesDomestic_en-US">Interest-bearing Deposit Liabilities, Domestic, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element576" xlink:to="label576" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositLiabilitiesDomestic" xlink:label="element577" />
        <label xlink:type="resource" xlink:label="label577" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InterestBearingDepositLiabilitiesDomestic_en-US">Interest-bearing Deposit Liabilities, Domestic</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element577" xlink:to="label577" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositsInBanks" xlink:label="element578" />
        <label xlink:type="resource" xlink:label="label578" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_InterestBearingDepositsInBanks_en-US">Interest-bearing deposits in other banks (including securities purchased under resale agreements)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element578" xlink:to="label578" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositsInBanks" xlink:label="element579" />
        <label xlink:type="resource" xlink:label="label579" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InterestBearingDepositsInBanks_en-US">Interest-bearing Deposits in Banks and Other Financial Institutions</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element579" xlink:to="label579" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestRateContractMember" xlink:label="element580" />
        <label xlink:type="resource" xlink:label="label580" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InterestRateContractMember_en-US">Interest Rate Contract [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element580" xlink:to="label580" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestRateContractMember" xlink:label="element581" />
        <label xlink:type="resource" xlink:label="label581" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_InterestRateContractMember_en-US">Interest Rate Contracts [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element581" xlink:to="label581" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseMember" xlink:label="element582" />
        <label xlink:type="resource" xlink:label="label582" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InterestExpenseMember_en-US">Interest Expense [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element582" xlink:to="label582" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalRevenueServiceIRSMember" xlink:label="element583" />
        <label xlink:type="resource" xlink:label="label583" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InternalRevenueServiceIRSMember_en-US">Internal Revenue Service (IRS) [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element583" xlink:to="label583" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentPolicyTextBlock" xlink:label="element584" />
        <label xlink:type="resource" xlink:label="label584" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_InvestmentPolicyTextBlock_en-US">Investments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element584" xlink:to="label584" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentPolicyTextBlock" xlink:label="element585" />
        <label xlink:type="resource" xlink:label="label585" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InvestmentPolicyTextBlock_en-US">Investment, Policy [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element585" xlink:to="label585" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="element586" />
        <label xlink:type="resource" xlink:label="label586" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InvestmentTypeAxis_en-US">Investment Type [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element586" xlink:to="label586" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:label="element587" />
        <label xlink:type="resource" xlink:label="label587" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_en-US">Available For Sale Securities Debt Maturities [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element587" xlink:to="label587" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:label="element588" />
        <label xlink:type="resource" xlink:label="label588" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_en-US">Contractual maturities of investment securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element588" xlink:to="label588" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="element589" />
        <label xlink:type="resource" xlink:label="label589" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_en-US">Investment Securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element589" xlink:to="label589" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="element590" />
        <label xlink:type="resource" xlink:label="label590" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_en-US">Investments, Debt and Equity Securities [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element590" xlink:to="label590" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:label="element591" />
        <label xlink:type="resource" xlink:label="label591" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_InvestmentsAbstract_en-US">Investment securities:</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element591" xlink:to="label591" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:label="element592" />
        <label xlink:type="resource" xlink:label="label592" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InvestmentsAbstract_en-US">Investments [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element592" xlink:to="label592" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:label="element593" />
        <label xlink:type="resource" xlink:label="label593" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_en-US">Investment Securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element593" xlink:to="label593" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:label="element594" />
        <label xlink:type="resource" xlink:label="label594" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_en-US">Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element594" xlink:to="label594" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:label="element595" />
        <label xlink:type="resource" xlink:label="label595" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_LaborAndRelatedExpense_en-US">Salaries and employee benefits</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element595" xlink:to="label595" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:label="element596" />
        <label xlink:type="resource" xlink:label="label596" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_LaborAndRelatedExpense_en-US">Labor and Related Expense, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element596" xlink:to="label596" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:label="element597" />
        <label xlink:type="resource" xlink:label="label597" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_LaborAndRelatedExpense_en-US">Labor and Related Expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element597" xlink:to="label597" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosureRecurring" xlink:label="element598" />
        <label xlink:type="resource" xlink:label="label598" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_LiabilitiesFairValueDisclosureRecurring_en-US">Liabilities, Fair Value Disclosure, Recurring</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element598" xlink:to="label598" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosureRecurring" xlink:label="element599" />
        <label xlink:type="resource" xlink:label="label599" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_LiabilitiesFairValueDisclosureRecurring_en-US">Total liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element599" xlink:to="label599" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="element600" />
        <label xlink:type="resource" xlink:label="label600" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_LiabilitiesAndStockholdersEquity_en-US">Total liabilities and shareholders' equity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element600" xlink:to="label600" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="element601" />
        <label xlink:type="resource" xlink:label="label601" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_LiabilitiesAndStockholdersEquity_en-US">Liabilities and Stockholders' Equity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element601" xlink:to="label601" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="element602" />
        <label xlink:type="resource" xlink:label="label602" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_LiabilitiesAndStockholdersEquity_en-US">Total liabilities and shareholders' equity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element602" xlink:to="label602" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="element603" />
        <label xlink:type="resource" xlink:label="label603" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_LiabilitiesAbstract_en-US">Liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element603" xlink:to="label603" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="element604" />
        <label xlink:type="resource" xlink:label="label604" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_LiabilitiesAbstract_en-US">Liabilities [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element604" xlink:to="label604" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Liabilities" xlink:label="element605" />
        <label xlink:type="resource" xlink:label="label605" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_Liabilities_en-US">Total liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element605" xlink:to="label605" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Liabilities" xlink:label="element606" />
        <label xlink:type="resource" xlink:label="label606" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_Liabilities_en-US">Total liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element606" xlink:to="label606" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Liabilities" xlink:label="element607" />
        <label xlink:type="resource" xlink:label="label607" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_Liabilities_en-US">Liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element607" xlink:to="label607" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="element608" />
        <label xlink:type="resource" xlink:label="label608" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_LiabilitiesAndStockholdersEquityAbstract_en-US">Liabilities and Shareholders' Equity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element608" xlink:to="label608" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="element609" />
        <label xlink:type="resource" xlink:label="label609" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_LiabilitiesAndStockholdersEquityAbstract_en-US">Liabilities And Stockholders Equity Abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element609" xlink:to="label609" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoanAndLeaseReceivablesImpairedAbstract" xlink:label="element610" />
        <label xlink:type="resource" xlink:label="label610" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_en-US">Impaired loans and receivables</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element610" xlink:to="label610" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoanAndLeaseReceivablesImpairedAbstract" xlink:label="element611" />
        <label xlink:type="resource" xlink:label="label611" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_en-US">Loan and Lease Receivables, Impaired [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element611" xlink:to="label611" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoanAndLeaseReceivablesImpairedAbstract" xlink:label="element612" />
        <label xlink:type="resource" xlink:label="label612" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_en-US">Loan and Lease Receivables, Impaired [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element612" xlink:to="label612" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard" xlink:label="element613" />
        <label xlink:type="resource" xlink:label="label613" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard_en-US">Card Member loans, gross</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element613" xlink:to="label613" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard" xlink:label="element614" />
        <label xlink:type="resource" xlink:label="label614" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard_en-US">Cardmember loans, gross loans of a consolidated variable interest entity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element614" xlink:to="label614" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard" xlink:label="element615" />
        <label xlink:type="resource" xlink:label="label615" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard_en-US">Cardmember loans, gross loans of a consolidated variable interest entity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element615" xlink:to="label615" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard" xlink:label="element616" />
        <label xlink:type="resource" xlink:label="label616" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard_en-US">Loans and Leases Receivable, Gross, Consumer, Revolving, Credit Card</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element616" xlink:to="label616" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="element617" />
        <label xlink:type="resource" xlink:label="label617" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_LoansAndLeasesReceivableAllowance_en-US">Loss reserves (cardmember loans)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element617" xlink:to="label617" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="element618" />
        <label xlink:type="resource" xlink:label="label618" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_us-gaap_LoansAndLeasesReceivableAllowance_en-US">Balance, September 30</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element618" xlink:to="label618" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="element619" />
        <label xlink:type="resource" xlink:label="label619" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_us-gaap_LoansAndLeasesReceivableAllowance_en-US">Balance, January 1</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element619" xlink:to="label619" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="element620" />
        <label xlink:type="resource" xlink:label="label620" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_LoansAndLeasesReceivableAllowance_en-US">Less: Reserve for losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element620" xlink:to="label620" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="element621" />
        <label xlink:type="resource" xlink:label="label621" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_LoansAndLeasesReceivableAllowance_en-US">Card Member loans, reserves</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element621" xlink:to="label621" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="element622" />
        <label xlink:type="resource" xlink:label="label622" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_LoansAndLeasesReceivableAllowance_en-US">Loans and Leases Receivable, Allowance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element622" xlink:to="label622" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="element623" />
        <label xlink:type="resource" xlink:label="label623" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_LoansAndLeasesReceivableNetReportedAmount_en-US">Card Member loans, net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element623" xlink:to="label623" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="element624" />
        <label xlink:type="resource" xlink:label="label624" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_LoansAndLeasesReceivableNetReportedAmount_en-US">Card Member loans, net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element624" xlink:to="label624" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="element625" />
        <label xlink:type="resource" xlink:label="label625" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_LoansAndLeasesReceivableNetReportedAmount_en-US">Card Member loans, (includes gross loans available to settle obligations of a consolidated variable interest entity), less reserves</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element625" xlink:to="label625" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="element626" />
        <label xlink:type="resource" xlink:label="label626" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_LoansAndLeasesReceivableNetReportedAmount_en-US">Loans And Leases Receivable Net Reported Amount</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element626" xlink:to="label626" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract" xlink:label="element627" />
        <label xlink:type="resource" xlink:label="label627" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_en-US">Loans</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element627" xlink:to="label627" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract" xlink:label="element628" />
        <label xlink:type="resource" xlink:label="label628" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_en-US">Loans and Leases Receivable, Net Reported Amount [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element628" xlink:to="label628" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest" xlink:label="element629" />
        <label xlink:type="resource" xlink:label="label629" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest_en-US">Non-accrual loans</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element629" xlink:to="label629" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest" xlink:label="element630" />
        <label xlink:type="resource" xlink:label="label630" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest_en-US">Loans and Leases Receivable, Impaired, Nonperforming, Nonaccrual of Interest</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element630" xlink:to="label630" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountOther" xlink:label="element631" />
        <label xlink:type="resource" xlink:label="label631" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_LoansAndLeasesReceivableNetReportedAmountOther_en-US">Other loans, less reserves</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element631" xlink:to="label631" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountOther" xlink:label="element632" />
        <label xlink:type="resource" xlink:label="label632" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_LoansAndLeasesReceivableNetReportedAmountOther_en-US">Loans And Leases Receivable Net Reported Amount Other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element632" xlink:to="label632" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountOther" xlink:label="element633" />
        <label xlink:type="resource" xlink:label="label633" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_LoansAndLeasesReceivableNetReportedAmountOther_en-US">Other loans, net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element633" xlink:to="label633" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableOtherAllowance" xlink:label="element634" />
        <label xlink:type="resource" xlink:label="label634" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_LoansAndLeasesReceivableOtherAllowance_en-US">Loans And Leases Receivable Other Allowance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element634" xlink:to="label634" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableOtherAllowance" xlink:label="element635" />
        <label xlink:type="resource" xlink:label="label635" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_LoansAndLeasesReceivableOtherAllowance_en-US">Other loans, reserves</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element635" xlink:to="label635" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LongTermDebt" xlink:label="element636" />
        <label xlink:type="resource" xlink:label="label636" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_LongTermDebt_en-US">Long-term debt</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element636" xlink:to="label636" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LongTermDebt" xlink:label="element637" />
        <label xlink:type="resource" xlink:label="label637" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_LongTermDebt_en-US">Long-term debt (includes debt issued by consolidated variable interest entities)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element637" xlink:to="label637" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LongTermDebt" xlink:label="element638" />
        <label xlink:type="resource" xlink:label="label638" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_LongTermDebt_en-US">Total long-term debt</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element638" xlink:to="label638" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LongTermDebt" xlink:label="element639" />
        <label xlink:type="resource" xlink:label="label639" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_LongTermDebt_en-US">Long-term Debt</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element639" xlink:to="label639" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LongTermDebtMember" xlink:label="element640" />
        <label xlink:type="resource" xlink:label="label640" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_LongTermDebtMember_en-US">Long-term Debt [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element640" xlink:to="label640" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingencyAbstract" xlink:label="element641" />
        <label xlink:type="resource" xlink:label="label641" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_LossContingencyAbstract_en-US">Loss Contingency [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element641" xlink:to="label641" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingencyEstimateAbstract" xlink:label="element642" />
        <label xlink:type="resource" xlink:label="label642" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_LossContingencyEstimateAbstract_en-US">Contingencies (Textuals) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element642" xlink:to="label642" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingencyEstimateAbstract" xlink:label="element643" />
        <label xlink:type="resource" xlink:label="label643" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_LossContingencyEstimateAbstract_en-US">Loss Contingency, Estimate [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element643" xlink:to="label643" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingencyRangeOfPossibleLossMaximum" xlink:label="element644" />
        <label xlink:type="resource" xlink:label="label644" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_LossContingencyRangeOfPossibleLossMaximum_en-US">Range of possible loss, maximum</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element644" xlink:to="label644" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingencyRangeOfPossibleLossMaximum" xlink:label="element645" />
        <label xlink:type="resource" xlink:label="label645" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_LossContingencyRangeOfPossibleLossMaximum_en-US">Loss Contingency, Range of Possible Loss, Maximum</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element645" xlink:to="label645" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingencyRangeOfPossibleLossMinimum" xlink:label="element646" />
        <label xlink:type="resource" xlink:label="label646" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_LossContingencyRangeOfPossibleLossMinimum_en-US">Range of possible loss, minimum</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element646" xlink:to="label646" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingencyRangeOfPossibleLossMinimum" xlink:label="element647" />
        <label xlink:type="resource" xlink:label="label647" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_LossContingencyRangeOfPossibleLossMinimum_en-US">Loss Contingency, Range of Possible Loss, Minimum</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element647" xlink:to="label647" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis" xlink:label="element648" />
        <label xlink:type="resource" xlink:label="label648" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_en-US">Schedule of Available-for-sale Securities, Major Types of Debt and Equity Securities [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element648" xlink:to="label648" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="element649" />
        <label xlink:type="resource" xlink:label="label649" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_en-US">Major Types of Debt and Equity Securities [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element649" xlink:to="label649" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MarketableSecuritiesRealizedGainLossOtherThanTemporaryImpairmentsAmount" xlink:label="element650" />
        <label xlink:type="resource" xlink:label="label650" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_MarketableSecuritiesRealizedGainLossOtherThanTemporaryImpairmentsAmount_en-US">Other-than-temporary impairments recognized during the period</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element650" xlink:to="label650" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MarketableSecuritiesRealizedGainLossOtherThanTemporaryImpairmentsAmount" xlink:label="element651" />
        <label xlink:type="resource" xlink:label="label651" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_MarketableSecuritiesRealizedGainLossOtherThanTemporaryImpairmentsAmount_en-US">Marketable Securities, Realized Gain (Loss), Other than Temporary Impairments, Amount</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element651" xlink:to="label651" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:label="element652" />
        <label xlink:type="resource" xlink:label="label652" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_en-US">Mortgage-backed securities [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element652" xlink:to="label652" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="element653" />
        <label xlink:type="resource" xlink:label="label653" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_en-US">Cash Flows from Financing Activities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element653" xlink:to="label653" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="element654" />
        <label xlink:type="resource" xlink:label="label654" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_en-US">Net Cash Provided by (Used in) Financing Activities [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element654" xlink:to="label654" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="element655" />
        <label xlink:type="resource" xlink:label="label655" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_en-US">Net cash provided by operating activities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element655" xlink:to="label655" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="element656" />
        <label xlink:type="resource" xlink:label="label656" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_en-US">Net cash provided by operating activities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element656" xlink:to="label656" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="element657" />
        <label xlink:type="resource" xlink:label="label657" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_en-US">Net cash provided by operating activities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element657" xlink:to="label657" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="element658" />
        <label xlink:type="resource" xlink:label="label658" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_en-US">Net Cash Provided by (Used in) Operating Activities, Continuing Operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element658" xlink:to="label658" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLossAbstract" xlink:label="element659" />
        <label xlink:type="resource" xlink:label="label659" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_NetIncomeLossAbstract_en-US">Basic and diluted:</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element659" xlink:to="label659" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLossAbstract" xlink:label="element660" />
        <label xlink:type="resource" xlink:label="label660" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_NetIncomeLossAbstract_en-US">Net Income (Loss) Attributable to Parent [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element660" xlink:to="label660" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:label="element661" />
        <label xlink:type="resource" xlink:label="label661" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_en-US">Net cash used in financing activities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element661" xlink:to="label661" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:label="element662" />
        <label xlink:type="resource" xlink:label="label662" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_en-US">Net Cash Provided by (Used in) Financing Activities, Continuing Operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element662" xlink:to="label662" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="element663" />
        <label xlink:type="resource" xlink:label="label663" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_en-US">Cash Flows from Investing Activities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element663" xlink:to="label663" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="element664" />
        <label xlink:type="resource" xlink:label="label664" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_en-US">Net Cash Provided by (Used in) Investing Activities [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element664" xlink:to="label664" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="element665" />
        <label xlink:type="resource" xlink:label="label665" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_en-US">Cash Flows from Operating Activities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element665" xlink:to="label665" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="element666" />
        <label xlink:type="resource" xlink:label="label666" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_en-US">Net Cash Provided by (Used in) Operating Activities [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element666" xlink:to="label666" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:label="element667" />
        <label xlink:type="resource" xlink:label="label667" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_en-US">Net cash used in investing activities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element667" xlink:to="label667" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:label="element668" />
        <label xlink:type="resource" xlink:label="label668" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_en-US">Net cash used in investing activities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element668" xlink:to="label668" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:label="element669" />
        <label xlink:type="resource" xlink:label="label669" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_en-US">Net cash provided by investing activities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element669" xlink:to="label669" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:label="element670" />
        <label xlink:type="resource" xlink:label="label670" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_en-US">Net Cash Provided by (Used in) Investing Activities, Continuing Operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element670" xlink:to="label670" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="element671" />
        <label xlink:type="resource" xlink:label="label671" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_NetIncomeLoss_en-US">Benefit related to accounting for a net investment in foreign subsidiaries and change in fair value of certain forward exchange contracts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element671" xlink:to="label671" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="element672" />
        <label xlink:type="resource" xlink:label="label672" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_NetIncomeLoss_en-US">Net income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element672" xlink:to="label672" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="element673" />
        <label xlink:type="resource" xlink:label="label673" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_NetIncomeLoss_en-US">Net income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element673" xlink:to="label673" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="element674" />
        <label xlink:type="resource" xlink:label="label674" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_NetIncomeLoss_en-US">Net Income (Loss) Attributable to Parent</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element674" xlink:to="label674" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="element675" />
        <label xlink:type="resource" xlink:label="label675" xlink:role="http://www.xbrl.org/2003/role/positiveTerseLabel" xml:lang="en-US" id="positiveTerse_us-gaap_NetIncomeLoss_en-US">Net income attributable to common shareholders</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element675" xlink:to="label675" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetInvestmentHedgingMember" xlink:label="element676" />
        <label xlink:type="resource" xlink:label="label676" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_NetInvestmentHedgingMember_en-US">Net Investment Hedging [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element676" xlink:to="label676" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetInvestmentHedgingMember" xlink:label="element677" />
        <label xlink:type="resource" xlink:label="label677" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_NetInvestmentHedgingMember_en-US">Net Investment Hedges [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element677" xlink:to="label677" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="element678" />
        <label xlink:type="resource" xlink:label="label678" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_NoninterestExpense_en-US">Total expenses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element678" xlink:to="label678" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="element679" />
        <label xlink:type="resource" xlink:label="label679" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_NoninterestExpense_en-US">Expenses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element679" xlink:to="label679" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="element680" />
        <label xlink:type="resource" xlink:label="label680" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_NoninterestExpense_en-US">Noninterest Expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element680" xlink:to="label680" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="element681" />
        <label xlink:type="resource" xlink:label="label681" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_NoninterestExpense_en-US">Total expenses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element681" xlink:to="label681" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:label="element682" />
        <label xlink:type="resource" xlink:label="label682" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_NoninterestIncomeOtherOperatingIncome_en-US">Total other revenues</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element682" xlink:to="label682" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:label="element683" />
        <label xlink:type="resource" xlink:label="label683" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_NoninterestIncomeOtherOperatingIncome_en-US">Total other revenues</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element683" xlink:to="label683" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:label="element684" />
        <label xlink:type="resource" xlink:label="label684" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_NoninterestIncomeOtherOperatingIncome_en-US">Other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element684" xlink:to="label684" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:label="element685" />
        <label xlink:type="resource" xlink:label="label685" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_NoninterestIncomeOtherOperatingIncome_en-US">Noninterest Income, Other Operating Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element685" xlink:to="label685" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:label="element686" />
        <label xlink:type="resource" xlink:label="label686" xlink:role="http://www.xbrl.org/2003/role/positiveTerseLabel" xml:lang="en-US" id="positiveTerse_us-gaap_NoninterestIncomeOtherOperatingIncome_en-US">Other non-interest revenue</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element686" xlink:to="label686" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="element687" />
        <label xlink:type="resource" xlink:label="label687" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_NoninterestIncome_en-US">Non-interest revenues</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element687" xlink:to="label687" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="element688" />
        <label xlink:type="resource" xlink:label="label688" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_NoninterestIncome_en-US">Total non-interest revenues</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element688" xlink:to="label688" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="element689" />
        <label xlink:type="resource" xlink:label="label689" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_NoninterestIncome_en-US">Noninterest Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element689" xlink:to="label689" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="element690" />
        <label xlink:type="resource" xlink:label="label690" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_NoninterestIncomeAbstract_en-US">Non-interest revenues</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element690" xlink:to="label690" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="element691" />
        <label xlink:type="resource" xlink:label="label691" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_NoninterestIncomeAbstract_en-US">Noninterest Income [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element691" xlink:to="label691" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilitiesForeign" xlink:label="element692" />
        <label xlink:type="resource" xlink:label="label692" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_NoninterestBearingDepositLiabilitiesForeign_en-US">Non-interest-bearing</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element692" xlink:to="label692" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilitiesForeign" xlink:label="element693" />
        <label xlink:type="resource" xlink:label="label693" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_NoninterestBearingDepositLiabilitiesForeign_en-US">Noninterest-bearing Deposit Liabilities, Foreign, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element693" xlink:to="label693" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilitiesForeign" xlink:label="element694" />
        <label xlink:type="resource" xlink:label="label694" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_NoninterestBearingDepositLiabilitiesForeign_en-US">Noninterest-bearing Deposit Liabilities, Foreign</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element694" xlink:to="label694" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="element695" />
        <label xlink:type="resource" xlink:label="label695" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_NoninterestExpenseAbstract_en-US">Expenses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element695" xlink:to="label695" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="element696" />
        <label xlink:type="resource" xlink:label="label696" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_NoninterestExpenseAbstract_en-US">Noninterest Expense [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element696" xlink:to="label696" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilitiesDomestic" xlink:label="element697" />
        <label xlink:type="resource" xlink:label="label697" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_NoninterestBearingDepositLiabilitiesDomestic_en-US">Non-interest-bearing</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element697" xlink:to="label697" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilitiesDomestic" xlink:label="element698" />
        <label xlink:type="resource" xlink:label="label698" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_NoninterestBearingDepositLiabilitiesDomestic_en-US">Noninterest-bearing Deposit Liabilities, Domestic, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element698" xlink:to="label698" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilitiesDomestic" xlink:label="element699" />
        <label xlink:type="resource" xlink:label="label699" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_NoninterestBearingDepositLiabilitiesDomestic_en-US">Noninterest-bearing Deposit Liabilities, Domestic</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element699" xlink:to="label699" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NotesReceivableGross" xlink:label="element700" />
        <label xlink:type="resource" xlink:label="label700" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_NotesReceivableGross_en-US">Card Member receivables, gross</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element700" xlink:to="label700" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NotesReceivableGross" xlink:label="element701" />
        <label xlink:type="resource" xlink:label="label701" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_NotesReceivableGross_en-US">Card Member receivables</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element701" xlink:to="label701" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NotesReceivableGross" xlink:label="element702" />
        <label xlink:type="resource" xlink:label="label702" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_NotesReceivableGross_en-US">Cardmember receivables</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element702" xlink:to="label702" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NotesReceivableGross" xlink:label="element703" />
        <label xlink:type="resource" xlink:label="label703" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_NotesReceivableGross_en-US">Notes, Loans and Financing Receivable, Gross</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element703" xlink:to="label703" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NondesignatedMember" xlink:label="element704" />
        <label xlink:type="resource" xlink:label="label704" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_NondesignatedMember_en-US">Not Designated as Hedging Instrument [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element704" xlink:to="label704" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OffsettingAssetsTable" xlink:label="element705" />
        <label xlink:type="resource" xlink:label="label705" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OffsettingAssetsTable_en-US">Offsetting Assets [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element705" xlink:to="label705" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OccupancyNet" xlink:label="element706" />
        <label xlink:type="resource" xlink:label="label706" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OccupancyNet_en-US">Occupancy, Net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element706" xlink:to="label706" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OccupancyNet" xlink:label="element707" />
        <label xlink:type="resource" xlink:label="label707" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OccupancyNet_en-US">Occupancy and equipment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element707" xlink:to="label707" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OpenTaxYear" xlink:label="element708" />
        <label xlink:type="resource" xlink:label="label708" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OpenTaxYear_en-US">Open tax years by major tax jurisdiction</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element708" xlink:to="label708" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OpenTaxYear" xlink:label="element709" />
        <label xlink:type="resource" xlink:label="label709" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OpenTaxYear_en-US">Open Tax Years by Major Tax Jurisdiction</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element709" xlink:to="label709" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:label="element710" />
        <label xlink:type="resource" xlink:label="label710" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_en-US">Organization Consolidation And Presentation Of Financial Statements Disclosure [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element710" xlink:to="label710" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:label="element711" />
        <label xlink:type="resource" xlink:label="label711" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_en-US">Basis of Presentation</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element711" xlink:to="label711" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax" xlink:label="element712" />
        <label xlink:type="resource" xlink:label="label712" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax_en-US">Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element712" xlink:to="label712" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax" xlink:label="element713" />
        <label xlink:type="resource" xlink:label="label713" xlink:role="http://www.xbrl.org/2003/role/negativeLabel" xml:lang="en-US" id="negative_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax_en-US">Pension and other postretirement benefit gains, tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element713" xlink:to="label713" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax" xlink:label="element714" />
        <label xlink:type="resource" xlink:label="label714" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax_en-US">Net unrealized pension and other postretirement benefit gains, tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element714" xlink:to="label714" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="element715" />
        <label xlink:type="resource" xlink:label="label715" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherComprehensiveIncomeLossNetOfTax_en-US">Other Comprehensive Income (Loss), Net of Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element715" xlink:to="label715" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="element716" />
        <label xlink:type="resource" xlink:label="label716" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_OtherComprehensiveIncomeLossNetOfTax_en-US">Other comprehensive (loss) income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element716" xlink:to="label716" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="element717" />
        <label xlink:type="resource" xlink:label="label717" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OtherComprehensiveIncomeLossNetOfTax_en-US">Other comprehensive income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element717" xlink:to="label717" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax" xlink:label="element718" />
        <label xlink:type="resource" xlink:label="label718" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax_en-US">Other Comprehensive Income (Loss), Foreign Currency Translation Adjustment, Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element718" xlink:to="label718" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax" xlink:label="element719" />
        <label xlink:type="resource" xlink:label="label719" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax_en-US">Foreign currency translation adjustments, tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element719" xlink:to="label719" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:label="element720" />
        <label xlink:type="resource" xlink:label="label720" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_en-US">Other Comprehensive Income (Loss), Available-for-sale Securities, Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element720" xlink:to="label720" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:label="element721" />
        <label xlink:type="resource" xlink:label="label721" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_en-US">Net unrealized securities gains (losses), tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element721" xlink:to="label721" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:label="element722" />
        <label xlink:type="resource" xlink:label="label722" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_en-US">Investment securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element722" xlink:to="label722" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherAssetsFairValueDisclosure" xlink:label="element723" />
        <label xlink:type="resource" xlink:label="label723" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OtherAssetsFairValueDisclosure_en-US">Other financial assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element723" xlink:to="label723" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherAssetsFairValueDisclosure" xlink:label="element724" />
        <label xlink:type="resource" xlink:label="label724" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherAssetsFairValueDisclosure_en-US">Other Assets, Fair Value Disclosure</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element724" xlink:to="label724" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherAssets" xlink:label="element725" />
        <label xlink:type="resource" xlink:label="label725" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_OtherAssets_en-US">Other assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element725" xlink:to="label725" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherAssets" xlink:label="element726" />
        <label xlink:type="resource" xlink:label="label726" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_OtherAssets_en-US">Other assets (includes restricted cash of consolidated variable interest entities)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element726" xlink:to="label726" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherAssets" xlink:label="element727" />
        <label xlink:type="resource" xlink:label="label727" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OtherAssets_en-US">Other assets (includes restricted cash of consolidated variable interest entities)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element727" xlink:to="label727" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherAssets" xlink:label="element728" />
        <label xlink:type="resource" xlink:label="label728" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherAssets_en-US">Other Assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element728" xlink:to="label728" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="element729" />
        <label xlink:type="resource" xlink:label="label729" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_en-US">Changes in Other Comprehensive income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element729" xlink:to="label729" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="element730" />
        <label xlink:type="resource" xlink:label="label730" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_en-US">Other comprehensive income gains (losses): [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element730" xlink:to="label730" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="element731" />
        <label xlink:type="resource" xlink:label="label731" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_en-US">Other Comprehensive Income (Loss), Net of Tax [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element731" xlink:to="label731" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherIncomeAndOtherExpenseDisclosureTextBlock" xlink:label="element732" />
        <label xlink:type="resource" xlink:label="label732" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OtherIncomeAndOtherExpenseDisclosureTextBlock_en-US">Details of Certain Consolidated Statements of Income Lines</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element732" xlink:to="label732" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherIncomeAndOtherExpenseDisclosureTextBlock" xlink:label="element733" />
        <label xlink:type="resource" xlink:label="label733" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherIncomeAndOtherExpenseDisclosureTextBlock_en-US">Other Income and Other Expense Disclosure [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element733" xlink:to="label733" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="element734" />
        <label xlink:type="resource" xlink:label="label734" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_OtherNoninterestExpense_en-US">Other, net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element734" xlink:to="label734" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="element735" />
        <label xlink:type="resource" xlink:label="label735" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_OtherNoninterestExpense_en-US">Total other, net expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element735" xlink:to="label735" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="element736" />
        <label xlink:type="resource" xlink:label="label736" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OtherNoninterestExpense_en-US">Total other, net expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element736" xlink:to="label736" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="element737" />
        <label xlink:type="resource" xlink:label="label737" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherNoninterestExpense_en-US">Other Noninterest Expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element737" xlink:to="label737" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="element738" />
        <label xlink:type="resource" xlink:label="label738" xlink:role="http://www.xbrl.org/2003/role/positiveTerseLabel" xml:lang="en-US" id="positiveTerse_us-gaap_OtherNoninterestExpense_en-US">Other expenses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element738" xlink:to="label738" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherLiabilities" xlink:label="element739" />
        <label xlink:type="resource" xlink:label="label739" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_OtherLiabilities_en-US">Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element739" xlink:to="label739" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherLiabilities" xlink:label="element740" />
        <label xlink:type="resource" xlink:label="label740" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OtherLiabilities_en-US">Other liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element740" xlink:to="label740" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherLiabilities" xlink:label="element741" />
        <label xlink:type="resource" xlink:label="label741" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherLiabilities_en-US">Other Liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element741" xlink:to="label741" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherAssetsMember" xlink:label="element742" />
        <label xlink:type="resource" xlink:label="label742" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherAssetsMember_en-US">Other Assets [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element742" xlink:to="label742" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherIncomeMember" xlink:label="element743" />
        <label xlink:type="resource" xlink:label="label743" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherIncomeMember_en-US">Other Income [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element743" xlink:to="label743" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherExpenseMember" xlink:label="element744" />
        <label xlink:type="resource" xlink:label="label744" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherExpenseMember_en-US">Other Expense [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element744" xlink:to="label744" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherLiabilitiesMember" xlink:label="element745" />
        <label xlink:type="resource" xlink:label="label745" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherLiabilitiesMember_en-US">Other Liabilities [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element745" xlink:to="label745" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherReceivables" xlink:label="element746" />
        <label xlink:type="resource" xlink:label="label746" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OtherReceivables_en-US">Other receivables, less reserves</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element746" xlink:to="label746" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherReceivables" xlink:label="element747" />
        <label xlink:type="resource" xlink:label="label747" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherReceivables_en-US">Other Receivables</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element747" xlink:to="label747" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherReceivables" xlink:label="element748" />
        <label xlink:type="resource" xlink:label="label748" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_OtherReceivables_en-US">Other receivables, net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element748" xlink:to="label748" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract" xlink:label="element749" />
        <label xlink:type="resource" xlink:label="label749" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_en-US">Other comprehensive (loss) income:</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element749" xlink:to="label749" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesTaxPortionAttributableToParent" xlink:label="element750" />
        <label xlink:type="resource" xlink:label="label750" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesTaxPortionAttributableToParent_en-US">Other Comprehensive Income (Loss), Derivatives Qualifying as Hedges, Tax, Portion Attributable to Parent</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element750" xlink:to="label750" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesTaxPortionAttributableToParent" xlink:label="element751" />
        <label xlink:type="resource" xlink:label="label751" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesTaxPortionAttributableToParent_en-US">Net unrealized derivatives gains, tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element751" xlink:to="label751" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="element752" />
        <label xlink:type="resource" xlink:label="label752" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_en-US">Foreign currency translation adjustments, net of tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element752" xlink:to="label752" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="element753" />
        <label xlink:type="resource" xlink:label="label753" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_en-US">Net translation of investments in foreign operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element753" xlink:to="label753" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="element754" />
        <label xlink:type="resource" xlink:label="label754" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_en-US">Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax, Portion Attributable to Parent</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element754" xlink:to="label754" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="element755" />
        <label xlink:type="resource" xlink:label="label755" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_en-US">Other Comprehensive Income, Foreign Currency Transaction and Translation Adjustment, Net of Tax, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element755" xlink:to="label755" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="element756" />
        <label xlink:type="resource" xlink:label="label756" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_en-US">Accumulated Other Comprehensive Income (Loss), Foreign Currency Translation Adjustment, Net of Tax, Ending Balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element756" xlink:to="label756" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="element757" />
        <label xlink:type="resource" xlink:label="label757" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_en-US">Accumulated Other Comprehensive Income (Loss), Foreign Currency Translation Adjustment, Net of Tax, Beginning Balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element757" xlink:to="label757" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="element758" />
        <label xlink:type="resource" xlink:label="label758" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent_en-US">Net unrealized pension and other postretirement benefit gains, net of tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element758" xlink:to="label758" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="element759" />
        <label xlink:type="resource" xlink:label="label759" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent_en-US">Pension and other postretirement benefit gains</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element759" xlink:to="label759" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="element760" />
        <label xlink:type="resource" xlink:label="label760" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent_en-US">Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Adjustment, Net of Tax, Portion Attributable to Parent</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element760" xlink:to="label760" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="element761" />
        <label xlink:type="resource" xlink:label="label761" xlink:role="http://www.xbrl.org/2009/role/negatedNetLabel" xml:lang="en-US" id="NegatedNet_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent_en-US">Pension and other postretirement benefit gains</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element761" xlink:to="label761" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="element762" />
        <label xlink:type="resource" xlink:label="label762" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent_en-US">Net unrealized securities (losses) gains, net of tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element762" xlink:to="label762" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="element763" />
        <label xlink:type="resource" xlink:label="label763" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent_en-US">Investment Securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element763" xlink:to="label763" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="element764" />
        <label xlink:type="resource" xlink:label="label764" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent_en-US">Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax, Portion Attributable to Parent</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element764" xlink:to="label764" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesNetOfTaxPortionAttributableToParent" xlink:label="element765" />
        <label xlink:type="resource" xlink:label="label765" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesNetOfTaxPortionAttributableToParent_en-US">Other Comprehensive Income (Loss), Derivatives Qualifying as Hedges, Net of Tax, Portion Attributable to Parent</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element765" xlink:to="label765" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesNetOfTaxPortionAttributableToParent" xlink:label="element766" />
        <label xlink:type="resource" xlink:label="label766" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesNetOfTaxPortionAttributableToParent_en-US">Net unrealized derivative gains, net of tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element766" xlink:to="label766" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesNetOfTaxPortionAttributableToParent" xlink:label="element767" />
        <label xlink:type="resource" xlink:label="label767" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesNetOfTaxPortionAttributableToParent_en-US">Change in net unrealized derivative (losses) gains</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element767" xlink:to="label767" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:label="element768" />
        <label xlink:type="resource" xlink:label="label768" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_PaymentsForRepurchaseOfCommonStock_en-US">Payments for Repurchase of Common Stock</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element768" xlink:to="label768" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:label="element769" />
        <label xlink:type="resource" xlink:label="label769" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_PaymentsForRepurchaseOfCommonStock_en-US">Repurchase of American Express common shares</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element769" xlink:to="label769" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:label="element770" />
        <label xlink:type="resource" xlink:label="label770" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_PaymentsForRepurchaseOfCommonStock_en-US">Repurchase of American Express common shares</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element770" xlink:to="label770" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:label="element771" />
        <label xlink:type="resource" xlink:label="label771" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_PaymentsForRepurchaseOfCommonStock_en-US">Cost basis of common stock repurchased</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element771" xlink:to="label771" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:label="element772" />
        <label xlink:type="resource" xlink:label="label772" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_PaymentsForProceedsFromLoansAndLeases_en-US">Net (increase) in Card Member loans/receivables</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element772" xlink:to="label772" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:label="element773" />
        <label xlink:type="resource" xlink:label="label773" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_PaymentsForProceedsFromLoansAndLeases_en-US">Net (increase) decrease in cardmember loans/receivables</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element773" xlink:to="label773" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:label="element774" />
        <label xlink:type="resource" xlink:label="label774" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_PaymentsForProceedsFromLoansAndLeases_en-US">Net (increase) decrease in cardmember loans/receivables</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element774" xlink:to="label774" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:label="element775" />
        <label xlink:type="resource" xlink:label="label775" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_PaymentsForProceedsFromLoansAndLeases_en-US">Payments for (Proceeds from) Loans and Leases</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element775" xlink:to="label775" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:label="element776" />
        <label xlink:type="resource" xlink:label="label776" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_PaymentsForProceedsFromLoansAndLeases_en-US">Payments for (Proceeds from) Loans and Leases, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element776" xlink:to="label776" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForProceedsFromBusinessesAndInterestInAffiliates" xlink:label="element777" />
        <label xlink:type="resource" xlink:label="label777" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_PaymentsForProceedsFromBusinessesAndInterestInAffiliates_en-US">Acquisitions/dispositions, net of cash acquired</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element777" xlink:to="label777" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForProceedsFromBusinessesAndInterestInAffiliates" xlink:label="element778" />
        <label xlink:type="resource" xlink:label="label778" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_PaymentsForProceedsFromBusinessesAndInterestInAffiliates_en-US">Acquisitions/Dispositions, net of cash acquired</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element778" xlink:to="label778" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForProceedsFromBusinessesAndInterestInAffiliates" xlink:label="element779" />
        <label xlink:type="resource" xlink:label="label779" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_PaymentsForProceedsFromBusinessesAndInterestInAffiliates_en-US">Payments for (Proceeds from) Businesses and Interest in Affiliates</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element779" xlink:to="label779" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForProceedsFromBusinessesAndInterestInAffiliates" xlink:label="element780" />
        <label xlink:type="resource" xlink:label="label780" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_PaymentsForProceedsFromBusinessesAndInterestInAffiliates_en-US">Payments for (Proceeds from) Businesses and Interest in Affiliates, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element780" xlink:to="label780" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireInvestments" xlink:label="element781" />
        <label xlink:type="resource" xlink:label="label781" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_PaymentsToAcquireInvestments_en-US">Purchase of investments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element781" xlink:to="label781" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireInvestments" xlink:label="element782" />
        <label xlink:type="resource" xlink:label="label782" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_PaymentsToAcquireInvestments_en-US">Purchase of investments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element782" xlink:to="label782" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireInvestments" xlink:label="element783" />
        <label xlink:type="resource" xlink:label="label783" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_PaymentsToAcquireInvestments_en-US">Payments to Acquire Investments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element783" xlink:to="label783" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireInvestments" xlink:label="element784" />
        <label xlink:type="resource" xlink:label="label784" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_PaymentsToAcquireInvestments_en-US">Payments to Acquire Investments, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element784" xlink:to="label784" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="element785" />
        <label xlink:type="resource" xlink:label="label785" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_en-US">Purchase of premises and equipment, net of sales</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element785" xlink:to="label785" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="element786" />
        <label xlink:type="resource" xlink:label="label786" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_en-US">Premises and equipment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element786" xlink:to="label786" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="element787" />
        <label xlink:type="resource" xlink:label="label787" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_en-US">Payments to Acquire Property, Plant, and Equipment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element787" xlink:to="label787" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="element788" />
        <label xlink:type="resource" xlink:label="label788" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_en-US">Payments to Acquire Property, Plant, and Equipment, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element788" xlink:to="label788" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsOfDividends" xlink:label="element789" />
        <label xlink:type="resource" xlink:label="label789" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_PaymentsOfDividends_en-US">Total dividend paid to the bank holding companies</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element789" xlink:to="label789" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsOfDividends" xlink:label="element790" />
        <label xlink:type="resource" xlink:label="label790" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_PaymentsOfDividends_en-US">Dividends paid</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element790" xlink:to="label790" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsOfDividends" xlink:label="element791" />
        <label xlink:type="resource" xlink:label="label791" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xml:lang="en-US" id="NegatedTotal_us-gaap_PaymentsOfDividends_en-US">Dividends paid</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element791" xlink:to="label791" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsOfDividends" xlink:label="element792" />
        <label xlink:type="resource" xlink:label="label792" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_PaymentsOfDividends_en-US">Dividends paid</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element792" xlink:to="label792" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsOfDividends" xlink:label="element793" />
        <label xlink:type="resource" xlink:label="label793" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_PaymentsOfDividends_en-US">Dividends paid</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element793" xlink:to="label793" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsOfDividends" xlink:label="element794" />
        <label xlink:type="resource" xlink:label="label794" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_PaymentsOfDividends_en-US">Payments of Dividends</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element794" xlink:to="label794" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PolicyTextBlockAbstract" xlink:label="element795" />
        <label xlink:type="resource" xlink:label="label795" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_PolicyTextBlockAbstract_en-US">Policy (Text Block) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element795" xlink:to="label795" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfShortTermDebt" xlink:label="element796" />
        <label xlink:type="resource" xlink:label="label796" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ProceedsFromRepaymentsOfShortTermDebt_en-US">Net (decrease) in short-term borrowings</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element796" xlink:to="label796" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfShortTermDebt" xlink:label="element797" />
        <label xlink:type="resource" xlink:label="label797" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ProceedsFromRepaymentsOfShortTermDebt_en-US">Proceeds from (Repayments of) Short-term Debt</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element797" xlink:to="label797" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromIssuanceOfLongTermDebt" xlink:label="element798" />
        <label xlink:type="resource" xlink:label="label798" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_ProceedsFromIssuanceOfLongTermDebt_en-US">Issuance of debt</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element798" xlink:to="label798" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromIssuanceOfLongTermDebt" xlink:label="element799" />
        <label xlink:type="resource" xlink:label="label799" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ProceedsFromIssuanceOfLongTermDebt_en-US">Issuance of long-term debt</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element799" xlink:to="label799" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromIssuanceOfLongTermDebt" xlink:label="element800" />
        <label xlink:type="resource" xlink:label="label800" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_ProceedsFromIssuanceOfLongTermDebt_en-US">Proceeds from Issuance of Long-term Debt, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element800" xlink:to="label800" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromIssuanceOfLongTermDebt" xlink:label="element801" />
        <label xlink:type="resource" xlink:label="label801" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_ProceedsFromIssuanceOfLongTermDebt_en-US">Premium paid on debt exchange</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element801" xlink:to="label801" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromIssuanceOfLongTermDebt" xlink:label="element802" />
        <label xlink:type="resource" xlink:label="label802" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ProceedsFromIssuanceOfLongTermDebt_en-US">Issuance of long-term debt</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element802" xlink:to="label802" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:label="element803" />
        <label xlink:type="resource" xlink:label="label803" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_en-US">Maturity and redemption of investments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element803" xlink:to="label803" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:label="element804" />
        <label xlink:type="resource" xlink:label="label804" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_en-US">Maturity and redemption of investments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element804" xlink:to="label804" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:label="element805" />
        <label xlink:type="resource" xlink:label="label805" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_ProceedsFromIssuanceOfCommonStock_en-US">Issuance of American Express common shares and other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element805" xlink:to="label805" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:label="element806" />
        <label xlink:type="resource" xlink:label="label806" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ProceedsFromIssuanceOfCommonStock_en-US">Issuance of American Express common shares</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element806" xlink:to="label806" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:label="element807" />
        <label xlink:type="resource" xlink:label="label807" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ProceedsFromIssuanceOfCommonStock_en-US">Proceeds from Issuance of Common Stock</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element807" xlink:to="label807" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:label="element808" />
        <label xlink:type="resource" xlink:label="label808" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_en-US">Sale of investments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element808" xlink:to="label808" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:label="element809" />
        <label xlink:type="resource" xlink:label="label809" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_en-US">Proceeds from Sale of Available-for-sale Securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element809" xlink:to="label809" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:label="element810" />
        <label xlink:type="resource" xlink:label="label810" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_en-US">Sale of premises and equipment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element810" xlink:to="label810" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:label="element811" />
        <label xlink:type="resource" xlink:label="label811" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_en-US">Proceeds from Sale of Property, Plant, and Equipment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element811" xlink:to="label811" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="element812" />
        <label xlink:type="resource" xlink:label="label812" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_PropertyPlantAndEquipmentNet_en-US">Premises and equipment, less accumulated depreciation</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element812" xlink:to="label812" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="element813" />
        <label xlink:type="resource" xlink:label="label813" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_PropertyPlantAndEquipmentNet_en-US">Premises and equipment, less accumulated depreciation and amortization</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element813" xlink:to="label813" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="element814" />
        <label xlink:type="resource" xlink:label="label814" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_PropertyPlantAndEquipmentNet_en-US">Property, Plant and Equipment, Net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element814" xlink:to="label814" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForOtherLosses" xlink:label="element815" />
        <label xlink:type="resource" xlink:label="label815" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ProvisionForOtherLosses_en-US">Other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element815" xlink:to="label815" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForOtherLosses" xlink:label="element816" />
        <label xlink:type="resource" xlink:label="label816" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_ProvisionForOtherLosses_en-US">Other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element816" xlink:to="label816" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForOtherLosses" xlink:label="element817" />
        <label xlink:type="resource" xlink:label="label817" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ProvisionForOtherLosses_en-US">Provision for Other Losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element817" xlink:to="label817" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:label="element818" />
        <label xlink:type="resource" xlink:label="label818" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_ProvisionForLoanLeaseAndOtherLosses_en-US">Total provision</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element818" xlink:to="label818" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:label="element819" />
        <label xlink:type="resource" xlink:label="label819" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_ProvisionForLoanLeaseAndOtherLosses_en-US">Total provisions for losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element819" xlink:to="label819" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:label="element820" />
        <label xlink:type="resource" xlink:label="label820" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ProvisionForLoanLeaseAndOtherLosses_en-US">Provisions for losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element820" xlink:to="label820" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:label="element821" />
        <label xlink:type="resource" xlink:label="label821" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ProvisionForLoanLeaseAndOtherLosses_en-US">Provision for Loan, Lease, and Other Losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element821" xlink:to="label821" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanAndLeaseLosses" xlink:label="element822" />
        <label xlink:type="resource" xlink:label="label822" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ProvisionForLoanAndLeaseLosses_en-US">Card Member loans</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element822" xlink:to="label822" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanAndLeaseLosses" xlink:label="element823" />
        <label xlink:type="resource" xlink:label="label823" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_ProvisionForLoanAndLeaseLosses_en-US">Total provision</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element823" xlink:to="label823" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanAndLeaseLosses" xlink:label="element824" />
        <label xlink:type="resource" xlink:label="label824" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ProvisionForLoanAndLeaseLosses_en-US">Provision for Loan and Lease Losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element824" xlink:to="label824" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanAndLeaseLosses" xlink:label="element825" />
        <label xlink:type="resource" xlink:label="label825" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_ProvisionForLoanAndLeaseLosses_en-US">Card Member loans - provisions</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element825" xlink:to="label825" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLossesAbstract" xlink:label="element826" />
        <label xlink:type="resource" xlink:label="label826" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ProvisionForLoanLeaseAndOtherLossesAbstract_en-US">Provisions for losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element826" xlink:to="label826" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLossesAbstract" xlink:label="element827" />
        <label xlink:type="resource" xlink:label="label827" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ProvisionForLoanLeaseAndOtherLossesAbstract_en-US">Provision For Loan Lease And Other Losses Abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element827" xlink:to="label827" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForDoubtfulAccounts" xlink:label="element828" />
        <label xlink:type="resource" xlink:label="label828" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ProvisionForDoubtfulAccounts_en-US">Charge card</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element828" xlink:to="label828" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForDoubtfulAccounts" xlink:label="element829" />
        <label xlink:type="resource" xlink:label="label829" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ProvisionForDoubtfulAccounts_en-US">Provision For Doubtful Accounts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element829" xlink:to="label829" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForDoubtfulAccounts" xlink:label="element830" />
        <label xlink:type="resource" xlink:label="label830" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_ProvisionForDoubtfulAccounts_en-US">Total provision</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element830" xlink:to="label830" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForDoubtfulAccounts" xlink:label="element831" />
        <label xlink:type="resource" xlink:label="label831" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_ProvisionForDoubtfulAccounts_en-US">Card Member receivables - provisions</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element831" xlink:to="label831" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="element832" />
        <label xlink:type="resource" xlink:label="label832" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ReceivableTypeDomain_en-US">Receivable Type [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element832" xlink:to="label832" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReceivablesTradeAndOtherAccountsReceivableAllowanceForDoubtfulAccountsPolicy" xlink:label="element833" />
        <label xlink:type="resource" xlink:label="label833" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ReceivablesTradeAndOtherAccountsReceivableAllowanceForDoubtfulAccountsPolicy_en-US">Receivables, Trade and Other Accounts Receivable, Allowance for Doubtful Accounts, Policy [Policy Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element833" xlink:to="label833" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReceivablesTradeAndOtherAccountsReceivableAllowanceForDoubtfulAccountsPolicy" xlink:label="element834" />
        <label xlink:type="resource" xlink:label="label834" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ReceivablesTradeAndOtherAccountsReceivableAllowanceForDoubtfulAccountsPolicy_en-US">Reserves for losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element834" xlink:to="label834" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember" xlink:label="element835" />
        <label xlink:type="resource" xlink:label="label835" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_en-US">Reclassification out of Accumulated Other Comprehensive Income [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element835" xlink:to="label835" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember" xlink:label="element836" />
        <label xlink:type="resource" xlink:label="label836" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_en-US">Reclassification out of accumulated other comprehensive income [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element836" xlink:to="label836" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:label="element837" />
        <label xlink:type="resource" xlink:label="label837" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_en-US">Reclassification out of Accumulated Other Comprehensive Income [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element837" xlink:to="label837" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis" xlink:label="element838" />
        <label xlink:type="resource" xlink:label="label838" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_en-US">Reclassification out of Accumulated Other Comprehensive Income [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element838" xlink:to="label838" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable" xlink:label="element839" />
        <label xlink:type="resource" xlink:label="label839" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_en-US">Reclassification out of Accumulated Other Comprehensive Income [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element839" xlink:to="label839" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="element840" />
        <label xlink:type="resource" xlink:label="label840" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_en-US">Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element840" xlink:to="label840" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock" xlink:label="element841" />
        <label xlink:type="resource" xlink:label="label841" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock_en-US">Reclassification out of Accumulated Other Comprehensive Income [Table Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element841" xlink:to="label841" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock" xlink:label="element842" />
        <label xlink:type="resource" xlink:label="label842" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock_en-US">Reclassification out of accumulated other comprehensive (loss) income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element842" xlink:to="label842" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepaymentsOfLongTermDebt" xlink:label="element843" />
        <label xlink:type="resource" xlink:label="label843" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_us-gaap_RepaymentsOfLongTermDebt_en-US">Principal payments on long-term debt</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element843" xlink:to="label843" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepaymentsOfLongTermDebt" xlink:label="element844" />
        <label xlink:type="resource" xlink:label="label844" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_RepaymentsOfLongTermDebt_en-US">Principal payment of debt</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element844" xlink:to="label844" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepaymentsOfLongTermDebt" xlink:label="element845" />
        <label xlink:type="resource" xlink:label="label845" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_RepaymentsOfLongTermDebt_en-US">Repayments of Long-term Debt</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element845" xlink:to="label845" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepaymentsOfLongTermDebt" xlink:label="element846" />
        <label xlink:type="resource" xlink:label="label846" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_RepaymentsOfLongTermDebt_en-US">Repayments of Long-term Debt, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element846" xlink:to="label846" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepurchaseAgreementCounterpartyNameDomain" xlink:label="element847" />
        <label xlink:type="resource" xlink:label="label847" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_RepurchaseAgreementCounterpartyNameDomain_en-US">Counterparty Name [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element847" xlink:to="label847" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalents" xlink:label="element848" />
        <label xlink:type="resource" xlink:label="label848" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_RestrictedCashAndCashEquivalents_en-US">Restricted cash</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element848" xlink:to="label848" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalents" xlink:label="element849" />
        <label xlink:type="resource" xlink:label="label849" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_RestrictedCashAndCashEquivalents_en-US">Restricted cash</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element849" xlink:to="label849" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalents" xlink:label="element850" />
        <label xlink:type="resource" xlink:label="label850" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_RestrictedCashAndCashEquivalents_en-US">Restricted Cash and Cash Equivalents</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element850" xlink:to="label850" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="element851" />
        <label xlink:type="resource" xlink:label="label851" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_RetainedEarningsAccumulatedDeficit_en-US">Retained earnings</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element851" xlink:to="label851" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="element852" />
        <label xlink:type="resource" xlink:label="label852" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_RetainedEarningsAccumulatedDeficit_en-US">Retained Earnings (Accumulated Deficit), Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element852" xlink:to="label852" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="element853" />
        <label xlink:type="resource" xlink:label="label853" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_us-gaap_RetainedEarningsAccumulatedDeficit_en-US">Retained Earnings (Accumulated Deficit), Beginning Balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element853" xlink:to="label853" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="element854" />
        <label xlink:type="resource" xlink:label="label854" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_us-gaap_RetainedEarningsAccumulatedDeficit_en-US">Retained Earnings (Accumulated Deficit), Ending Balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element854" xlink:to="label854" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="element855" />
        <label xlink:type="resource" xlink:label="label855" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_RetainedEarningsAccumulatedDeficit_en-US">Retained Earnings (Accumulated Deficit)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element855" xlink:to="label855" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RevenuesAbstract" xlink:label="element856" />
        <label xlink:type="resource" xlink:label="label856" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_RevenuesAbstract_en-US">Revenues</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element856" xlink:to="label856" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RevenuesAbstract" xlink:label="element857" />
        <label xlink:type="resource" xlink:label="label857" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_RevenuesAbstract_en-US">Revenues [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element857" xlink:to="label857" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="element858" />
        <label xlink:type="resource" xlink:label="label858" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_en-US">Schedule of Available-for-sale Securities [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element858" xlink:to="label858" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock" xlink:label="element859" />
        <label xlink:type="resource" xlink:label="label859" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock_en-US">Schedule Of Comprehensive Income Loss Table [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element859" xlink:to="label859" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock" xlink:label="element860" />
        <label xlink:type="resource" xlink:label="label860" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock_en-US">Components of comprehensive income (loss), net of tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element860" xlink:to="label860" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:label="element861" />
        <label xlink:type="resource" xlink:label="label861" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ScheduleOfImpairedFinancingReceivableTable_en-US">Schedule Of Impaired Financing Receivable [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element861" xlink:to="label861" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock" xlink:label="element862" />
        <label xlink:type="resource" xlink:label="label862" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock_en-US">Schedule Of Credit Losses For Financing Receivables Current [Table Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element862" xlink:to="label862" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock" xlink:label="element863" />
        <label xlink:type="resource" xlink:label="label863" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock_en-US">Changes in the Card Member receivable reserve for losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element863" xlink:to="label863" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:label="element864" />
        <label xlink:type="resource" xlink:label="label864" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_en-US">Fair value assets and liabilities measured on recurring basis</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element864" xlink:to="label864" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:label="element865" />
        <label xlink:type="resource" xlink:label="label865" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_en-US">Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element865" xlink:to="label865" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:label="element866" />
        <label xlink:type="resource" xlink:label="label866" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_en-US">Schedule of Financing Receivable, Troubled Debt Restructurings [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element866" xlink:to="label866" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable" xlink:label="element867" />
        <label xlink:type="resource" xlink:label="label867" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_en-US">Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element867" xlink:to="label867" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:label="element868" />
        <label xlink:type="resource" xlink:label="label868" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_en-US">Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element868" xlink:to="label868" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:label="element869" />
        <label xlink:type="resource" xlink:label="label869" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_en-US">Computation of basic and diluted EPS</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element869" xlink:to="label869" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock" xlink:label="element870" />
        <label xlink:type="resource" xlink:label="label870" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock_en-US">Impact Of Cash Flow Hedges And Investment Hedges On Results Of Operations [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element870" xlink:to="label870" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock" xlink:label="element871" />
        <label xlink:type="resource" xlink:label="label871" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock_en-US">Impact of cash flow hedges and investment hedges on results of operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element871" xlink:to="label871" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock" xlink:label="element872" />
        <label xlink:type="resource" xlink:label="label872" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock_en-US">Available For Sale Securities Continuous Unrealized Loss Position Fair Value [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element872" xlink:to="label872" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock" xlink:label="element873" />
        <label xlink:type="resource" xlink:label="label873" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock_en-US">Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element873" xlink:to="label873" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="element874" />
        <label xlink:type="resource" xlink:label="label874" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_en-US">Schedule of Available-for-sale Securities [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element874" xlink:to="label874" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock" xlink:label="element875" />
        <label xlink:type="resource" xlink:label="label875" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock_en-US">Schedule Of Available For Sale Securities By Type [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element875" xlink:to="label875" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock" xlink:label="element876" />
        <label xlink:type="resource" xlink:label="label876" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock_en-US">Schedule of Available for Sale Securities by Type</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element876" xlink:to="label876" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:label="element877" />
        <label xlink:type="resource" xlink:label="label877" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_en-US">Schedule of Equity Method Investment, Equity Method Investee, Name [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element877" xlink:to="label877" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfGuaranteeObligationsTextBlock" xlink:label="element878" />
        <label xlink:type="resource" xlink:label="label878" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ScheduleOfGuaranteeObligationsTextBlock_en-US">Information related to guarantees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element878" xlink:to="label878" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfGuaranteeObligationsTextBlock" xlink:label="element879" />
        <label xlink:type="resource" xlink:label="label879" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ScheduleOfGuaranteeObligationsTextBlock_en-US">Schedule of Guarantor Obligations [Table Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element879" xlink:to="label879" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfGuaranteeObligationsTable" xlink:label="element880" />
        <label xlink:type="resource" xlink:label="label880" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ScheduleOfGuaranteeObligationsTable_en-US">Schedule of Guarantor Obligations [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element880" xlink:to="label880" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:label="element881" />
        <label xlink:type="resource" xlink:label="label881" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_en-US">Operating segment information</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element881" xlink:to="label881" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:label="element882" />
        <label xlink:type="resource" xlink:label="label882" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_en-US">Schedule of Segment Reporting Information, by Segment [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element882" xlink:to="label882" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTextBlock" xlink:label="element883" />
        <label xlink:type="resource" xlink:label="label883" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTextBlock_en-US">Schedule Of Restricted Cash And Cash Equivalents [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element883" xlink:to="label883" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTextBlock" xlink:label="element884" />
        <label xlink:type="resource" xlink:label="label884" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTextBlock_en-US">Restricted cash held by trusts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element884" xlink:to="label884" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:label="element885" />
        <label xlink:type="resource" xlink:label="label885" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_en-US">Schedule of Segment Reporting Information, by Segment [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element885" xlink:to="label885" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock" xlink:label="element886" />
        <label xlink:type="resource" xlink:label="label886" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock_en-US">Schedule of derivative instruments in statement of financial position, fair value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element886" xlink:to="label886" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock" xlink:label="element887" />
        <label xlink:type="resource" xlink:label="label887" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock_en-US">Schedule of Derivative Instruments in Statement of Financial Position, Fair Value [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element887" xlink:to="label887" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="element888" />
        <label xlink:type="resource" xlink:label="label888" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_en-US">Schedule of Accounts, Notes, Loans and Financing Receivable [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element888" xlink:to="label888" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:label="element889" />
        <label xlink:type="resource" xlink:label="label889" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_en-US">Card Member receivables segment detail</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element889" xlink:to="label889" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:label="element890" />
        <label xlink:type="resource" xlink:label="label890" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_en-US">Schedule of Accounts, Notes, Loans and Financing Receivable [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element890" xlink:to="label890" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:label="element891" />
        <label xlink:type="resource" xlink:label="label891" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ScheduleOfVariableInterestEntitiesTable_en-US">Variable Interest, Carrying Amount of Liabilities [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element891" xlink:to="label891" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SecuritiesInvestmentMember" xlink:label="element892" />
        <label xlink:type="resource" xlink:label="label892" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_SecuritiesInvestmentMember_en-US">Securities Investment [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element892" xlink:to="label892" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SecuritiesInvestmentMember" xlink:label="element893" />
        <label xlink:type="resource" xlink:label="label893" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_SecuritiesInvestmentMember_en-US">Investment Securities [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element893" xlink:to="label893" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResell" xlink:label="element894" />
        <label xlink:type="resource" xlink:label="label894" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_en-US">Securities purchased under resale agreements</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element894" xlink:to="label894" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResell" xlink:label="element895" />
        <label xlink:type="resource" xlink:label="label895" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_en-US">Securities Purchased Under Agreements To Resell</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element895" xlink:to="label895" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="element896" />
        <label xlink:type="resource" xlink:label="label896" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_SegmentReportingInformationLineItems_en-US">Segment Reporting Information [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element896" xlink:to="label896" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="element897" />
        <label xlink:type="resource" xlink:label="label897" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_SegmentDomain_en-US">Segments [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element897" xlink:to="label897" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingAbstract" xlink:label="element898" />
        <label xlink:type="resource" xlink:label="label898" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_SegmentReportingAbstract_en-US">Segment Reporting [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element898" xlink:to="label898" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingAbstract" xlink:label="element899" />
        <label xlink:type="resource" xlink:label="label899" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_SegmentReportingAbstract_en-US">Reportable Operating Segments [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element899" xlink:to="label899" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingDisclosureTextBlock" xlink:label="element900" />
        <label xlink:type="resource" xlink:label="label900" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_SegmentReportingDisclosureTextBlock_en-US">Reportable Operating Segments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element900" xlink:to="label900" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingDisclosureTextBlock" xlink:label="element901" />
        <label xlink:type="resource" xlink:label="label901" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_SegmentReportingDisclosureTextBlock_en-US">Segment Reporting Disclosure [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element901" xlink:to="label901" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingDisclosureOfEntitysReportableSegmentsAbstract" xlink:label="element902" />
        <label xlink:type="resource" xlink:label="label902" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_SegmentReportingDisclosureOfEntitysReportableSegmentsAbstract_en-US">Segment Reporting, Disclosure of Entity's Reportable Segments [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element902" xlink:to="label902" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingDisclosureOfEntitysReportableSegmentsAbstract" xlink:label="element903" />
        <label xlink:type="resource" xlink:label="label903" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_SegmentReportingDisclosureOfEntitysReportableSegmentsAbstract_en-US">Reportable Operating Segments [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element903" xlink:to="label903" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentGeographicalDomain" xlink:label="element904" />
        <label xlink:type="resource" xlink:label="label904" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_SegmentGeographicalDomain_en-US">Segment, Geographical [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element904" xlink:to="label904" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:label="element905" />
        <label xlink:type="resource" xlink:label="label905" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ShareBasedCompensation_en-US">Stock-based compensation</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element905" xlink:to="label905" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:label="element906" />
        <label xlink:type="resource" xlink:label="label906" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ShareBasedCompensation_en-US">Share-based Compensation</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element906" xlink:to="label906" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermBorrowings" xlink:label="element907" />
        <label xlink:type="resource" xlink:label="label907" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ShortTermBorrowings_en-US">Short Term Borrowings</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element907" xlink:to="label907" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermBorrowings" xlink:label="element908" />
        <label xlink:type="resource" xlink:label="label908" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_ShortTermBorrowings_en-US">Outstanding Balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element908" xlink:to="label908" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermBorrowings" xlink:label="element909" />
        <label xlink:type="resource" xlink:label="label909" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_ShortTermBorrowings_en-US">Short-term borrowings</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element909" xlink:to="label909" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermBorrowings" xlink:label="element910" />
        <label xlink:type="resource" xlink:label="label910" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ShortTermBorrowings_en-US">Short-term borrowings</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element910" xlink:to="label910" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtMember" xlink:label="element911" />
        <label xlink:type="resource" xlink:label="label911" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ShortTermDebtMember_en-US">Short-term Debt [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element911" xlink:to="label911" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleAmountOfUnrecordedBenefit" xlink:label="element912" />
        <label xlink:type="resource" xlink:label="label912" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleAmountOfUnrecordedBenefit_en-US">Unrecognized tax benefits as a result of potential resolutions of prior years' tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element912" xlink:to="label912" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleAmountOfUnrecordedBenefit" xlink:label="element913" />
        <label xlink:type="resource" xlink:label="label913" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleAmountOfUnrecordedBenefit_en-US">Significant Change in Unrecognized Tax Benefits is Reasonably Possible, Amount of Unrecorded Benefit</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element913" xlink:to="label913" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="element914" />
        <label xlink:type="resource" xlink:label="label914" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_StatementLineItems_en-US">Statement [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element914" xlink:to="label914" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementGeographicalAxis" xlink:label="element915" />
        <label xlink:type="resource" xlink:label="label915" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_StatementGeographicalAxis_en-US">Statement, Geographical [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element915" xlink:to="label915" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="element916" />
        <label xlink:type="resource" xlink:label="label916" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_StatementOfCashFlowsAbstract_en-US">Consolidated Statements of Cash Flows [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element916" xlink:to="label916" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="element917" />
        <label xlink:type="resource" xlink:label="label917" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_StatementEquityComponentsAxis_en-US">Statement, Equity Components [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element917" xlink:to="label917" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:label="element918" />
        <label xlink:type="resource" xlink:label="label918" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_en-US">Consolidated Statements of Comprehensive Income [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element918" xlink:to="label918" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract" xlink:label="element919" />
        <label xlink:type="resource" xlink:label="label919" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_StatementOfFinancialPositionAbstract_en-US">Statement of Financial Position [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element919" xlink:to="label919" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="element920" />
        <label xlink:type="resource" xlink:label="label920" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_StatementBusinessSegmentsAxis_en-US">Segments [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element920" xlink:to="label920" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockOptionMember" xlink:label="element921" />
        <label xlink:type="resource" xlink:label="label921" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_StockOptionMember_en-US">Equity Option [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element921" xlink:to="label921" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockOptionMember" xlink:label="element922" />
        <label xlink:type="resource" xlink:label="label922" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_StockOptionMember_en-US">Stock options [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element922" xlink:to="label922" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="element923" />
        <label xlink:type="resource" xlink:label="label923" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_StockholdersEquityAbstract_en-US">Shareholders' Equity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element923" xlink:to="label923" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="element924" />
        <label xlink:type="resource" xlink:label="label924" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_StockholdersEquityAbstract_en-US">Stockholders' Equity Attributable to Parent [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element924" xlink:to="label924" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="element925" />
        <label xlink:type="resource" xlink:label="label925" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_us-gaap_StockholdersEquity_en-US">Ending Balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element925" xlink:to="label925" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="element926" />
        <label xlink:type="resource" xlink:label="label926" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_us-gaap_StockholdersEquity_en-US">Beginning Balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element926" xlink:to="label926" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="element927" />
        <label xlink:type="resource" xlink:label="label927" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_StockholdersEquity_en-US">Total shareholders' equity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element927" xlink:to="label927" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="element928" />
        <label xlink:type="resource" xlink:label="label928" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_StockholdersEquity_en-US">Total shareholders' equity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element928" xlink:to="label928" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="element929" />
        <label xlink:type="resource" xlink:label="label929" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_StockholdersEquity_en-US">Shareholders' equity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element929" xlink:to="label929" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="element930" />
        <label xlink:type="resource" xlink:label="label930" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_StockholdersEquity_en-US">Stockholders' Equity Attributable to Parent</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element930" xlink:to="label930" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMoreDomestic" xlink:label="element931" />
        <label xlink:type="resource" xlink:label="label931" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_TimeDeposits100000OrMoreDomestic_en-US">U.S.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element931" xlink:to="label931" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMoreDomestic" xlink:label="element932" />
        <label xlink:type="resource" xlink:label="label932" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_TimeDeposits100000OrMoreDomestic_en-US">Time Deposits, $100,000 or More, Domestic</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element932" xlink:to="label932" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFive" xlink:label="element933" />
        <label xlink:type="resource" xlink:label="label933" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_TimeDepositMaturitiesYearFive_en-US">2018</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element933" xlink:to="label933" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFive" xlink:label="element934" />
        <label xlink:type="resource" xlink:label="label934" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_TimeDepositMaturitiesYearFive_en-US">Time Deposit Maturities, Year Five</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element934" xlink:to="label934" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits" xlink:label="element935" />
        <label xlink:type="resource" xlink:label="label935" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_TimeDeposits_en-US">Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element935" xlink:to="label935" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits" xlink:label="element936" />
        <label xlink:type="resource" xlink:label="label936" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_TimeDeposits_en-US">Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element936" xlink:to="label936" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits" xlink:label="element937" />
        <label xlink:type="resource" xlink:label="label937" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_TimeDeposits_en-US">Certificates of deposit</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element937" xlink:to="label937" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits" xlink:label="element938" />
        <label xlink:type="resource" xlink:label="label938" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_TimeDeposits_en-US">Time Deposits</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element938" xlink:to="label938" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMoreAbstract" xlink:label="element939" />
        <label xlink:type="resource" xlink:label="label939" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_TimeDeposits100000OrMoreAbstract_en-US">Time Deposits 100000 Or More [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element939" xlink:to="label939" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositsByMaturityAbstract" xlink:label="element940" />
        <label xlink:type="resource" xlink:label="label940" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_TimeDepositsByMaturityAbstract_en-US">Time Deposits By Maturity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element940" xlink:to="label940" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositsByMaturityAbstract" xlink:label="element941" />
        <label xlink:type="resource" xlink:label="label941" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_TimeDepositsByMaturityAbstract_en-US">Time Deposits, by Maturity [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element941" xlink:to="label941" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearThree" xlink:label="element942" />
        <label xlink:type="resource" xlink:label="label942" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_TimeDepositMaturitiesYearThree_en-US">2016</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element942" xlink:to="label942" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearThree" xlink:label="element943" />
        <label xlink:type="resource" xlink:label="label943" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_TimeDepositMaturitiesYearThree_en-US">Time Deposit Maturities, Year Three</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element943" xlink:to="label943" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMore" xlink:label="element944" />
        <label xlink:type="resource" xlink:label="label944" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_TimeDeposits100000OrMore_en-US">Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element944" xlink:to="label944" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMore" xlink:label="element945" />
        <label xlink:type="resource" xlink:label="label945" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_TimeDeposits100000OrMore_en-US">Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element945" xlink:to="label945" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMore" xlink:label="element946" />
        <label xlink:type="resource" xlink:label="label946" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_TimeDeposits100000OrMore_en-US">Time Deposits, $100,000 or More</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element946" xlink:to="label946" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:label="element947" />
        <label xlink:type="resource" xlink:label="label947" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_TimeDepositMaturitiesAfterYearFive_en-US">After 5 years</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element947" xlink:to="label947" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:label="element948" />
        <label xlink:type="resource" xlink:label="label948" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_TimeDepositMaturitiesAfterYearFive_en-US">After 5 years</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element948" xlink:to="label948" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:label="element949" />
        <label xlink:type="resource" xlink:label="label949" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_TimeDepositMaturitiesAfterYearFive_en-US">Time Deposit Maturities, after Year Five</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element949" xlink:to="label949" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMoreForeign" xlink:label="element950" />
        <label xlink:type="resource" xlink:label="label950" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_TimeDeposits100000OrMoreForeign_en-US">Non-U.S.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element950" xlink:to="label950" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMoreForeign" xlink:label="element951" />
        <label xlink:type="resource" xlink:label="label951" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_TimeDeposits100000OrMoreForeign_en-US">Non-U.S.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element951" xlink:to="label951" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMoreForeign" xlink:label="element952" />
        <label xlink:type="resource" xlink:label="label952" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_TimeDeposits100000OrMoreForeign_en-US">Time Deposits, $100,000 or More, Foreign</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element952" xlink:to="label952" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearTwo" xlink:label="element953" />
        <label xlink:type="resource" xlink:label="label953" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_TimeDepositMaturitiesYearTwo_en-US">2015</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element953" xlink:to="label953" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearTwo" xlink:label="element954" />
        <label xlink:type="resource" xlink:label="label954" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_TimeDepositMaturitiesYearTwo_en-US">Time Deposit Maturities, Year Two</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element954" xlink:to="label954" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearOne" xlink:label="element955" />
        <label xlink:type="resource" xlink:label="label955" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_TimeDepositMaturitiesYearOne_en-US">2014</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element955" xlink:to="label955" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearOne" xlink:label="element956" />
        <label xlink:type="resource" xlink:label="label956" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_TimeDepositMaturitiesYearOne_en-US">Time Deposit Maturities, Year One</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element956" xlink:to="label956" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFour" xlink:label="element957" />
        <label xlink:type="resource" xlink:label="label957" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_TimeDepositMaturitiesYearFour_en-US">2017</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element957" xlink:to="label957" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFour" xlink:label="element958" />
        <label xlink:type="resource" xlink:label="label958" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_TimeDepositMaturitiesYearFour_en-US">Time Deposit Maturities, Year Four</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element958" xlink:to="label958" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock" xlink:label="element959" />
        <label xlink:type="resource" xlink:label="label959" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock_en-US">Asset Securitizations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element959" xlink:to="label959" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock" xlink:label="element960" />
        <label xlink:type="resource" xlink:label="label960" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock_en-US">Transfers and Servicing of Financial Assets, Policy [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element960" xlink:to="label960" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" xlink:label="element961" />
        <label xlink:type="resource" xlink:label="label961" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_en-US">Troubled Debt Restructurings on Financing Receivables [Table Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element961" xlink:to="label961" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" xlink:label="element962" />
        <label xlink:type="resource" xlink:label="label962" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_en-US">Troubled debt restructurings</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element962" xlink:to="label962" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TotalReturnSwapMember" xlink:label="element963" />
        <label xlink:type="resource" xlink:label="label963" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_TotalReturnSwapMember_en-US">Total Return Swap [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element963" xlink:to="label963" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:label="element964" />
        <label xlink:type="resource" xlink:label="label964" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_en-US">U.S. Government agency obligations [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element964" xlink:to="label964" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:label="element965" />
        <label xlink:type="resource" xlink:label="label965" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_USStatesAndPoliticalSubdivisionsMember_en-US">U.S. States and Political Subdivisions Debt Securities [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element965" xlink:to="label965" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USTreasurySecuritiesMember" xlink:label="element966" />
        <label xlink:type="resource" xlink:label="label966" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_USTreasurySecuritiesMember_en-US">U.S. Government treasury obligations [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element966" xlink:to="label966" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ValuationAllowancesAndReservesRecoveries" xlink:label="element967" />
        <label xlink:type="resource" xlink:label="label967" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_ValuationAllowancesAndReservesRecoveries_en-US">Allowance for Card Member Receivables and Reserves, Recoveries of Bad Debts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element967" xlink:to="label967" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ValuationAllowancesAndReservesRecoveries" xlink:label="element968" />
        <label xlink:type="resource" xlink:label="label968" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_ValuationAllowancesAndReservesRecoveries_en-US">Valuation Allowances and Reserves, Recoveries</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element968" xlink:to="label968" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:label="element969" />
        <label xlink:type="resource" xlink:label="label969" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_en-US">Variable Interest Entities by Classification of Entity [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element969" xlink:to="label969" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:label="element970" />
        <label xlink:type="resource" xlink:label="label970" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_en-US">Variable Interest Enterprise [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element970" xlink:to="label970" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="element971" />
        <label xlink:type="resource" xlink:label="label971" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_en-US">Basic</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element971" xlink:to="label971" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="element972" />
        <label xlink:type="resource" xlink:label="label972" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_en-US">Basic</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element972" xlink:to="label972" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="element973" />
        <label xlink:type="resource" xlink:label="label973" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_en-US">Weighted Average Number of Shares Outstanding, Basic</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element973" xlink:to="label973" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="element974" />
        <label xlink:type="resource" xlink:label="label974" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_en-US">Basic: Weighted-average common stock</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element974" xlink:to="label974" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="element975" />
        <label xlink:type="resource" xlink:label="label975" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_en-US">Diluted</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element975" xlink:to="label975" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="element976" />
        <label xlink:type="resource" xlink:label="label976" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_en-US">Diluted</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element976" xlink:to="label976" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="element977" />
        <label xlink:type="resource" xlink:label="label977" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_en-US">Weighted Average Number of Shares Outstanding, Diluted</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element977" xlink:to="label977" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_AmendmentDescription" xlink:label="element978" />
        <label xlink:type="resource" xlink:label="label978" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_AmendmentDescription_en-US">Amendment Description</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element978" xlink:to="label978" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_AmendmentFlag" xlink:label="element979" />
        <label xlink:type="resource" xlink:label="label979" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_AmendmentFlag_en-US">Amendment Flag</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element979" xlink:to="label979" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_CurrentFiscalYearEndDate" xlink:label="element980" />
        <label xlink:type="resource" xlink:label="label980" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_CurrentFiscalYearEndDate_en-US">Current Fiscal Year End Date</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element980" xlink:to="label980" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_DocumentPeriodEndDate" xlink:label="element981" />
        <label xlink:type="resource" xlink:label="label981" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_DocumentPeriodEndDate_en-US">Document Period End Date</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element981" xlink:to="label981" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:label="element982" />
        <label xlink:type="resource" xlink:label="label982" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityDomain_en-US">Entity [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element982" xlink:to="label982" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="element983" />
        <label xlink:type="resource" xlink:label="label983" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityWellKnownSeasonedIssuer_en-US">Entity Well-known Seasoned Issuer</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element983" xlink:to="label983" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityVoluntaryFilers" xlink:label="element984" />
        <label xlink:type="resource" xlink:label="label984" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityVoluntaryFilers_en-US">Entity Voluntary Filers</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element984" xlink:to="label984" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityCurrentReportingStatus" xlink:label="element985" />
        <label xlink:type="resource" xlink:label="label985" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityCurrentReportingStatus_en-US">Entity Current Reporting Status</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element985" xlink:to="label985" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityFilerCategory" xlink:label="element986" />
        <label xlink:type="resource" xlink:label="label986" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityFilerCategory_en-US">Entity Filer Category</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element986" xlink:to="label986" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityPublicFloat" xlink:label="element987" />
        <label xlink:type="resource" xlink:label="label987" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityPublicFloat_en-US">Entity Public Float</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element987" xlink:to="label987" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityRegistrantName" xlink:label="element988" />
        <label xlink:type="resource" xlink:label="label988" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityRegistrantName_en-US">Entity Registrant Name</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element988" xlink:to="label988" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityCentralIndexKey" xlink:label="element989" />
        <label xlink:type="resource" xlink:label="label989" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityCentralIndexKey_en-US">Entity Central Index Key</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element989" xlink:to="label989" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="element990" />
        <label xlink:type="resource" xlink:label="label990" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityCommonStockSharesOutstanding_en-US">Entity Common Stock, Shares Outstanding</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element990" xlink:to="label990" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_DocumentFiscalYearFocus" xlink:label="element991" />
        <label xlink:type="resource" xlink:label="label991" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_DocumentFiscalYearFocus_en-US">Document Fiscal Year Focus</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element991" xlink:to="label991" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="element992" />
        <label xlink:type="resource" xlink:label="label992" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_DocumentFiscalPeriodFocus_en-US">Document Fiscal Period Focus</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element992" xlink:to="label992" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:label="element993" />
        <label xlink:type="resource" xlink:label="label993" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_LegalEntityAxis_en-US">Legal Entity [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element993" xlink:to="label993" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_DocumentType" xlink:label="element994" />
        <label xlink:type="resource" xlink:label="label994" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_DocumentType_en-US">Document Type</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element994" xlink:to="label994" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentSecuritiesDetailsAbstract" xlink:label="element995" />
        <label xlink:type="resource" xlink:label="label995" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_InvestmentSecuritiesDetailsAbstract_en-US">Investment Securities (Details) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element995" xlink:to="label995" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentSecuritiesDetailsAbstract" xlink:label="element996" />
        <label xlink:type="resource" xlink:label="label996" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_InvestmentSecuritiesDetailsAbstract_en-US">Investment Securities Details.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element996" xlink:to="label996" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentSecuritiesTablesAbstract" xlink:label="element997" />
        <label xlink:type="resource" xlink:label="label997" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_InvestmentSecuritiesTablesAbstract_en-US">Investment Securities (Tables) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element997" xlink:to="label997" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentSecuritiesTablesAbstract" xlink:label="element998" />
        <label xlink:type="resource" xlink:label="label998" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_InvestmentSecuritiesTablesAbstract_en-US">Investment Securities Tables.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element998" xlink:to="label998" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DocumentAndEntityInformationAbstract" xlink:label="element999" />
        <label xlink:type="resource" xlink:label="label999" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_DocumentAndEntityInformationAbstract_en-US">Document and Entity Information [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element999" xlink:to="label999" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DocumentAndEntityInformationAbstract" xlink:label="element1000" />
        <label xlink:type="resource" xlink:label="label1000" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_DocumentAndEntityInformationAbstract_en-US">Document and Entity Information Abstract.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1000" xlink:to="label1000" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetSecuritizationsDetailsAbstract" xlink:label="element1001" />
        <label xlink:type="resource" xlink:label="label1001" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AssetSecuritizationsDetailsAbstract_en-US">Asset Securitizations (Details) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1001" xlink:to="label1001" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetSecuritizationsDetailsAbstract" xlink:label="element1002" />
        <label xlink:type="resource" xlink:label="label1002" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_AssetSecuritizationsDetailsAbstract_en-US">Asset Securitizations.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1002" xlink:to="label1002" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TotalRevenuesNetOfInterestExpense" xlink:label="element1003" />
        <label xlink:type="resource" xlink:label="label1003" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_TotalRevenuesNetOfInterestExpense_en-US">Total Revenues Net Of Interest Expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1003" xlink:to="label1003" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TotalRevenuesNetOfInterestExpense" xlink:label="element1004" />
        <label xlink:type="resource" xlink:label="label1004" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_axp_TotalRevenuesNetOfInterestExpense_en-US">Total revenues net of interest expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1004" xlink:to="label1004" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TotalRevenuesNetOfInterestExpense" xlink:label="element1005" />
        <label xlink:type="resource" xlink:label="label1005" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_TotalRevenuesNetOfInterestExpense_en-US">Total revenues net of interest expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1005" xlink:to="label1005" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TotalRevenuesNetOfInterestExpense" xlink:label="element1006" />
        <label xlink:type="resource" xlink:label="label1006" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_axp_TotalRevenuesNetOfInterestExpense_en-US">Total revenues, net of interest expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1006" xlink:to="label1006" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TotalRevenuesNetOfInterestExpense" xlink:label="element1007" />
        <label xlink:type="resource" xlink:label="label1007" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_TotalRevenuesNetOfInterestExpense_en-US">Revenues from discount revenue, net card fees, travel commissions and fees, other commissions and fees, securitization income, net, other related income, and net interest income during the period.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1007" xlink:to="label1007" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarketingPromotionRewardsAndCardmemberServices" xlink:label="element1008" />
        <label xlink:type="resource" xlink:label="label1008" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_MarketingPromotionRewardsAndCardmemberServices_en-US">Marketing Promotion Rewards And Cardmember Services</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1008" xlink:to="label1008" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarketingPromotionRewardsAndCardmemberServices" xlink:label="element1009" />
        <label xlink:type="resource" xlink:label="label1009" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_axp_MarketingPromotionRewardsAndCardmemberServices_en-US">Total marketing, promotion, rewards, Card Member services and other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1009" xlink:to="label1009" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarketingPromotionRewardsAndCardmemberServices" xlink:label="element1010" />
        <label xlink:type="resource" xlink:label="label1010" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_MarketingPromotionRewardsAndCardmemberServices_en-US">Marketing, promotion, rewards and Card Member services</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1010" xlink:to="label1010" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarketingPromotionRewardsAndCardmemberServices" xlink:label="element1011" />
        <label xlink:type="resource" xlink:label="label1011" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_MarketingPromotionRewardsAndCardmemberServices_en-US">Marketing and promotion expense includes advertising costs. Cardmember rewards expense includes the costs of rewards programs (including Membership Rewards). Cardmember services expense includes protection plans and complimentary services provided to cardmembers.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1011" xlink:to="label1011" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarketingPromotionRewardsAndCardmemberServices" xlink:label="element1012" />
        <label xlink:type="resource" xlink:label="label1012" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_axp_MarketingPromotionRewardsAndCardmemberServices_en-US">Total marketing, promotion, rewards, Card Member services and other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1012" xlink:to="label1012" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses" xlink:label="element1013" />
        <label xlink:type="resource" xlink:label="label1013" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses_en-US">Total Revenues Net of Interest Expense After Provisions for Losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1013" xlink:to="label1013" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses" xlink:label="element1014" />
        <label xlink:type="resource" xlink:label="label1014" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses_en-US">Total revenues net of interest expense after provisions for losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1014" xlink:to="label1014" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses" xlink:label="element1015" />
        <label xlink:type="resource" xlink:label="label1015" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses_en-US">Total revenues net of interest expense after provisions for losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1015" xlink:to="label1015" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses" xlink:label="element1016" />
        <label xlink:type="resource" xlink:label="label1016" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses_en-US">Revenues from discount revenue, net card fees, travel commissions and fees, other commissions and fees, securitization, other related income, and net interest income offset by provisions for losses during the period.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1016" xlink:to="label1016" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TravelCommissionsAndFees" xlink:label="element1017" />
        <label xlink:type="resource" xlink:label="label1017" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_TravelCommissionsAndFees_en-US">Travel Commissions And Fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1017" xlink:to="label1017" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TravelCommissionsAndFees" xlink:label="element1018" />
        <label xlink:type="resource" xlink:label="label1018" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_TravelCommissionsAndFees_en-US">Travel commissions and fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1018" xlink:to="label1018" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TravelCommissionsAndFees" xlink:label="element1019" />
        <label xlink:type="resource" xlink:label="label1019" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_TravelCommissionsAndFees_en-US">Commissions and fees earned by charging clients transaction or management fees for selling and arranging travel and travel management services. Client transaction fee revenue is recognized at the time the client books the travel arrangements. Travel management services revenue is recognized over the contractual term of the agreement. The Company's travel suppliers (for example, airlines, hotels, car rental companies) pay commissions and fees on tickets issued, sales and other services based on contractual agreements. Commissions and fees from travel suppliers are generally recognized at the time a ticket is purchased or over the term of the contract. Commissions and fees that are based on actual usage that is unknown at time of purchase (for example, hotel and car rentals), are recognized when cash is received.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1019" xlink:to="label1019" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DiscountRevenue" xlink:label="element1020" />
        <label xlink:type="resource" xlink:label="label1020" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_DiscountRevenue_en-US">Discount Revenue</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1020" xlink:to="label1020" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DiscountRevenue" xlink:label="element1021" />
        <label xlink:type="resource" xlink:label="label1021" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_DiscountRevenue_en-US">Discount revenue</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1021" xlink:to="label1021" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DiscountRevenue" xlink:label="element1022" />
        <label xlink:type="resource" xlink:label="label1022" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_DiscountRevenue_en-US">Represents revenue earned from fees charged to merchants with whom the Company has entered into a card acceptance agreement for processing cardmember transactions. The discount fee generally is deducted from the Company's payment reimbursing the merchant for cardmember purchases. Such amounts are reduced by contra-revenue such as payments to third-party card issuing partners, cash-back reward costs, and corporate incentive payments.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1022" xlink:to="label1022" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TravelersChequesOutstanding" xlink:label="element1023" />
        <label xlink:type="resource" xlink:label="label1023" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_TravelersChequesOutstanding_en-US">Travelers Cheques Outstanding</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1023" xlink:to="label1023" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TravelersChequesOutstanding" xlink:label="element1024" />
        <label xlink:type="resource" xlink:label="label1024" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_TravelersChequesOutstanding_en-US">Travelers Cheques and other prepaid products</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1024" xlink:to="label1024" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TravelersChequesOutstanding" xlink:label="element1025" />
        <label xlink:type="resource" xlink:label="label1025" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_TravelersChequesOutstanding_en-US">Carrying amount as of the balance sheet date of unencashed travelers cheques issued by the Company, as its liability to holders of the cheques.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1025" xlink:to="label1025" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherReceivablesReserves" xlink:label="element1026" />
        <label xlink:type="resource" xlink:label="label1026" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_OtherReceivablesReserves_en-US">Other Receivables Reserves</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1026" xlink:to="label1026" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherReceivablesReserves" xlink:label="element1027" />
        <label xlink:type="resource" xlink:label="label1027" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_OtherReceivablesReserves_en-US">Other receivables, reserves</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1027" xlink:to="label1027" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherReceivablesReserves" xlink:label="element1028" />
        <label xlink:type="resource" xlink:label="label1028" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_OtherReceivablesReserves_en-US">Reserves for losses relating to other receivables represent management's best estimate of the losses inherent in the Company's outstanding portfolio of other receivables.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1028" xlink:to="label1028" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EarningsPerCommonShareEpsDetailsAbstract" xlink:label="element1029" />
        <label xlink:type="resource" xlink:label="label1029" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_EarningsPerCommonShareEpsDetailsAbstract_en-US">Earnings Per Common Share EPS Details [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1029" xlink:to="label1029" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EarningsPerCommonShareEpsDetailsAbstract" xlink:label="element1030" />
        <label xlink:type="resource" xlink:label="label1030" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_EarningsPerCommonShareEpsDetailsAbstract_en-US">Earnings Per Common Share Eps Details.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1030" xlink:to="label1030" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetIncomeAttributableToCommonShareholdersAbstract" xlink:label="element1031" />
        <label xlink:type="resource" xlink:label="label1031" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_NetIncomeAttributableToCommonShareholdersAbstract_en-US">Net Income Attributable To Common Shareholders [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1031" xlink:to="label1031" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetIncomeAttributableToCommonShareholdersAbstract" xlink:label="element1032" />
        <label xlink:type="resource" xlink:label="label1032" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_NetIncomeAttributableToCommonShareholdersAbstract_en-US">Numerator:</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1032" xlink:to="label1032" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetIncomeAttributableToCommonShareholdersAbstract" xlink:label="element1033" />
        <label xlink:type="resource" xlink:label="label1033" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_NetIncomeAttributableToCommonShareholdersAbstract_en-US">Net Income Attributable To Common Shareholders.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1033" xlink:to="label1033" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EarningsPerCommonShareEpsTextualsAbstract" xlink:label="element1034" />
        <label xlink:type="resource" xlink:label="label1034" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_EarningsPerCommonShareEpsTextualsAbstract_en-US">Earnings Per Common Share Eps Textuals [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1034" xlink:to="label1034" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EarningsPerCommonShareEpsTextualsAbstract" xlink:label="element1035" />
        <label xlink:type="resource" xlink:label="label1035" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_EarningsPerCommonShareEpsTextualsAbstract_en-US">Earnings Per Common Share (Textuals) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1035" xlink:to="label1035" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EarningsPerCommonShareEpsTextualsAbstract" xlink:label="element1036" />
        <label xlink:type="resource" xlink:label="label1036" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_EarningsPerCommonShareEpsTextualsAbstract_en-US">Earnings Per Common Share Eps Textuals.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1036" xlink:to="label1036" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_USCardServicesMember" xlink:label="element1037" />
        <label xlink:type="resource" xlink:label="label1037" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_USCardServicesMember_en-US">U S Card Services [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1037" xlink:to="label1037" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_USCardServicesMember" xlink:label="element1038" />
        <label xlink:type="resource" xlink:label="label1038" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_USCardServicesMember_en-US">Represents U.S. Card Services reportable operating segment.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1038" xlink:to="label1038" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InternationalCardServicesMember" xlink:label="element1039" />
        <label xlink:type="resource" xlink:label="label1039" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_InternationalCardServicesMember_en-US">International Card Services [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1039" xlink:to="label1039" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InternationalCardServicesMember" xlink:label="element1040" />
        <label xlink:type="resource" xlink:label="label1040" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_InternationalCardServicesMember_en-US">Represents International Card Services reportable operating segment.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1040" xlink:to="label1040" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GlobalCommercialServicesMember" xlink:label="element1041" />
        <label xlink:type="resource" xlink:label="label1041" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_GlobalCommercialServicesMember_en-US">Global Commercial Services [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1041" xlink:to="label1041" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GlobalNetworkAndMerchantServicesMember" xlink:label="element1042" />
        <label xlink:type="resource" xlink:label="label1042" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_GlobalNetworkAndMerchantServicesMember_en-US">Global Network And Merchant Services [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1042" xlink:to="label1042" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GlobalNetworkAndMerchantServicesMember" xlink:label="element1043" />
        <label xlink:type="resource" xlink:label="label1043" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_GlobalNetworkAndMerchantServicesMember_en-US">Global Network And Merchant Services [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1043" xlink:to="label1043" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GlobalNetworkAndMerchantServicesMember" xlink:label="element1044" />
        <label xlink:type="resource" xlink:label="label1044" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_GlobalNetworkAndMerchantServicesMember_en-US">Represents Global Network and Merchant Services reportable operating segment.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1044" xlink:to="label1044" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValuesTablesAbstract" xlink:label="element1045" />
        <label xlink:type="resource" xlink:label="label1045" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_FairValuesTablesAbstract_en-US">Fair Values (Tables) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1045" xlink:to="label1045" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValuesTablesAbstract" xlink:label="element1046" />
        <label xlink:type="resource" xlink:label="label1046" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_FairValuesTablesAbstract_en-US">Fair Values Tables.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1046" xlink:to="label1046" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue" xlink:label="element1047" />
        <label xlink:type="resource" xlink:label="label1047" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue_en-US">Financial Instruments Liabilities Which Carrying Values Equal Or Approximate Fair Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1047" xlink:to="label1047" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue" xlink:label="element1048" />
        <label xlink:type="resource" xlink:label="label1048" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue_en-US">Financial liabilities for which carrying values equal or approximate fair value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1048" xlink:to="label1048" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue" xlink:label="element1049" />
        <label xlink:type="resource" xlink:label="label1049" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue_en-US">Financial liabilities for which carrying values equal or approximate fair value include accrued interest, customer deposits (excluding certificates of deposit), Travelers Cheques outstanding, short-term borrowings, and certain other liabilities for which the carrying values approximate fair value because they are short-term in duration, variable rate in nature, or have no defined maturity.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1049" xlink:to="label1049" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AvailableForSaleSecuritiesRatioOfFairValueToAmortizedCostTextBlock" xlink:label="element1050" />
        <label xlink:type="resource" xlink:label="label1050" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AvailableForSaleSecuritiesRatioOfFairValueToAmortizedCostTextBlock_en-US">Available For Sale Securities Ratio Of Fair Value To Amortized Cost [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1050" xlink:to="label1050" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AvailableForSaleSecuritiesRatioOfFairValueToAmortizedCostTextBlock" xlink:label="element1051" />
        <label xlink:type="resource" xlink:label="label1051" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_AvailableForSaleSecuritiesRatioOfFairValueToAmortizedCostTextBlock_en-US">Represents table summarizing the gross unrealized losses due to temporary impairments by ratio of fair value to amortized cost.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1051" xlink:to="label1051" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AvailableForSaleSecuritiesRatioOfFairValueToAmortizedCostTextBlock" xlink:label="element1052" />
        <label xlink:type="resource" xlink:label="label1052" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_AvailableForSaleSecuritiesRatioOfFairValueToAmortizedCostTextBlock_en-US">Available for Sale Securities Ratio of Fair Value to Amortized Cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1052" xlink:to="label1052" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValuesDetailsAbstract" xlink:label="element1053" />
        <label xlink:type="resource" xlink:label="label1053" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_FairValuesDetailsAbstract_en-US">Fair Values (Details) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1053" xlink:to="label1053" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValuesDetailsAbstract" xlink:label="element1054" />
        <label xlink:type="resource" xlink:label="label1054" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_FairValuesDetailsAbstract_en-US">s</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1054" xlink:to="label1054" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValuesDetailsAbstract" xlink:label="element1055" />
        <label xlink:type="resource" xlink:label="label1055" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_FairValuesDetailsAbstract_en-US">Fair Values.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1055" xlink:to="label1055" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValuesTextualsAbstract" xlink:label="element1056" />
        <label xlink:type="resource" xlink:label="label1056" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_FairValuesTextualsAbstract_en-US">Fair Values (Textuals) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1056" xlink:to="label1056" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValuesTextualsAbstract" xlink:label="element1057" />
        <label xlink:type="resource" xlink:label="label1057" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_FairValuesTextualsAbstract_en-US">Fair Values (Textuals) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1057" xlink:to="label1057" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DepositLiabilitiesDisclosuresAbstract" xlink:label="element1058" />
        <label xlink:type="resource" xlink:label="label1058" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_axp_DepositLiabilitiesDisclosuresAbstract_en-US">Customer Deposit [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1058" xlink:to="label1058" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DepositLiabilitiesDisclosuresAbstract" xlink:label="element1059" />
        <label xlink:type="resource" xlink:label="label1059" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_DepositLiabilitiesDisclosuresAbstract_en-US">Deposit Liabilities Disclosures.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1059" xlink:to="label1059" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DepositLiabilitiesDisclosuresAbstract" xlink:label="element1060" />
        <label xlink:type="resource" xlink:label="label1060" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_DepositLiabilitiesDisclosuresAbstract_en-US">Deposit Liabilities Disclosures [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1060" xlink:to="label1060" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CustomerDepositsTablesAbstract" xlink:label="element1061" />
        <label xlink:type="resource" xlink:label="label1061" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CustomerDepositsTablesAbstract_en-US">Customer Deposits (Tables) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1061" xlink:to="label1061" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CustomerDepositsTablesAbstract" xlink:label="element1062" />
        <label xlink:type="resource" xlink:label="label1062" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CustomerDepositsTablesAbstract_en-US">Customer Deposits Tables.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1062" xlink:to="label1062" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CustomerDepositsDetailsAbstract" xlink:label="element1063" />
        <label xlink:type="resource" xlink:label="label1063" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CustomerDepositsDetailsAbstract_en-US">Customer Deposits (Details) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1063" xlink:to="label1063" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CustomerDepositsDetailsAbstract" xlink:label="element1064" />
        <label xlink:type="resource" xlink:label="label1064" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CustomerDepositsDetailsAbstract_en-US">Customer Deposits Details.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1064" xlink:to="label1064" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesDetailsAbstract" xlink:label="element1065" />
        <label xlink:type="resource" xlink:label="label1065" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_DerivativesAndHedgingActivitiesDetailsAbstract_en-US">Derivatives and Hedging Activities (Details) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1065" xlink:to="label1065" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesDetailsAbstract" xlink:label="element1066" />
        <label xlink:type="resource" xlink:label="label1066" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_DerivativesAndHedgingActivitiesDetailsAbstract_en-US">Derivatives and Hedging Activities Details.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1066" xlink:to="label1066" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GuaranteesDetailsAbstract" xlink:label="element1067" />
        <label xlink:type="resource" xlink:label="label1067" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_GuaranteesDetailsAbstract_en-US">Guarantees (Details) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1067" xlink:to="label1067" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GuaranteesDetailsAbstract" xlink:label="element1068" />
        <label xlink:type="resource" xlink:label="label1068" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_GuaranteesDetailsAbstract_en-US">Guarantees Details.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1068" xlink:to="label1068" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DepositsByComponentAlternativeTextBlock" xlink:label="element1069" />
        <label xlink:type="resource" xlink:label="label1069" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_DepositsByComponentAlternativeTextBlock_en-US">Deposits By Component Alternative [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1069" xlink:to="label1069" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DepositsByComponentAlternativeTextBlock" xlink:label="element1070" />
        <label xlink:type="resource" xlink:label="label1070" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_DepositsByComponentAlternativeTextBlock_en-US">Deposits By Component Alternative</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1070" xlink:to="label1070" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DepositsByComponentAlternativeTextBlock" xlink:label="element1071" />
        <label xlink:type="resource" xlink:label="label1071" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_DepositsByComponentAlternativeTextBlock_en-US">Represents table categorizing customer deposits as interest-bearing or non-interest-bearing deposits, as well as by U.S. or Non-U.S.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1071" xlink:to="label1071" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DepositsByTypeTextBlock" xlink:label="element1072" />
        <label xlink:type="resource" xlink:label="label1072" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_DepositsByTypeTextBlock_en-US">Deposits By Type [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1072" xlink:to="label1072" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DepositsByTypeTextBlock" xlink:label="element1073" />
        <label xlink:type="resource" xlink:label="label1073" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_DepositsByTypeTextBlock_en-US">Deposits By Type</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1073" xlink:to="label1073" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DepositsByTypeTextBlock" xlink:label="element1074" />
        <label xlink:type="resource" xlink:label="label1074" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_DepositsByTypeTextBlock_en-US">Represents table aggregated by deposit type offered by the Company.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1074" xlink:to="label1074" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TimeDepositsByMaturityTextBlock" xlink:label="element1075" />
        <label xlink:type="resource" xlink:label="label1075" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_TimeDepositsByMaturityTextBlock_en-US">Time Deposits By Maturity [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1075" xlink:to="label1075" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TimeDepositsByMaturityTextBlock" xlink:label="element1076" />
        <label xlink:type="resource" xlink:label="label1076" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_TimeDepositsByMaturityTextBlock_en-US">Time Deposits By Maturity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1076" xlink:to="label1076" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TimeDepositsByMaturityTextBlock" xlink:label="element1077" />
        <label xlink:type="resource" xlink:label="label1077" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_TimeDepositsByMaturityTextBlock_en-US">Represents table detailing scheduled maturities of all certificates of deposit.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1077" xlink:to="label1077" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardAndTravelOperationsMember" xlink:label="element1078" />
        <label xlink:type="resource" xlink:label="label1078" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CardAndTravelOperationsMember_en-US">Card and Travel Operations [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1078" xlink:to="label1078" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardAndTravelOperationsMember" xlink:label="element1079" />
        <label xlink:type="resource" xlink:label="label1079" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CardAndTravelOperationsMember_en-US">Represents guarantees related to Credit Card Registry, Return Protection, Account Protection and Merchant Protection, which the Company offers directly to cardmembers.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1079" xlink:to="label1079" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GuaranteeObligationsLineItemsAbstract" xlink:label="element1080" />
        <label xlink:type="resource" xlink:label="label1080" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_GuaranteeObligationsLineItemsAbstract_en-US">Guarantee Obligations Line Items [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1080" xlink:to="label1080" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GuaranteeObligationsLineItemsAbstract" xlink:label="element1081" />
        <label xlink:type="resource" xlink:label="label1081" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_GuaranteeObligationsLineItemsAbstract_en-US">Information related to guarantees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1081" xlink:to="label1081" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GuaranteeObligationsLineItemsAbstract" xlink:label="element1082" />
        <label xlink:type="resource" xlink:label="label1082" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_GuaranteeObligationsLineItemsAbstract_en-US">Guarantee Obligations Line Items.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1082" xlink:to="label1082" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfGuaranteeAbstract" xlink:label="element1083" />
        <label xlink:type="resource" xlink:label="label1083" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_TypeOfGuaranteeAbstract_en-US">Type Of Guarantee [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1083" xlink:to="label1083" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfGuaranteeAbstract" xlink:label="element1084" />
        <label xlink:type="resource" xlink:label="label1084" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_TypeOfGuaranteeAbstract_en-US">Type of Guarantee</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1084" xlink:to="label1084" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfGuaranteeAbstract" xlink:label="element1085" />
        <label xlink:type="resource" xlink:label="label1085" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_TypeOfGuaranteeAbstract_en-US">Type Of Guarantee.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1085" xlink:to="label1085" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesTablesAbstract" xlink:label="element1086" />
        <label xlink:type="resource" xlink:label="label1086" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_DerivativesAndHedgingActivitiesTablesAbstract_en-US">Derivatives and Hedging Activities (Tables) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1086" xlink:to="label1086" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesTablesAbstract" xlink:label="element1087" />
        <label xlink:type="resource" xlink:label="label1087" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_DerivativesAndHedgingActivitiesTablesAbstract_en-US">Derivatives and Hedging Activities Tables.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1087" xlink:to="label1087" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EffectOfFairValueHedgesOnResultsOfOperationsTextBlock" xlink:label="element1088" />
        <label xlink:type="resource" xlink:label="label1088" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_EffectOfFairValueHedgesOnResultsOfOperationsTextBlock_en-US">Effect Of Fair Value Hedges On Results Of Operations [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1088" xlink:to="label1088" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EffectOfFairValueHedgesOnResultsOfOperationsTextBlock" xlink:label="element1089" />
        <label xlink:type="resource" xlink:label="label1089" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_EffectOfFairValueHedgesOnResultsOfOperationsTextBlock_en-US">Effect of fair value hedges on results of operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1089" xlink:to="label1089" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EffectOfFairValueHedgesOnResultsOfOperationsTextBlock" xlink:label="element1090" />
        <label xlink:type="resource" xlink:label="label1090" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_EffectOfFairValueHedgesOnResultsOfOperationsTextBlock_en-US">Represents table summarizing the impact of fair value hedges on the Consolidated Statements of Income for the period.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1090" xlink:to="label1090" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativeInstrumentsGainLossRecognizedInIncomeTextBlock" xlink:label="element1091" />
        <label xlink:type="resource" xlink:label="label1091" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_DerivativeInstrumentsGainLossRecognizedInIncomeTextBlock_en-US">Derivative Instruments Gain Loss Recognized In Income [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1091" xlink:to="label1091" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativeInstrumentsGainLossRecognizedInIncomeTextBlock" xlink:label="element1092" />
        <label xlink:type="resource" xlink:label="label1092" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_DerivativeInstrumentsGainLossRecognizedInIncomeTextBlock_en-US">Derivative instruments gain loss recognized in income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1092" xlink:to="label1092" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativeInstrumentsGainLossRecognizedInIncomeTextBlock" xlink:label="element1093" />
        <label xlink:type="resource" xlink:label="label1093" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_DerivativeInstrumentsGainLossRecognizedInIncomeTextBlock_en-US">Represents table summarizing the impact of derivatives not designated as hedges on the Consolidated Statements of Income for the period.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1093" xlink:to="label1093" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesTextualsAbstract" xlink:label="element1094" />
        <label xlink:type="resource" xlink:label="label1094" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_DerivativesAndHedgingActivitiesTextualsAbstract_en-US">Derivatives And Hedging Activities Textuals [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1094" xlink:to="label1094" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesTextualsAbstract" xlink:label="element1095" />
        <label xlink:type="resource" xlink:label="label1095" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_DerivativesAndHedgingActivitiesTextualsAbstract_en-US">Derivatives and Hedging Activities (Textuals) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1095" xlink:to="label1095" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesTextualsAbstract" xlink:label="element1096" />
        <label xlink:type="resource" xlink:label="label1096" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_DerivativesAndHedgingActivitiesTextualsAbstract_en-US">Derivatives and Hedging Activities.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1096" xlink:to="label1096" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherIncomeAndOtherExpenseDisclosureAbstract" xlink:label="element1097" />
        <label xlink:type="resource" xlink:label="label1097" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_axp_OtherIncomeAndOtherExpenseDisclosureAbstract_en-US">Details of Certain Consolidated Statements of Income Lines [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1097" xlink:to="label1097" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherIncomeAndOtherExpenseDisclosureAbstract" xlink:label="element1098" />
        <label xlink:type="resource" xlink:label="label1098" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_OtherIncomeAndOtherExpenseDisclosureAbstract_en-US">Other Income And Other Expense Disclosure .</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1098" xlink:to="label1098" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherIncomeAndOtherExpenseDisclosureAbstract" xlink:label="element1099" />
        <label xlink:type="resource" xlink:label="label1099" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_OtherIncomeAndOtherExpenseDisclosureAbstract_en-US">Other Income And Other Expense Disclosure [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1099" xlink:to="label1099" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncomeTaxesDetailsAbstract" xlink:label="element1100" />
        <label xlink:type="resource" xlink:label="label1100" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_IncomeTaxesDetailsAbstract_en-US">Income Taxes (Details) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1100" xlink:to="label1100" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncomeTaxesDetailsAbstract" xlink:label="element1101" />
        <label xlink:type="resource" xlink:label="label1101" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_IncomeTaxesDetailsAbstract_en-US">Income Taxes.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1101" xlink:to="label1101" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncomeTaxesDetailsAbstract" xlink:label="element1102" />
        <label xlink:type="resource" xlink:label="label1102" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_IncomeTaxesDetailsAbstract_en-US">Effective tax rate reconciliation</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1102" xlink:to="label1102" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncomeTaxesTextualsAbstract" xlink:label="element1103" />
        <label xlink:type="resource" xlink:label="label1103" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_IncomeTaxesTextualsAbstract_en-US">Income Taxes (Textuals) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1103" xlink:to="label1103" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncomeTaxesTextualsAbstract" xlink:label="element1104" />
        <label xlink:type="resource" xlink:label="label1104" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_IncomeTaxesTextualsAbstract_en-US">Income Taxes (Textuals)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1104" xlink:to="label1104" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncomeTaxesTextualsAbstract" xlink:label="element1105" />
        <label xlink:type="resource" xlink:label="label1105" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_IncomeTaxesTextualsAbstract_en-US">Income Taxes.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1105" xlink:to="label1105" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetIncomeAttributableToCommonShareholders" xlink:label="element1106" />
        <label xlink:type="resource" xlink:label="label1106" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_NetIncomeAttributableToCommonShareholders_en-US">Net Income Attributable To Common Shareholders</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1106" xlink:to="label1106" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetIncomeAttributableToCommonShareholders" xlink:label="element1107" />
        <label xlink:type="resource" xlink:label="label1107" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_axp_NetIncomeAttributableToCommonShareholders_en-US">Net income attributable to common shareholders</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1107" xlink:to="label1107" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetIncomeAttributableToCommonShareholders" xlink:label="element1108" />
        <label xlink:type="resource" xlink:label="label1108" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_NetIncomeAttributableToCommonShareholders_en-US">Represents net income attributable to common shareholders for basic and diluted earnings per share.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1108" xlink:to="label1108" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfDebtAxis" xlink:label="element1109" />
        <label xlink:type="resource" xlink:label="label1109" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_TypeOfDebtAxis_en-US">Type Of Debt [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1109" xlink:to="label1109" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfDebtAxis" xlink:label="element1110" />
        <label xlink:type="resource" xlink:label="label1110" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_TypeOfDebtAxis_en-US">Type Of Debt [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1110" xlink:to="label1110" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfDebtAxis" xlink:label="element1111" />
        <label xlink:type="resource" xlink:label="label1111" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_TypeOfDebtAxis_en-US">Information pertaining to the debt including the amount of gain or loss, the income tax effect on the gain or loss, and the amount of gain or loss, net or the related income tax, by debt instrument.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1111" xlink:to="label1111" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfDebtDomain" xlink:label="element1112" />
        <label xlink:type="resource" xlink:label="label1112" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_TypeOfDebtDomain_en-US">Type Of Debt [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1112" xlink:to="label1112" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfDebtDomain" xlink:label="element1113" />
        <label xlink:type="resource" xlink:label="label1113" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_TypeOfDebtDomain_en-US">Type Of Debt [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1113" xlink:to="label1113" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfDebtDomain" xlink:label="element1114" />
        <label xlink:type="resource" xlink:label="label1114" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_TypeOfDebtDomain_en-US">Type of debt by instrument.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1114" xlink:to="label1114" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarketingPromotionRewardsAndCardmemberServicesTextBlock" xlink:label="element1115" />
        <label xlink:type="resource" xlink:label="label1115" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_MarketingPromotionRewardsAndCardmemberServicesTextBlock_en-US">Marketing Promotion Rewards And Cardmember Services [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1115" xlink:to="label1115" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarketingPromotionRewardsAndCardmemberServicesTextBlock" xlink:label="element1116" />
        <label xlink:type="resource" xlink:label="label1116" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_MarketingPromotionRewardsAndCardmemberServicesTextBlock_en-US">Represents table summarizing a detail of marketing, promotion, rewards and cardmember services.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1116" xlink:to="label1116" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarketingPromotionRewardsAndCardmemberServicesTextBlock" xlink:label="element1117" />
        <label xlink:type="resource" xlink:label="label1117" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_MarketingPromotionRewardsAndCardmemberServicesTextBlock_en-US">Detail of marketing, promotion, rewards and Card Member services</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1117" xlink:to="label1117" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherNetExpenseTextBlock" xlink:label="element1118" />
        <label xlink:type="resource" xlink:label="label1118" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_OtherNetExpenseTextBlock_en-US">Other Net Expense [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1118" xlink:to="label1118" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherNetExpenseTextBlock" xlink:label="element1119" />
        <label xlink:type="resource" xlink:label="label1119" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_OtherNetExpenseTextBlock_en-US">Represents table summarizing a detail of other, net expense.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1119" xlink:to="label1119" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherNetExpenseTextBlock" xlink:label="element1120" />
        <label xlink:type="resource" xlink:label="label1120" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_OtherNetExpenseTextBlock_en-US">Detail of other, net expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1120" xlink:to="label1120" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="element1121" />
        <label xlink:type="resource" xlink:label="label1121" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_en-US">Details of Certain Consolidated Statements of Income Lines (Details) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1121" xlink:to="label1121" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="element1122" />
        <label xlink:type="resource" xlink:label="label1122" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_en-US">Details of Certain Statements of Income Lines Details.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1122" xlink:to="label1122" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="element1123" />
        <label xlink:type="resource" xlink:label="label1123" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_en-US">Details Of Certain Statements Of Income Lines Details [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1123" xlink:to="label1123" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherCommissionsAndFeesTextBlock" xlink:label="element1124" />
        <label xlink:type="resource" xlink:label="label1124" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_OtherCommissionsAndFeesTextBlock_en-US">Other Commissions And Fees [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1124" xlink:to="label1124" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherCommissionsAndFeesTextBlock" xlink:label="element1125" />
        <label xlink:type="resource" xlink:label="label1125" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_OtherCommissionsAndFeesTextBlock_en-US">Details of other commissions and fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1125" xlink:to="label1125" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherCommissionsAndFeesTextBlock" xlink:label="element1126" />
        <label xlink:type="resource" xlink:label="label1126" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_OtherCommissionsAndFeesTextBlock_en-US">Represents table summarizing a detail of other commissions and fees.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1126" xlink:to="label1126" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherRevenuesTextBlock" xlink:label="element1127" />
        <label xlink:type="resource" xlink:label="label1127" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_OtherRevenuesTextBlock_en-US">Other revenues [text block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1127" xlink:to="label1127" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherRevenuesTextBlock" xlink:label="element1128" />
        <label xlink:type="resource" xlink:label="label1128" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_OtherRevenuesTextBlock_en-US">Details of other revenues</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1128" xlink:to="label1128" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherRevenuesTextBlock" xlink:label="element1129" />
        <label xlink:type="resource" xlink:label="label1129" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_OtherRevenuesTextBlock_en-US">Represents table summarizing a detail of other revenues.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1129" xlink:to="label1129" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AvailabeForSaleSecuritiesOtherMember" xlink:label="element1130" />
        <label xlink:type="resource" xlink:label="label1130" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_axp_AvailabeForSaleSecuritiesOtherMember_en-US">Securities Other [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1130" xlink:to="label1130" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AvailabeForSaleSecuritiesOtherMember" xlink:label="element1131" />
        <label xlink:type="resource" xlink:label="label1131" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_AvailabeForSaleSecuritiesOtherMember_en-US">This category includes information about other available for sale securities.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1131" xlink:to="label1131" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AvailabeForSaleSecuritiesOtherMember" xlink:label="element1132" />
        <label xlink:type="resource" xlink:label="label1132" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AvailabeForSaleSecuritiesOtherMember_en-US">Availabe For Sale Securities Other [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1132" xlink:to="label1132" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges" xlink:label="element1133" />
        <label xlink:type="resource" xlink:label="label1133" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges_en-US">Net Reduction To Interest Expense Long Term Debt And Other Related To Net Settlements On Fair Value Hedges</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1133" xlink:to="label1133" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges" xlink:label="element1134" />
        <label xlink:type="resource" xlink:label="label1134" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges_en-US">Net reduction in interest expense on long term debt and other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1134" xlink:to="label1134" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges" xlink:label="element1135" />
        <label xlink:type="resource" xlink:label="label1135" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges_en-US">Represents the amount of a net reduction to interest expense on long-term debt and other, primarily related to the net settlements on the Company's fair value hedges.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1135" xlink:to="label1135" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ImpairedLoansByModificationTypeLineItems" xlink:label="element1136" />
        <label xlink:type="resource" xlink:label="label1136" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_ImpairedLoansByModificationTypeLineItems_en-US">Impaired Loans By Modification Type [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1136" xlink:to="label1136" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ImpairedLoansByModificationTypeLineItems" xlink:label="element1137" />
        <label xlink:type="resource" xlink:label="label1137" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_ImpairedLoansByModificationTypeLineItems_en-US">Line items abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1137" xlink:to="label1137" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditQualityIndicatorForLoansAndReceivablesAbstract" xlink:label="element1138" />
        <label xlink:type="resource" xlink:label="label1138" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_en-US">Credit Quality Indicator for Loans and Receivables [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1138" xlink:to="label1138" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditQualityIndicatorForLoansAndReceivablesAbstract" xlink:label="element1139" />
        <label xlink:type="resource" xlink:label="label1139" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_en-US">Credit Quality Indicator for Loans and Receivables</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1139" xlink:to="label1139" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ThirtyDaysPastDueAsPercentageOfTotal" xlink:label="element1140" />
        <label xlink:type="resource" xlink:label="label1140" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_ThirtyDaysPastDueAsPercentageOfTotal_en-US">Thirty Days Past Due As Percentage Of Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1140" xlink:to="label1140" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ThirtyDaysPastDueAsPercentageOfTotal" xlink:label="element1141" />
        <label xlink:type="resource" xlink:label="label1141" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_ThirtyDaysPastDueAsPercentageOfTotal_en-US">30 Days Past Due as a % of Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1141" xlink:to="label1141" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ThirtyDaysPastDueAsPercentageOfTotal" xlink:label="element1142" />
        <label xlink:type="resource" xlink:label="label1142" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_ThirtyDaysPastDueAsPercentageOfTotal_en-US">Represents metric calculated as accounts receivable or loans that are 30 days past due expressed as a percentage of total accounts receivables or loans.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1142" xlink:to="label1142" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetLossRatioAsPercentageOfChargeVolume" xlink:label="element1143" />
        <label xlink:type="resource" xlink:label="label1143" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_NetLossRatioAsPercentageOfChargeVolume_en-US">Net Loss Ratio As Percentage Of Charge Volume</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1143" xlink:to="label1143" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetLossRatioAsPercentageOfChargeVolume" xlink:label="element1144" />
        <label xlink:type="resource" xlink:label="label1144" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_axp_NetLossRatioAsPercentageOfChargeVolume_en-US">Net Loss Ratio as a % of Charge Volume</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1144" xlink:to="label1144" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetLossRatioAsPercentageOfChargeVolume" xlink:label="element1145" />
        <label xlink:type="resource" xlink:label="label1145" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_NetLossRatioAsPercentageOfChargeVolume_en-US">Net Loss Ratio as a % of Charge Volume</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1145" xlink:to="label1145" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetLossRatioAsPercentageOfChargeVolume" xlink:label="element1146" />
        <label xlink:type="resource" xlink:label="label1146" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_NetLossRatioAsPercentageOfChargeVolume_en-US">Represents the ratio of charge card write-offs consisting of principal (resulting from authorized and unauthorized transactions) and fee components, less recoveries, on cardmember receivables expressed as a percentage of gross amounts billed to cardmembers.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1146" xlink:to="label1146" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTablesAbstract" xlink:label="element1147" />
        <label xlink:type="resource" xlink:label="label1147" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AccountsReceivableAndLoansTablesAbstract_en-US">Accounts Receivable and Loans (Tables) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1147" xlink:to="label1147" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTablesAbstract" xlink:label="element1148" />
        <label xlink:type="resource" xlink:label="label1148" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_AccountsReceivableAndLoansTablesAbstract_en-US">Accounts Receivable and Loans.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1148" xlink:to="label1148" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansDetailsAbstract" xlink:label="element1149" />
        <label xlink:type="resource" xlink:label="label1149" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AccountsReceivableAndLoansDetailsAbstract_en-US">Accounts Receivable and Loans (Details) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1149" xlink:to="label1149" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansDetailsAbstract" xlink:label="element1150" />
        <label xlink:type="resource" xlink:label="label1150" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_AccountsReceivableAndLoansDetailsAbstract_en-US">Accounts Receivable and Loans.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1150" xlink:to="label1150" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndLeasesReceivablesDisclosureAbstract" xlink:label="element1151" />
        <label xlink:type="resource" xlink:label="label1151" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_LoansAndLeasesReceivablesDisclosureAbstract_en-US">Loans And Leases Receivables Disclosure [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1151" xlink:to="label1151" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndLeasesReceivablesDisclosureAbstract" xlink:label="element1152" />
        <label xlink:type="resource" xlink:label="label1152" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_LoansAndLeasesReceivablesDisclosureAbstract_en-US">Loans segment information</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1152" xlink:to="label1152" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndLeasesReceivablesDisclosureAbstract" xlink:label="element1153" />
        <label xlink:type="resource" xlink:label="label1153" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_LoansAndLeasesReceivablesDisclosureAbstract_en-US">Loan And Leases Receivables Disclosure.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1153" xlink:to="label1153" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesForLossesTablesAbstract" xlink:label="element1154" />
        <label xlink:type="resource" xlink:label="label1154" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_ReservesForLossesTablesAbstract_en-US">Reserves For Losses Tables [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1154" xlink:to="label1154" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesForLossesTablesAbstract" xlink:label="element1155" />
        <label xlink:type="resource" xlink:label="label1155" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_ReservesForLossesTablesAbstract_en-US">Reserves for Losses.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1155" xlink:to="label1155" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesForLossesDetailsAbstract" xlink:label="element1156" />
        <label xlink:type="resource" xlink:label="label1156" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_ReservesForLossesDetailsAbstract_en-US">Reserves for Losses (Details) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1156" xlink:to="label1156" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesForLossesDetailsAbstract" xlink:label="element1157" />
        <label xlink:type="resource" xlink:label="label1157" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_ReservesForLossesDetailsAbstract_en-US">Reserves for Losses.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1157" xlink:to="label1157" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTextualsAbstract" xlink:label="element1158" />
        <label xlink:type="resource" xlink:label="label1158" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AccountsReceivableAndLoansTextualsAbstract_en-US">Accounts Receivable and Loans Textuals [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1158" xlink:to="label1158" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTextualsAbstract" xlink:label="element1159" />
        <label xlink:type="resource" xlink:label="label1159" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_AccountsReceivableAndLoansTextualsAbstract_en-US">Accounts Receivable and Loans.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1159" xlink:to="label1159" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTextualsAbstract" xlink:label="element1160" />
        <label xlink:type="resource" xlink:label="label1160" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_AccountsReceivableAndLoansTextualsAbstract_en-US">Accounts Receivable and Loans Textuals [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1160" xlink:to="label1160" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesForLossesCardmemberReceivablesAndLoansDisclosureAbstract" xlink:label="element1161" />
        <label xlink:type="resource" xlink:label="label1161" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_axp_ReservesForLossesCardmemberReceivablesAndLoansDisclosureAbstract_en-US">Reserves for Losses [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1161" xlink:to="label1161" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesForLossesCardmemberReceivablesAndLoansDisclosureAbstract" xlink:label="element1162" />
        <label xlink:type="resource" xlink:label="label1162" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_ReservesForLossesCardmemberReceivablesAndLoansDisclosureAbstract_en-US">Reserves For Losses Cardmember Receivables And Loans Disclosure.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1162" xlink:to="label1162" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesForLossesCardmemberReceivablesAndLoansDisclosureAbstract" xlink:label="element1163" />
        <label xlink:type="resource" xlink:label="label1163" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_ReservesForLossesCardmemberReceivablesAndLoansDisclosureAbstract_en-US">Reserves For Losses Card Member Receivables And Loans Disclosure [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1163" xlink:to="label1163" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReportableOperatingSegmentsAndGeographicOperationsDetailsAbstract" xlink:label="element1164" />
        <label xlink:type="resource" xlink:label="label1164" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_ReportableOperatingSegmentsAndGeographicOperationsDetailsAbstract_en-US">Reportable Operating Segments And Geographic Operations (Details) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1164" xlink:to="label1164" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReportableOperatingSegmentsAndGeographicOperationsDetailsAbstract" xlink:label="element1165" />
        <label xlink:type="resource" xlink:label="label1165" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_ReportableOperatingSegmentsAndGeographicOperationsDetailsAbstract_en-US">Reportable operating segments and geographic operations.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1165" xlink:to="label1165" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansReservesRollforwardTextBlock" xlink:label="element1166" />
        <label xlink:type="resource" xlink:label="label1166" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CardmemberLoansReservesRollforwardTextBlock_en-US">Cardmember Loans Reserves Rollforward [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1166" xlink:to="label1166" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansReservesRollforwardTextBlock" xlink:label="element1167" />
        <label xlink:type="resource" xlink:label="label1167" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_CardmemberLoansReservesRollforwardTextBlock_en-US">Changes in the Card Member loans reserve for losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1167" xlink:to="label1167" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansReservesRollforwardTextBlock" xlink:label="element1168" />
        <label xlink:type="resource" xlink:label="label1168" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CardmemberLoansReservesRollforwardTextBlock_en-US">Tabular disclosure of changes in the cardmember loans reserve for losses for the period.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1168" xlink:to="label1168" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableSegmentAbstract" xlink:label="element1169" />
        <label xlink:type="resource" xlink:label="label1169" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AccountsReceivableSegmentAbstract_en-US">Accounts Receivable Segment [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1169" xlink:to="label1169" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableSegmentAbstract" xlink:label="element1170" />
        <label xlink:type="resource" xlink:label="label1170" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_AccountsReceivableSegmentAbstract_en-US">Accounts receivable segment information</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1170" xlink:to="label1170" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableSegmentAbstract" xlink:label="element1171" />
        <label xlink:type="resource" xlink:label="label1171" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_AccountsReceivableSegmentAbstract_en-US">Accounts Receivable Segment.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1171" xlink:to="label1171" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AmericanExpressTravelRelatedServicesCompanyIncMember" xlink:label="element1172" />
        <label xlink:type="resource" xlink:label="label1172" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AmericanExpressTravelRelatedServicesCompanyIncMember_en-US">American Express Travel Related Services Company Inc [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1172" xlink:to="label1172" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AmericanExpressTravelRelatedServicesCompanyIncMember" xlink:label="element1173" />
        <label xlink:type="resource" xlink:label="label1173" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_AmericanExpressTravelRelatedServicesCompanyIncMember_en-US">This category includes information about American Express Travel Related Services Company, Inc., a subsidiary of the Company.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1173" xlink:to="label1173" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AmericanExpressChargeTrustMember" xlink:label="element1174" />
        <label xlink:type="resource" xlink:label="label1174" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AmericanExpressChargeTrustMember_en-US">American Express Charge Trust [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1174" xlink:to="label1174" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AmericanExpressChargeTrustMember" xlink:label="element1175" />
        <label xlink:type="resource" xlink:label="label1175" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_AmericanExpressChargeTrustMember_en-US">This category includes information about the American Express Company Charge Trust, a variable interest entity of the Company.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1175" xlink:to="label1175" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AmericanExpressLendingTrustMember" xlink:label="element1176" />
        <label xlink:type="resource" xlink:label="label1176" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AmericanExpressLendingTrustMember_en-US">American Express Lending Trust [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1176" xlink:to="label1176" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AmericanExpressLendingTrustMember" xlink:label="element1177" />
        <label xlink:type="resource" xlink:label="label1177" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_AmericanExpressLendingTrustMember_en-US">This category includes information about the American Express Company Lending Trust, a variable interest entity of the Company.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1177" xlink:to="label1177" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ThirdPartyCertificatesOfDeposit" xlink:label="element1178" />
        <label xlink:type="resource" xlink:label="label1178" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_ThirdPartyCertificatesOfDeposit_en-US">Third party certificates of deposit</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1178" xlink:to="label1178" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ThirdPartyCertificatesOfDeposit" xlink:label="element1179" />
        <label xlink:type="resource" xlink:label="label1179" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_ThirdPartyCertificatesOfDeposit_en-US">Certificates of deposit - Third party</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1179" xlink:to="label1179" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ThirdPartyCertificatesOfDeposit" xlink:label="element1180" />
        <label xlink:type="resource" xlink:label="label1180" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_ThirdPartyCertificatesOfDeposit_en-US">Represents third party certificate of deposit accounts offered by the Company's Banks.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1180" xlink:to="label1180" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ThirdPartySweepAccounts" xlink:label="element1181" />
        <label xlink:type="resource" xlink:label="label1181" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_ThirdPartySweepAccounts_en-US">Third party sweep accounts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1181" xlink:to="label1181" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ThirdPartySweepAccounts" xlink:label="element1182" />
        <label xlink:type="resource" xlink:label="label1182" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_ThirdPartySweepAccounts_en-US">Sweep accounts - Third party</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1182" xlink:to="label1182" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ThirdPartySweepAccounts" xlink:label="element1183" />
        <label xlink:type="resource" xlink:label="label1183" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_ThirdPartySweepAccounts_en-US">Represents third party sweep accounts offered by the Company's Banks.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1183" xlink:to="label1183" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SubordinatedSecuritiesOwned" xlink:label="element1184" />
        <label xlink:type="resource" xlink:label="label1184" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_SubordinatedSecuritiesOwned_en-US">Subordinated securities owned</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1184" xlink:to="label1184" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SubordinatedSecuritiesOwned" xlink:label="element1185" />
        <label xlink:type="resource" xlink:label="label1185" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_SubordinatedSecuritiesOwned_en-US">Represents subordinated interests in the securitized cardmember loans, including rated and unrated investments in tranches of the securitization (subordinated securities).</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1185" xlink:to="label1185" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SubordinatedSecuritiesOwned" xlink:label="element1186" />
        <label xlink:type="resource" xlink:label="label1186" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_SubordinatedSecuritiesOwned_en-US">Subordinated securities owned</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1186" xlink:to="label1186" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GrossLoansAvailableToSettleObligationsOfConsolidatedVariableInterestEntity" xlink:label="element1187" />
        <label xlink:type="resource" xlink:label="label1187" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_GrossLoansAvailableToSettleObligationsOfConsolidatedVariableInterestEntity_en-US">Gross Loans Available To Settle Obligations Of Consolidated Variable Interest Entity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1187" xlink:to="label1187" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GrossLoansAvailableToSettleObligationsOfConsolidatedVariableInterestEntity" xlink:label="element1188" />
        <label xlink:type="resource" xlink:label="label1188" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_GrossLoansAvailableToSettleObligationsOfConsolidatedVariableInterestEntity_en-US">Gross Card Member loans available to settle the obligations of a variable interest entity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1188" xlink:to="label1188" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GrossLoansAvailableToSettleObligationsOfConsolidatedVariableInterestEntity" xlink:label="element1189" />
        <label xlink:type="resource" xlink:label="label1189" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_GrossLoansAvailableToSettleObligationsOfConsolidatedVariableInterestEntity_en-US">Represents the amount of gross loans available to settle the obligations of a consolidated variable interest entity.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1189" xlink:to="label1189" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GrossLoansAvailableToSettleObligationsOfConsolidatedVariableInterestEntity" xlink:label="element1190" />
        <label xlink:type="resource" xlink:label="label1190" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_axp_GrossLoansAvailableToSettleObligationsOfConsolidatedVariableInterestEntity_en-US">Cardmember loans, gross loans of a consolidated variable interest entity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1190" xlink:to="label1190" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GrossReceivablesAvailableToSettleObligationsOfConsolidatedVariableInterestEntity" xlink:label="element1191" />
        <label xlink:type="resource" xlink:label="label1191" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_GrossReceivablesAvailableToSettleObligationsOfConsolidatedVariableInterestEntity_en-US">Gross Receivables Available To Settle Obligations Of Consolidated Variable Interest Entity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1191" xlink:to="label1191" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GrossReceivablesAvailableToSettleObligationsOfConsolidatedVariableInterestEntity" xlink:label="element1192" />
        <label xlink:type="resource" xlink:label="label1192" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_GrossReceivablesAvailableToSettleObligationsOfConsolidatedVariableInterestEntity_en-US">Gross Card Member receivables available to settle the obligations of a variable interest entity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1192" xlink:to="label1192" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GrossReceivablesAvailableToSettleObligationsOfConsolidatedVariableInterestEntity" xlink:label="element1193" />
        <label xlink:type="resource" xlink:label="label1193" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_GrossReceivablesAvailableToSettleObligationsOfConsolidatedVariableInterestEntity_en-US">Represents the amount of gross receivables available to settle the obligations of a consolidated variable interest entity.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1193" xlink:to="label1193" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GrossReceivablesAvailableToSettleObligationsOfConsolidatedVariableInterestEntity" xlink:label="element1194" />
        <label xlink:type="resource" xlink:label="label1194" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_axp_GrossReceivablesAvailableToSettleObligationsOfConsolidatedVariableInterestEntity_en-US">Cardmember receivables</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1194" xlink:to="label1194" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SecuritizedTrustsTable" xlink:label="element1195" />
        <label xlink:type="resource" xlink:label="label1195" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_SecuritizedTrustsTable_en-US">Securitized Trusts [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1195" xlink:to="label1195" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SecuritizedTrustsTable" xlink:label="element1196" />
        <label xlink:type="resource" xlink:label="label1196" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_SecuritizedTrustsTable_en-US">SecuritizedTrustsTable</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1196" xlink:to="label1196" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SecuritizedTrustsLineItems" xlink:label="element1197" />
        <label xlink:type="resource" xlink:label="label1197" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_SecuritizedTrustsLineItems_en-US">Securitized Trusts [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1197" xlink:to="label1197" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SecuritizedTrustsLineItems" xlink:label="element1198" />
        <label xlink:type="resource" xlink:label="label1198" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_SecuritizedTrustsLineItems_en-US">SecuritizedTrustsLineItems</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1198" xlink:to="label1198" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CertificateOfDepositsByLocationTable" xlink:label="element1199" />
        <label xlink:type="resource" xlink:label="label1199" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CertificateOfDepositsByLocationTable_en-US">Certificate Of Deposits By Location [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1199" xlink:to="label1199" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CertificateOfDepositsByLocationTable" xlink:label="element1200" />
        <label xlink:type="resource" xlink:label="label1200" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CertificateOfDepositsByLocationTable_en-US">Certificate Of Deposits By Location [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1200" xlink:to="label1200" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CertificateOfDepositsByLocationLineItems" xlink:label="element1201" />
        <label xlink:type="resource" xlink:label="label1201" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CertificateOfDepositsByLocationLineItems_en-US">Certificate Of Deposits By Location [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1201" xlink:to="label1201" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CertificateOfDepositsByLocationLineItems" xlink:label="element1202" />
        <label xlink:type="resource" xlink:label="label1202" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CertificateOfDepositsByLocationLineItems_en-US">Certificate Of Deposits By Location [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1202" xlink:to="label1202" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansEvaluatedSeparatelyForImpairment" xlink:label="element1203" />
        <label xlink:type="resource" xlink:label="label1203" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CardmemberLoansEvaluatedSeparatelyForImpairment_en-US">Cardmember Loans Evaluated Separately For Impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1203" xlink:to="label1203" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansEvaluatedSeparatelyForImpairment" xlink:label="element1204" />
        <label xlink:type="resource" xlink:label="label1204" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_CardmemberLoansEvaluatedSeparatelyForImpairment_en-US">Card Member loans evaluated individually for impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1204" xlink:to="label1204" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansEvaluatedSeparatelyForImpairment" xlink:label="element1205" />
        <label xlink:type="resource" xlink:label="label1205" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CardmemberLoansEvaluatedSeparatelyForImpairment_en-US">Represents cardmember loans that are evaluated separately for impairment.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1205" xlink:to="label1205" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesOnCardmemberLoansEvaluatedSeparatelyForImpairment" xlink:label="element1206" />
        <label xlink:type="resource" xlink:label="label1206" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_ReservesOnCardmemberLoansEvaluatedSeparatelyForImpairment_en-US">Reserves On Cardmember Loans Evaluated Separately For Impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1206" xlink:to="label1206" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesOnCardmemberLoansEvaluatedSeparatelyForImpairment" xlink:label="element1207" />
        <label xlink:type="resource" xlink:label="label1207" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_ReservesOnCardmemberLoansEvaluatedSeparatelyForImpairment_en-US">Reserves on Card Member loans evaluated individually for impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1207" xlink:to="label1207" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesOnCardmemberLoansEvaluatedSeparatelyForImpairment" xlink:label="element1208" />
        <label xlink:type="resource" xlink:label="label1208" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_ReservesOnCardmemberLoansEvaluatedSeparatelyForImpairment_en-US">Represents reserves on cardmember loans that are evaluated separately for impairment.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1208" xlink:to="label1208" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:label="element1209" />
        <label xlink:type="resource" xlink:label="label1209" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_en-US">Accumulated Other Comprehensive Income Loss Available For Sale Securities Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1209" xlink:to="label1209" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:label="element1210" />
        <label xlink:type="resource" xlink:label="label1210" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_en-US">Net unrealized securities gains, tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1210" xlink:to="label1210" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:label="element1211" />
        <label xlink:type="resource" xlink:label="label1211" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_en-US">Tax effect on the gross appreciation or the gross loss, net of reclassification adjustment, in the value of available for sale securities.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1211" xlink:to="label1211" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax" xlink:label="element1212" />
        <label xlink:type="resource" xlink:label="label1212" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax_en-US">Accumulated Other Comprehensive Income Loss Foreign Currency Translation Adjustment Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1212" xlink:to="label1212" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax" xlink:label="element1213" />
        <label xlink:type="resource" xlink:label="label1213" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax_en-US">Foreign currency translation adjustments, tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1213" xlink:to="label1213" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax" xlink:label="element1214" />
        <label xlink:type="resource" xlink:label="label1214" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax_en-US">Tax effect on the accumulated adjustment that results from the process of translating subsidiary financial statements and foreign equity investments into functional currency of the reporting entity.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1214" xlink:to="label1214" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansTax" xlink:label="element1215" />
        <label xlink:type="resource" xlink:label="label1215" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansTax_en-US">Accumulated Other Comprehensive Income Loss Defined Benefit Plans Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1215" xlink:to="label1215" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansTax" xlink:label="element1216" />
        <label xlink:type="resource" xlink:label="label1216" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansTax_en-US">Net unrealized pension and other postretirement benefit losses, tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1216" xlink:to="label1216" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansTax" xlink:label="element1217" />
        <label xlink:type="resource" xlink:label="label1217" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansTax_en-US">Tax effects on the accumulated comprehensive income (loss) related to benefit plans.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1217" xlink:to="label1217" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansTax" xlink:label="element1218" />
        <label xlink:type="resource" xlink:label="label1218" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_axp_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansTax_en-US">Tax impact</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1218" xlink:to="label1218" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleEquity" xlink:label="element1219" />
        <label xlink:type="resource" xlink:label="label1219" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleEquity_en-US">Significant Change In Unrecognized Tax Benefits Is Reasonably Possible Equity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1219" xlink:to="label1219" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleEquity" xlink:label="element1220" />
        <label xlink:type="resource" xlink:label="label1220" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleEquity_en-US">Unrecognized tax benefits, amounts recorded to equity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1220" xlink:to="label1220" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleEquity" xlink:label="element1221" />
        <label xlink:type="resource" xlink:label="label1221" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleEquity_en-US">Unrecognized tax benefits relating to amounts recorded to equity that, if recognized, would not impact the effective rate.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1221" xlink:to="label1221" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansEvaluatedCollectivelyForImpairment" xlink:label="element1222" />
        <label xlink:type="resource" xlink:label="label1222" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CardmemberLoansEvaluatedCollectivelyForImpairment_en-US">Cardmember loans evaluated collectively for impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1222" xlink:to="label1222" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansEvaluatedCollectivelyForImpairment" xlink:label="element1223" />
        <label xlink:type="resource" xlink:label="label1223" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CardmemberLoansEvaluatedCollectivelyForImpairment_en-US">Represents cardmember loans evaluated collectively for impairment.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1223" xlink:to="label1223" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansEvaluatedCollectivelyForImpairment" xlink:label="element1224" />
        <label xlink:type="resource" xlink:label="label1224" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_CardmemberLoansEvaluatedCollectivelyForImpairment_en-US">Card Member loans evaluated collectively for impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1224" xlink:to="label1224" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesOnCardmemberLoansEvaluatedCollectivelyForImpairment" xlink:label="element1225" />
        <label xlink:type="resource" xlink:label="label1225" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_ReservesOnCardmemberLoansEvaluatedCollectivelyForImpairment_en-US">Reserves On Cardmember Loans Evaluated Collectively For Impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1225" xlink:to="label1225" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesOnCardmemberLoansEvaluatedCollectivelyForImpairment" xlink:label="element1226" />
        <label xlink:type="resource" xlink:label="label1226" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_ReservesOnCardmemberLoansEvaluatedCollectivelyForImpairment_en-US">Reserves on Card Member loans evaluated collectively for impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1226" xlink:to="label1226" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesOnCardmemberLoansEvaluatedCollectivelyForImpairment" xlink:label="element1227" />
        <label xlink:type="resource" xlink:label="label1227" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_ReservesOnCardmemberLoansEvaluatedCollectivelyForImpairment_en-US">Represents reserves on cardmember loans evaluated collectively for impairment.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1227" xlink:to="label1227" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValuePolicyAbstract" xlink:label="element1228" />
        <label xlink:type="resource" xlink:label="label1228" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_FairValuePolicyAbstract_en-US">Fair Value Policy [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1228" xlink:to="label1228" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValuePolicyAbstract" xlink:label="element1229" />
        <label xlink:type="resource" xlink:label="label1229" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_FairValuePolicyAbstract_en-US">Fair Value [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1229" xlink:to="label1229" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansPolicyAbstract" xlink:label="element1230" />
        <label xlink:type="resource" xlink:label="label1230" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AccountsReceivableAndLoansPolicyAbstract_en-US">Accounts Receivable And Loans Policy [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1230" xlink:to="label1230" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansPolicyAbstract" xlink:label="element1231" />
        <label xlink:type="resource" xlink:label="label1231" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_AccountsReceivableAndLoansPolicyAbstract_en-US">Accounts Receivable And Loans and Reserves For Card Member Losses [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1231" xlink:to="label1231" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentsPolicyAbstract" xlink:label="element1232" />
        <label xlink:type="resource" xlink:label="label1232" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_InvestmentsPolicyAbstract_en-US">Investments Policy [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1232" xlink:to="label1232" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentsPolicyAbstract" xlink:label="element1233" />
        <label xlink:type="resource" xlink:label="label1233" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_InvestmentsPolicyAbstract_en-US">Investments [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1233" xlink:to="label1233" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetSecuritizationPolicyAbstract" xlink:label="element1234" />
        <label xlink:type="resource" xlink:label="label1234" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AssetSecuritizationPolicyAbstract_en-US">Asset Securitization Policy [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1234" xlink:to="label1234" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetSecuritizationPolicyAbstract" xlink:label="element1235" />
        <label xlink:type="resource" xlink:label="label1235" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_AssetSecuritizationPolicyAbstract_en-US">Asset Securitization [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1235" xlink:to="label1235" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesPolicyAbstract" xlink:label="element1236" />
        <label xlink:type="resource" xlink:label="label1236" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_DerivativesAndHedgingActivitiesPolicyAbstract_en-US">Derivatives And Hedging Activities Policy [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1236" xlink:to="label1236" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesPolicyAbstract" xlink:label="element1237" />
        <label xlink:type="resource" xlink:label="label1237" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_DerivativesAndHedgingActivitiesPolicyAbstract_en-US">Derivatives And Hedging Activities [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1237" xlink:to="label1237" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther" xlink:label="element1238" />
        <label xlink:type="resource" xlink:label="label1238" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther_en-US">Provisions For Losses Deductions Charge Card Net Write Offs Other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1238" xlink:to="label1238" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther" xlink:label="element1239" />
        <label xlink:type="resource" xlink:label="label1239" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther_en-US">Card Member receivables reserves for losses - other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1239" xlink:to="label1239" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther" xlink:label="element1240" />
        <label xlink:type="resource" xlink:label="label1240" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther_en-US">Card Member receivables - other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1240" xlink:to="label1240" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther" xlink:label="element1241" />
        <label xlink:type="resource" xlink:label="label1241" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther_en-US">Represents adjustments to cardmember receivables resulting from unauthorized transactions and foreign currency translation adjustments for the period.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1241" xlink:to="label1241" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsPrincipal" xlink:label="element1242" />
        <label xlink:type="resource" xlink:label="label1242" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsPrincipal_en-US">Provisions For Loans And Lease Losses Deductions Net Write Offs Principal</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1242" xlink:to="label1242" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsPrincipal" xlink:label="element1243" />
        <label xlink:type="resource" xlink:label="label1243" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsPrincipal_en-US">Cardmember loans net write-offs - principal</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1243" xlink:to="label1243" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsPrincipal" xlink:label="element1244" />
        <label xlink:type="resource" xlink:label="label1244" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsPrincipal_en-US">Card Member loans net write-offs - principal</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1244" xlink:to="label1244" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsPrincipal" xlink:label="element1245" />
        <label xlink:type="resource" xlink:label="label1245" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsPrincipal_en-US">Reflects the principal amount of loans that have been removed, or charged off, from both loan receivables and the reserve for credit losses, net of recoveries, typically because they are considered to be not salvageable or have been purchased by unconsolidated collection entities for the period.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1245" xlink:to="label1245" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsInterestAndFees" xlink:label="element1246" />
        <label xlink:type="resource" xlink:label="label1246" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsInterestAndFees_en-US">Provisions For Loans And Lease Losses Deductions Net Write Offs Interest And Fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1246" xlink:to="label1246" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsInterestAndFees" xlink:label="element1247" />
        <label xlink:type="resource" xlink:label="label1247" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsInterestAndFees_en-US">Cardmember loans net write-offs - interest and fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1247" xlink:to="label1247" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsInterestAndFees" xlink:label="element1248" />
        <label xlink:type="resource" xlink:label="label1248" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsInterestAndFees_en-US">Card Member loans net write-offs - interest and fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1248" xlink:to="label1248" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsInterestAndFees" xlink:label="element1249" />
        <label xlink:type="resource" xlink:label="label1249" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsInterestAndFees_en-US">Reflects the interest and fees amount of loans that have been removed, or charged off, from both loan receivables and the reserve for credit losses, typically because they are considered to be not salvageable or have been purchased by unconsolidated collection entities for the period.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1249" xlink:to="label1249" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther" xlink:label="element1250" />
        <label xlink:type="resource" xlink:label="label1250" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther_en-US">Provisions For Loans And Lease Losses Deductions Net Write Offs Other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1250" xlink:to="label1250" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther" xlink:label="element1251" />
        <label xlink:type="resource" xlink:label="label1251" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther_en-US">Card Member loans reserves for losses - other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1251" xlink:to="label1251" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther" xlink:label="element1252" />
        <label xlink:type="resource" xlink:label="label1252" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther_en-US">Card Member loans - other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1252" xlink:to="label1252" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther" xlink:label="element1253" />
        <label xlink:type="resource" xlink:label="label1253" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther_en-US">Represents adjustments to cardmember loans reserve including foreign currency translation adjustments and net write-offs related to unauthorized transactions for the period.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1253" xlink:to="label1253" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther" xlink:label="element1254" />
        <label xlink:type="resource" xlink:label="label1254" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther_en-US">Card Member loans reserves for losses - other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1254" xlink:to="label1254" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostAxis" xlink:label="element1255" />
        <label xlink:type="resource" xlink:label="label1255" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_RatioOfFairValueToAmortizedCostAxis_en-US">Ratio Of Fair Value To Amortized Cost [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1255" xlink:to="label1255" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostAxis" xlink:label="element1256" />
        <label xlink:type="resource" xlink:label="label1256" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_RatioOfFairValueToAmortizedCostAxis_en-US">Available for Sale Securities Ratio of Fair Value to Amortized Cost Axis</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1256" xlink:to="label1256" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostDomain" xlink:label="element1257" />
        <label xlink:type="resource" xlink:label="label1257" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_RatioOfFairValueToAmortizedCostDomain_en-US">Ratio Of Fair Value To Amortized Cost [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1257" xlink:to="label1257" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostDomain" xlink:label="element1258" />
        <label xlink:type="resource" xlink:label="label1258" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_RatioOfFairValueToAmortizedCostDomain_en-US">Ratio of fair value to amortized cost domain</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1258" xlink:to="label1258" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" xlink:label="element1259" />
        <label xlink:type="resource" xlink:label="label1259" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember_en-US">Ratio Of Fair Value To Amortized Cost Between Ninety And One Hundred Percent [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1259" xlink:to="label1259" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" xlink:label="element1260" />
        <label xlink:type="resource" xlink:label="label1260" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember_en-US">Ratio Of Fair Value To Amortized Cost Between Ninety And One Hundred Percent</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1260" xlink:to="label1260" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember" xlink:label="element1261" />
        <label xlink:type="resource" xlink:label="label1261" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember_en-US">Ratio Of Fair Value To Amortized Cost Less Than Ninety Percent [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1261" xlink:to="label1261" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember" xlink:label="element1262" />
        <label xlink:type="resource" xlink:label="label1262" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember_en-US">Ratio Of Fair Value To Amortized Cost Less Than Ninety Percent</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1262" xlink:to="label1262" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock" xlink:label="element1263" />
        <label xlink:type="resource" xlink:label="label1263" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock_en-US">Cardmember Receivables And Related Reserves Evaluated Separately And Collectively For Impairment [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1263" xlink:to="label1263" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock" xlink:label="element1264" />
        <label xlink:type="resource" xlink:label="label1264" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock_en-US">Card Member receivables and related reserves evaluated separately and collectively for impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1264" xlink:to="label1264" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock" xlink:label="element1265" />
        <label xlink:type="resource" xlink:label="label1265" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock_en-US">Tabular disclosure of cardmember receivables that are evaluated separately and collectively for impairment and the related reserves.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1265" xlink:to="label1265" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock" xlink:label="element1266" />
        <label xlink:type="resource" xlink:label="label1266" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock_en-US">Cardmember Loans And Related Reserves Evaluated Separately And Collectively For Impairment [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1266" xlink:to="label1266" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock" xlink:label="element1267" />
        <label xlink:type="resource" xlink:label="label1267" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock_en-US">Card Member loans and related reserves evaluated separately and collectively for impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1267" xlink:to="label1267" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock" xlink:label="element1268" />
        <label xlink:type="resource" xlink:label="label1268" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock_en-US">Tabular disclosure of cardmember loans that are evaluated separately and collectively for impairment and the related reserves.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1268" xlink:to="label1268" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract" xlink:label="element1269" />
        <label xlink:type="resource" xlink:label="label1269" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract_en-US">Card Member Receivables And Related Reserves Evaluated Separately and Collectively For Impairment [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1269" xlink:to="label1269" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract" xlink:label="element1270" />
        <label xlink:type="resource" xlink:label="label1270" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract_en-US">Card Member Loans And Related Reserves Evaluated Separately And Collectively For Impairment [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1270" xlink:to="label1270" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccumulatedOtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesTax" xlink:label="element1271" />
        <label xlink:type="resource" xlink:label="label1271" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AccumulatedOtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesTax_en-US">Accumulated Other Comprehensive Income Loss Derivatives Qualifying As Hedges Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1271" xlink:to="label1271" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccumulatedOtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesTax" xlink:label="element1272" />
        <label xlink:type="resource" xlink:label="label1272" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_AccumulatedOtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesTax_en-US">Net unrealized derivatives losses, tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1272" xlink:to="label1272" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccumulatedOtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesTax" xlink:label="element1273" />
        <label xlink:type="resource" xlink:label="label1273" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_AccumulatedOtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesTax_en-US">Total tax effect on the accumulated gains and losses from derivative instruments designated and qualifying as the effective portion of cash flow hedges.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1273" xlink:to="label1273" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsPrincipalAndFees" xlink:label="element1274" />
        <label xlink:type="resource" xlink:label="label1274" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsPrincipalAndFees_en-US">Provisions For Losses Deductions Charge Card Net Write Offs Principal And Fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1274" xlink:to="label1274" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsPrincipalAndFees" xlink:label="element1275" />
        <label xlink:type="resource" xlink:label="label1275" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsPrincipalAndFees_en-US">Cardmember receivables net write-offs</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1275" xlink:to="label1275" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsPrincipalAndFees" xlink:label="element1276" />
        <label xlink:type="resource" xlink:label="label1276" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsPrincipalAndFees_en-US">Card Member receivables - net write-offs</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1276" xlink:to="label1276" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsPrincipalAndFees" xlink:label="element1277" />
        <label xlink:type="resource" xlink:label="label1277" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsPrincipalAndFees_en-US">Represents net write-offs consisting of principal (resulting from authorized transactions) and fee components, less recoveries, for the period.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1277" xlink:to="label1277" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleQuantifyImpactNotPossible" xlink:label="element1278" />
        <label xlink:type="resource" xlink:label="label1278" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleQuantifyImpactNotPossible_en-US">Significant Change In Unrecognized Tax Benefits Is Reasonably Possible Quantify Impact Not Possible</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1278" xlink:to="label1278" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleQuantifyImpactNotPossible" xlink:label="element1279" />
        <label xlink:type="resource" xlink:label="label1279" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleQuantifyImpactNotPossible_en-US">Unrecognized tax benefits impact not possible to quantify</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1279" xlink:to="label1279" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleQuantifyImpactNotPossible" xlink:label="element1280" />
        <label xlink:type="resource" xlink:label="label1280" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleQuantifyImpactNotPossible_en-US">Represents the remaining decrease or increase in unrecognized tax benefits within the next 12 months for which it is not possible to quantify the impact of the increase or decrease on the effective tax rate and net income.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1280" xlink:to="label1280" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_UnitedStatesMember" xlink:label="element1281" />
        <label xlink:type="resource" xlink:label="label1281" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_UnitedStatesMember_en-US">United States [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1281" xlink:to="label1281" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_UnitedStatesMember" xlink:label="element1282" />
        <label xlink:type="resource" xlink:label="label1282" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_UnitedStatesMember_en-US">This category includes information about U.S. entities.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1282" xlink:to="label1282" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NonUnitedStatesMember" xlink:label="element1283" />
        <label xlink:type="resource" xlink:label="label1283" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_NonUnitedStatesMember_en-US">Non United States [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1283" xlink:to="label1283" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NonUnitedStatesMember" xlink:label="element1284" />
        <label xlink:type="resource" xlink:label="label1284" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_NonUnitedStatesMember_en-US">This category includes information about Non-U.S. time entities.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1284" xlink:to="label1284" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansMember" xlink:label="element1285" />
        <label xlink:type="resource" xlink:label="label1285" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CardmemberLoansMember_en-US">Card Member Loans [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1285" xlink:to="label1285" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansMember" xlink:label="element1286" />
        <label xlink:type="resource" xlink:label="label1286" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CardmemberLoansMember_en-US">Reflects the aggregate carrying amount of cardmember loans held in portfolio.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1286" xlink:to="label1286" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberReceivablesMember" xlink:label="element1287" />
        <label xlink:type="resource" xlink:label="label1287" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CardmemberReceivablesMember_en-US">Card Member Receivables [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1287" xlink:to="label1287" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberReceivablesMember" xlink:label="element1288" />
        <label xlink:type="resource" xlink:label="label1288" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CardmemberReceivablesMember_en-US">Represents cardmember receivables that are the amount due from customers or clients for goods or services that have been delivered or sold in the normal course of business</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1288" xlink:to="label1288" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance" xlink:label="element1289" />
        <label xlink:type="resource" xlink:label="label1289" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance_en-US">Loans And Leases Receivable Impaired Unpaid Principal Balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1289" xlink:to="label1289" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance" xlink:label="element1290" />
        <label xlink:type="resource" xlink:label="label1290" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance_en-US">Unpaid principal balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1290" xlink:to="label1290" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance" xlink:label="element1291" />
        <label xlink:type="resource" xlink:label="label1291" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance_en-US">The unpaid principal balance related to impaired financing receivables.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1291" xlink:to="label1291" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NinetyDaysPastBillingAsPercentageOfReceivables" xlink:label="element1292" />
        <label xlink:type="resource" xlink:label="label1292" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_NinetyDaysPastBillingAsPercentageOfReceivables_en-US">Ninety Days Past Billing As Percentage Of Receivables</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1292" xlink:to="label1292" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NinetyDaysPastBillingAsPercentageOfReceivables" xlink:label="element1293" />
        <label xlink:type="resource" xlink:label="label1293" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_NinetyDaysPastBillingAsPercentageOfReceivables_en-US">Represents metric calculated as cardmember receivables that are 90 days past billing expressed as a percentage of total cardmember receivables.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1293" xlink:to="label1293" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NinetyDaysPastBillingAsPercentageOfReceivables" xlink:label="element1294" />
        <label xlink:type="resource" xlink:label="label1294" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_NinetyDaysPastBillingAsPercentageOfReceivables_en-US">90 days past billing as a percentage of receivables</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1294" xlink:to="label1294" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountOverNinetyDaysAccrualOfInterest" xlink:label="element1295" />
        <label xlink:type="resource" xlink:label="label1295" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountOverNinetyDaysAccrualOfInterest_en-US">Loans And Receivables Impaired Troubled Debt Restructuring Amount Over Ninety Days Accrual Of Interest</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1295" xlink:to="label1295" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountOverNinetyDaysAccrualOfInterest" xlink:label="element1296" />
        <label xlink:type="resource" xlink:label="label1296" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountOverNinetyDaysAccrualOfInterest_en-US">Recorded investment in financing receivables that have been modified in a Troubled Debt Restructuring and are 90 days or more past due and still accruing interest.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1296" xlink:to="label1296" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountOverNinetyDaysAccrualOfInterest" xlink:label="element1297" />
        <label xlink:type="resource" xlink:label="label1297" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountOverNinetyDaysAccrualOfInterest_en-US">Total loans and receivables modified as a TDR, past due 90 days and still accruing</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1297" xlink:to="label1297" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DeferredTaxesAndOther" xlink:label="element1298" />
        <label xlink:type="resource" xlink:label="label1298" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_DeferredTaxesAndOther_en-US">Deferred Taxes And Other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1298" xlink:to="label1298" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DeferredTaxesAndOther" xlink:label="element1299" />
        <label xlink:type="resource" xlink:label="label1299" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_DeferredTaxesAndOther_en-US">Deferred taxes and other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1299" xlink:to="label1299" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DeferredTaxesAndOther" xlink:label="element1300" />
        <label xlink:type="resource" xlink:label="label1300" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_DeferredTaxesAndOther_en-US">Includes the change in deferred tax assets and liabilities pertaining to continuing operations, mark to market adjustments on the Company's long-term debt due to fair value hedges, amortization of premium/discount on the available for sale securities; and other.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1300" xlink:to="label1300" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetSecuritizationsAbstract" xlink:label="element1301" />
        <label xlink:type="resource" xlink:label="label1301" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AssetSecuritizationsAbstract_en-US">Asset Securitizations [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1301" xlink:to="label1301" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CurrentAndPastDueFinancingReceivablesTableTextBlock" xlink:label="element1302" />
        <label xlink:type="resource" xlink:label="label1302" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CurrentAndPastDueFinancingReceivablesTableTextBlock_en-US">Current And Past Due Financing Receivables Table [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1302" xlink:to="label1302" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CurrentAndPastDueFinancingReceivablesTableTextBlock" xlink:label="element1303" />
        <label xlink:type="resource" xlink:label="label1303" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CurrentAndPastDueFinancingReceivablesTableTextBlock_en-US">Tabular disclosure of financing receivables that are current and past due.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1303" xlink:to="label1303" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CurrentAndPastDueFinancingReceivablesTableTextBlock" xlink:label="element1304" />
        <label xlink:type="resource" xlink:label="label1304" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_CurrentAndPastDueFinancingReceivablesTableTextBlock_en-US">Aging of Card Member loans and receivables</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1304" xlink:to="label1304" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ScheduleOfLoansAndFinancingReceivableTableTextBlock" xlink:label="element1305" />
        <label xlink:type="resource" xlink:label="label1305" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_ScheduleOfLoansAndFinancingReceivableTableTextBlock_en-US">Schedule Of Loans And Financing Receivable Table [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1305" xlink:to="label1305" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ScheduleOfLoansAndFinancingReceivableTableTextBlock" xlink:label="element1306" />
        <label xlink:type="resource" xlink:label="label1306" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_ScheduleOfLoansAndFinancingReceivableTableTextBlock_en-US">Card Member loans segment detail</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1306" xlink:to="label1306" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ScheduleOfLoansAndFinancingReceivableTableTextBlock" xlink:label="element1307" />
        <label xlink:type="resource" xlink:label="label1307" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_ScheduleOfLoansAndFinancingReceivableTableTextBlock_en-US">Reflects the aggregate carrying amount of all categories of cardmember loans held in portfolio, net of reserve for losses, as well as other loans, net.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1307" xlink:to="label1307" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansNet" xlink:label="element1308" />
        <label xlink:type="resource" xlink:label="label1308" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_LoansNet_en-US">Loans Net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1308" xlink:to="label1308" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansNet" xlink:label="element1309" />
        <label xlink:type="resource" xlink:label="label1309" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_LoansNet_en-US">Loans, net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1309" xlink:to="label1309" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansNet" xlink:label="element1310" />
        <label xlink:type="resource" xlink:label="label1310" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_LoansNet_en-US">Represents cardmember and other loans, less reserves.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1310" xlink:to="label1310" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue" xlink:label="element1311" />
        <label xlink:type="resource" xlink:label="label1311" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue_en-US">Financing Receivable Recorded Investment Current And Past Due</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1311" xlink:to="label1311" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue" xlink:label="element1312" />
        <label xlink:type="resource" xlink:label="label1312" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue_en-US">Recorded investment in financing receivables that are current and past due at the balance sheet date.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1312" xlink:to="label1312" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue" xlink:label="element1313" />
        <label xlink:type="resource" xlink:label="label1313" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue_en-US">Total aging</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1313" xlink:to="label1313" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetWriteOffRatePrincipal" xlink:label="element1314" />
        <label xlink:type="resource" xlink:label="label1314" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_NetWriteOffRatePrincipal_en-US">Net Write Off Rate Principal</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1314" xlink:to="label1314" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetWriteOffRatePrincipal" xlink:label="element1315" />
        <label xlink:type="resource" xlink:label="label1315" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_axp_NetWriteOffRatePrincipal_en-US">Net Write-Off Rate</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1315" xlink:to="label1315" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetWriteOffRatePrincipal" xlink:label="element1316" />
        <label xlink:type="resource" xlink:label="label1316" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_NetWriteOffRatePrincipal_en-US">Represents the amount of cardmember loans or cardmember receivables written off consisting of principal (resulting from authorized transactions), less recoveries, as a percentage of the average loan balance or average receivables during the period.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1316" xlink:to="label1316" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetWriteOffRatePrincipal" xlink:label="element1317" />
        <label xlink:type="resource" xlink:label="label1317" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_NetWriteOffRatePrincipal_en-US">Net Write-Off Rate - Principal Only</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1317" xlink:to="label1317" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetWriteOffRatePrincipalInterestFees" xlink:label="element1318" />
        <label xlink:type="resource" xlink:label="label1318" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_NetWriteOffRatePrincipalInterestFees_en-US">Net Write Off Rate Principal Interest Fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1318" xlink:to="label1318" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetWriteOffRatePrincipalInterestFees" xlink:label="element1319" />
        <label xlink:type="resource" xlink:label="label1319" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_NetWriteOffRatePrincipalInterestFees_en-US">Represents the amount of cardmember loans or cardmember receivables written off consisting of principal, interest, and fees (resulting from authorized transactions), less recoveries, as a percentage of the average loan balance or average receivables during the period.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1319" xlink:to="label1319" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetWriteOffRatePrincipalInterestFees" xlink:label="element1320" />
        <label xlink:type="resource" xlink:label="label1320" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_NetWriteOffRatePrincipalInterestFees_en-US">Net Write-Off Rate - Principal, Interest, and Fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1320" xlink:to="label1320" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TroubledDebtRestructuringsOnFinancingReceivablesWithSubsequentDefaultTableTextBlock" xlink:label="element1321" />
        <label xlink:type="resource" xlink:label="label1321" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_TroubledDebtRestructuringsOnFinancingReceivablesWithSubsequentDefaultTableTextBlock_en-US">Troubled Debt Restructurings On Financing Receivables With Subsequent Default Table [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1321" xlink:to="label1321" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TroubledDebtRestructuringsOnFinancingReceivablesWithSubsequentDefaultTableTextBlock" xlink:label="element1322" />
        <label xlink:type="resource" xlink:label="label1322" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_TroubledDebtRestructuringsOnFinancingReceivablesWithSubsequentDefaultTableTextBlock_en-US">Troubled debt restructurings that subsequently defaulted</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1322" xlink:to="label1322" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TroubledDebtRestructuringsOnFinancingReceivablesWithSubsequentDefaultTableTextBlock" xlink:label="element1323" />
        <label xlink:type="resource" xlink:label="label1323" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_TroubledDebtRestructuringsOnFinancingReceivablesWithSubsequentDefaultTableTextBlock_en-US">Tabular disclosure of financing receivables and troubled debt restructurings that subsequently defaulted.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1323" xlink:to="label1323" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AverageInterestRateReductionByClassOfCardmemberLoan" xlink:label="element1324" />
        <label xlink:type="resource" xlink:label="label1324" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AverageInterestRateReductionByClassOfCardmemberLoan_en-US">Average Interest Rate Reduction By Class Of Cardmember Loan</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1324" xlink:to="label1324" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AverageInterestRateReductionByClassOfCardmemberLoan" xlink:label="element1325" />
        <label xlink:type="resource" xlink:label="label1325" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_AverageInterestRateReductionByClassOfCardmemberLoan_en-US">Average basis point reduction in interest rate by class of Card Member loans</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1325" xlink:to="label1325" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AverageInterestRateReductionByClassOfCardmemberLoan" xlink:label="element1326" />
        <label xlink:type="resource" xlink:label="label1326" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_AverageInterestRateReductionByClassOfCardmemberLoan_en-US">The average basis point reduction in interest rate by class of cardmember loan.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1326" xlink:to="label1326" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AveragePaymentTermExtension" xlink:label="element1327" />
        <label xlink:type="resource" xlink:label="label1327" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AveragePaymentTermExtension_en-US">Average Payment Term Extension</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1327" xlink:to="label1327" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AveragePaymentTermExtension" xlink:label="element1328" />
        <label xlink:type="resource" xlink:label="label1328" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_AveragePaymentTermExtension_en-US">Average payment term extension</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1328" xlink:to="label1328" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AveragePaymentTermExtension" xlink:label="element1329" />
        <label xlink:type="resource" xlink:label="label1329" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_AveragePaymentTermExtension_en-US">The average period for payment term extension for cardmember receivables modified in a TDR.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1329" xlink:to="label1329" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancingReceivableRecordedInvestmentsCurrent" xlink:label="element1330" />
        <label xlink:type="resource" xlink:label="label1330" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_FinancingReceivableRecordedInvestmentsCurrent_en-US">Financing Receivable Recorded Investments Current</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1330" xlink:to="label1330" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancingReceivableRecordedInvestmentsCurrent" xlink:label="element1331" />
        <label xlink:type="resource" xlink:label="label1331" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_axp_FinancingReceivableRecordedInvestmentsCurrent_en-US">Current</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1331" xlink:to="label1331" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancingReceivableRecordedInvestmentsCurrent" xlink:label="element1332" />
        <label xlink:type="resource" xlink:label="label1332" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_FinancingReceivableRecordedInvestmentsCurrent_en-US">Financing receivables that are current.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1332" xlink:to="label1332" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract" xlink:label="element1333" />
        <label xlink:type="resource" xlink:label="label1333" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract_en-US">Weighted Average Number of Shares Outstanding, Basic And Diluted [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1333" xlink:to="label1333" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract" xlink:label="element1334" />
        <label xlink:type="resource" xlink:label="label1334" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract_en-US">Average common shares outstanding for earnings per common share:</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1334" xlink:to="label1334" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract" xlink:label="element1335" />
        <label xlink:type="resource" xlink:label="label1335" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract_en-US">Denominator:</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1335" xlink:to="label1335" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TimeDeposits100000OrMoreTextBlock" xlink:label="element1336" />
        <label xlink:type="resource" xlink:label="label1336" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_TimeDeposits100000OrMoreTextBlock_en-US">Time Deposits 100000 Or More [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1336" xlink:to="label1336" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TimeDeposits100000OrMoreTextBlock" xlink:label="element1337" />
        <label xlink:type="resource" xlink:label="label1337" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_TimeDeposits100000OrMoreTextBlock_en-US">Time Deposits $100,000 Or More</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1337" xlink:to="label1337" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TimeDeposits100000OrMoreTextBlock" xlink:label="element1338" />
        <label xlink:type="resource" xlink:label="label1338" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_TimeDeposits100000OrMoreTextBlock_en-US">Represents table summarizing the outstanding amounts of certificates of deposit in denominations of $100,000 or more.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1338" xlink:to="label1338" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CashCollateralNetting" xlink:label="element1339" />
        <label xlink:type="resource" xlink:label="label1339" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CashCollateralNetting_en-US">Cash Collateral Netting</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1339" xlink:to="label1339" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CashCollateralNetting" xlink:label="element1340" />
        <label xlink:type="resource" xlink:label="label1340" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CashCollateralNetting_en-US">Represents the netting of cash collateral received and posted under credit support agreements.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1340" xlink:to="label1340" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CashCollateralNetting" xlink:label="element1341" />
        <label xlink:type="resource" xlink:label="label1341" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_CashCollateralNetting_en-US">Cash collateral netting</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1341" xlink:to="label1341" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndLeasesReceivableSegmentAbstract" xlink:label="element1342" />
        <label xlink:type="resource" xlink:label="label1342" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_LoansAndLeasesReceivableSegmentAbstract_en-US">Loans And Leases Receivable Segment [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1342" xlink:to="label1342" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndLeasesReceivableSegmentAbstract" xlink:label="element1343" />
        <label xlink:type="resource" xlink:label="label1343" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_LoansAndLeasesReceivableSegmentAbstract_en-US">Accounts Receivable and Loans.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1343" xlink:to="label1343" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancingReceivableInterestIncomeAndAverageBalanceTableTextBlock" xlink:label="element1344" />
        <label xlink:type="resource" xlink:label="label1344" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_FinancingReceivableInterestIncomeAndAverageBalanceTableTextBlock_en-US">Financing Receivable Interest Income And Average Balance [Table Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1344" xlink:to="label1344" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancingReceivableInterestIncomeAndAverageBalanceTableTextBlock" xlink:label="element1345" />
        <label xlink:type="resource" xlink:label="label1345" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_FinancingReceivableInterestIncomeAndAverageBalanceTableTextBlock_en-US">Interest income recognized and average balance of impaired Card Member loans and receivables</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1345" xlink:to="label1345" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancingReceivableInterestIncomeAndAverageBalanceTableTextBlock" xlink:label="element1346" />
        <label xlink:type="resource" xlink:label="label1346" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_FinancingReceivableInterestIncomeAndAverageBalanceTableTextBlock_en-US">Tabular disclosure of interest income recognized and average balances of impaired cardmember loans and receivables.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1346" xlink:to="label1346" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther" xlink:label="element1347" />
        <label xlink:type="resource" xlink:label="label1347" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther_en-US">Debt securities and other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1347" xlink:to="label1347" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther" xlink:label="element1348" />
        <label xlink:type="resource" xlink:label="label1348" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther_en-US">Available-For-Sale Securities, Debt Securities And Other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1348" xlink:to="label1348" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther" xlink:label="element1349" />
        <label xlink:type="resource" xlink:label="label1349" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther_en-US">Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1349" xlink:to="label1349" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther" xlink:label="element1350" />
        <label xlink:type="resource" xlink:label="label1350" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther_en-US">For an unclassified balance sheet, the total of debt and other securities categorized neither as held-to-maturity nor trading.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1350" xlink:to="label1350" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableReserveRollForwardAbstract" xlink:label="element1351" />
        <label xlink:type="resource" xlink:label="label1351" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AccountsReceivableReserveRollForwardAbstract_en-US">Accounts Receivable Reserve Roll Forward [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1351" xlink:to="label1351" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableReserveRollForwardAbstract" xlink:label="element1352" />
        <label xlink:type="resource" xlink:label="label1352" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_AccountsReceivableReserveRollForwardAbstract_en-US">Changes in the Card Member receivables reserve for losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1352" xlink:to="label1352" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableReserveRollForwardAbstract" xlink:label="element1353" />
        <label xlink:type="resource" xlink:label="label1353" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_AccountsReceivableReserveRollForwardAbstract_en-US">Accounts Receivable Roll Forward.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1353" xlink:to="label1353" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesForLossesPolicyAbstract" xlink:label="element1354" />
        <label xlink:type="resource" xlink:label="label1354" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_ReservesForLossesPolicyAbstract_en-US">Reserves For Losses Policy [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1354" xlink:to="label1354" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesForLossesPolicyAbstract" xlink:label="element1355" />
        <label xlink:type="resource" xlink:label="label1355" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_ReservesForLossesPolicyAbstract_en-US">Reserves For Losses Policy [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1355" xlink:to="label1355" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentTypesDomain" xlink:label="element1356" />
        <label xlink:type="resource" xlink:label="label1356" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_InvestmentTypesDomain_en-US">Investment Types [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1356" xlink:to="label1356" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentTypesDomain" xlink:label="element1357" />
        <label xlink:type="resource" xlink:label="label1357" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_InvestmentTypesDomain_en-US">Categorization of investments by investment type. This is commonly used as the first level of categorization in the "Investment Holdings [Table]", "Investment Holdings, Other than Securities [Table]", and the "Summary of Investment Holdings [Table]".</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1357" xlink:to="label1357" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax" xlink:label="element1358" />
        <label xlink:type="resource" xlink:label="label1358" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax_en-US">Other Comprehensive Income Reclassification For Realized Gains Losses Into Earnings Net Of Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1358" xlink:to="label1358" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax" xlink:label="element1359" />
        <label xlink:type="resource" xlink:label="label1359" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax_en-US">Increase (decrease) due to amounts reclassified into earnings</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1359" xlink:to="label1359" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax" xlink:label="element1360" />
        <label xlink:type="resource" xlink:label="label1360" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax_en-US">The total realized gain/ loss that has been included as a separate component of shareholders' equity during the period.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1360" xlink:to="label1360" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax" xlink:label="element1361" />
        <label xlink:type="resource" xlink:label="label1361" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax_en-US">Other Comprehensive Income Net Gains Losses Related To Hedges Of Investment In Foreign Operations Net Of Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1361" xlink:to="label1361" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax" xlink:label="element1362" />
        <label xlink:type="resource" xlink:label="label1362" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax_en-US">Net (losses) gains related to hedges of investment in foreign operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1362" xlink:to="label1362" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax" xlink:label="element1363" />
        <label xlink:type="resource" xlink:label="label1363" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax_en-US">This item represents the gains and losses, net of tax, associated with the Company's hedges of investment in foreign operations that has been included in a separate component of shareholders' equity during the period.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1363" xlink:to="label1363" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeNetChangeNetOfTax" xlink:label="element1364" />
        <label xlink:type="resource" xlink:label="label1364" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_OtherComprehensiveIncomeNetChangeNetOfTax_en-US">Other Comprehensive Income Net Change Net Of Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1364" xlink:to="label1364" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeNetChangeNetOfTax" xlink:label="element1365" />
        <label xlink:type="resource" xlink:label="label1365" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_axp_OtherComprehensiveIncomeNetChangeNetOfTax_en-US">Net change in accumulated other comprehensive (loss) income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1365" xlink:to="label1365" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeNetChangeNetOfTax" xlink:label="element1366" />
        <label xlink:type="resource" xlink:label="label1366" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_OtherComprehensiveIncomeNetChangeNetOfTax_en-US">Amount represents the net change in other comprehensive income (loss) during the period.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1366" xlink:to="label1366" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeNetChangeNetOfTax" xlink:label="element1367" />
        <label xlink:type="resource" xlink:label="label1367" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_axp_OtherComprehensiveIncomeNetChangeNetOfTax_en-US">Net change in accumulated other comprehensive income (loss)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1367" xlink:to="label1367" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansNotesTradeAndOtherReceivablesDisclosureAbstract" xlink:label="element1368" />
        <label xlink:type="resource" xlink:label="label1368" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_LoansNotesTradeAndOtherReceivablesDisclosureAbstract_en-US">Loans Notes Trade And Other Receivables Disclosure [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1368" xlink:to="label1368" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansNotesTradeAndOtherReceivablesDisclosureAbstract" xlink:label="element1369" />
        <label xlink:type="resource" xlink:label="label1369" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_LoansNotesTradeAndOtherReceivablesDisclosureAbstract_en-US">Loans notes trade and other receivables disclosure abstract.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1369" xlink:to="label1369" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInTravelersChequesOutstanding" xlink:label="element1370" />
        <label xlink:type="resource" xlink:label="label1370" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_IncreaseDecreaseInTravelersChequesOutstanding_en-US">Increase (Decrease) In Travelers Cheques Outstanding</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1370" xlink:to="label1370" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInTravelersChequesOutstanding" xlink:label="element1371" />
        <label xlink:type="resource" xlink:label="label1371" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_IncreaseDecreaseInTravelersChequesOutstanding_en-US">Travelers Cheques and other prepaid products</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1371" xlink:to="label1371" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInTravelersChequesOutstanding" xlink:label="element1372" />
        <label xlink:type="resource" xlink:label="label1372" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_IncreaseDecreaseInTravelersChequesOutstanding_en-US">The increase (decrease) during the reporting period in unencashed travelers cheques outstanding.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1372" xlink:to="label1372" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativeAssetAndLiabilityNetting" xlink:label="element1373" />
        <label xlink:type="resource" xlink:label="label1373" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_DerivativeAssetAndLiabilityNetting_en-US">Derivative Asset And Liability Netting</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1373" xlink:to="label1373" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativeAssetAndLiabilityNetting" xlink:label="element1374" />
        <label xlink:type="resource" xlink:label="label1374" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_DerivativeAssetAndLiabilityNetting_en-US">Derivative asset and liability netting</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1374" xlink:to="label1374" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativeAssetAndLiabilityNetting" xlink:label="element1375" />
        <label xlink:type="resource" xlink:label="label1375" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_DerivativeAssetAndLiabilityNetting_en-US">Represents the netting of derivative assets and liabilities under master netting agreements.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1375" xlink:to="label1375" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IcbcMember" xlink:label="element1376" />
        <label xlink:type="resource" xlink:label="label1376" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_IcbcMember_en-US">ICBC [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1376" xlink:to="label1376" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IcbcMember" xlink:label="element1377" />
        <label xlink:type="resource" xlink:label="label1377" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_IcbcMember_en-US">Investment holding in the Industrial and Commercial Bank of China (ICBC).</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1377" xlink:to="label1377" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease" xlink:label="element1378" />
        <label xlink:type="resource" xlink:label="label1378" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_axp_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease_en-US">Foreign currency translation adjustments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1378" xlink:to="label1378" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease" xlink:label="element1379" />
        <label xlink:type="resource" xlink:label="label1379" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease_en-US">Net translation gain (losses) of investments in foreign operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1379" xlink:to="label1379" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease" xlink:label="element1380" />
        <label xlink:type="resource" xlink:label="label1380" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease_en-US">Other Comprehensive Income Foreign Currency Translation Adjustment Net Of Tax Period Increase Decrease</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1380" xlink:to="label1380" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease" xlink:label="element1381" />
        <label xlink:type="resource" xlink:label="label1381" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease_en-US">Adjustment that results from the process of translating subsidiary financial statements and foreign equity investments into functional currency of the reporting entity, net of tax.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1381" xlink:to="label1381" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax" xlink:label="element1382" />
        <label xlink:type="resource" xlink:label="label1382" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax_en-US">Net unrealized gains (losses)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1382" xlink:to="label1382" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax" xlink:label="element1383" />
        <label xlink:type="resource" xlink:label="label1383" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax_en-US">Other Comprehensive Income Net Unrealized Gains Losses Net Of Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1383" xlink:to="label1383" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax" xlink:label="element1384" />
        <label xlink:type="resource" xlink:label="label1384" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax_en-US">The total net unrealized holding gain/loss that has been included as a separate component of other comprehensive income (loss) during the period.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1384" xlink:to="label1384" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AirlineMember" xlink:label="element1385" />
        <label xlink:type="resource" xlink:label="label1385" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AirlineMember_en-US">Airline [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1385" xlink:to="label1385" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AirlineMember" xlink:label="element1386" />
        <label xlink:type="resource" xlink:label="label1386" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_AirlineMember_en-US">Balances with airline counterparties.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1386" xlink:to="label1386" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CounterpartyNamesDomain" xlink:label="element1387" />
        <label xlink:type="resource" xlink:label="label1387" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CounterpartyNamesDomain_en-US">Counterparty Names [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1387" xlink:to="label1387" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DeltaMember" xlink:label="element1388" />
        <label xlink:type="resource" xlink:label="label1388" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_DeltaMember_en-US">Delta [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1388" xlink:to="label1388" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DeltaMember" xlink:label="element1389" />
        <label xlink:type="resource" xlink:label="label1389" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_DeltaMember_en-US">Balances related to Delta Air Lines.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1389" xlink:to="label1389" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SharesHeldInEquityInvestmentSold" xlink:label="element1390" />
        <label xlink:type="resource" xlink:label="label1390" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_SharesHeldInEquityInvestmentSold_en-US">Shares Held In Equity Investment Sold</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1390" xlink:to="label1390" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SharesHeldInEquityInvestmentSold" xlink:label="element1391" />
        <label xlink:type="resource" xlink:label="label1391" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_axp_SharesHeldInEquityInvestmentSold_en-US">Shares held in equity investment sold</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1391" xlink:to="label1391" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SharesHeldInEquityInvestmentSold" xlink:label="element1392" />
        <label xlink:type="resource" xlink:label="label1392" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_SharesHeldInEquityInvestmentSold_en-US">Shares held in ICBC investment sold.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1392" xlink:to="label1392" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax" xlink:label="element1393" />
        <label xlink:type="resource" xlink:label="label1393" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax_en-US">Effective Translation Adjustment For Hedge Increased (Decreased) Net Of Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1393" xlink:to="label1393" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax" xlink:label="element1394" />
        <label xlink:type="resource" xlink:label="label1394" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax_en-US">Effective portion of gain (loss) on hedges</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1394" xlink:to="label1394" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax" xlink:label="element1395" />
        <label xlink:type="resource" xlink:label="label1395" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax_en-US">Effective portion of cumulative gains and losses on foreign currency derivatives that are designated as, and are effective as, hedges of a net investment in a foreign entity commencing as of the designation date. Adjustment reported in equity as part of accumulated other comprehensive income.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1395" xlink:to="label1395" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_UnauthorizedtransactionsmemberMember" xlink:label="element1396" />
        <label xlink:type="resource" xlink:label="label1396" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_UnauthorizedtransactionsmemberMember_en-US">UnauthorizedTransactionsMember [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1396" xlink:to="label1396" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_UnauthorizedtransactionsmemberMember" xlink:label="element1397" />
        <label xlink:type="resource" xlink:label="label1397" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_UnauthorizedtransactionsmemberMember_en-US">Unauthorized Transactions [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1397" xlink:to="label1397" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ForeigncurrencytranslationadjustmentsmemberMember" xlink:label="element1398" />
        <label xlink:type="resource" xlink:label="label1398" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_ForeigncurrencytranslationadjustmentsmemberMember_en-US">ForeignCurrencyTranslationAdjustmentsMember [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1398" xlink:to="label1398" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ForeigncurrencytranslationadjustmentsmemberMember" xlink:label="element1399" />
        <label xlink:type="resource" xlink:label="label1399" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_ForeigncurrencytranslationadjustmentsmemberMember_en-US">Foreign Currency Translation Adjustments [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1399" xlink:to="label1399" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberbankruptcyreservesmemberMember" xlink:label="element1400" />
        <label xlink:type="resource" xlink:label="label1400" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CardmemberbankruptcyreservesmemberMember_en-US">CardmemberBankruptcyReservesMember [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1400" xlink:to="label1400" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberbankruptcyreservesmemberMember" xlink:label="element1401" />
        <label xlink:type="resource" xlink:label="label1401" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_CardmemberbankruptcyreservesmemberMember_en-US">Card Member Bankruptcy Reserves [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1401" xlink:to="label1401" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtheritemsmemberMember" xlink:label="element1402" />
        <label xlink:type="resource" xlink:label="label1402" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_OtheritemsmemberMember_en-US">OtherItemsMember [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1402" xlink:to="label1402" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtheritemsmemberMember" xlink:label="element1403" />
        <label xlink:type="resource" xlink:label="label1403" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_OtheritemsmemberMember_en-US">Other Items [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1403" xlink:to="label1403" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LongTermDebtImpactDueToDebtExchange" xlink:label="element1404" />
        <label xlink:type="resource" xlink:label="label1404" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_LongTermDebtImpactDueToDebtExchange_en-US">Long Term Debt Impact Due To Debt Exchange</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1404" xlink:to="label1404" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LongTermDebtImpactDueToDebtExchange" xlink:label="element1405" />
        <label xlink:type="resource" xlink:label="label1405" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_axp_LongTermDebtImpactDueToDebtExchange_en-US">Impacts due to Debt Exchange</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1405" xlink:to="label1405" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LongTermDebtImpactDueToDebtExchange" xlink:label="element1406" />
        <label xlink:type="resource" xlink:label="label1406" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_LongTermDebtImpactDueToDebtExchange_en-US">Represents the impact on long-term debt due to debt exchange.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1406" xlink:to="label1406" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LongTermDebtImpactDueToDebtExchange" xlink:label="element1407" />
        <label xlink:type="resource" xlink:label="label1407" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_axp_LongTermDebtImpactDueToDebtExchange_en-US">Issuance of debt</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1407" xlink:to="label1407" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LongTermDebtImpactDueToDebtExchange" xlink:label="element1408" />
        <label xlink:type="resource" xlink:label="label1408" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_LongTermDebtImpactDueToDebtExchange_en-US">Issuance of long-term debt</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1408" xlink:to="label1408" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LongTermDebtImpactDueToDebtExchange" xlink:label="element1409" />
        <label xlink:type="resource" xlink:label="label1409" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_axp_LongTermDebtImpactDueToDebtExchange_en-US">Proceeds from Issuance of Long-term Debt, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1409" xlink:to="label1409" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract" xlink:label="element1410" />
        <label xlink:type="resource" xlink:label="label1410" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract_en-US">Financial Instruments Assets Which Carrying Values Equal Or Approximate Fair Value [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1410" xlink:to="label1410" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract" xlink:label="element1411" />
        <label xlink:type="resource" xlink:label="label1411" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract_en-US">Financial assets for which carrying values equal or approximate fair value include cash and cash equivalents, cardmember receivables, accrued interest, and certain other assets. For these assets, the carrying values approximate fair value because they are short-term in duration or variable rate in nature.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1411" xlink:to="label1411" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract" xlink:label="element1412" />
        <label xlink:type="resource" xlink:label="label1412" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract_en-US">Financial assets for which carrying values equal or approximate fair value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1412" xlink:to="label1412" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetsCarriedAtOtherThanFairValueAbstract" xlink:label="element1413" />
        <label xlink:type="resource" xlink:label="label1413" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AssetsCarriedAtOtherThanFairValueAbstract_en-US">Assets Carried At Other Than Fair Value [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1413" xlink:to="label1413" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetsCarriedAtOtherThanFairValueAbstract" xlink:label="element1414" />
        <label xlink:type="resource" xlink:label="label1414" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_AssetsCarriedAtOtherThanFairValueAbstract_en-US">Financial assets carried at other than fair value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1414" xlink:to="label1414" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LiabilitiesCarriedAtOtherThanFairValueAbstract" xlink:label="element1415" />
        <label xlink:type="resource" xlink:label="label1415" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_LiabilitiesCarriedAtOtherThanFairValueAbstract_en-US">Liabilities Carried At Other Than Fair Value [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1415" xlink:to="label1415" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LiabilitiesCarriedAtOtherThanFairValueAbstract" xlink:label="element1416" />
        <label xlink:type="resource" xlink:label="label1416" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_LiabilitiesCarriedAtOtherThanFairValueAbstract_en-US">Financial liabilities carried at other than fair value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1416" xlink:to="label1416" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditValuationAdjustmentMember" xlink:label="element1417" />
        <label xlink:type="resource" xlink:label="label1417" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CreditValuationAdjustmentMember_en-US">Credit Valuation Adjustment [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1417" xlink:to="label1417" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OpenTaxYearsAxis" xlink:label="element1418" />
        <label xlink:type="resource" xlink:label="label1418" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_OpenTaxYearsAxis_en-US">Open Tax Years [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1418" xlink:to="label1418" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OpenTaxYearsDomain" xlink:label="element1419" />
        <label xlink:type="resource" xlink:label="label1419" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_OpenTaxYearsDomain_en-US">Open Tax Years [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1419" xlink:to="label1419" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EarliestYearMember" xlink:label="element1420" />
        <label xlink:type="resource" xlink:label="label1420" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_EarliestYearMember_en-US">Earliest Year [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1420" xlink:to="label1420" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LatestYearMember" xlink:label="element1421" />
        <label xlink:type="resource" xlink:label="label1421" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_LatestYearMember_en-US">Latest Year [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1421" xlink:to="label1421" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetSecuritizationsTextBlock" xlink:label="element1422" />
        <label xlink:type="resource" xlink:label="label1422" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AssetSecuritizationsTextBlock_en-US">Asset Securitizations [Text Block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1422" xlink:to="label1422" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetSecuritizationsTextBlock" xlink:label="element1423" />
        <label xlink:type="resource" xlink:label="label1423" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_AssetSecuritizationsTextBlock_en-US">Asset Securitizations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1423" xlink:to="label1423" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetSecuritizationsTextBlock" xlink:label="element1424" />
        <label xlink:type="resource" xlink:label="label1424" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_AssetSecuritizationsTextBlock_en-US">This disclosure of financial assets transferred to a trust (for example, cardmember receivables and loans) whereby the trust then issues securities to third-party investors and these securities are collateralized by the transferred assets. The nature of any restrictions on assets reported by an entity in its statement of financial position that relate to a transferred financial asset is also disclosed. The required disclosures may be provided in more than one note to the financial statements, as long as the GAAP disclosure objectives are met.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1424" xlink:to="label1424" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchange" xlink:label="element1425" />
        <label xlink:type="resource" xlink:label="label1425" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_IncreaseDecreaseInDebtExchange_en-US">Increase Decrease In Debt Exchange</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1425" xlink:to="label1425" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchange" xlink:label="element1426" />
        <label xlink:type="resource" xlink:label="label1426" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_IncreaseDecreaseInDebtExchange_en-US">The cash outflow for premium paid on the long-term debt due to debt exchange.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1426" xlink:to="label1426" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchange" xlink:label="element1427" />
        <label xlink:type="resource" xlink:label="label1427" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_axp_IncreaseDecreaseInDebtExchange_en-US">Premium paid on debt exchange</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1427" xlink:to="label1427" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchange" xlink:label="element1428" />
        <label xlink:type="resource" xlink:label="label1428" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xml:lang="en-US" id="terse_axp_IncreaseDecreaseInDebtExchange_en-US">Issuance of debt</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1428" xlink:to="label1428" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchange" xlink:label="element1429" />
        <label xlink:type="resource" xlink:label="label1429" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_IncreaseDecreaseInDebtExchange_en-US">Issuance of long-term debt</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1429" xlink:to="label1429" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchange" xlink:label="element1430" />
        <label xlink:type="resource" xlink:label="label1430" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_axp_IncreaseDecreaseInDebtExchange_en-US">Proceeds from Issuance of Long-term Debt, Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1430" xlink:to="label1430" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NotSoldOrRepledgedMember" xlink:label="element1431" />
        <label xlink:type="resource" xlink:label="label1431" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_NotSoldOrRepledgedMember_en-US">Not Sold Or Repledged [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1431" xlink:to="label1431" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NotSoldOrRepledgedMember" xlink:label="element1432" />
        <label xlink:type="resource" xlink:label="label1432" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_NotSoldOrRepledgedMember_en-US">Fair value of securities received as collateral that was not resold or repledged</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1432" xlink:to="label1432" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ImpactOfDebtExchangeOnLongTermDebtDomain" xlink:label="element1433" />
        <label xlink:type="resource" xlink:label="label1433" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_ImpactOfDebtExchangeOnLongTermDebtDomain_en-US">Impact of debt exchange on long-term debt [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1433" xlink:to="label1433" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NonCashMember" xlink:label="element1434" />
        <label xlink:type="resource" xlink:label="label1434" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_NonCashMember_en-US">Non Cash [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1434" xlink:to="label1434" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValueOfSecuritiesReceivedAsCollateral" xlink:label="element1435" />
        <label xlink:type="resource" xlink:label="label1435" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_FairValueOfSecuritiesReceivedAsCollateral_en-US">Securities received as collateral</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1435" xlink:to="label1435" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValueOfSecuritiesReceivedAsCollateral" xlink:label="element1436" />
        <label xlink:type="resource" xlink:label="label1436" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_FairValueOfSecuritiesReceivedAsCollateral_en-US">Fair Value of Securities Received as Collateral</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1436" xlink:to="label1436" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValueOfSecuritiesReceivedAsCollateral" xlink:label="element1437" />
        <label xlink:type="resource" xlink:label="label1437" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_FairValueOfSecuritiesReceivedAsCollateral_en-US">This is the fair value as of the date of each statement of financial position presented of the collateral in form of securities that is permitted, by contact or custom, to be sold or re-pledged.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1437" xlink:to="label1437" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchangeLineItems" xlink:label="element1438" />
        <label xlink:type="resource" xlink:label="label1438" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_IncreaseDecreaseInDebtExchangeLineItems_en-US">Increase decrease in debt exchange [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1438" xlink:to="label1438" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchangeTable" xlink:label="element1439" />
        <label xlink:type="resource" xlink:label="label1439" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_IncreaseDecreaseInDebtExchangeTable_en-US">Increase Decrease In Debt Exchange [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1439" xlink:to="label1439" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchangeAxis" xlink:label="element1440" />
        <label xlink:type="resource" xlink:label="label1440" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_IncreaseDecreaseInDebtExchangeAxis_en-US">Increase Decrease In Debt Exchange [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1440" xlink:to="label1440" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeLossTextualsAbstract" xlink:label="element1441" />
        <label xlink:type="resource" xlink:label="label1441" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_OtherComprehensiveIncomeLossTextualsAbstract_en-US">Other Comprehensive Income Loss Textuals [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1441" xlink:to="label1441" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NoninterestIncomeOtherOperatingIncomeTax" xlink:label="element1442" />
        <label xlink:type="resource" xlink:label="label1442" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_NoninterestIncomeOtherOperatingIncomeTax_en-US">Noninterest Income, Other Operating Income, Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1442" xlink:to="label1442" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NoninterestIncomeOtherOperatingIncomeTax" xlink:label="element1443" />
        <label xlink:type="resource" xlink:label="label1443" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_NoninterestIncomeOtherOperatingIncomeTax_en-US">Income tax provision for other non-interest revenue</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1443" xlink:to="label1443" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NoninterestIncomeOtherOperatingIncomeTax" xlink:label="element1444" />
        <label xlink:type="resource" xlink:label="label1444" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_NoninterestIncomeOtherOperatingIncomeTax_en-US">Represents the income tax provision related to other forms of revenue earned, excluding interest, which is not otherwise specified in the taxonomy.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1444" xlink:to="label1444" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NoninterestIncomeOtherOperatingIncomeNet" xlink:label="element1445" />
        <label xlink:type="resource" xlink:label="label1445" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_NoninterestIncomeOtherOperatingIncomeNet_en-US">Noninterest Income, Other Operating Income, Net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1445" xlink:to="label1445" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NoninterestIncomeOtherOperatingIncomeNet" xlink:label="element1446" />
        <label xlink:type="resource" xlink:label="label1446" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_NoninterestIncomeOtherOperatingIncomeNet_en-US">Represents other forms (after taxes) of revenue earned, excluding interest, which is not otherwise specified in the taxonomy.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1446" xlink:to="label1446" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NoninterestIncomeOtherOperatingIncomeNet" xlink:label="element1447" />
        <label xlink:type="resource" xlink:label="label1447" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_NoninterestIncomeOtherOperatingIncomeNet_en-US">Other non-interest revenue, net of taxes</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1447" xlink:to="label1447" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InterestExpenseLongTermDebtTax" xlink:label="element1448" />
        <label xlink:type="resource" xlink:label="label1448" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_InterestExpenseLongTermDebtTax_en-US">Interest Expense, Long-term Debt, Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1448" xlink:to="label1448" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InterestExpenseLongTermDebtTax" xlink:label="element1449" />
        <label xlink:type="resource" xlink:label="label1449" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_InterestExpenseLongTermDebtTax_en-US">Income tax benefit for interest expense on long-term debt and other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1449" xlink:to="label1449" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InterestExpenseLongTermDebtTax" xlink:label="element1450" />
        <label xlink:type="resource" xlink:label="label1450" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_InterestExpenseLongTermDebtTax_en-US">Income tax benefit related to aggregate amount of interest paid or due on all long-term debt.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1450" xlink:to="label1450" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InterestExpenseLongTermDebtNet" xlink:label="element1451" />
        <label xlink:type="resource" xlink:label="label1451" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_InterestExpenseLongTermDebtNet_en-US">Interest Expense, Long-term Debt, Net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1451" xlink:to="label1451" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InterestExpenseLongTermDebtNet" xlink:label="element1452" />
        <label xlink:type="resource" xlink:label="label1452" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_InterestExpenseLongTermDebtNet_en-US">Interest expense on long-term debt and other, net of taxes</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1452" xlink:to="label1452" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InterestExpenseLongTermDebtNet" xlink:label="element1453" />
        <label xlink:type="resource" xlink:label="label1453" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_InterestExpenseLongTermDebtNet_en-US">Aggregate amount of interest paid or due on all long-term debt, after taxes.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1453" xlink:to="label1453" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherNoninterestExpenseTax" xlink:label="element1454" />
        <label xlink:type="resource" xlink:label="label1454" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_OtherNoninterestExpenseTax_en-US">Other Noninterest Expense, Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1454" xlink:to="label1454" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherNoninterestExpenseTax" xlink:label="element1455" />
        <label xlink:type="resource" xlink:label="label1455" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_OtherNoninterestExpenseTax_en-US">Income tax benefit related to other noninterest expenses that are not separately presented in any other noninterest expense category.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1455" xlink:to="label1455" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherNoninterestExpenseTax" xlink:label="element1456" />
        <label xlink:type="resource" xlink:label="label1456" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_OtherNoninterestExpenseTax_en-US">Income tax benefit for other, net expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1456" xlink:to="label1456" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherNoninterestExpenseNet" xlink:label="element1457" />
        <label xlink:type="resource" xlink:label="label1457" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_OtherNoninterestExpenseNet_en-US">Other Noninterest Expense, Net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1457" xlink:to="label1457" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherNoninterestExpenseNet" xlink:label="element1458" />
        <label xlink:type="resource" xlink:label="label1458" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_OtherNoninterestExpenseNet_en-US">Other noninterest expenses that are not separately presented in any other noninterest expense category, net of taxes.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1458" xlink:to="label1458" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherNoninterestExpenseNet" xlink:label="element1459" />
        <label xlink:type="resource" xlink:label="label1459" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_OtherNoninterestExpenseNet_en-US">Other, net expense, net of taxes</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1459" xlink:to="label1459" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SignificantCounterpartiesMember" xlink:label="element1460" />
        <label xlink:type="resource" xlink:label="label1460" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_SignificantCounterpartiesMember_en-US">Significant Counterparties [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1460" xlink:to="label1460" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SignificantCounterpartiesMember" xlink:label="element1461" />
        <label xlink:type="resource" xlink:label="label1461" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_SignificantCounterpartiesMember_en-US">Individually significant derivative counterparties.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1461" xlink:to="label1461" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SignificantCounterpartiesMember" xlink:label="element1462" />
        <label xlink:type="resource" xlink:label="label1462" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_SignificantCounterpartiesMember_en-US">Individually Significant Counterparties [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1462" xlink:to="label1462" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CustomerDepositsByTypeLineItems" xlink:label="element1463" />
        <label xlink:type="resource" xlink:label="label1463" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CustomerDepositsByTypeLineItems_en-US">Customer Deposits by Type [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1463" xlink:to="label1463" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CustomerDepositsByTypeLineItems" xlink:label="element1464" />
        <label xlink:type="resource" xlink:label="label1464" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CustomerDepositsByTypeLineItems_en-US">Customer Deposits by Type Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1464" xlink:to="label1464" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmembercreditbalancesTable" xlink:label="element1465" />
        <label xlink:type="resource" xlink:label="label1465" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CardmembercreditbalancesTable_en-US">CardmemberCreditBalances [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1465" xlink:to="label1465" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmembercreditbalancesTable" xlink:label="element1466" />
        <label xlink:type="resource" xlink:label="label1466" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CardmembercreditbalancesTable_en-US">Prospective reclassification of cardmember credit balances from Cardmember Loans and Receivables and Other Liabilities into Customer Deposits</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1466" xlink:to="label1466" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditBalancesAxis" xlink:label="element1467" />
        <label xlink:type="resource" xlink:label="label1467" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CreditBalancesAxis_en-US">Credit Balances [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1467" xlink:to="label1467" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditBalancesAxis" xlink:label="element1468" />
        <label xlink:type="resource" xlink:label="label1468" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CreditBalancesAxis_en-US">Cardmember credit balances</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1468" xlink:to="label1468" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberCreditBalancesDomain" xlink:label="element1469" />
        <label xlink:type="resource" xlink:label="label1469" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CardmemberCreditBalancesDomain_en-US">Card Member Credit Balances [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1469" xlink:to="label1469" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberCreditBalancesDomain" xlink:label="element1470" />
        <label xlink:type="resource" xlink:label="label1470" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CardmemberCreditBalancesDomain_en-US">Cardmember credit balances</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1470" xlink:to="label1470" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberCreditBalancesMember" xlink:label="element1471" />
        <label xlink:type="resource" xlink:label="label1471" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CardmemberCreditBalancesMember_en-US">Card Member Credit Balances [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1471" xlink:to="label1471" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberCreditBalancesMember" xlink:label="element1472" />
        <label xlink:type="resource" xlink:label="label1472" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CardmemberCreditBalancesMember_en-US">Cardmember credit balances</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1472" xlink:to="label1472" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativeFairValueOfDerivativeAssetNotOffsetAgainstCollateral" xlink:label="element1473" />
        <label xlink:type="resource" xlink:label="label1473" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_DerivativeFairValueOfDerivativeAssetNotOffsetAgainstCollateral_en-US">Derivative Fair Value O fDerivative Asset Not Offset Against Collateral</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1473" xlink:to="label1473" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativeFairValueOfDerivativeAssetNotOffsetAgainstCollateral" xlink:label="element1474" />
        <label xlink:type="resource" xlink:label="label1474" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_DerivativeFairValueOfDerivativeAssetNotOffsetAgainstCollateral_en-US">Fair value of derivative assets that are permitted under a master netting arrangement, but elected not to be presented as an offset against an obligation to return collateral received against such assets.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1474" xlink:to="label1474" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativeFairValueOfDerivativeAssetNotOffsetAgainstCollateral" xlink:label="element1475" />
        <label xlink:type="resource" xlink:label="label1475" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_DerivativeFairValueOfDerivativeAssetNotOffsetAgainstCollateral_en-US">Derivative asset not offset</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1475" xlink:to="label1475" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativeFairValueOfDerivativeLiabilityNotOffsetAgainstCollateral" xlink:label="element1476" />
        <label xlink:type="resource" xlink:label="label1476" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_DerivativeFairValueOfDerivativeLiabilityNotOffsetAgainstCollateral_en-US">Derivative Fair Value Of Derivative Liability Not Offset Against Collateral</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1476" xlink:to="label1476" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativeFairValueOfDerivativeLiabilityNotOffsetAgainstCollateral" xlink:label="element1477" />
        <label xlink:type="resource" xlink:label="label1477" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_DerivativeFairValueOfDerivativeLiabilityNotOffsetAgainstCollateral_en-US">Fair value of derivative liabilities that are permitted under a master netting arrangement, but elected not to be presented as an offset against the right to receive collateral paid against such liabilities.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1477" xlink:to="label1477" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativeFairValueOfDerivativeLiabilityNotOffsetAgainstCollateral" xlink:label="element1478" />
        <label xlink:type="resource" xlink:label="label1478" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_DerivativeFairValueOfDerivativeLiabilityNotOffsetAgainstCollateral_en-US">Derivative liabilities not offset</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1478" xlink:to="label1478" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RiskExposureLowMember" xlink:label="element1479" />
        <label xlink:type="resource" xlink:label="label1479" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_RiskExposureLowMember_en-US">Risk Exposure Low [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1479" xlink:to="label1479" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RiskExposureLowMember" xlink:label="element1480" />
        <label xlink:type="resource" xlink:label="label1480" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_RiskExposureLowMember_en-US">Reduction in the Company's risk exposure through noncash collateral</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1480" xlink:to="label1480" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DomesticAndForeignCardmemberCreditBalances" xlink:label="element1481" />
        <label xlink:type="resource" xlink:label="label1481" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_DomesticAndForeignCardmemberCreditBalances_en-US">Domestic And Foreign Cardmember Credit Balances</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1481" xlink:to="label1481" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DomesticAndForeignCardmemberCreditBalances" xlink:label="element1482" />
        <label xlink:type="resource" xlink:label="label1482" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_DomesticAndForeignCardmemberCreditBalances_en-US">Cardmember credit balances (U.S. and non-U.S.) reclassified into Other Liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1482" xlink:to="label1482" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DomesticAndForeignCardmemberCreditBalances" xlink:label="element1483" />
        <label xlink:type="resource" xlink:label="label1483" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_DomesticAndForeignCardmemberCreditBalances_en-US">Card Member credit balances - U.S. and non-U.S.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1483" xlink:to="label1483" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherInvestmentSecuritiesMember" xlink:label="element1484" />
        <label xlink:type="resource" xlink:label="label1484" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_OtherInvestmentSecuritiesMember_en-US">Other Investment Securities [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1484" xlink:to="label1484" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherInvestmentSecuritiesMember" xlink:label="element1485" />
        <label xlink:type="resource" xlink:label="label1485" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_OtherInvestmentSecuritiesMember_en-US">Other [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1485" xlink:to="label1485" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherInvestmentSecuritiesMember" xlink:label="element1486" />
        <label xlink:type="resource" xlink:label="label1486" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_OtherInvestmentSecuritiesMember_en-US">Other investment securities with gross unrealized losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1486" xlink:to="label1486" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherCostAndExpenseDisclosureOperating1Abstract" xlink:label="element1487" />
        <label xlink:type="resource" xlink:label="label1487" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_OtherCostAndExpenseDisclosureOperating1Abstract_en-US">Other Cost And Expense Disclosure Operating (Tables) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1487" xlink:to="label1487" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProfessionalServices" xlink:label="element1488" />
        <label xlink:type="resource" xlink:label="label1488" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_ProfessionalServices_en-US">Professional Services</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1488" xlink:to="label1488" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProfessionalServices" xlink:label="element1489" />
        <label xlink:type="resource" xlink:label="label1489" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_ProfessionalServices_en-US">Professional services</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1489" xlink:to="label1489" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProfessionalServices" xlink:label="element1490" />
        <label xlink:type="resource" xlink:label="label1490" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_ProfessionalServices_en-US">The aggregate amount of professional services fees and other processing expenses.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1490" xlink:to="label1490" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_Communications" xlink:label="element1491" />
        <label xlink:type="resource" xlink:label="label1491" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_Communications_en-US">Communications</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1491" xlink:to="label1491" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_Communications" xlink:label="element1492" />
        <label xlink:type="resource" xlink:label="label1492" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_Communications_en-US">The aggregate amount of communications and data processing expenses.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1492" xlink:to="label1492" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherNetExpenses" xlink:label="element1493" />
        <label xlink:type="resource" xlink:label="label1493" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_OtherNetExpenses_en-US">Other Net Expenses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1493" xlink:to="label1493" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherNetExpenses" xlink:label="element1494" />
        <label xlink:type="resource" xlink:label="label1494" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_OtherNetExpenses_en-US">Other net expenses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1494" xlink:to="label1494" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherNetExpenses" xlink:label="element1495" />
        <label xlink:type="resource" xlink:label="label1495" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_OtherNetExpenses_en-US">Represents other, net expenses from miscellaneous items within other revenues not previously classified.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1495" xlink:to="label1495" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarketingAndPromotion" xlink:label="element1496" />
        <label xlink:type="resource" xlink:label="label1496" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_MarketingAndPromotion_en-US">Marketing And Promotion</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1496" xlink:to="label1496" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarketingAndPromotion" xlink:label="element1497" />
        <label xlink:type="resource" xlink:label="label1497" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_MarketingAndPromotion_en-US">Marketing and promotion</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1497" xlink:to="label1497" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarketingAndPromotion" xlink:label="element1498" />
        <label xlink:type="resource" xlink:label="label1498" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_MarketingAndPromotion_en-US">Represents advertising costs, which are expensed in the year in which the advertising first takes place.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1498" xlink:to="label1498" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberRewards" xlink:label="element1499" />
        <label xlink:type="resource" xlink:label="label1499" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CardmemberRewards_en-US">Cardmember Rewards</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1499" xlink:to="label1499" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberRewards" xlink:label="element1500" />
        <label xlink:type="resource" xlink:label="label1500" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_CardmemberRewards_en-US">Card Member rewards</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1500" xlink:to="label1500" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberRewards" xlink:label="element1501" />
        <label xlink:type="resource" xlink:label="label1501" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CardmemberRewards_en-US">Represents the costs of rewards programs (including Membership Rewards).</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1501" xlink:to="label1501" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberServices" xlink:label="element1502" />
        <label xlink:type="resource" xlink:label="label1502" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CardmemberServices_en-US">Cardmember Services</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1502" xlink:to="label1502" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberServices" xlink:label="element1503" />
        <label xlink:type="resource" xlink:label="label1503" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_CardmemberServices_en-US">Card Member services and other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1503" xlink:to="label1503" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberServices" xlink:label="element1504" />
        <label xlink:type="resource" xlink:label="label1504" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CardmemberServices_en-US">Represents protection plans and complimentary services provided to cardmembers.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1504" xlink:to="label1504" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GlobalNetworkServicesPartnerRevenues" xlink:label="element1505" />
        <label xlink:type="resource" xlink:label="label1505" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_GlobalNetworkServicesPartnerRevenues_en-US">Global Network Services Partner Revenues</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1505" xlink:to="label1505" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GlobalNetworkServicesPartnerRevenues" xlink:label="element1506" />
        <label xlink:type="resource" xlink:label="label1506" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_GlobalNetworkServicesPartnerRevenues_en-US">Global Network Services partner revenues</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1506" xlink:to="label1506" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GlobalNetworkServicesPartnerRevenues" xlink:label="element1507" />
        <label xlink:type="resource" xlink:label="label1507" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_GlobalNetworkServicesPartnerRevenues_en-US">Represents revenues received from Global Network Service partners on use of the American Express brand name.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1507" xlink:to="label1507" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TravelersChequesRelatedRevenue" xlink:label="element1508" />
        <label xlink:type="resource" xlink:label="label1508" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_TravelersChequesRelatedRevenue_en-US">Travelers Cheques Related Revenue</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1508" xlink:to="label1508" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TravelersChequesRelatedRevenue" xlink:label="element1509" />
        <label xlink:type="resource" xlink:label="label1509" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_TravelersChequesRelatedRevenue_en-US">Travelers Cheques related revenue</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1509" xlink:to="label1509" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TravelersChequesRelatedRevenue" xlink:label="element1510" />
        <label xlink:type="resource" xlink:label="label1510" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_TravelersChequesRelatedRevenue_en-US">Represents travelers cheques related revenue.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1510" xlink:to="label1510" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherRevenues" xlink:label="element1511" />
        <label xlink:type="resource" xlink:label="label1511" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_OtherRevenues_en-US">Other Revenues</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1511" xlink:to="label1511" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherRevenues" xlink:label="element1512" />
        <label xlink:type="resource" xlink:label="label1512" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_OtherRevenues_en-US">Other revenues</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1512" xlink:to="label1512" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherRevenues" xlink:label="element1513" />
        <label xlink:type="resource" xlink:label="label1513" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_OtherRevenues_en-US">Represents revenues from miscellaneous items within other revenues not previously classified.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1513" xlink:to="label1513" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GuaranteesTablesAbstract" xlink:label="element1514" />
        <label xlink:type="resource" xlink:label="label1514" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_GuaranteesTablesAbstract_en-US">Guarantees (Tables) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1514" xlink:to="label1514" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GuaranteesTablesAbstract" xlink:label="element1515" />
        <label xlink:type="resource" xlink:label="label1515" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_GuaranteesTablesAbstract_en-US">Guarantees.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1515" xlink:to="label1515" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ForeignCurrencyGainLoss" xlink:label="element1516" />
        <label xlink:type="resource" xlink:label="label1516" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_ForeignCurrencyGainLoss_en-US">Foreign Currency Gain Loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1516" xlink:to="label1516" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ForeignCurrencyGainLoss" xlink:label="element1517" />
        <label xlink:type="resource" xlink:label="label1517" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_ForeignCurrencyGainLoss_en-US">Foreign currency conversion fee revenue</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1517" xlink:to="label1517" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ForeignCurrencyGainLoss" xlink:label="element1518" />
        <label xlink:type="resource" xlink:label="label1518" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_ForeignCurrencyGainLoss_en-US">Primary financial statement caption in which reported facts about foreign currency gain (loss) have been included.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1518" xlink:to="label1518" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DelinquencyFees" xlink:label="element1519" />
        <label xlink:type="resource" xlink:label="label1519" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_DelinquencyFees_en-US">Delinquency Fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1519" xlink:to="label1519" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DelinquencyFees" xlink:label="element1520" />
        <label xlink:type="resource" xlink:label="label1520" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_DelinquencyFees_en-US">Delinquency fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1520" xlink:to="label1520" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DelinquencyFees" xlink:label="element1521" />
        <label xlink:type="resource" xlink:label="label1521" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_DelinquencyFees_en-US">Represents amounts to cardmembers for failure to pay the outstanding (or minimum balance) on their cards by the due date.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1521" xlink:to="label1521" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ServiceFees" xlink:label="element1522" />
        <label xlink:type="resource" xlink:label="label1522" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_ServiceFees_en-US">Service Fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1522" xlink:to="label1522" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ServiceFees" xlink:label="element1523" />
        <label xlink:type="resource" xlink:label="label1523" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_ServiceFees_en-US">Service fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1523" xlink:to="label1523" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ServiceFees" xlink:label="element1524" />
        <label xlink:type="resource" xlink:label="label1524" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_ServiceFees_en-US">Fee for services rendered usually based on a percentage of an amount received or collected or agreed to be paid for professional services.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1524" xlink:to="label1524" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherCommissionsAndFees" xlink:label="element1525" />
        <label xlink:type="resource" xlink:label="label1525" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_OtherCommissionsAndFees_en-US">Other Commissions And Fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1525" xlink:to="label1525" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherCommissionsAndFees" xlink:label="element1526" />
        <label xlink:type="resource" xlink:label="label1526" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_OtherCommissionsAndFees_en-US">Other commissions and fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1526" xlink:to="label1526" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherCommissionsAndFees" xlink:label="element1527" />
        <label xlink:type="resource" xlink:label="label1527" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_OtherCommissionsAndFees_en-US">Represents revenues from miscellaneous items within other commissions and fees not previously classified.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1527" xlink:to="label1527" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansAndRelatedReservesDetailsTextualsAbstract" xlink:label="element1528" />
        <label xlink:type="resource" xlink:label="label1528" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CardmemberLoansAndRelatedReservesDetailsTextualsAbstract_en-US">Cardmember Loans And Related Reserves (Details) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1528" xlink:to="label1528" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarginOnInterestRateSwapNotNetted" xlink:label="element1529" />
        <label xlink:type="resource" xlink:label="label1529" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_MarginOnInterestRateSwapNotNetted_en-US">Margin On Interest Rate Swap Not Netted</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1529" xlink:to="label1529" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarginOnInterestRateSwapNotNetted" xlink:label="element1530" />
        <label xlink:type="resource" xlink:label="label1530" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_MarginOnInterestRateSwapNotNetted_en-US">Margin On Interest Rate Swap Not Netted</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1530" xlink:to="label1530" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarginOnInterestRateSwapNotNetted" xlink:label="element1531" />
        <label xlink:type="resource" xlink:label="label1531" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_MarginOnInterestRateSwapNotNetted_en-US">Amount posted as initial margin for centrally cleared interest rate swaps which is not netted against the derivative balances.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1531" xlink:to="label1531" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTemporaryDifferences" xlink:label="element1532" />
        <label xlink:type="resource" xlink:label="label1532" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTemporaryDifferences_en-US">Significant Change In Unrecognized Tax Benefits Is Reasonably Possible Temporary Differences</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1532" xlink:to="label1532" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTemporaryDifferences" xlink:label="element1533" />
        <label xlink:type="resource" xlink:label="label1533" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTemporaryDifferences_en-US">Unrecognized tax benefits, amounts not impacting effective tax rate - temporary differences</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1533" xlink:to="label1533" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTemporaryDifferences" xlink:label="element1534" />
        <label xlink:type="resource" xlink:label="label1534" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTemporaryDifferences_en-US">Represents amount that if recognized would not impact the effective tax rate as it relates to temporary differences.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1534" xlink:to="label1534" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_BusinessCombinationDisclosureAbstract" xlink:label="element1535" />
        <label xlink:type="resource" xlink:label="label1535" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_BusinessCombinationDisclosureAbstract_en-US">Business Combination Disclosure [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1535" xlink:to="label1535" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_BusinessCombinationDisclosureAbstract" xlink:label="element1536" />
        <label xlink:type="resource" xlink:label="label1536" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_BusinessCombinationDisclosureAbstract_en-US">Business Combination Disclosure.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1536" xlink:to="label1536" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetsFromTrustsLineItems" xlink:label="element1537" />
        <label xlink:type="resource" xlink:label="label1537" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AssetsFromTrustsLineItems_en-US">Assets from Trusts [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1537" xlink:to="label1537" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AllowanceForReceivablesRecoveriesOfBadDebtsTDR" xlink:label="element1538" />
        <label xlink:type="resource" xlink:label="label1538" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AllowanceForReceivablesRecoveriesOfBadDebtsTDR_en-US">Allowance For Receivables Recoveries Of Bad Debts-TDR</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1538" xlink:to="label1538" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AllowanceForReceivablesRecoveriesOfBadDebtsTDR" xlink:label="element1539" />
        <label xlink:type="resource" xlink:label="label1539" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_AllowanceForReceivablesRecoveriesOfBadDebtsTDR_en-US">Allowance for Card Member Receivables, Recoveries of Bad Debts - TDR</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1539" xlink:to="label1539" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AllowanceForReceivablesRecoveriesOfBadDebtsTDR" xlink:label="element1540" />
        <label xlink:type="resource" xlink:label="label1540" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_AllowanceForReceivablesRecoveriesOfBadDebtsTDR_en-US">Amount of recovery of Card Member receivables related to troubled debt restructurings, which had previously been fully or partially written-off as bad debts.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1540" xlink:to="label1540" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AllowanceForLoansRecoveriesOfBadDebtsTDR" xlink:label="element1541" />
        <label xlink:type="resource" xlink:label="label1541" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_AllowanceForLoansRecoveriesOfBadDebtsTDR_en-US">Allowance For Loans Recoveries Of Bad Debts TDR</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1541" xlink:to="label1541" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AllowanceForLoansRecoveriesOfBadDebtsTDR" xlink:label="element1542" />
        <label xlink:type="resource" xlink:label="label1542" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_AllowanceForLoansRecoveriesOfBadDebtsTDR_en-US">Allowance for Card Member Loans, Recoveries of Bad Debts - TDR</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1542" xlink:to="label1542" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AllowanceForLoansRecoveriesOfBadDebtsTDR" xlink:label="element1543" />
        <label xlink:type="resource" xlink:label="label1543" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_AllowanceForLoansRecoveriesOfBadDebtsTDR_en-US">Amount of recovery of Card Member loans related to troubled debt restructurings, which had previously been fully or partially written-off as bad debts.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1543" xlink:to="label1543" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoyaltyPartnerRelatedFees" xlink:label="element1544" />
        <label xlink:type="resource" xlink:label="label1544" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_LoyaltyPartnerRelatedFees_en-US">Loyalty Partner-related fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1544" xlink:to="label1544" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoyaltyPartnerRelatedFees" xlink:label="element1545" />
        <label xlink:type="resource" xlink:label="label1545" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_LoyaltyPartnerRelatedFees_en-US">Loyalty Partner-related fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1545" xlink:to="label1545" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoyaltyPartnerRelatedFees" xlink:label="element1546" />
        <label xlink:type="resource" xlink:label="label1546" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_LoyaltyPartnerRelatedFees_en-US">Represents fees generated by the Loyalty Partner business.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1546" xlink:to="label1546" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancingReceivableModificationsDifferencePreAndPostModificationRecordedInvestment" xlink:label="element1547" />
        <label xlink:type="resource" xlink:label="label1547" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_FinancingReceivableModificationsDifferencePreAndPostModificationRecordedInvestment_en-US">Financing Receivable Modifications Difference Pre And Post Modification Recorded Investment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1547" xlink:to="label1547" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancingReceivableModificationsDifferencePreAndPostModificationRecordedInvestment" xlink:label="element1548" />
        <label xlink:type="resource" xlink:label="label1548" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_FinancingReceivableModificationsDifferencePreAndPostModificationRecordedInvestment_en-US">Difference between pre- and post-modification outstanding balances</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1548" xlink:to="label1548" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancingReceivableModificationsDifferencePreAndPostModificationRecordedInvestment" xlink:label="element1549" />
        <label xlink:type="resource" xlink:label="label1549" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_FinancingReceivableModificationsDifferencePreAndPostModificationRecordedInvestment_en-US">Difference between pre-modification and post-modification amounts of investment in financing receivables modified by troubled debt restructurings.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1549" xlink:to="label1549" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardRelatedFraudLosses" xlink:label="element1550" />
        <label xlink:type="resource" xlink:label="label1550" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CardRelatedFraudLosses_en-US">Card-Related Fraud Losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1550" xlink:to="label1550" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardRelatedFraudLosses" xlink:label="element1551" />
        <label xlink:type="resource" xlink:label="label1551" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_CardRelatedFraudLosses_en-US">Card-Related Fraud Losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1551" xlink:to="label1551" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardRelatedFraudLosses" xlink:label="element1552" />
        <label xlink:type="resource" xlink:label="label1552" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CardRelatedFraudLosses_en-US">This represents expenses incurred with respect to card-related fraud losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1552" xlink:to="label1552" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CostOfCardMemberServicesMember" xlink:label="element1553" />
        <label xlink:type="resource" xlink:label="label1553" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CostOfCardMemberServicesMember_en-US">Cost Of Card Member Services [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1553" xlink:to="label1553" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CostOfCardMemberServicesMember" xlink:label="element1554" />
        <label xlink:type="resource" xlink:label="label1554" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CostOfCardMemberServicesMember_en-US">Embedded derivative on airport lounge lease</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1554" xlink:to="label1554" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DivestituresDetailsAbstract" xlink:label="element1555" />
        <label xlink:type="resource" xlink:label="label1555" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_DivestituresDetailsAbstract_en-US">Divestitures (Details) [Abstract]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1555" xlink:to="label1555" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountNonAccrualStatus" xlink:label="element1556" />
        <label xlink:type="resource" xlink:label="label1556" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountNonAccrualStatus_en-US">Loans And Receivables Impaired Troubled Debt Restructuring Amount Non Accrual Status</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1556" xlink:to="label1556" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountNonAccrualStatus" xlink:label="element1557" />
        <label xlink:type="resource" xlink:label="label1557" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountNonAccrualStatus_en-US">Total loans and receivables modified as a TDR, non-accrual</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1557" xlink:to="label1557" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountNonAccrualStatus" xlink:label="element1558" />
        <label xlink:type="resource" xlink:label="label1558" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountNonAccrualStatus_en-US">Recorded investment in financing receivables that have been modified in a Troubled Debt Restructuring and are on nonaccrual status as of the balance sheet date.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1558" xlink:to="label1558" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CashInvestedByThirdPartyInJointVenture" xlink:label="element1559" />
        <label xlink:type="resource" xlink:label="label1559" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_CashInvestedByThirdPartyInJointVenture_en-US">Cash Invested by Third Party in Joint Venture</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1559" xlink:to="label1559" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CashInvestedByThirdPartyInJointVenture" xlink:label="element1560" />
        <label xlink:type="resource" xlink:label="label1560" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_CashInvestedByThirdPartyInJointVenture_en-US">Primary input used to determine fair value of equity investment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1560" xlink:to="label1560" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CashInvestedByThirdPartyInJointVenture" xlink:label="element1561" />
        <label xlink:type="resource" xlink:label="label1561" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_CashInvestedByThirdPartyInJointVenture_en-US">Cash invested by third party in joint venture</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1561" xlink:to="label1561" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EquityMethodInvestmentOwnershipHeldByThirdParty" xlink:label="element1562" />
        <label xlink:type="resource" xlink:label="label1562" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_EquityMethodInvestmentOwnershipHeldByThirdParty_en-US">Equity Method Investment Ownership Percentage Held by Third Party</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1562" xlink:to="label1562" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EquityMethodInvestmentOwnershipHeldByThirdParty" xlink:label="element1563" />
        <label xlink:type="resource" xlink:label="label1563" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_EquityMethodInvestmentOwnershipHeldByThirdParty_en-US">Ownership percentage by third party</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1563" xlink:to="label1563" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EquityMethodInvestmentOwnershipHeldByThirdParty" xlink:label="element1564" />
        <label xlink:type="resource" xlink:label="label1564" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_EquityMethodInvestmentOwnershipHeldByThirdParty_en-US">"The percentage of ownership of common stock or equity participation held by third party in the investee accounted for under the equity method of accounting</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1564" xlink:to="label1564" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SubordinatedDebtIssuanceYear" xlink:label="element1565" />
        <label xlink:type="resource" xlink:label="label1565" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_SubordinatedDebtIssuanceYear_en-US">Subordinated Debt Issuance Year</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1565" xlink:to="label1565" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SubordinatedDebtIssuanceYear" xlink:label="element1566" />
        <label xlink:type="resource" xlink:label="label1566" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_SubordinatedDebtIssuanceYear_en-US">Subordinated debt issuance year</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1566" xlink:to="label1566" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SubordinatedDebtIssuanceYear" xlink:label="element1567" />
        <label xlink:type="resource" xlink:label="label1567" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_SubordinatedDebtIssuanceYear_en-US">Year when subordinated debt has been issued</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1567" xlink:to="label1567" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SubordinatedDebtMaturityYear" xlink:label="element1568" />
        <label xlink:type="resource" xlink:label="label1568" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_SubordinatedDebtMaturityYear_en-US">Subordinated Debt Maturity Year</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1568" xlink:to="label1568" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SubordinatedDebtMaturityYear" xlink:label="element1569" />
        <label xlink:type="resource" xlink:label="label1569" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_SubordinatedDebtMaturityYear_en-US">Subordinated debt maturity year</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1569" xlink:to="label1569" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SubordinatedDebtMaturityYear" xlink:label="element1570" />
        <label xlink:type="resource" xlink:label="label1570" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_SubordinatedDebtMaturityYear_en-US">Year when subordinated debt will mature</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1570" xlink:to="label1570" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DeconsolidationGainOrLossAmountBeforeTax" xlink:label="element1571" />
        <label xlink:type="resource" xlink:label="label1571" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_DeconsolidationGainOrLossAmountBeforeTax_en-US">Deconsolidation Gain or Loss Amount Before Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1571" xlink:to="label1571" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DeconsolidationGainOrLossAmountBeforeTax" xlink:label="element1572" />
        <label xlink:type="resource" xlink:label="label1572" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_DeconsolidationGainOrLossAmountBeforeTax_en-US">Deconsolidation gain amount, before tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1572" xlink:to="label1572" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DeconsolidationGainOrLossAmountBeforeTax" xlink:label="element1573" />
        <label xlink:type="resource" xlink:label="label1573" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_DeconsolidationGainOrLossAmountBeforeTax_en-US">Gain on business travel joint venture, before tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1573" xlink:to="label1573" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DeconsolidationGainOrLossAmountBeforeTax" xlink:label="element1574" />
        <label xlink:type="resource" xlink:label="label1574" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xml:lang="en-US" id="Negated_axp_DeconsolidationGainOrLossAmountBeforeTax_en-US">Gain on business travel joint venture transaction</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1574" xlink:to="label1574" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DeconsolidationGainOrLossAmountAfterTax" xlink:label="element1575" />
        <label xlink:type="resource" xlink:label="label1575" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_DeconsolidationGainOrLossAmountAfterTax_en-US">Deconsolidation Gain or Loss Amount, After Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1575" xlink:to="label1575" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DeconsolidationGainOrLossAmountAfterTax" xlink:label="element1576" />
        <label xlink:type="resource" xlink:label="label1576" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_DeconsolidationGainOrLossAmountAfterTax_en-US">Deconsolidation gain amount, after tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1576" xlink:to="label1576" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DeconsolidationGainOrLossAmountAfterTax" xlink:label="element1577" />
        <label xlink:type="resource" xlink:label="label1577" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_DeconsolidationGainOrLossAmountAfterTax_en-US">Gain on business travel joint venture transaction, after tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1577" xlink:to="label1577" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SharesHeldInEquityInvestment" xlink:label="element1578" />
        <label xlink:type="resource" xlink:label="label1578" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_axp_SharesHeldInEquityInvestment_en-US">shares held in equity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1578" xlink:to="label1578" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SharesHeldInEquityInvestment" xlink:label="element1579" />
        <label xlink:type="resource" xlink:label="label1579" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xml:lang="en-US" id="verbose_axp_SharesHeldInEquityInvestment_en-US">Shares held in equity investment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1579" xlink:to="label1579" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SharesHeldInEquityInvestment" xlink:label="element1580" />
        <label xlink:type="resource" xlink:label="label1580" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_axp_SharesHeldInEquityInvestment_en-US">Shares held in ICBC investment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1580" xlink:to="label1580" />
    </labelLink>
</linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>12
<FILENAME>axp-20140930_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>
<!-- Prepared by IBM Cognos Disclosure Management XBRL Version: 10.2.3 Using Fujitsu -->
<!-- Validation status: Passed -->
<linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/instance http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" xmlns="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink">
    <roleRef roleURI="http://americanexpress.com/role/AccountsReceivableAndLoansDetails5" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAccountsReceivableAndLoansDetails5" />
    <roleRef roleURI="http://americanexpress.com/role/AccountsReceivableAndLoansDetails6" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAccountsReceivableAndLoansDetails6" />
    <roleRef roleURI="http://americanexpress.com/role/AccountsReceivableAndLoansDetails7" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAccountsReceivableAndLoansDetails7" />
    <roleRef roleURI="http://americanexpress.com/role/AssetSecuritizationsDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAssetSecuritizationsDetails" />
    <roleRef roleURI="http://americanexpress.com/role/AssetSecuritizationsDetailsTextuals" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAssetSecuritizationsDetailsTextuals" />
    <roleRef roleURI="http://americanexpress.com/role/AssetSecuritizationsTables" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAssetSecuritizationsTables" />
    <roleRef roleURI="http://americanexpress.com/role/ChangesInAccumulatedOtherComprehensiveLossIncome" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureChangesInAccumulatedOtherComprehensiveLossIncome" />
    <roleRef roleURI="http://americanexpress.com/role/ConsolidatedStatementsOfComprehensiveIncomeParenthetical" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_StatementConsolidatedStatementsOfComprehensiveIncomeParenthetical" />
    <roleRef roleURI="http://americanexpress.com/role/Contingencies" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureContingencies" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoans" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAccountsReceivableAndLoans" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_AccountsReceivableAndLoansDetails" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails1" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAccountsReceivableAndLoansDetails1" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails2" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAccountsReceivableAndLoansDetails2" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails3" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAccountsReceivableAndLoansDetails3" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails4" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAccountsReceivableAndLoansDetails4" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansTables" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAccountsReceivableAndLoansTables" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureAssetSecuritizations" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureAssetSecuritizations" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureChangesInAccumulatedOtherComprehensiveLossIncomeDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_ChangesInAccumulatedOtherComprehensiveLossIncomeDetails" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureChangesInAccumulatedOtherComprehensiveLossIncomeDetails1" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureChangesInAccumulatedOtherComprehensiveLossIncomeDetails1" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureChangesInAccumulatedOtherComprehensiveLossIncomeTables" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureChangesInAccumulatedOtherComprehensiveLossIncomeTables" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureContingenciesDetailsTextuals" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureContingenciesDetailsTextuals" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureCustomerDeposits" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureCustomerDeposits" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureCustomerDepositsDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureCustomerDepositsDetails" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureCustomerDepositsDetails1" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureCustomerDepositsDetails1" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureCustomerDepositsDetails2" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureCustomerDepositsDetails2" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureCustomerDepositsDetails3" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureCustomerDepositsDetails3" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureCustomerDepositsTables" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureCustomerDepositsTables" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivities" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureDerivativesAndHedgingActivities" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DerivativesAndHedgingActivitiesDetails" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetails1" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureDerivativesAndHedgingActivitiesDetails1" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetails2" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureDerivativesAndHedgingActivitiesDetails2" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetailsTextuals" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DerivativesAndHedgingActivitiesDetailsTextuals" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesTables" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureDerivativesAndHedgingActivitiesTables" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureDivestituresDetailsTextuals" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureDivestituresDetailsTextuals" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureEarningsPerCommonShareEPS" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureEarningsPerCommonShareEPS" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureEarningsPerCommonShareEPSDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureEarningsPerCommonShareEPSDetails" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureEarningsPerCommonShareEPSTables" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureEarningsPerCommonShareEPSTables" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureGuarantees" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureGuarantees" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureGuaranteesTables" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureGuaranteesTables" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureIncomeTaxes" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureIncomeTaxes" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureIncomeTaxesDetailsTextuals" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureIncomeTaxesDetailsTextuals" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureInvestmentSecurities" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureInvestmentSecurities" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureInvestmentSecuritiesDetails" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetails1" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureInvestmentSecuritiesDetails1" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetails2" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureInvestmentSecuritiesDetails2" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetailsTextuals" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureInvestmentSecuritiesDetailsTextuals" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureInvestmentSecuritiesTables" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureInvestmentSecuritiesTables" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureNonInterestRevenueAndExpenseDetailDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureNonInterestRevenueAndExpenseDetailDetails" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureNonInterestRevenueAndExpenseDetailDetails3" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureNonInterestRevenueAndExpenseDetailDetails3" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureReportableOperatingSegment" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureReportableOperatingSegment" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureReportableOperatingSegmentsAndGeographicOperationsDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureReportableOperatingSegmentsAndGeographicOperationsDetails" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureReportableOperatingSegmentTables" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureReportableOperatingSegmentTables" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureReservesForLosses" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureReservesForLosses" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureReservesForLossesDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_ReservesForLossesDetails" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureReservesForLossesDetails1" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureReservesForLossesDetails1" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureReservesForLossesDetails2" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_ReservesForLossesDetails2" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureReservesForLossesDetails3" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureReservesForLossesDetails3" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureReservesForLossesDetailsTextuals" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureReservesForLossesDetailsTextuals" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureReservesForLossesTables" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureReservesForLossesTables" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureSignificantAccountingPoliciesPolicies" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureSignificantAccountingPoliciesPolicies" />
    <roleRef roleURI="http://americanexpress.com/role/DisclosureSummaryOfSignificantAccountingPolicies" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureSummaryOfSignificantAccountingPolicies" />
    <roleRef roleURI="http://americanexpress.com/role/Divestitures" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureDivestitures" />
    <roleRef roleURI="http://americanexpress.com/role/DocumentDocumentAndEntityInformation" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DocumentDocumentAndEntityInformation" />
    <roleRef roleURI="http://americanexpress.com/role/FairValues" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureFairValues" />
    <roleRef roleURI="http://americanexpress.com/role/FairValuesDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureFairValuesDetails" />
    <roleRef roleURI="http://americanexpress.com/role/FairValuesDetails1" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureFairValuesDetails1" />
    <roleRef roleURI="http://americanexpress.com/role/FairValuesDetails2" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureFairValuesDetails2" />
    <roleRef roleURI="http://americanexpress.com/role/FairValuesDetailsTextuals" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureFairValuesDetailsTextuals" />
    <roleRef roleURI="http://americanexpress.com/role/FairValuesTables" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureFairValuesTables" />
    <roleRef roleURI="http://americanexpress.com/role/GuaranteesDetails" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureGuaranteesDetails" />
    <roleRef roleURI="http://americanexpress.com/role/InvestmentSecuritiesDetails3" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureInvestmentSecuritiesDetails3" />
    <roleRef roleURI="http://americanexpress.com/role/NonInterestRevenueAndExpenseDetail" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureNonInterestRevenueAndExpenseDetail" />
    <roleRef roleURI="http://americanexpress.com/role/NonInterestRevenueAndExpenseDetailDetails1" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureNonInterestRevenueAndExpenseDetailDetails1" />
    <roleRef roleURI="http://americanexpress.com/role/NonInterestRevenueAndExpenseDetailDetails2" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureNonInterestRevenueAndExpenseDetailDetails2" />
    <roleRef roleURI="http://americanexpress.com/role/NonInterestRevenueAndExpenseDetailTables" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_DisclosureNonInterestRevenueAndExpenseDetailTables" />
    <roleRef roleURI="http://americanexpress.com/role/StatementConsolidatedBalanceSheets" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_ConsolidatedBalanceSheets" />
    <roleRef roleURI="http://americanexpress.com/role/StatementConsolidatedBalanceSheetsParenthetical" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_StatementConsolidatedBalanceSheetsParenthetical" />
    <roleRef roleURI="http://americanexpress.com/role/StatementConsolidatedStatementsOfCashFlows" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_ConsolidatedStatementsOfCashFlows" />
    <roleRef roleURI="http://americanexpress.com/role/StatementConsolidatedStatementsOfCashFlowsParenthetical" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_StatementConsolidatedStatementsOfCashFlowsParenthetical" />
    <roleRef roleURI="http://americanexpress.com/role/StatementConsolidatedStatementsOfComprehensiveIncome" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_StatementConsolidatedStatementsOfComprehensiveIncome" />
    <roleRef roleURI="http://americanexpress.com/role/StatementConsolidatedStatementsOfIncome" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_ConsolidatedStatementsOfIncome" />
    <roleRef roleURI="http://americanexpress.com/role/StatementConsolidatedStatementsOfIncomeParenthetical" xlink:type="simple" xlink:href="axp-20140930.xsd#ELRID_StatementConsolidatedStatementsOfIncomeParenthetical" />
    <roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" />
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetailsTextuals">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentSecuritiesDetailsAbstract" xlink:label="Locator_axp_InvestmentSecuritiesDetailsAbstract_1" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MarketableSecuritiesRealizedGainLossOtherThanTemporaryImpairmentsAmount" xlink:label="Locator_us-gaap_MarketableSecuritiesRealizedGainLossOtherThanTemporaryImpairmentsAmount_2" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_InvestmentSecuritiesDetailsAbstract_1" xlink:to="Locator_us-gaap_MarketableSecuritiesRealizedGainLossOtherThanTemporaryImpairmentsAmount_2" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentSecuritiesDetailsAbstract" xlink:label="Locator_axp_InvestmentSecuritiesDetailsAbstract_3" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossRealizedGains" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesGrossRealizedGains_4" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_InvestmentSecuritiesDetailsAbstract_3" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesGrossRealizedGains_4" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentSecuritiesDetailsAbstract" xlink:label="Locator_axp_InvestmentSecuritiesDetailsAbstract_5" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses_6" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_InvestmentSecuritiesDetailsAbstract_5" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses_6" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/AssetSecuritizationsDetailsTextuals">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetSecuritizationsDetailsAbstract" xlink:label="Locator_axp_AssetSecuritizationsDetailsAbstract_33" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SecuritizedTrustsTable" xlink:label="Locator_axp_SecuritizedTrustsTable_34" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AssetSecuritizationsDetailsAbstract_33" xlink:to="Locator_axp_SecuritizedTrustsTable_34" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SecuritizedTrustsTable" xlink:label="Locator_axp_SecuritizedTrustsTable_35" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SecuritizedTrustsLineItems" xlink:label="Locator_axp_SecuritizedTrustsLineItems_36" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_SecuritizedTrustsTable_35" xlink:to="Locator_axp_SecuritizedTrustsLineItems_36" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SecuritizedTrustsLineItems" xlink:label="Locator_axp_SecuritizedTrustsLineItems_15" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SubordinatedSecuritiesOwned" xlink:label="Locator_axp_SubordinatedSecuritiesOwned_16" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_SecuritizedTrustsLineItems_15" xlink:to="Locator_axp_SubordinatedSecuritiesOwned_16" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SecuritizedTrustsTable" xlink:label="Locator_axp_SecuritizedTrustsTable_37" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:label="Locator_dei_LegalEntityAxis_38" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_SecuritizedTrustsTable_37" xlink:to="Locator_dei_LegalEntityAxis_38" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:label="Locator_dei_LegalEntityAxis_39" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:label="Locator_dei_EntityDomain_40" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_LegalEntityAxis_39" xlink:to="Locator_dei_EntityDomain_40" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:label="Locator_dei_EntityDomain_41" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AmericanExpressTravelRelatedServicesCompanyIncMember" xlink:label="Locator_axp_AmericanExpressTravelRelatedServicesCompanyIncMember_42" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_EntityDomain_41" xlink:to="Locator_axp_AmericanExpressTravelRelatedServicesCompanyIncMember_42" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:label="Locator_dei_EntityDomain_43" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AmericanExpressChargeTrustMember" xlink:label="Locator_axp_AmericanExpressChargeTrustMember_44" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_EntityDomain_43" xlink:to="Locator_axp_AmericanExpressChargeTrustMember_44" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:label="Locator_dei_EntityDomain_45" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AmericanExpressLendingTrustMember" xlink:label="Locator_axp_AmericanExpressLendingTrustMember_46" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_EntityDomain_45" xlink:to="Locator_axp_AmericanExpressLendingTrustMember_46" order="3.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureReportableOperatingSegmentsAndGeographicOperationsDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_85" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_86" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementBusinessSegmentsAxis_85" xlink:to="Locator_us-gaap_SegmentDomain_86" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_87" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateAndOtherMember" xlink:label="Locator_us-gaap_CorporateAndOtherMember_88" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_87" xlink:to="Locator_us-gaap_CorporateAndOtherMember_88" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_89" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GlobalCommercialServicesMember" xlink:label="Locator_axp_GlobalCommercialServicesMember_90" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_89" xlink:to="Locator_axp_GlobalCommercialServicesMember_90" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_91" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GlobalNetworkAndMerchantServicesMember" xlink:label="Locator_axp_GlobalNetworkAndMerchantServicesMember_92" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_91" xlink:to="Locator_axp_GlobalNetworkAndMerchantServicesMember_92" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_93" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_USCardServicesMember" xlink:label="Locator_axp_USCardServicesMember_94" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_93" xlink:to="Locator_axp_USCardServicesMember_94" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_95" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InternationalCardServicesMember" xlink:label="Locator_axp_InternationalCardServicesMember_96" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_95" xlink:to="Locator_axp_InternationalCardServicesMember_96" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReportableOperatingSegmentsAndGeographicOperationsDetailsAbstract" xlink:label="Locator_axp_ReportableOperatingSegmentsAndGeographicOperationsDetailsAbstract_83" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:label="Locator_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_84" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_ReportableOperatingSegmentsAndGeographicOperationsDetailsAbstract_83" xlink:to="Locator_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_84" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:label="Locator_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_97" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_98" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_97" xlink:to="Locator_us-gaap_SegmentReportingInformationLineItems_98" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_47" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="Locator_us-gaap_NoninterestIncome_48" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_47" xlink:to="Locator_us-gaap_NoninterestIncome_48" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_49" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:label="Locator_us-gaap_InterestAndDividendIncomeOperating_50" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_49" xlink:to="Locator_us-gaap_InterestAndDividendIncomeOperating_50" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_51" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpense" xlink:label="Locator_us-gaap_InterestExpense_52" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_51" xlink:to="Locator_us-gaap_InterestExpense_52" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_53" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TotalRevenuesNetOfInterestExpense" xlink:label="Locator_axp_TotalRevenuesNetOfInterestExpense_54" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_53" xlink:to="Locator_axp_TotalRevenuesNetOfInterestExpense_54" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="Locator_us-gaap_SegmentReportingInformationLineItems_55" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="Locator_us-gaap_NetIncomeLoss_56" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentReportingInformationLineItems_55" xlink:to="Locator_us-gaap_NetIncomeLoss_56" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:label="Locator_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_99" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_100" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_99" xlink:to="Locator_us-gaap_StatementBusinessSegmentsAxis_100" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureReportableOperatingSegmentTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingDisclosureOfEntitysReportableSegmentsAbstract" xlink:label="Locator_us-gaap_SegmentReportingDisclosureOfEntitysReportableSegmentsAbstract_101" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:label="Locator_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_102" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentReportingDisclosureOfEntitysReportableSegmentsAbstract_101" xlink:to="Locator_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_102" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureReportableOperatingSegment">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingAbstract" xlink:label="Locator_us-gaap_SegmentReportingAbstract_103" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingDisclosureTextBlock" xlink:label="Locator_us-gaap_SegmentReportingDisclosureTextBlock_104" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentReportingAbstract_103" xlink:to="Locator_us-gaap_SegmentReportingDisclosureTextBlock_104" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureIncomeTaxesDetailsTextuals">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncomeTaxesDetailsAbstract" xlink:label="Locator_axp_IncomeTaxesDetailsAbstract_105" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncomeTaxesTextualsAbstract" xlink:label="Locator_axp_IncomeTaxesTextualsAbstract_106" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_IncomeTaxesDetailsAbstract_105" xlink:to="Locator_axp_IncomeTaxesTextualsAbstract_106" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncomeTaxesTextualsAbstract" xlink:label="Locator_axp_IncomeTaxesTextualsAbstract_107" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleAmountOfUnrecordedBenefit" xlink:label="Locator_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleAmountOfUnrecordedBenefit_108" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_IncomeTaxesTextualsAbstract_107" xlink:to="Locator_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleAmountOfUnrecordedBenefit_108" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncomeTaxesTextualsAbstract" xlink:label="Locator_axp_IncomeTaxesTextualsAbstract_109" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleEquity" xlink:label="Locator_axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleEquity_110" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_IncomeTaxesTextualsAbstract_109" xlink:to="Locator_axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleEquity_110" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncomeTaxesTextualsAbstract" xlink:label="Locator_axp_IncomeTaxesTextualsAbstract_111" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleQuantifyImpactNotPossible" xlink:label="Locator_axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleQuantifyImpactNotPossible_112" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_IncomeTaxesTextualsAbstract_111" xlink:to="Locator_axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleQuantifyImpactNotPossible_112" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncomeTaxesTextualsAbstract" xlink:label="Locator_axp_IncomeTaxesTextualsAbstract_113" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:label="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperations_114" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_IncomeTaxesTextualsAbstract_113" xlink:to="Locator_us-gaap_EffectiveIncomeTaxRateContinuingOperations_114" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncomeTaxesTextualsAbstract" xlink:label="Locator_axp_IncomeTaxesTextualsAbstract_115" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance" xlink:label="Locator_us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance_116" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_IncomeTaxesTextualsAbstract_115" xlink:to="Locator_us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance_116" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncomeTaxesTextualsAbstract" xlink:label="Locator_axp_IncomeTaxesTextualsAbstract_117" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTemporaryDifferences" xlink:label="Locator_axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTemporaryDifferences_118" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_IncomeTaxesTextualsAbstract_117" xlink:to="Locator_axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTemporaryDifferences_118" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncomeTaxesDetailsAbstract" xlink:label="Locator_axp_IncomeTaxesDetailsAbstract_143" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxContingencyTable" xlink:label="Locator_us-gaap_IncomeTaxContingencyTable_144" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_IncomeTaxesDetailsAbstract_143" xlink:to="Locator_us-gaap_IncomeTaxContingencyTable_144" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxContingencyTable" xlink:label="Locator_us-gaap_IncomeTaxContingencyTable_145" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxContingencyLineItems" xlink:label="Locator_us-gaap_IncomeTaxContingencyLineItems_146" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxContingencyTable_145" xlink:to="Locator_us-gaap_IncomeTaxContingencyLineItems_146" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxContingencyLineItems" xlink:label="Locator_us-gaap_IncomeTaxContingencyLineItems_119" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OpenTaxYear" xlink:label="Locator_us-gaap_OpenTaxYear_120" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxContingencyLineItems_119" xlink:to="Locator_us-gaap_OpenTaxYear_120" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxContingencyTable" xlink:label="Locator_us-gaap_IncomeTaxContingencyTable_147" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxAuthorityAxis" xlink:label="Locator_us-gaap_IncomeTaxAuthorityAxis_148" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxContingencyTable_147" xlink:to="Locator_us-gaap_IncomeTaxAuthorityAxis_148" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxAuthorityAxis" xlink:label="Locator_us-gaap_IncomeTaxAuthorityAxis_149" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxAuthorityDomain" xlink:label="Locator_us-gaap_IncomeTaxAuthorityDomain_150" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxAuthorityAxis_149" xlink:to="Locator_us-gaap_IncomeTaxAuthorityDomain_150" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxAuthorityDomain" xlink:label="Locator_us-gaap_IncomeTaxAuthorityDomain_151" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalRevenueServiceIRSMember" xlink:label="Locator_us-gaap_InternalRevenueServiceIRSMember_152" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxAuthorityDomain_151" xlink:to="Locator_us-gaap_InternalRevenueServiceIRSMember_152" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxContingencyTable" xlink:label="Locator_us-gaap_IncomeTaxContingencyTable_153" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OpenTaxYearsAxis" xlink:label="Locator_axp_OpenTaxYearsAxis_154" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxContingencyTable_153" xlink:to="Locator_axp_OpenTaxYearsAxis_154" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OpenTaxYearsAxis" xlink:label="Locator_axp_OpenTaxYearsAxis_155" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OpenTaxYearsDomain" xlink:label="Locator_axp_OpenTaxYearsDomain_156" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_OpenTaxYearsAxis_155" xlink:to="Locator_axp_OpenTaxYearsDomain_156" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OpenTaxYearsDomain" xlink:label="Locator_axp_OpenTaxYearsDomain_157" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EarliestYearMember" xlink:label="Locator_axp_EarliestYearMember_158" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_OpenTaxYearsDomain_157" xlink:to="Locator_axp_EarliestYearMember_158" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OpenTaxYearsDomain" xlink:label="Locator_axp_OpenTaxYearsDomain_159" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LatestYearMember" xlink:label="Locator_axp_LatestYearMember_160" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_OpenTaxYearsDomain_159" xlink:to="Locator_axp_LatestYearMember_160" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails4">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansDetailsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansDetailsAbstract_225" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_226" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansDetailsAbstract_225" xlink:to="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_226" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_243" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ImpairedLoansByModificationTypeLineItems" xlink:label="Locator_axp_ImpairedLoansByModificationTypeLineItems_244" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_243" xlink:to="Locator_axp_ImpairedLoansByModificationTypeLineItems_244" order="3.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ImpairedLoansByModificationTypeLineItems" xlink:label="Locator_axp_ImpairedLoansByModificationTypeLineItems_161" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoanAndLeaseReceivablesImpairedAbstract" xlink:label="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_162" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_ImpairedLoansByModificationTypeLineItems_161" xlink:to="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_162" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoanAndLeaseReceivablesImpairedAbstract" xlink:label="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_163" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_164" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_163" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_164" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoanAndLeaseReceivablesImpairedAbstract" xlink:label="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_165" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest_166" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_165" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest_166" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoanAndLeaseReceivablesImpairedAbstract" xlink:label="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_167" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsRecordedInvestment" xlink:label="Locator_us-gaap_FinancingReceivableModificationsRecordedInvestment_168" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_167" xlink:to="Locator_us-gaap_FinancingReceivableModificationsRecordedInvestment_168" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoanAndLeaseReceivablesImpairedAbstract" xlink:label="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_169" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableRecordedInvestment_170" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_169" xlink:to="Locator_us-gaap_ImpairedFinancingReceivableRecordedInvestment_170" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoanAndLeaseReceivablesImpairedAbstract" xlink:label="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_171" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance" xlink:label="Locator_axp_LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance_172" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_171" xlink:to="Locator_axp_LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance_172" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoanAndLeaseReceivablesImpairedAbstract" xlink:label="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_173" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableRelatedAllowance_174" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoanAndLeaseReceivablesImpairedAbstract_173" xlink:to="Locator_us-gaap_ImpairedFinancingReceivableRelatedAllowance_174" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ImpairedLoansByModificationTypeLineItems" xlink:label="Locator_axp_ImpairedLoansByModificationTypeLineItems_175" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTextualsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_176" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_ImpairedLoansByModificationTypeLineItems_175" xlink:to="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_176" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTextualsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_177" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountNonAccrualStatus" xlink:label="Locator_axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountNonAccrualStatus_178" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_177" xlink:to="Locator_axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountNonAccrualStatus_178" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTextualsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_179" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountOverNinetyDaysAccrualOfInterest" xlink:label="Locator_axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountOverNinetyDaysAccrualOfInterest_180" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_179" xlink:to="Locator_axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountOverNinetyDaysAccrualOfInterest_180" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_227" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_228" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_227" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_228" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_229" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_230" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_229" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_230" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_231" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansMember" xlink:label="Locator_axp_CardmemberLoansMember_232" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_231" xlink:to="Locator_axp_CardmemberLoansMember_232" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_233" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberReceivablesMember" xlink:label="Locator_axp_CardmemberReceivablesMember_234" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_233" xlink:to="Locator_axp_CardmemberReceivablesMember_234" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_235" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_236" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_235" xlink:to="Locator_us-gaap_StatementBusinessSegmentsAxis_236" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_237" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_238" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementBusinessSegmentsAxis_237" xlink:to="Locator_us-gaap_SegmentDomain_238" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_239" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_USCardServicesMember" xlink:label="Locator_axp_USCardServicesMember_240" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_239" xlink:to="Locator_axp_USCardServicesMember_240" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_241" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InternationalCardServicesMember" xlink:label="Locator_axp_InternationalCardServicesMember_242" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_241" xlink:to="Locator_axp_InternationalCardServicesMember_242" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails3">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansDetailsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansDetailsAbstract_289" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_290" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansDetailsAbstract_289" xlink:to="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_290" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_293" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_294" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_293" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_294" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_295" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_296" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_295" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_296" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_297" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansMember" xlink:label="Locator_axp_CardmemberLoansMember_298" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_297" xlink:to="Locator_axp_CardmemberLoansMember_298" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_299" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberReceivablesMember" xlink:label="Locator_axp_CardmemberReceivablesMember_300" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_299" xlink:to="Locator_axp_CardmemberReceivablesMember_300" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_301" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_302" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_301" xlink:to="Locator_us-gaap_StatementBusinessSegmentsAxis_302" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_303" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_304" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementBusinessSegmentsAxis_303" xlink:to="Locator_us-gaap_SegmentDomain_304" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_305" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GlobalCommercialServicesMember" xlink:label="Locator_axp_GlobalCommercialServicesMember_306" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_305" xlink:to="Locator_axp_GlobalCommercialServicesMember_306" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_307" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_USCardServicesMember" xlink:label="Locator_axp_USCardServicesMember_308" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_307" xlink:to="Locator_axp_USCardServicesMember_308" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_309" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InternationalCardServicesMember" xlink:label="Locator_axp_InternationalCardServicesMember_310" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_309" xlink:to="Locator_axp_InternationalCardServicesMember_310" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_291" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_292" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_291" xlink:to="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_292" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_245" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditQualityIndicatorForLoansAndReceivablesAbstract" xlink:label="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_246" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_245" xlink:to="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_246" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditQualityIndicatorForLoansAndReceivablesAbstract" xlink:label="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_247" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetWriteOffRatePrincipal" xlink:label="Locator_axp_NetWriteOffRatePrincipal_248" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_247" xlink:to="Locator_axp_NetWriteOffRatePrincipal_248" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditQualityIndicatorForLoansAndReceivablesAbstract" xlink:label="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_249" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetWriteOffRatePrincipalInterestFees" xlink:label="Locator_axp_NetWriteOffRatePrincipalInterestFees_250" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_249" xlink:to="Locator_axp_NetWriteOffRatePrincipalInterestFees_250" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditQualityIndicatorForLoansAndReceivablesAbstract" xlink:label="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_251" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ThirtyDaysPastDueAsPercentageOfTotal" xlink:label="Locator_axp_ThirtyDaysPastDueAsPercentageOfTotal_252" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_251" xlink:to="Locator_axp_ThirtyDaysPastDueAsPercentageOfTotal_252" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditQualityIndicatorForLoansAndReceivablesAbstract" xlink:label="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_253" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetLossRatioAsPercentageOfChargeVolume" xlink:label="Locator_axp_NetLossRatioAsPercentageOfChargeVolume_254" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_253" xlink:to="Locator_axp_NetLossRatioAsPercentageOfChargeVolume_254" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditQualityIndicatorForLoansAndReceivablesAbstract" xlink:label="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_255" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NinetyDaysPastBillingAsPercentageOfReceivables" xlink:label="Locator_axp_NinetyDaysPastBillingAsPercentageOfReceivables_256" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract_255" xlink:to="Locator_axp_NinetyDaysPastBillingAsPercentageOfReceivables_256" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureReservesForLossesDetails2">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesForLossesDetailsAbstract" xlink:label="Locator_axp_ReservesForLossesDetailsAbstract_311" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesRollForward" xlink:label="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_312" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_ReservesForLossesDetailsAbstract_311" xlink:to="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_312" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesRollForward" xlink:label="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_315" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanAndLeaseLosses" xlink:label="Locator_us-gaap_ProvisionForLoanAndLeaseLosses_316" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_315" xlink:to="Locator_us-gaap_ProvisionForLoanAndLeaseLosses_316" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesRollForward" xlink:label="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_317" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsPrincipal" xlink:label="Locator_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsPrincipal_318" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_317" xlink:to="Locator_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsPrincipal_318" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesRollForward" xlink:label="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_319" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsInterestAndFees" xlink:label="Locator_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsInterestAndFees_320" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_319" xlink:to="Locator_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsInterestAndFees_320" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesRollForward" xlink:label="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_321" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther" xlink:label="Locator_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther_322" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_321" xlink:to="Locator_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther_322" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesRollForward" xlink:label="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_313" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableAllowance_314" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_313" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableAllowance_314" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesRollForward" xlink:label="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_323" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableAllowance_324" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_323" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableAllowance_324" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureReservesForLossesDetails">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesForLossesDetailsAbstract" xlink:label="Locator_axp_ReservesForLossesDetailsAbstract_325" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableReserveRollForwardAbstract" xlink:label="Locator_axp_AccountsReceivableReserveRollForwardAbstract_326" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_ReservesForLossesDetailsAbstract_325" xlink:to="Locator_axp_AccountsReceivableReserveRollForwardAbstract_326" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableReserveRollForwardAbstract" xlink:label="Locator_axp_AccountsReceivableReserveRollForwardAbstract_329" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForDoubtfulAccounts" xlink:label="Locator_us-gaap_ProvisionForDoubtfulAccounts_330" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableReserveRollForwardAbstract_329" xlink:to="Locator_us-gaap_ProvisionForDoubtfulAccounts_330" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableReserveRollForwardAbstract" xlink:label="Locator_axp_AccountsReceivableReserveRollForwardAbstract_331" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsPrincipalAndFees" xlink:label="Locator_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsPrincipalAndFees_332" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableReserveRollForwardAbstract_331" xlink:to="Locator_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsPrincipalAndFees_332" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableReserveRollForwardAbstract" xlink:label="Locator_axp_AccountsReceivableReserveRollForwardAbstract_333" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther" xlink:label="Locator_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther_334" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableReserveRollForwardAbstract_333" xlink:to="Locator_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther_334" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableReserveRollForwardAbstract" xlink:label="Locator_axp_AccountsReceivableReserveRollForwardAbstract_327" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForDoubtfulAccountsReceivable" xlink:label="Locator_us-gaap_AllowanceForDoubtfulAccountsReceivable_328" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableReserveRollForwardAbstract_327" xlink:to="Locator_us-gaap_AllowanceForDoubtfulAccountsReceivable_328" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableReserveRollForwardAbstract" xlink:label="Locator_axp_AccountsReceivableReserveRollForwardAbstract_335" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForDoubtfulAccountsReceivable" xlink:label="Locator_us-gaap_AllowanceForDoubtfulAccountsReceivable_336" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableReserveRollForwardAbstract_335" xlink:to="Locator_us-gaap_AllowanceForDoubtfulAccountsReceivable_336" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureReservesForLossesTables">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesForLossesTablesAbstract" xlink:label="Locator_axp_ReservesForLossesTablesAbstract_337" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock" xlink:label="Locator_us-gaap_ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock_338" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_ReservesForLossesTablesAbstract_337" xlink:to="Locator_us-gaap_ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock_338" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesForLossesTablesAbstract" xlink:label="Locator_axp_ReservesForLossesTablesAbstract_339" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock" xlink:label="Locator_axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock_340" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_ReservesForLossesTablesAbstract_339" xlink:to="Locator_axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock_340" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesForLossesTablesAbstract" xlink:label="Locator_axp_ReservesForLossesTablesAbstract_341" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansReservesRollforwardTextBlock" xlink:label="Locator_axp_CardmemberLoansReservesRollforwardTextBlock_342" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_ReservesForLossesTablesAbstract_341" xlink:to="Locator_axp_CardmemberLoansReservesRollforwardTextBlock_342" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesForLossesTablesAbstract" xlink:label="Locator_axp_ReservesForLossesTablesAbstract_343" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock" xlink:label="Locator_axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock_344" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_ReservesForLossesTablesAbstract_343" xlink:to="Locator_axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock_344" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureReservesForLosses">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesForLossesCardmemberReceivablesAndLoansDisclosureAbstract" xlink:label="Locator_axp_ReservesForLossesCardmemberReceivablesAndLoansDisclosureAbstract_345" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForCreditLossesTextBlock" xlink:label="Locator_us-gaap_AllowanceForCreditLossesTextBlock_346" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_ReservesForLossesCardmemberReceivablesAndLoansDisclosureAbstract_345" xlink:to="Locator_us-gaap_AllowanceForCreditLossesTextBlock_346" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails2">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansDetailsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansDetailsAbstract_401" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_402" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansDetailsAbstract_401" xlink:to="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_402" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_405" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_406" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_405" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_406" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_407" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_408" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_407" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_408" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_409" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansMember" xlink:label="Locator_axp_CardmemberLoansMember_410" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_409" xlink:to="Locator_axp_CardmemberLoansMember_410" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_411" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberReceivablesMember" xlink:label="Locator_axp_CardmemberReceivablesMember_412" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_411" xlink:to="Locator_axp_CardmemberReceivablesMember_412" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_413" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_414" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_413" xlink:to="Locator_us-gaap_StatementBusinessSegmentsAxis_414" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_415" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_416" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementBusinessSegmentsAxis_415" xlink:to="Locator_us-gaap_SegmentDomain_416" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_417" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GlobalCommercialServicesMember" xlink:label="Locator_axp_GlobalCommercialServicesMember_418" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_417" xlink:to="Locator_axp_GlobalCommercialServicesMember_418" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_419" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_USCardServicesMember" xlink:label="Locator_axp_USCardServicesMember_420" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_419" xlink:to="Locator_axp_USCardServicesMember_420" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_421" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InternationalCardServicesMember" xlink:label="Locator_axp_InternationalCardServicesMember_422" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_421" xlink:to="Locator_axp_InternationalCardServicesMember_422" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_403" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_404" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_403" xlink:to="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_404" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_347" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_348" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_347" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_348" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_349" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancingReceivableRecordedInvestmentsCurrent" xlink:label="Locator_axp_FinancingReceivableRecordedInvestmentsCurrent_350" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_349" xlink:to="Locator_axp_FinancingReceivableRecordedInvestmentsCurrent_350" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_351" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue_352" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_351" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue_352" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_353" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue_354" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_353" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue_354" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_355" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue_356" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_355" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue_356" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_357" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue" xlink:label="Locator_axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue_358" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_357" xlink:to="Locator_axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue_358" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails1">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:label="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_493" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:label="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_494" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_493" xlink:to="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_494" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:label="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_495" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:label="Locator_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_496" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_495" xlink:to="Locator_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_496" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTextualsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_423" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GrossLoansAvailableToSettleObligationsOfConsolidatedVariableInterestEntity" xlink:label="Locator_axp_GrossLoansAvailableToSettleObligationsOfConsolidatedVariableInterestEntity_424" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_423" xlink:to="Locator_axp_GrossLoansAvailableToSettleObligationsOfConsolidatedVariableInterestEntity_424" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTextualsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_425" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableOtherAllowance" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableOtherAllowance_426" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_425" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableOtherAllowance_426" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_481" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_482" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_481" xlink:to="Locator_us-gaap_StatementBusinessSegmentsAxis_482" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_483" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_484" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementBusinessSegmentsAxis_483" xlink:to="Locator_us-gaap_SegmentDomain_484" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_485" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GlobalCommercialServicesMember" xlink:label="Locator_axp_GlobalCommercialServicesMember_486" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_485" xlink:to="Locator_axp_GlobalCommercialServicesMember_486" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_487" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_USCardServicesMember" xlink:label="Locator_axp_USCardServicesMember_488" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_487" xlink:to="Locator_axp_USCardServicesMember_488" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_489" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InternationalCardServicesMember" xlink:label="Locator_axp_InternationalCardServicesMember_490" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_489" xlink:to="Locator_axp_InternationalCardServicesMember_490" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_491" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:label="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_492" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_491" xlink:to="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_492" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_479" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_480" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_479" xlink:to="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_480" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_427" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndLeasesReceivablesDisclosureAbstract" xlink:label="Locator_axp_LoansAndLeasesReceivablesDisclosureAbstract_428" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_427" xlink:to="Locator_axp_LoansAndLeasesReceivablesDisclosureAbstract_428" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndLeasesReceivablesDisclosureAbstract" xlink:label="Locator_axp_LoansAndLeasesReceivablesDisclosureAbstract_429" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard_430" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_LoansAndLeasesReceivablesDisclosureAbstract_429" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard_430" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndLeasesReceivablesDisclosureAbstract" xlink:label="Locator_axp_LoansAndLeasesReceivablesDisclosureAbstract_431" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableAllowance_432" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_LoansAndLeasesReceivablesDisclosureAbstract_431" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableAllowance_432" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndLeasesReceivablesDisclosureAbstract" xlink:label="Locator_axp_LoansAndLeasesReceivablesDisclosureAbstract_433" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmount_434" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_LoansAndLeasesReceivablesDisclosureAbstract_433" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmount_434" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndLeasesReceivablesDisclosureAbstract" xlink:label="Locator_axp_LoansAndLeasesReceivablesDisclosureAbstract_435" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountOther" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountOther_436" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_LoansAndLeasesReceivablesDisclosureAbstract_435" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountOther_436" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_437" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTextualsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_438" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_437" xlink:to="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_438" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansAndLeasesReceivableSegmentAbstract" xlink:label="Locator_axp_LoansAndLeasesReceivableSegmentAbstract_477" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_478" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_LoansAndLeasesReceivableSegmentAbstract_477" xlink:to="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_478" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:label="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_605" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:label="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_606" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_605" xlink:to="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_606" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:label="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_607" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:label="Locator_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_608" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_607" xlink:to="Locator_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_608" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementGeographicalAxis" xlink:label="Locator_us-gaap_StatementGeographicalAxis_601" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentGeographicalDomain" xlink:label="Locator_us-gaap_SegmentGeographicalDomain_602" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementGeographicalAxis_601" xlink:to="Locator_us-gaap_SegmentGeographicalDomain_602" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentGeographicalDomain" xlink:label="Locator_us-gaap_SegmentGeographicalDomain_603" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NonUnitedStatesMember" xlink:label="Locator_axp_NonUnitedStatesMember_604" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentGeographicalDomain_603" xlink:to="Locator_axp_NonUnitedStatesMember_604" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansDetailsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansDetailsAbstract_515" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_516" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansDetailsAbstract_515" xlink:to="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_516" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTextualsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_497" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GrossReceivablesAvailableToSettleObligationsOfConsolidatedVariableInterestEntity" xlink:label="Locator_axp_GrossReceivablesAvailableToSettleObligationsOfConsolidatedVariableInterestEntity_498" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_497" xlink:to="Locator_axp_GrossReceivablesAvailableToSettleObligationsOfConsolidatedVariableInterestEntity_498" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTextualsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_499" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherReceivablesReserves" xlink:label="Locator_axp_OtherReceivablesReserves_500" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_499" xlink:to="Locator_axp_OtherReceivablesReserves_500" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_581" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_582" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_581" xlink:to="Locator_us-gaap_StatementBusinessSegmentsAxis_582" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_591" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_592" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementBusinessSegmentsAxis_591" xlink:to="Locator_us-gaap_SegmentDomain_592" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_597" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GlobalCommercialServicesMember" xlink:label="Locator_axp_GlobalCommercialServicesMember_598" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_597" xlink:to="Locator_axp_GlobalCommercialServicesMember_598" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_599" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GlobalNetworkAndMerchantServicesMember" xlink:label="Locator_axp_GlobalNetworkAndMerchantServicesMember_600" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_599" xlink:to="Locator_axp_GlobalNetworkAndMerchantServicesMember_600" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_593" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_USCardServicesMember" xlink:label="Locator_axp_USCardServicesMember_594" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_593" xlink:to="Locator_axp_USCardServicesMember_594" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_595" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InternationalCardServicesMember" xlink:label="Locator_axp_InternationalCardServicesMember_596" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_595" xlink:to="Locator_axp_InternationalCardServicesMember_596" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_583" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementGeographicalAxis" xlink:label="Locator_us-gaap_StatementGeographicalAxis_584" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_583" xlink:to="Locator_us-gaap_StatementGeographicalAxis_584" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_585" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:label="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_586" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_585" xlink:to="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_586" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_587" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_588" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_587" xlink:to="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_588" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_609" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IndustryOfCounterpartyDomain" xlink:label="Locator_us-gaap_IndustryOfCounterpartyDomain_610" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_609" xlink:to="Locator_us-gaap_IndustryOfCounterpartyDomain_610" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IndustryOfCounterpartyDomain" xlink:label="Locator_us-gaap_IndustryOfCounterpartyDomain_611" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AirlineMember" xlink:label="Locator_axp_AirlineMember_612" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IndustryOfCounterpartyDomain_611" xlink:to="Locator_axp_AirlineMember_612" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_589" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_590" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_589" xlink:to="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_590" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_613" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CounterpartyNamesDomain" xlink:label="Locator_axp_CounterpartyNamesDomain_614" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_613" xlink:to="Locator_axp_CounterpartyNamesDomain_614" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CounterpartyNamesDomain" xlink:label="Locator_axp_CounterpartyNamesDomain_615" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DeltaMember" xlink:label="Locator_axp_DeltaMember_616" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CounterpartyNamesDomain_615" xlink:to="Locator_axp_DeltaMember_616" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_579" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_580" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_579" xlink:to="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_580" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_501" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableSegmentAbstract" xlink:label="Locator_axp_AccountsReceivableSegmentAbstract_502" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_501" xlink:to="Locator_axp_AccountsReceivableSegmentAbstract_502" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableSegmentAbstract" xlink:label="Locator_axp_AccountsReceivableSegmentAbstract_507" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NotesReceivableGross" xlink:label="Locator_us-gaap_NotesReceivableGross_508" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableSegmentAbstract_507" xlink:to="Locator_us-gaap_NotesReceivableGross_508" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableSegmentAbstract" xlink:label="Locator_axp_AccountsReceivableSegmentAbstract_509" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForDoubtfulAccountsReceivable" xlink:label="Locator_us-gaap_AllowanceForDoubtfulAccountsReceivable_510" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableSegmentAbstract_509" xlink:to="Locator_us-gaap_AllowanceForDoubtfulAccountsReceivable_510" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableSegmentAbstract" xlink:label="Locator_axp_AccountsReceivableSegmentAbstract_511" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNet" xlink:label="Locator_us-gaap_AccountsReceivableNet_512" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableSegmentAbstract_511" xlink:to="Locator_us-gaap_AccountsReceivableNet_512" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableSegmentAbstract" xlink:label="Locator_axp_AccountsReceivableSegmentAbstract_513" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherReceivables" xlink:label="Locator_us-gaap_OtherReceivables_514" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableSegmentAbstract_513" xlink:to="Locator_us-gaap_OtherReceivables_514" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_503" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTextualsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_504" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_503" xlink:to="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_504" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansTables">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTablesAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTablesAbstract_617" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_618" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansTablesAbstract_617" xlink:to="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_618" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTablesAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTablesAbstract_619" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ScheduleOfLoansAndFinancingReceivableTableTextBlock" xlink:label="Locator_axp_ScheduleOfLoansAndFinancingReceivableTableTextBlock_620" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansTablesAbstract_619" xlink:to="Locator_axp_ScheduleOfLoansAndFinancingReceivableTableTextBlock_620" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTablesAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTablesAbstract_621" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CurrentAndPastDueFinancingReceivablesTableTextBlock" xlink:label="Locator_axp_CurrentAndPastDueFinancingReceivablesTableTextBlock_622" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansTablesAbstract_621" xlink:to="Locator_axp_CurrentAndPastDueFinancingReceivablesTableTextBlock_622" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTablesAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTablesAbstract_623" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:label="Locator_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_624" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansTablesAbstract_623" xlink:to="Locator_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_624" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTablesAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTablesAbstract_625" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivablesTableTextBlock" xlink:label="Locator_us-gaap_ImpairedFinancingReceivablesTableTextBlock_626" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansTablesAbstract_625" xlink:to="Locator_us-gaap_ImpairedFinancingReceivablesTableTextBlock_626" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTablesAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTablesAbstract_627" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancingReceivableInterestIncomeAndAverageBalanceTableTextBlock" xlink:label="Locator_axp_FinancingReceivableInterestIncomeAndAverageBalanceTableTextBlock_628" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansTablesAbstract_627" xlink:to="Locator_axp_FinancingReceivableInterestIncomeAndAverageBalanceTableTextBlock_628" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTablesAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTablesAbstract_629" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" xlink:label="Locator_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_630" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansTablesAbstract_629" xlink:to="Locator_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_630" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTablesAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTablesAbstract_631" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TroubledDebtRestructuringsOnFinancingReceivablesWithSubsequentDefaultTableTextBlock" xlink:label="Locator_axp_TroubledDebtRestructuringsOnFinancingReceivablesWithSubsequentDefaultTableTextBlock_632" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansTablesAbstract_631" xlink:to="Locator_axp_TroubledDebtRestructuringsOnFinancingReceivablesWithSubsequentDefaultTableTextBlock_632" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureNonInterestRevenueAndExpenseDetailDetails3">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_633" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProfessionalServices" xlink:label="Locator_axp_ProfessionalServices_634" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_633" xlink:to="Locator_axp_ProfessionalServices_634" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_635" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OccupancyNet" xlink:label="Locator_us-gaap_OccupancyNet_636" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_635" xlink:to="Locator_us-gaap_OccupancyNet_636" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_637" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardRelatedFraudLosses" xlink:label="Locator_axp_CardRelatedFraudLosses_638" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_637" xlink:to="Locator_axp_CardRelatedFraudLosses_638" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_639" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_Communications" xlink:label="Locator_axp_Communications_640" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_639" xlink:to="Locator_axp_Communications_640" order="4.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_641" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DeconsolidationGainOrLossAmountBeforeTax" xlink:label="Locator_axp_DeconsolidationGainOrLossAmountBeforeTax_642" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_641" xlink:to="Locator_axp_DeconsolidationGainOrLossAmountBeforeTax_642" order="5.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_643" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherNetExpenses" xlink:label="Locator_axp_OtherNetExpenses_644" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_643" xlink:to="Locator_axp_OtherNetExpenses_644" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_645" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="Locator_us-gaap_OtherNoninterestExpense_646" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_645" xlink:to="Locator_us-gaap_OtherNoninterestExpense_646" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/NonInterestRevenueAndExpenseDetailDetails2">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_659" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarketingAndPromotion" xlink:label="Locator_axp_MarketingAndPromotion_660" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_659" xlink:to="Locator_axp_MarketingAndPromotion_660" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_661" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberRewards" xlink:label="Locator_axp_CardmemberRewards_662" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_661" xlink:to="Locator_axp_CardmemberRewards_662" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_663" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberServices" xlink:label="Locator_axp_CardmemberServices_664" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_663" xlink:to="Locator_axp_CardmemberServices_664" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_665" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarketingPromotionRewardsAndCardmemberServices" xlink:label="Locator_axp_MarketingPromotionRewardsAndCardmemberServices_666" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_665" xlink:to="Locator_axp_MarketingPromotionRewardsAndCardmemberServices_666" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/NonInterestRevenueAndExpenseDetailDetails1">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_673" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GlobalNetworkServicesPartnerRevenues" xlink:label="Locator_axp_GlobalNetworkServicesPartnerRevenues_674" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_673" xlink:to="Locator_axp_GlobalNetworkServicesPartnerRevenues_674" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_675" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TravelersChequesRelatedRevenue" xlink:label="Locator_axp_TravelersChequesRelatedRevenue_676" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_675" xlink:to="Locator_axp_TravelersChequesRelatedRevenue_676" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_677" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossNet" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossNet_678" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_677" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossNet_678" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_679" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherRevenues" xlink:label="Locator_axp_OtherRevenues_680" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_679" xlink:to="Locator_axp_OtherRevenues_680" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_681" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:label="Locator_us-gaap_NoninterestIncomeOtherOperatingIncome_682" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_681" xlink:to="Locator_us-gaap_NoninterestIncomeOtherOperatingIncome_682" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetailsTextuals">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementBasisAxis" xlink:label="Locator_us-gaap_FairValueByMeasurementBasisAxis_817" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:label="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_818" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueByMeasurementBasisAxis_817" xlink:to="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_818" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:label="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_819" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:label="Locator_us-gaap_EstimateOfFairValueFairValueDisclosureMember_820" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_819" xlink:to="Locator_us-gaap_EstimateOfFairValueFairValueDisclosureMember_820" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesDetailsAbstract" xlink:label="Locator_axp_DerivativesAndHedgingActivitiesDetailsAbstract_691" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesTextualsAbstract" xlink:label="Locator_axp_DerivativesAndHedgingActivitiesTextualsAbstract_692" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DerivativesAndHedgingActivitiesDetailsAbstract_691" xlink:to="Locator_axp_DerivativesAndHedgingActivitiesTextualsAbstract_692" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesTextualsAbstract" xlink:label="Locator_axp_DerivativesAndHedgingActivitiesTextualsAbstract_695" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges" xlink:label="Locator_axp_NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges_696" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DerivativesAndHedgingActivitiesTextualsAbstract_695" xlink:to="Locator_axp_NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges_696" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesTextualsAbstract" xlink:label="Locator_axp_DerivativesAndHedgingActivitiesTextualsAbstract_697" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths" xlink:label="Locator_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths_698" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DerivativesAndHedgingActivitiesTextualsAbstract_697" xlink:to="Locator_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths_698" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesTextualsAbstract" xlink:label="Locator_axp_DerivativesAndHedgingActivitiesTextualsAbstract_699" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativeFairValueOfDerivativeAssetNotOffsetAgainstCollateral" xlink:label="Locator_axp_DerivativeFairValueOfDerivativeAssetNotOffsetAgainstCollateral_700" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DerivativesAndHedgingActivitiesTextualsAbstract_699" xlink:to="Locator_axp_DerivativeFairValueOfDerivativeAssetNotOffsetAgainstCollateral_700" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesTextualsAbstract" xlink:label="Locator_axp_DerivativesAndHedgingActivitiesTextualsAbstract_701" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativeFairValueOfDerivativeLiabilityNotOffsetAgainstCollateral" xlink:label="Locator_axp_DerivativeFairValueOfDerivativeLiabilityNotOffsetAgainstCollateral_702" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DerivativesAndHedgingActivitiesTextualsAbstract_701" xlink:to="Locator_axp_DerivativeFairValueOfDerivativeLiabilityNotOffsetAgainstCollateral_702" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesTextualsAbstract" xlink:label="Locator_axp_DerivativesAndHedgingActivitiesTextualsAbstract_703" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SharesHeldInEquityInvestmentSold" xlink:label="Locator_axp_SharesHeldInEquityInvestmentSold_704" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DerivativesAndHedgingActivitiesTextualsAbstract_703" xlink:to="Locator_axp_SharesHeldInEquityInvestmentSold_704" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesTextualsAbstract" xlink:label="Locator_axp_DerivativesAndHedgingActivitiesTextualsAbstract_705" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarginOnInterestRateSwapNotNetted" xlink:label="Locator_axp_MarginOnInterestRateSwapNotNetted_706" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DerivativesAndHedgingActivitiesTextualsAbstract_705" xlink:to="Locator_axp_MarginOnInterestRateSwapNotNetted_706" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesTextualsAbstract" xlink:label="Locator_axp_DerivativesAndHedgingActivitiesTextualsAbstract_707" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SharesHeldInEquityInvestment" xlink:label="Locator_axp_SharesHeldInEquityInvestment_708" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DerivativesAndHedgingActivitiesTextualsAbstract_707" xlink:to="Locator_axp_SharesHeldInEquityInvestment_708" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_709" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeAmountOfHedgedItem" xlink:label="Locator_us-gaap_DerivativeAmountOfHedgedItem_710" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeLineItems_709" xlink:to="Locator_us-gaap_DerivativeAmountOfHedgedItem_710" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_711" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesEquitySecurities" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesEquitySecurities_712" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeLineItems_711" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesEquitySecurities_712" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_713" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax" xlink:label="Locator_axp_EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax_714" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeLineItems_713" xlink:to="Locator_axp_EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax_714" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_715" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged" xlink:label="Locator_us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged_716" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeLineItems_715" xlink:to="Locator_us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged_716" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_719" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet_720" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeLineItems_719" xlink:to="Locator_us-gaap_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet_720" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_721" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossRecognizedInIncomeIneffectivePortionAndAmountExcludedFromEffectivenessTestingNet" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossRecognizedInIncomeIneffectivePortionAndAmountExcludedFromEffectivenessTestingNet_722" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeLineItems_721" xlink:to="Locator_us-gaap_DerivativeInstrumentsGainLossRecognizedInIncomeIneffectivePortionAndAmountExcludedFromEffectivenessTestingNet_722" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_717" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeAssets" xlink:label="Locator_us-gaap_DerivativeAssets_718" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeLineItems_717" xlink:to="Locator_us-gaap_DerivativeAssets_718" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationAxis" xlink:label="Locator_us-gaap_IncomeStatementLocationAxis_825" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_826" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementLocationAxis_825" xlink:to="Locator_us-gaap_IncomeStatementLocationDomain_826" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_827" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseMember" xlink:label="Locator_us-gaap_InterestExpenseMember_828" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementLocationDomain_827" xlink:to="Locator_us-gaap_InterestExpenseMember_828" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_829" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherExpenseMember" xlink:label="Locator_us-gaap_OtherExpenseMember_830" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementLocationDomain_829" xlink:to="Locator_us-gaap_OtherExpenseMember_830" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_803" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_804" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentRiskAxis_803" xlink:to="Locator_us-gaap_DerivativeContractTypeDomain_804" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_805" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueHedgingMember" xlink:label="Locator_us-gaap_FairValueHedgingMember_806" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_805" xlink:to="Locator_us-gaap_FairValueHedgingMember_806" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_807" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashFlowHedgingMember" xlink:label="Locator_us-gaap_CashFlowHedgingMember_808" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_807" xlink:to="Locator_us-gaap_CashFlowHedgingMember_808" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_809" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetInvestmentHedgingMember" xlink:label="Locator_us-gaap_NetInvestmentHedgingMember_810" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_809" xlink:to="Locator_us-gaap_NetInvestmentHedgingMember_810" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_811" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditValuationAdjustmentMember" xlink:label="Locator_axp_CreditValuationAdjustmentMember_812" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_811" xlink:to="Locator_axp_CreditValuationAdjustmentMember_812" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_821" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingRelationshipDomain" xlink:label="Locator_us-gaap_HedgingRelationshipDomain_822" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_821" xlink:to="Locator_us-gaap_HedgingRelationshipDomain_822" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingRelationshipDomain" xlink:label="Locator_us-gaap_HedgingRelationshipDomain_823" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetInvestmentHedgingMember" xlink:label="Locator_us-gaap_NetInvestmentHedgingMember_824" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_HedgingRelationshipDomain_823" xlink:to="Locator_us-gaap_NetInvestmentHedgingMember_824" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesDetailsAbstract" xlink:label="Locator_axp_DerivativesAndHedgingActivitiesDetailsAbstract_693" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_694" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DerivativesAndHedgingActivitiesDetailsAbstract_693" xlink:to="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_694" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_789" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_790" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_789" xlink:to="Locator_us-gaap_DerivativeLineItems_790" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_793" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:label="Locator_us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_794" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_793" xlink:to="Locator_us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_794" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:label="Locator_us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_813" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvesteeNameDomain" xlink:label="Locator_us-gaap_EquityMethodInvesteeNameDomain_814" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_813" xlink:to="Locator_us-gaap_EquityMethodInvesteeNameDomain_814" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvesteeNameDomain" xlink:label="Locator_us-gaap_EquityMethodInvesteeNameDomain_815" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IcbcMember" xlink:label="Locator_axp_IcbcMember_816" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityMethodInvesteeNameDomain_815" xlink:to="Locator_axp_IcbcMember_816" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_795" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementBasisAxis" xlink:label="Locator_us-gaap_FairValueByMeasurementBasisAxis_796" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_795" xlink:to="Locator_us-gaap_FairValueByMeasurementBasisAxis_796" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_799" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationAxis" xlink:label="Locator_us-gaap_IncomeStatementLocationAxis_800" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_799" xlink:to="Locator_us-gaap_IncomeStatementLocationAxis_800" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_801" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeByNatureAxis" xlink:label="Locator_us-gaap_DerivativeByNatureAxis_802" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_801" xlink:to="Locator_us-gaap_DerivativeByNatureAxis_802" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeByNatureAxis" xlink:label="Locator_us-gaap_DerivativeByNatureAxis_831" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeNameDomain" xlink:label="Locator_us-gaap_DerivativeNameDomain_832" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeByNatureAxis_831" xlink:to="Locator_us-gaap_DerivativeNameDomain_832" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeNameDomain" xlink:label="Locator_us-gaap_DerivativeNameDomain_833" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NotSoldOrRepledgedMember" xlink:label="Locator_axp_NotSoldOrRepledgedMember_834" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeNameDomain_833" xlink:to="Locator_axp_NotSoldOrRepledgedMember_834" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeNameDomain" xlink:label="Locator_us-gaap_DerivativeNameDomain_835" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RiskExposureLowMember" xlink:label="Locator_axp_RiskExposureLowMember_836" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeNameDomain_835" xlink:to="Locator_axp_RiskExposureLowMember_836" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_797" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_798" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_797" xlink:to="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_798" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_791" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_792" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_791" xlink:to="Locator_us-gaap_DerivativeInstrumentRiskAxis_792" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetails2">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesDetailsAbstract" xlink:label="Locator_axp_DerivativesAndHedgingActivitiesDetailsAbstract_891" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_892" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DerivativesAndHedgingActivitiesDetailsAbstract_891" xlink:to="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_892" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_907" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfDebtAxis" xlink:label="Locator_axp_TypeOfDebtAxis_908" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_907" xlink:to="Locator_axp_TypeOfDebtAxis_908" order="3.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfDebtAxis" xlink:label="Locator_axp_TypeOfDebtAxis_909" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfDebtDomain" xlink:label="Locator_axp_TypeOfDebtDomain_910" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_TypeOfDebtAxis_909" xlink:to="Locator_axp_TypeOfDebtDomain_910" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfDebtDomain" xlink:label="Locator_axp_TypeOfDebtDomain_911" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtMember" xlink:label="Locator_us-gaap_ShortTermDebtMember_912" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_TypeOfDebtDomain_911" xlink:to="Locator_us-gaap_ShortTermDebtMember_912" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfDebtDomain" xlink:label="Locator_axp_TypeOfDebtDomain_913" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LongTermDebtMember" xlink:label="Locator_us-gaap_LongTermDebtMember_914" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_TypeOfDebtDomain_913" xlink:to="Locator_us-gaap_LongTermDebtMember_914" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_915" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="Locator_us-gaap_InvestmentTypeAxis_916" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_915" xlink:to="Locator_us-gaap_InvestmentTypeAxis_916" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="Locator_us-gaap_InvestmentTypeAxis_917" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentTypesDomain" xlink:label="Locator_axp_InvestmentTypesDomain_918" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentTypeAxis_917" xlink:to="Locator_axp_InvestmentTypesDomain_918" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentTypesDomain" xlink:label="Locator_axp_InvestmentTypesDomain_919" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SecuritiesInvestmentMember" xlink:label="Locator_us-gaap_SecuritiesInvestmentMember_920" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_InvestmentTypesDomain_919" xlink:to="Locator_us-gaap_SecuritiesInvestmentMember_920" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_921" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingDesignationAxis" xlink:label="Locator_us-gaap_HedgingDesignationAxis_922" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_921" xlink:to="Locator_us-gaap_HedgingDesignationAxis_922" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingDesignationAxis" xlink:label="Locator_us-gaap_HedgingDesignationAxis_901" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingDesignationDomain" xlink:label="Locator_us-gaap_HedgingDesignationDomain_902" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_HedgingDesignationAxis_901" xlink:to="Locator_us-gaap_HedgingDesignationDomain_902" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingDesignationDomain" xlink:label="Locator_us-gaap_HedgingDesignationDomain_903" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NondesignatedMember" xlink:label="Locator_us-gaap_NondesignatedMember_904" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_HedgingDesignationDomain_903" xlink:to="Locator_us-gaap_NondesignatedMember_904" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_905" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_906" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_905" xlink:to="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_906" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_837" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeGainLossOnDerivativeNet" xlink:label="Locator_us-gaap_DerivativeGainLossOnDerivativeNet_838" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_837" xlink:to="Locator_us-gaap_DerivativeGainLossOnDerivativeNet_838" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_923" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationAxis" xlink:label="Locator_us-gaap_IncomeStatementLocationAxis_924" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_923" xlink:to="Locator_us-gaap_IncomeStatementLocationAxis_924" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationAxis" xlink:label="Locator_us-gaap_IncomeStatementLocationAxis_925" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_926" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementLocationAxis_925" xlink:to="Locator_us-gaap_IncomeStatementLocationDomain_926" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_927" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseMember" xlink:label="Locator_us-gaap_InterestExpenseMember_928" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementLocationDomain_927" xlink:to="Locator_us-gaap_InterestExpenseMember_928" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_929" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeMember" xlink:label="Locator_us-gaap_InterestIncomeMember_930" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementLocationDomain_929" xlink:to="Locator_us-gaap_InterestIncomeMember_930" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_931" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CostOfCardMemberServicesMember" xlink:label="Locator_axp_CostOfCardMemberServicesMember_932" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementLocationDomain_931" xlink:to="Locator_axp_CostOfCardMemberServicesMember_932" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_933" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherExpenseMember" xlink:label="Locator_us-gaap_OtherExpenseMember_934" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementLocationDomain_933" xlink:to="Locator_us-gaap_OtherExpenseMember_934" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_935" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherIncomeMember" xlink:label="Locator_us-gaap_OtherIncomeMember_936" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementLocationDomain_935" xlink:to="Locator_us-gaap_OtherIncomeMember_936" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_937" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_938" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_937" xlink:to="Locator_us-gaap_DerivativeInstrumentRiskAxis_938" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_893" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_894" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentRiskAxis_893" xlink:to="Locator_us-gaap_DerivativeContractTypeDomain_894" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_895" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestRateContractMember" xlink:label="Locator_us-gaap_InterestRateContractMember_896" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_895" xlink:to="Locator_us-gaap_InterestRateContractMember_896" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_897" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ForeignExchangeContractMember" xlink:label="Locator_us-gaap_ForeignExchangeContractMember_898" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_897" xlink:to="Locator_us-gaap_ForeignExchangeContractMember_898" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_899" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityContractMember" xlink:label="Locator_us-gaap_EquityContractMember_900" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_899" xlink:to="Locator_us-gaap_EquityContractMember_900" order="3.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetails1">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesDetailsAbstract" xlink:label="Locator_axp_DerivativesAndHedgingActivitiesDetailsAbstract_981" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_982" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DerivativesAndHedgingActivitiesDetailsAbstract_981" xlink:to="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_982" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_993" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_994" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_993" xlink:to="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_994" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_939" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1" xlink:label="Locator_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1_940" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_939" xlink:to="Locator_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1_940" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_941" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1" xlink:label="Locator_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1_942" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_941" xlink:to="Locator_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1_942" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_943" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnFairValueHedgeIneffectivenessNet" xlink:label="Locator_us-gaap_GainLossOnFairValueHedgeIneffectivenessNet_944" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossLineItems_943" xlink:to="Locator_us-gaap_GainLossOnFairValueHedgeIneffectivenessNet_944" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_995" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationAxis" xlink:label="Locator_us-gaap_IncomeStatementLocationAxis_996" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_995" xlink:to="Locator_us-gaap_IncomeStatementLocationAxis_996" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationAxis" xlink:label="Locator_us-gaap_IncomeStatementLocationAxis_997" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_998" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementLocationAxis_997" xlink:to="Locator_us-gaap_IncomeStatementLocationDomain_998" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_999" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherExpenseMember" xlink:label="Locator_us-gaap_OtherExpenseMember_1000" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementLocationDomain_999" xlink:to="Locator_us-gaap_OtherExpenseMember_1000" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="Locator_us-gaap_IncomeStatementLocationDomain_1001" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherIncomeMember" xlink:label="Locator_us-gaap_OtherIncomeMember_1002" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementLocationDomain_1001" xlink:to="Locator_us-gaap_OtherIncomeMember_1002" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_1003" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_1004" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_1003" xlink:to="Locator_us-gaap_DerivativeInstrumentRiskAxis_1004" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_983" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_984" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentRiskAxis_983" xlink:to="Locator_us-gaap_DerivativeContractTypeDomain_984" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_985" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestRateContractMember" xlink:label="Locator_us-gaap_InterestRateContractMember_986" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_985" xlink:to="Locator_us-gaap_InterestRateContractMember_986" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_987" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TotalReturnSwapMember" xlink:label="Locator_us-gaap_TotalReturnSwapMember_988" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_987" xlink:to="Locator_us-gaap_TotalReturnSwapMember_988" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_1005" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_1006" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_1005" xlink:to="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_1006" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_989" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingRelationshipDomain" xlink:label="Locator_us-gaap_HedgingRelationshipDomain_990" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_989" xlink:to="Locator_us-gaap_HedgingRelationshipDomain_990" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingRelationshipDomain" xlink:label="Locator_us-gaap_HedgingRelationshipDomain_991" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueHedgingMember" xlink:label="Locator_us-gaap_FairValueHedgingMember_992" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_HedgingRelationshipDomain_991" xlink:to="Locator_us-gaap_FairValueHedgingMember_992" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/FairValuesDetails2">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:label="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_1089" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:label="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_1090" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_1089" xlink:to="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_1090" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:label="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_1091" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:label="Locator_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_1092" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_1091" xlink:to="Locator_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_1092" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValuesDetailsAbstract" xlink:label="Locator_axp_FairValuesDetailsAbstract_1087" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTable" xlink:label="Locator_us-gaap_FairValueByBalanceSheetGroupingTable_1088" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_FairValuesDetailsAbstract_1087" xlink:to="Locator_us-gaap_FairValueByBalanceSheetGroupingTable_1088" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTable" xlink:label="Locator_us-gaap_FairValueByBalanceSheetGroupingTable_1105" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:label="Locator_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_1106" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueByBalanceSheetGroupingTable_1105" xlink:to="Locator_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_1106" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:label="Locator_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_1007" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:label="Locator_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_1008" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_1007" xlink:to="Locator_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_1008" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:label="Locator_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_1009" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract" xlink:label="Locator_axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract_1010" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_1009" xlink:to="Locator_axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract_1010" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract" xlink:label="Locator_axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract_1011" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashCashEquivalentsAndFederalFundsSold" xlink:label="Locator_us-gaap_CashCashEquivalentsAndFederalFundsSold_1012" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract_1011" xlink:to="Locator_us-gaap_CashCashEquivalentsAndFederalFundsSold_1012" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract" xlink:label="Locator_axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract_1013" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherAssetsFairValueDisclosure" xlink:label="Locator_us-gaap_OtherAssetsFairValueDisclosure_1014" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract_1013" xlink:to="Locator_us-gaap_OtherAssetsFairValueDisclosure_1014" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:label="Locator_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_1015" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetsCarriedAtOtherThanFairValueAbstract" xlink:label="Locator_axp_AssetsCarriedAtOtherThanFairValueAbstract_1016" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_1015" xlink:to="Locator_axp_AssetsCarriedAtOtherThanFairValueAbstract_1016" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetsCarriedAtOtherThanFairValueAbstract" xlink:label="Locator_axp_AssetsCarriedAtOtherThanFairValueAbstract_1017" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansNet" xlink:label="Locator_axp_LoansNet_1018" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AssetsCarriedAtOtherThanFairValueAbstract_1017" xlink:to="Locator_axp_LoansNet_1018" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:label="Locator_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_1019" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:label="Locator_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_1020" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_1019" xlink:to="Locator_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_1020" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:label="Locator_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_1021" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue" xlink:label="Locator_axp_FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue_1022" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_1021" xlink:to="Locator_axp_FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue_1022" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:label="Locator_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_1023" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LiabilitiesCarriedAtOtherThanFairValueAbstract" xlink:label="Locator_axp_LiabilitiesCarriedAtOtherThanFairValueAbstract_1024" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_1023" xlink:to="Locator_axp_LiabilitiesCarriedAtOtherThanFairValueAbstract_1024" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LiabilitiesCarriedAtOtherThanFairValueAbstract" xlink:label="Locator_axp_LiabilitiesCarriedAtOtherThanFairValueAbstract_1025" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits" xlink:label="Locator_us-gaap_TimeDeposits_1026" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_LiabilitiesCarriedAtOtherThanFairValueAbstract_1025" xlink:to="Locator_us-gaap_TimeDeposits_1026" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LiabilitiesCarriedAtOtherThanFairValueAbstract" xlink:label="Locator_axp_LiabilitiesCarriedAtOtherThanFairValueAbstract_1027" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LongTermDebt" xlink:label="Locator_us-gaap_LongTermDebt_1028" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_LiabilitiesCarriedAtOtherThanFairValueAbstract_1027" xlink:to="Locator_us-gaap_LongTermDebt_1028" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:label="Locator_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_1029" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValuesTextualsAbstract" xlink:label="Locator_axp_FairValuesTextualsAbstract_1030" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_1029" xlink:to="Locator_axp_FairValuesTextualsAbstract_1030" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValuesTextualsAbstract" xlink:label="Locator_axp_FairValuesTextualsAbstract_1031" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNet" xlink:label="Locator_us-gaap_AccountsReceivableNet_1032" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_FairValuesTextualsAbstract_1031" xlink:to="Locator_us-gaap_AccountsReceivableNet_1032" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValuesTextualsAbstract" xlink:label="Locator_axp_FairValuesTextualsAbstract_1033" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmount_1034" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_FairValuesTextualsAbstract_1033" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmount_1034" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTable" xlink:label="Locator_us-gaap_FairValueByBalanceSheetGroupingTable_1107" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementBasisAxis" xlink:label="Locator_us-gaap_FairValueByMeasurementBasisAxis_1108" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueByBalanceSheetGroupingTable_1107" xlink:to="Locator_us-gaap_FairValueByMeasurementBasisAxis_1108" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementBasisAxis" xlink:label="Locator_us-gaap_FairValueByMeasurementBasisAxis_1093" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:label="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1094" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueByMeasurementBasisAxis_1093" xlink:to="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1094" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:label="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1095" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:label="Locator_us-gaap_CarryingReportedAmountFairValueDisclosureMember_1096" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1095" xlink:to="Locator_us-gaap_CarryingReportedAmountFairValueDisclosureMember_1096" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:label="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1097" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:label="Locator_us-gaap_EstimateOfFairValueFairValueDisclosureMember_1098" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1097" xlink:to="Locator_us-gaap_EstimateOfFairValueFairValueDisclosureMember_1098" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:label="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1099" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:label="Locator_us-gaap_FairValueInputsLevel1Member_1100" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1099" xlink:to="Locator_us-gaap_FairValueInputsLevel1Member_1100" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:label="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1101" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:label="Locator_us-gaap_FairValueInputsLevel2Member_1102" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1101" xlink:to="Locator_us-gaap_FairValueInputsLevel2Member_1102" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:label="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1103" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="Locator_us-gaap_FairValueInputsLevel3Member_1104" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueDisclosureItemAmountsDomain_1103" xlink:to="Locator_us-gaap_FairValueInputsLevel3Member_1104" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTable" xlink:label="Locator_us-gaap_FairValueByBalanceSheetGroupingTable_1109" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:label="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_1110" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueByBalanceSheetGroupingTable_1109" xlink:to="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_1110" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureCustomerDepositsDetails3">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CustomerDepositsDetailsAbstract" xlink:label="Locator_axp_CustomerDepositsDetailsAbstract_1111" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMoreAbstract" xlink:label="Locator_us-gaap_TimeDeposits100000OrMoreAbstract_1112" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CustomerDepositsDetailsAbstract_1111" xlink:to="Locator_us-gaap_TimeDeposits100000OrMoreAbstract_1112" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMoreAbstract" xlink:label="Locator_us-gaap_TimeDeposits100000OrMoreAbstract_1113" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMoreDomestic" xlink:label="Locator_us-gaap_TimeDeposits100000OrMoreDomestic_1114" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TimeDeposits100000OrMoreAbstract_1113" xlink:to="Locator_us-gaap_TimeDeposits100000OrMoreDomestic_1114" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMoreAbstract" xlink:label="Locator_us-gaap_TimeDeposits100000OrMoreAbstract_1115" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMoreForeign" xlink:label="Locator_us-gaap_TimeDeposits100000OrMoreForeign_1116" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TimeDeposits100000OrMoreAbstract_1115" xlink:to="Locator_us-gaap_TimeDeposits100000OrMoreForeign_1116" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMoreAbstract" xlink:label="Locator_us-gaap_TimeDeposits100000OrMoreAbstract_1117" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMore" xlink:label="Locator_us-gaap_TimeDeposits100000OrMore_1118" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TimeDeposits100000OrMoreAbstract_1117" xlink:to="Locator_us-gaap_TimeDeposits100000OrMore_1118" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureCustomerDepositsDetails2">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CustomerDepositsDetailsAbstract" xlink:label="Locator_axp_CustomerDepositsDetailsAbstract_1179" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CertificateOfDepositsByLocationTable" xlink:label="Locator_axp_CertificateOfDepositsByLocationTable_1180" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CustomerDepositsDetailsAbstract_1179" xlink:to="Locator_axp_CertificateOfDepositsByLocationTable_1180" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CertificateOfDepositsByLocationTable" xlink:label="Locator_axp_CertificateOfDepositsByLocationTable_1187" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CertificateOfDepositsByLocationLineItems" xlink:label="Locator_axp_CertificateOfDepositsByLocationLineItems_1188" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CertificateOfDepositsByLocationTable_1187" xlink:to="Locator_axp_CertificateOfDepositsByLocationLineItems_1188" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CertificateOfDepositsByLocationLineItems" xlink:label="Locator_axp_CertificateOfDepositsByLocationLineItems_1123" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositsByMaturityAbstract" xlink:label="Locator_us-gaap_TimeDepositsByMaturityAbstract_1124" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CertificateOfDepositsByLocationLineItems_1123" xlink:to="Locator_us-gaap_TimeDepositsByMaturityAbstract_1124" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositsByMaturityAbstract" xlink:label="Locator_us-gaap_TimeDepositsByMaturityAbstract_1125" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearOne" xlink:label="Locator_us-gaap_TimeDepositMaturitiesYearOne_1126" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TimeDepositsByMaturityAbstract_1125" xlink:to="Locator_us-gaap_TimeDepositMaturitiesYearOne_1126" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositsByMaturityAbstract" xlink:label="Locator_us-gaap_TimeDepositsByMaturityAbstract_1127" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearTwo" xlink:label="Locator_us-gaap_TimeDepositMaturitiesYearTwo_1128" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TimeDepositsByMaturityAbstract_1127" xlink:to="Locator_us-gaap_TimeDepositMaturitiesYearTwo_1128" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositsByMaturityAbstract" xlink:label="Locator_us-gaap_TimeDepositsByMaturityAbstract_1129" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearThree" xlink:label="Locator_us-gaap_TimeDepositMaturitiesYearThree_1130" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TimeDepositsByMaturityAbstract_1129" xlink:to="Locator_us-gaap_TimeDepositMaturitiesYearThree_1130" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositsByMaturityAbstract" xlink:label="Locator_us-gaap_TimeDepositsByMaturityAbstract_1131" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFour" xlink:label="Locator_us-gaap_TimeDepositMaturitiesYearFour_1132" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TimeDepositsByMaturityAbstract_1131" xlink:to="Locator_us-gaap_TimeDepositMaturitiesYearFour_1132" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositsByMaturityAbstract" xlink:label="Locator_us-gaap_TimeDepositsByMaturityAbstract_1133" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFive" xlink:label="Locator_us-gaap_TimeDepositMaturitiesYearFive_1134" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TimeDepositsByMaturityAbstract_1133" xlink:to="Locator_us-gaap_TimeDepositMaturitiesYearFive_1134" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositsByMaturityAbstract" xlink:label="Locator_us-gaap_TimeDepositsByMaturityAbstract_1135" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:label="Locator_us-gaap_TimeDepositMaturitiesAfterYearFive_1136" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TimeDepositsByMaturityAbstract_1135" xlink:to="Locator_us-gaap_TimeDepositMaturitiesAfterYearFive_1136" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositsByMaturityAbstract" xlink:label="Locator_us-gaap_TimeDepositsByMaturityAbstract_1137" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits" xlink:label="Locator_us-gaap_TimeDeposits_1138" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_TimeDepositsByMaturityAbstract_1137" xlink:to="Locator_us-gaap_TimeDeposits_1138" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CertificateOfDepositsByLocationTable" xlink:label="Locator_axp_CertificateOfDepositsByLocationTable_1189" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementGeographicalAxis" xlink:label="Locator_us-gaap_StatementGeographicalAxis_1190" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CertificateOfDepositsByLocationTable_1189" xlink:to="Locator_us-gaap_StatementGeographicalAxis_1190" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementGeographicalAxis" xlink:label="Locator_us-gaap_StatementGeographicalAxis_1181" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentGeographicalDomain" xlink:label="Locator_us-gaap_SegmentGeographicalDomain_1182" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementGeographicalAxis_1181" xlink:to="Locator_us-gaap_SegmentGeographicalDomain_1182" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentGeographicalDomain" xlink:label="Locator_us-gaap_SegmentGeographicalDomain_1183" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_UnitedStatesMember" xlink:label="Locator_axp_UnitedStatesMember_1184" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentGeographicalDomain_1183" xlink:to="Locator_axp_UnitedStatesMember_1184" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentGeographicalDomain" xlink:label="Locator_us-gaap_SegmentGeographicalDomain_1185" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NonUnitedStatesMember" xlink:label="Locator_axp_NonUnitedStatesMember_1186" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentGeographicalDomain_1185" xlink:to="Locator_axp_NonUnitedStatesMember_1186" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureCustomerDepositsDetails1">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CustomerDepositsDetailsAbstract" xlink:label="Locator_axp_CustomerDepositsDetailsAbstract_1191" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsByTypeAbstract" xlink:label="Locator_us-gaap_DepositsByTypeAbstract_1192" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CustomerDepositsDetailsAbstract_1191" xlink:to="Locator_us-gaap_DepositsByTypeAbstract_1192" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsByTypeAbstract" xlink:label="Locator_us-gaap_DepositsByTypeAbstract_1193" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsDomesticAbstract" xlink:label="Locator_us-gaap_DepositsDomesticAbstract_1194" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsByTypeAbstract_1193" xlink:to="Locator_us-gaap_DepositsDomesticAbstract_1194" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsDomesticAbstract" xlink:label="Locator_us-gaap_DepositsDomesticAbstract_1195" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDomesticDepositSavings" xlink:label="Locator_us-gaap_InterestBearingDomesticDepositSavings_1196" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsDomesticAbstract_1195" xlink:to="Locator_us-gaap_InterestBearingDomesticDepositSavings_1196" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsDomesticAbstract" xlink:label="Locator_us-gaap_DepositsDomesticAbstract_1197" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits" xlink:label="Locator_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_1198" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsDomesticAbstract_1197" xlink:to="Locator_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_1198" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsDomesticAbstract" xlink:label="Locator_us-gaap_DepositsDomesticAbstract_1199" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ThirdPartyCertificatesOfDeposit" xlink:label="Locator_axp_ThirdPartyCertificatesOfDeposit_1200" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsDomesticAbstract_1199" xlink:to="Locator_axp_ThirdPartyCertificatesOfDeposit_1200" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsDomesticAbstract" xlink:label="Locator_us-gaap_DepositsDomesticAbstract_1201" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ThirdPartySweepAccounts" xlink:label="Locator_axp_ThirdPartySweepAccounts_1202" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsDomesticAbstract_1201" xlink:to="Locator_axp_ThirdPartySweepAccounts_1202" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsByTypeAbstract" xlink:label="Locator_us-gaap_DepositsByTypeAbstract_1203" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDomesticDepositOtherTimeDeposit" xlink:label="Locator_us-gaap_InterestBearingDomesticDepositOtherTimeDeposit_1204" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsByTypeAbstract_1203" xlink:to="Locator_us-gaap_InterestBearingDomesticDepositOtherTimeDeposit_1204" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsByTypeAbstract" xlink:label="Locator_us-gaap_DepositsByTypeAbstract_1205" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DomesticAndForeignCardmemberCreditBalances" xlink:label="Locator_axp_DomesticAndForeignCardmemberCreditBalances_1206" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsByTypeAbstract_1205" xlink:to="Locator_axp_DomesticAndForeignCardmemberCreditBalances_1206" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsByTypeAbstract" xlink:label="Locator_us-gaap_DepositsByTypeAbstract_1207" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:label="Locator_us-gaap_Deposits_1208" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsByTypeAbstract_1207" xlink:to="Locator_us-gaap_Deposits_1208" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/InvestmentSecuritiesDetails3">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentSecuritiesDetailsAbstract" xlink:label="Locator_axp_InvestmentSecuritiesDetailsAbstract_1221" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAbstract_1222" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_InvestmentSecuritiesDetailsAbstract_1221" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAbstract_1222" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAbstract_1223" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_1224" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAbstract_1223" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_1224" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_1225" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_1226" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_1225" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_1226" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_1227" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_1228" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_1227" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_1228" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_1229" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_1230" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_1229" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_1230" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_1231" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_1232" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_1231" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_1232" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_1233" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost_1234" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_1233" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost_1234" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAbstract_1235" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_1236" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAbstract_1235" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_1236" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_1237" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_1238" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_1237" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_1238" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_1239" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_1240" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_1239" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_1240" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_1241" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_1242" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_1241" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_1242" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_1243" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_1244" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_1243" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_1244" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_1245" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesDebtSecurities_1246" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_1245" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesDebtSecurities_1246" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetails1">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentSecuritiesDetailsAbstract" xlink:label="Locator_axp_InvestmentSecuritiesDetailsAbstract_1309" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1310" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_InvestmentSecuritiesDetailsAbstract_1309" xlink:to="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1310" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1313" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_1314" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1313" xlink:to="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_1314" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_1315" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1316" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_1315" xlink:to="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1316" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1317" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherInvestmentSecuritiesMember" xlink:label="Locator_axp_OtherInvestmentSecuritiesMember_1318" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1317" xlink:to="Locator_axp_OtherInvestmentSecuritiesMember_1318" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1319" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:label="Locator_us-gaap_USStatesAndPoliticalSubdivisionsMember_1320" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1319" xlink:to="Locator_us-gaap_USStatesAndPoliticalSubdivisionsMember_1320" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1321" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:label="Locator_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_1322" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1321" xlink:to="Locator_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_1322" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1323" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:label="Locator_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_1324" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1323" xlink:to="Locator_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_1324" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1325" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ForeignGovernmentDebtSecuritiesMember" xlink:label="Locator_us-gaap_ForeignGovernmentDebtSecuritiesMember_1326" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_1325" xlink:to="Locator_us-gaap_ForeignGovernmentDebtSecuritiesMember_1326" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1311" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1312" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_1311" xlink:to="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1312" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1263" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_1264" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1263" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_1264" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_1265" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_1266" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_1265" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_1266" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_1267" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_1268" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_1267" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_1268" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_1269" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_1270" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_1269" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_1270" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_1271" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_1272" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_1271" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_1272" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_1273" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses_1274" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_1273" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses_1274" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_1275" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses_1276" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_1275" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses_1276" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureNonInterestRevenueAndExpenseDetailDetails">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_1327" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ForeignCurrencyGainLoss" xlink:label="Locator_axp_ForeignCurrencyGainLoss_1328" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_1327" xlink:to="Locator_axp_ForeignCurrencyGainLoss_1328" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_1329" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DelinquencyFees" xlink:label="Locator_axp_DelinquencyFees_1330" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_1329" xlink:to="Locator_axp_DelinquencyFees_1330" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_1331" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoyaltyPartnerRelatedFees" xlink:label="Locator_axp_LoyaltyPartnerRelatedFees_1332" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_1331" xlink:to="Locator_axp_LoyaltyPartnerRelatedFees_1332" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_1333" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ServiceFees" xlink:label="Locator_axp_ServiceFees_1334" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_1333" xlink:to="Locator_axp_ServiceFees_1334" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_1335" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherCommissionsAndFees" xlink:label="Locator_axp_OtherCommissionsAndFees_1336" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_1335" xlink:to="Locator_axp_OtherCommissionsAndFees_1336" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract" xlink:label="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_1337" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsOther" xlink:label="Locator_us-gaap_FeesAndCommissionsOther_1338" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract_1337" xlink:to="Locator_us-gaap_FeesAndCommissionsOther_1338" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/NonInterestRevenueAndExpenseDetailTables">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherCostAndExpenseDisclosureOperating1Abstract" xlink:label="Locator_axp_OtherCostAndExpenseDisclosureOperating1Abstract_1349" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherCommissionsAndFeesTextBlock" xlink:label="Locator_axp_OtherCommissionsAndFeesTextBlock_1350" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_OtherCostAndExpenseDisclosureOperating1Abstract_1349" xlink:to="Locator_axp_OtherCommissionsAndFeesTextBlock_1350" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherCostAndExpenseDisclosureOperating1Abstract" xlink:label="Locator_axp_OtherCostAndExpenseDisclosureOperating1Abstract_1351" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherRevenuesTextBlock" xlink:label="Locator_axp_OtherRevenuesTextBlock_1352" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_OtherCostAndExpenseDisclosureOperating1Abstract_1351" xlink:to="Locator_axp_OtherRevenuesTextBlock_1352" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherCostAndExpenseDisclosureOperating1Abstract" xlink:label="Locator_axp_OtherCostAndExpenseDisclosureOperating1Abstract_1353" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarketingPromotionRewardsAndCardmemberServicesTextBlock" xlink:label="Locator_axp_MarketingPromotionRewardsAndCardmemberServicesTextBlock_1354" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_OtherCostAndExpenseDisclosureOperating1Abstract_1353" xlink:to="Locator_axp_MarketingPromotionRewardsAndCardmemberServicesTextBlock_1354" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherCostAndExpenseDisclosureOperating1Abstract" xlink:label="Locator_axp_OtherCostAndExpenseDisclosureOperating1Abstract_1355" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherNetExpenseTextBlock" xlink:label="Locator_axp_OtherNetExpenseTextBlock_1356" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_OtherCostAndExpenseDisclosureOperating1Abstract_1355" xlink:to="Locator_axp_OtherNetExpenseTextBlock_1356" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/NonInterestRevenueAndExpenseDetail">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherIncomeAndOtherExpenseDisclosureAbstract" xlink:label="Locator_axp_OtherIncomeAndOtherExpenseDisclosureAbstract_1357" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherIncomeAndOtherExpenseDisclosureTextBlock" xlink:label="Locator_us-gaap_OtherIncomeAndOtherExpenseDisclosureTextBlock_1358" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_OtherIncomeAndOtherExpenseDisclosureAbstract_1357" xlink:to="Locator_us-gaap_OtherIncomeAndOtherExpenseDisclosureTextBlock_1358" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureIncomeTaxes">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="Locator_us-gaap_IncomeTaxDisclosureAbstract_1359" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxDisclosureTextBlock" xlink:label="Locator_us-gaap_IncomeTaxDisclosureTextBlock_1360" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeTaxDisclosureAbstract_1359" xlink:to="Locator_us-gaap_IncomeTaxDisclosureTextBlock_1360" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureSignificantAccountingPoliciesPolicies">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PolicyTextBlockAbstract" xlink:label="Locator_us-gaap_PolicyTextBlockAbstract_1361" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansPolicyAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansPolicyAbstract_1362" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PolicyTextBlockAbstract_1361" xlink:to="Locator_axp_AccountsReceivableAndLoansPolicyAbstract_1362" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansPolicyAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansPolicyAbstract_1363" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:label="Locator_us-gaap_FinanceLoansAndLeasesReceivablePolicy_1364" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansPolicyAbstract_1363" xlink:to="Locator_us-gaap_FinanceLoansAndLeasesReceivablePolicy_1364" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PolicyTextBlockAbstract" xlink:label="Locator_us-gaap_PolicyTextBlockAbstract_1365" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesForLossesPolicyAbstract" xlink:label="Locator_axp_ReservesForLossesPolicyAbstract_1366" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PolicyTextBlockAbstract_1365" xlink:to="Locator_axp_ReservesForLossesPolicyAbstract_1366" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesForLossesPolicyAbstract" xlink:label="Locator_axp_ReservesForLossesPolicyAbstract_1367" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReceivablesTradeAndOtherAccountsReceivableAllowanceForDoubtfulAccountsPolicy" xlink:label="Locator_us-gaap_ReceivablesTradeAndOtherAccountsReceivableAllowanceForDoubtfulAccountsPolicy_1368" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_ReservesForLossesPolicyAbstract_1367" xlink:to="Locator_us-gaap_ReceivablesTradeAndOtherAccountsReceivableAllowanceForDoubtfulAccountsPolicy_1368" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PolicyTextBlockAbstract" xlink:label="Locator_us-gaap_PolicyTextBlockAbstract_1369" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentsPolicyAbstract" xlink:label="Locator_axp_InvestmentsPolicyAbstract_1370" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PolicyTextBlockAbstract_1369" xlink:to="Locator_axp_InvestmentsPolicyAbstract_1370" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentsPolicyAbstract" xlink:label="Locator_axp_InvestmentsPolicyAbstract_1371" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentPolicyTextBlock" xlink:label="Locator_us-gaap_InvestmentPolicyTextBlock_1372" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_InvestmentsPolicyAbstract_1371" xlink:to="Locator_us-gaap_InvestmentPolicyTextBlock_1372" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PolicyTextBlockAbstract" xlink:label="Locator_us-gaap_PolicyTextBlockAbstract_1373" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetSecuritizationPolicyAbstract" xlink:label="Locator_axp_AssetSecuritizationPolicyAbstract_1374" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PolicyTextBlockAbstract_1373" xlink:to="Locator_axp_AssetSecuritizationPolicyAbstract_1374" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetSecuritizationPolicyAbstract" xlink:label="Locator_axp_AssetSecuritizationPolicyAbstract_1375" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock" xlink:label="Locator_us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock_1376" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AssetSecuritizationPolicyAbstract_1375" xlink:to="Locator_us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock_1376" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PolicyTextBlockAbstract" xlink:label="Locator_us-gaap_PolicyTextBlockAbstract_1377" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesPolicyAbstract" xlink:label="Locator_axp_DerivativesAndHedgingActivitiesPolicyAbstract_1378" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PolicyTextBlockAbstract_1377" xlink:to="Locator_axp_DerivativesAndHedgingActivitiesPolicyAbstract_1378" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesPolicyAbstract" xlink:label="Locator_axp_DerivativesAndHedgingActivitiesPolicyAbstract_1379" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativesPolicyTextBlock" xlink:label="Locator_us-gaap_DerivativesPolicyTextBlock_1380" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DerivativesAndHedgingActivitiesPolicyAbstract_1379" xlink:to="Locator_us-gaap_DerivativesPolicyTextBlock_1380" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PolicyTextBlockAbstract" xlink:label="Locator_us-gaap_PolicyTextBlockAbstract_1381" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValuePolicyAbstract" xlink:label="Locator_axp_FairValuePolicyAbstract_1382" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PolicyTextBlockAbstract_1381" xlink:to="Locator_axp_FairValuePolicyAbstract_1382" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValuePolicyAbstract" xlink:label="Locator_axp_FairValuePolicyAbstract_1383" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueOfFinancialInstrumentsPolicy" xlink:label="Locator_us-gaap_FairValueOfFinancialInstrumentsPolicy_1384" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_FairValuePolicyAbstract_1383" xlink:to="Locator_us-gaap_FairValueOfFinancialInstrumentsPolicy_1384" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PolicyTextBlockAbstract" xlink:label="Locator_us-gaap_PolicyTextBlockAbstract_1385" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_1386" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_PolicyTextBlockAbstract_1385" xlink:to="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_1386" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_1387" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommitmentsAndContingenciesPolicyTextBlock" xlink:label="Locator_us-gaap_CommitmentsAndContingenciesPolicyTextBlock_1388" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_1387" xlink:to="Locator_us-gaap_CommitmentsAndContingenciesPolicyTextBlock_1388" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesTables">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesTablesAbstract" xlink:label="Locator_axp_DerivativesAndHedgingActivitiesTablesAbstract_1389" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock" xlink:label="Locator_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock_1390" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DerivativesAndHedgingActivitiesTablesAbstract_1389" xlink:to="Locator_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock_1390" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesTablesAbstract" xlink:label="Locator_axp_DerivativesAndHedgingActivitiesTablesAbstract_1391" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EffectOfFairValueHedgesOnResultsOfOperationsTextBlock" xlink:label="Locator_axp_EffectOfFairValueHedgesOnResultsOfOperationsTextBlock_1392" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DerivativesAndHedgingActivitiesTablesAbstract_1391" xlink:to="Locator_axp_EffectOfFairValueHedgesOnResultsOfOperationsTextBlock_1392" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesTablesAbstract" xlink:label="Locator_axp_DerivativesAndHedgingActivitiesTablesAbstract_1393" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock" xlink:label="Locator_us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock_1394" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DerivativesAndHedgingActivitiesTablesAbstract_1393" xlink:to="Locator_us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock_1394" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesTablesAbstract" xlink:label="Locator_axp_DerivativesAndHedgingActivitiesTablesAbstract_1395" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativeInstrumentsGainLossRecognizedInIncomeTextBlock" xlink:label="Locator_axp_DerivativeInstrumentsGainLossRecognizedInIncomeTextBlock_1396" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DerivativesAndHedgingActivitiesTablesAbstract_1395" xlink:to="Locator_axp_DerivativeInstrumentsGainLossRecognizedInIncomeTextBlock_1396" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureGuaranteesTables">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GuaranteesTablesAbstract" xlink:label="Locator_axp_GuaranteesTablesAbstract_1397" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfGuaranteeObligationsTextBlock" xlink:label="Locator_us-gaap_ScheduleOfGuaranteeObligationsTextBlock_1398" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_GuaranteesTablesAbstract_1397" xlink:to="Locator_us-gaap_ScheduleOfGuaranteeObligationsTextBlock_1398" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/GuaranteesDetails">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GuaranteesDetailsAbstract" xlink:label="Locator_axp_GuaranteesDetailsAbstract_1427" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfGuaranteeObligationsTable" xlink:label="Locator_us-gaap_ScheduleOfGuaranteeObligationsTable_1428" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_GuaranteesDetailsAbstract_1427" xlink:to="Locator_us-gaap_ScheduleOfGuaranteeObligationsTable_1428" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfGuaranteeObligationsTable" xlink:label="Locator_us-gaap_ScheduleOfGuaranteeObligationsTable_1429" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsLineItems" xlink:label="Locator_us-gaap_GuaranteeObligationsLineItems_1430" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfGuaranteeObligationsTable_1429" xlink:to="Locator_us-gaap_GuaranteeObligationsLineItems_1430" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsLineItems" xlink:label="Locator_us-gaap_GuaranteeObligationsLineItems_1399" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GuaranteeObligationsLineItemsAbstract" xlink:label="Locator_axp_GuaranteeObligationsLineItemsAbstract_1400" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteeObligationsLineItems_1399" xlink:to="Locator_axp_GuaranteeObligationsLineItemsAbstract_1400" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_GuaranteeObligationsLineItemsAbstract" xlink:label="Locator_axp_GuaranteeObligationsLineItemsAbstract_1401" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfGuaranteeAbstract" xlink:label="Locator_axp_TypeOfGuaranteeAbstract_1402" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_GuaranteeObligationsLineItemsAbstract_1401" xlink:to="Locator_axp_TypeOfGuaranteeAbstract_1402" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfGuaranteeAbstract" xlink:label="Locator_axp_TypeOfGuaranteeAbstract_1403" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsMaximumExposure" xlink:label="Locator_us-gaap_GuaranteeObligationsMaximumExposure_1404" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_TypeOfGuaranteeAbstract_1403" xlink:to="Locator_us-gaap_GuaranteeObligationsMaximumExposure_1404" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TypeOfGuaranteeAbstract" xlink:label="Locator_axp_TypeOfGuaranteeAbstract_1405" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsCurrentCarryingValue" xlink:label="Locator_us-gaap_GuaranteeObligationsCurrentCarryingValue_1406" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_TypeOfGuaranteeAbstract_1405" xlink:to="Locator_us-gaap_GuaranteeObligationsCurrentCarryingValue_1406" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfGuaranteeObligationsTable" xlink:label="Locator_us-gaap_ScheduleOfGuaranteeObligationsTable_1431" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsByNatureAxis" xlink:label="Locator_us-gaap_GuaranteeObligationsByNatureAxis_1432" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfGuaranteeObligationsTable_1431" xlink:to="Locator_us-gaap_GuaranteeObligationsByNatureAxis_1432" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsByNatureAxis" xlink:label="Locator_us-gaap_GuaranteeObligationsByNatureAxis_1433" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsNatureDomain" xlink:label="Locator_us-gaap_GuaranteeObligationsNatureDomain_1434" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteeObligationsByNatureAxis_1433" xlink:to="Locator_us-gaap_GuaranteeObligationsNatureDomain_1434" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsNatureDomain" xlink:label="Locator_us-gaap_GuaranteeObligationsNatureDomain_1435" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardAndTravelOperationsMember" xlink:label="Locator_axp_CardAndTravelOperationsMember_1436" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteeObligationsNatureDomain_1435" xlink:to="Locator_axp_CardAndTravelOperationsMember_1436" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeObligationsNatureDomain" xlink:label="Locator_us-gaap_GuaranteeObligationsNatureDomain_1437" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteeTypeOtherMember" xlink:label="Locator_us-gaap_GuaranteeTypeOtherMember_1438" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteeObligationsNatureDomain_1437" xlink:to="Locator_us-gaap_GuaranteeTypeOtherMember_1438" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetails">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesTextualsAbstract" xlink:label="Locator_axp_DerivativesAndHedgingActivitiesTextualsAbstract_1457" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OffsettingAssetsTable" xlink:label="Locator_us-gaap_OffsettingAssetsTable_1458" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DerivativesAndHedgingActivitiesTextualsAbstract_1457" xlink:to="Locator_us-gaap_OffsettingAssetsTable_1458" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OffsettingAssetsTable" xlink:label="Locator_us-gaap_OffsettingAssetsTable_1539" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_1540" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingAssetsTable_1539" xlink:to="Locator_us-gaap_DerivativeLineItems_1540" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_1439" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValueOfSecuritiesReceivedAsCollateral" xlink:label="Locator_axp_FairValueOfSecuritiesReceivedAsCollateral_1440" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeLineItems_1439" xlink:to="Locator_axp_FairValueOfSecuritiesReceivedAsCollateral_1440" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_1441" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeAssets" xlink:label="Locator_us-gaap_DerivativeAssets_1442" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeLineItems_1441" xlink:to="Locator_us-gaap_DerivativeAssets_1442" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="Locator_us-gaap_DerivativeLineItems_1443" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLiabilities" xlink:label="Locator_us-gaap_DerivativeLiabilities_1444" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeLineItems_1443" xlink:to="Locator_us-gaap_DerivativeLiabilities_1444" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OffsettingAssetsTable" xlink:label="Locator_us-gaap_OffsettingAssetsTable_1543" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CounterpartyNameAxis" xlink:label="Locator_us-gaap_CounterpartyNameAxis_1544" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingAssetsTable_1543" xlink:to="Locator_us-gaap_CounterpartyNameAxis_1544" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CounterpartyNameAxis" xlink:label="Locator_us-gaap_CounterpartyNameAxis_1585" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepurchaseAgreementCounterpartyNameDomain" xlink:label="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_1586" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CounterpartyNameAxis_1585" xlink:to="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_1586" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepurchaseAgreementCounterpartyNameDomain" xlink:label="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_1587" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NotSoldOrRepledgedMember" xlink:label="Locator_axp_NotSoldOrRepledgedMember_1588" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_1587" xlink:to="Locator_axp_NotSoldOrRepledgedMember_1588" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepurchaseAgreementCounterpartyNameDomain" xlink:label="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_1589" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RiskExposureLowMember" xlink:label="Locator_axp_RiskExposureLowMember_1590" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_1589" xlink:to="Locator_axp_RiskExposureLowMember_1590" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepurchaseAgreementCounterpartyNameDomain" xlink:label="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_1591" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SignificantCounterpartiesMember" xlink:label="Locator_axp_SignificantCounterpartiesMember_1592" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RepurchaseAgreementCounterpartyNameDomain_1591" xlink:to="Locator_axp_SignificantCounterpartiesMember_1592" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OffsettingAssetsTable" xlink:label="Locator_us-gaap_OffsettingAssetsTable_1545" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BalanceSheetLocationAxis" xlink:label="Locator_us-gaap_BalanceSheetLocationAxis_1546" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OffsettingAssetsTable_1545" xlink:to="Locator_us-gaap_BalanceSheetLocationAxis_1546" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BalanceSheetLocationAxis" xlink:label="Locator_us-gaap_BalanceSheetLocationAxis_1565" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BalanceSheetLocationDomain" xlink:label="Locator_us-gaap_BalanceSheetLocationDomain_1566" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BalanceSheetLocationAxis_1565" xlink:to="Locator_us-gaap_BalanceSheetLocationDomain_1566" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BalanceSheetLocationDomain" xlink:label="Locator_us-gaap_BalanceSheetLocationDomain_1567" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherAssetsMember" xlink:label="Locator_us-gaap_OtherAssetsMember_1568" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BalanceSheetLocationDomain_1567" xlink:to="Locator_us-gaap_OtherAssetsMember_1568" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BalanceSheetLocationDomain" xlink:label="Locator_us-gaap_BalanceSheetLocationDomain_1569" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherLiabilitiesMember" xlink:label="Locator_us-gaap_OtherLiabilitiesMember_1570" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_BalanceSheetLocationDomain_1569" xlink:to="Locator_us-gaap_OtherLiabilitiesMember_1570" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingDesignationAxis" xlink:label="Locator_us-gaap_HedgingDesignationAxis_1579" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingDesignationDomain" xlink:label="Locator_us-gaap_HedgingDesignationDomain_1580" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_HedgingDesignationAxis_1579" xlink:to="Locator_us-gaap_HedgingDesignationDomain_1580" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingDesignationDomain" xlink:label="Locator_us-gaap_HedgingDesignationDomain_1581" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DesignatedAsHedgingInstrumentMember" xlink:label="Locator_us-gaap_DesignatedAsHedgingInstrumentMember_1582" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_HedgingDesignationDomain_1581" xlink:to="Locator_us-gaap_DesignatedAsHedgingInstrumentMember_1582" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingDesignationDomain" xlink:label="Locator_us-gaap_HedgingDesignationDomain_1583" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NondesignatedMember" xlink:label="Locator_us-gaap_NondesignatedMember_1584" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_HedgingDesignationDomain_1583" xlink:to="Locator_us-gaap_NondesignatedMember_1584" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_1555" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_1556" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentRiskAxis_1555" xlink:to="Locator_us-gaap_DerivativeContractTypeDomain_1556" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_1557" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestRateContractMember" xlink:label="Locator_us-gaap_InterestRateContractMember_1558" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_1557" xlink:to="Locator_us-gaap_InterestRateContractMember_1558" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_1559" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ForeignExchangeContractMember" xlink:label="Locator_us-gaap_ForeignExchangeContractMember_1560" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_1559" xlink:to="Locator_us-gaap_ForeignExchangeContractMember_1560" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_1561" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityContractMember" xlink:label="Locator_us-gaap_EquityContractMember_1562" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_1561" xlink:to="Locator_us-gaap_EquityContractMember_1562" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="Locator_us-gaap_DerivativeContractTypeDomain_1563" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TotalReturnSwapMember" xlink:label="Locator_us-gaap_TotalReturnSwapMember_1564" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeContractTypeDomain_1563" xlink:to="Locator_us-gaap_TotalReturnSwapMember_1564" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_1571" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingRelationshipDomain" xlink:label="Locator_us-gaap_HedgingRelationshipDomain_1572" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_1571" xlink:to="Locator_us-gaap_HedgingRelationshipDomain_1572" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingRelationshipDomain" xlink:label="Locator_us-gaap_HedgingRelationshipDomain_1573" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueHedgingMember" xlink:label="Locator_us-gaap_FairValueHedgingMember_1574" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_HedgingRelationshipDomain_1573" xlink:to="Locator_us-gaap_FairValueHedgingMember_1574" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingRelationshipDomain" xlink:label="Locator_us-gaap_HedgingRelationshipDomain_1575" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashFlowHedgingMember" xlink:label="Locator_us-gaap_CashFlowHedgingMember_1576" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_HedgingRelationshipDomain_1575" xlink:to="Locator_us-gaap_CashFlowHedgingMember_1576" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingRelationshipDomain" xlink:label="Locator_us-gaap_HedgingRelationshipDomain_1577" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetInvestmentHedgingMember" xlink:label="Locator_us-gaap_NetInvestmentHedgingMember_1578" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_HedgingRelationshipDomain_1577" xlink:to="Locator_us-gaap_NetInvestmentHedgingMember_1578" order="3.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesDetailsAbstract" xlink:label="Locator_axp_DerivativesAndHedgingActivitiesDetailsAbstract_1459" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_1460" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DerivativesAndHedgingActivitiesDetailsAbstract_1459" xlink:to="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_1460" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_1541" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativesFairValueLineItems" xlink:label="Locator_us-gaap_DerivativesFairValueLineItems_1542" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_1541" xlink:to="Locator_us-gaap_DerivativesFairValueLineItems_1542" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativesFairValueLineItems" xlink:label="Locator_us-gaap_DerivativesFairValueLineItems_1447" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:label="Locator_us-gaap_DerivativeFairValueOfDerivativeAsset_1448" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativesFairValueLineItems_1447" xlink:to="Locator_us-gaap_DerivativeFairValueOfDerivativeAsset_1448" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativesFairValueLineItems" xlink:label="Locator_us-gaap_DerivativesFairValueLineItems_1449" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:label="Locator_us-gaap_DerivativeFairValueOfDerivativeLiability_1450" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativesFairValueLineItems_1449" xlink:to="Locator_us-gaap_DerivativeFairValueOfDerivativeLiability_1450" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativesFairValueLineItems" xlink:label="Locator_us-gaap_DerivativesFairValueLineItems_1451" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CashCollateralNetting" xlink:label="Locator_axp_CashCollateralNetting_1452" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativesFairValueLineItems_1451" xlink:to="Locator_axp_CashCollateralNetting_1452" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativesFairValueLineItems" xlink:label="Locator_us-gaap_DerivativesFairValueLineItems_1453" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativeAssetAndLiabilityNetting" xlink:label="Locator_axp_DerivativeAssetAndLiabilityNetting_1454" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativesFairValueLineItems_1453" xlink:to="Locator_axp_DerivativeAssetAndLiabilityNetting_1454" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_1547" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BalanceSheetLocationAxis" xlink:label="Locator_us-gaap_BalanceSheetLocationAxis_1548" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_1547" xlink:to="Locator_us-gaap_BalanceSheetLocationAxis_1548" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_1549" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_1550" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_1549" xlink:to="Locator_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_1550" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_1551" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="Locator_us-gaap_DerivativeInstrumentRiskAxis_1552" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_1551" xlink:to="Locator_us-gaap_DerivativeInstrumentRiskAxis_1552" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:label="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_1553" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HedgingDesignationAxis" xlink:label="Locator_us-gaap_HedgingDesignationAxis_1554" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_1553" xlink:to="Locator_us-gaap_HedgingDesignationAxis_1554" order="4.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesDetailsAbstract" xlink:label="Locator_axp_DerivativesAndHedgingActivitiesDetailsAbstract_1461" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeAssets" xlink:label="Locator_us-gaap_DerivativeAssets_1462" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DerivativesAndHedgingActivitiesDetailsAbstract_1461" xlink:to="Locator_us-gaap_DerivativeAssets_1462" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DerivativesAndHedgingActivitiesDetailsAbstract" xlink:label="Locator_axp_DerivativesAndHedgingActivitiesDetailsAbstract_1463" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLiabilities" xlink:label="Locator_us-gaap_DerivativeLiabilities_1464" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DerivativesAndHedgingActivitiesDetailsAbstract_1463" xlink:to="Locator_us-gaap_DerivativeLiabilities_1464" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureCustomerDepositsDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsDomesticAbstract" xlink:label="Locator_us-gaap_DepositsDomesticAbstract_1593" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositLiabilitiesDomestic" xlink:label="Locator_us-gaap_InterestBearingDepositLiabilitiesDomestic_1594" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsDomesticAbstract_1593" xlink:to="Locator_us-gaap_InterestBearingDepositLiabilitiesDomestic_1594" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsDomesticAbstract" xlink:label="Locator_us-gaap_DepositsDomesticAbstract_1595" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilitiesDomestic" xlink:label="Locator_us-gaap_NoninterestBearingDepositLiabilitiesDomestic_1596" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsDomesticAbstract_1595" xlink:to="Locator_us-gaap_NoninterestBearingDepositLiabilitiesDomestic_1596" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CustomerDepositsDetailsAbstract" xlink:label="Locator_axp_CustomerDepositsDetailsAbstract_1643" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmembercreditbalancesTable" xlink:label="Locator_axp_CardmembercreditbalancesTable_1644" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CustomerDepositsDetailsAbstract_1643" xlink:to="Locator_axp_CardmembercreditbalancesTable_1644" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmembercreditbalancesTable" xlink:label="Locator_axp_CardmembercreditbalancesTable_1645" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CustomerDepositsByTypeLineItems" xlink:label="Locator_axp_CustomerDepositsByTypeLineItems_1646" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CardmembercreditbalancesTable_1645" xlink:to="Locator_axp_CustomerDepositsByTypeLineItems_1646" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CustomerDepositsByTypeLineItems" xlink:label="Locator_axp_CustomerDepositsByTypeLineItems_1597" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsByComponentAlternativeAbstract" xlink:label="Locator_us-gaap_DepositsByComponentAlternativeAbstract_1598" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CustomerDepositsByTypeLineItems_1597" xlink:to="Locator_us-gaap_DepositsByComponentAlternativeAbstract_1598" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsByComponentAlternativeAbstract" xlink:label="Locator_us-gaap_DepositsByComponentAlternativeAbstract_1599" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsDomesticAbstract" xlink:label="Locator_us-gaap_DepositsDomesticAbstract_1600" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsByComponentAlternativeAbstract_1599" xlink:to="Locator_us-gaap_DepositsDomesticAbstract_1600" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsByComponentAlternativeAbstract" xlink:label="Locator_us-gaap_DepositsByComponentAlternativeAbstract_1601" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsForeignAbstract" xlink:label="Locator_us-gaap_DepositsForeignAbstract_1602" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsByComponentAlternativeAbstract_1601" xlink:to="Locator_us-gaap_DepositsForeignAbstract_1602" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsForeignAbstract" xlink:label="Locator_us-gaap_DepositsForeignAbstract_1603" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositLiabilitiesForeign" xlink:label="Locator_us-gaap_InterestBearingDepositLiabilitiesForeign_1604" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsForeignAbstract_1603" xlink:to="Locator_us-gaap_InterestBearingDepositLiabilitiesForeign_1604" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsForeignAbstract" xlink:label="Locator_us-gaap_DepositsForeignAbstract_1605" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilitiesForeign" xlink:label="Locator_us-gaap_NoninterestBearingDepositLiabilitiesForeign_1606" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsForeignAbstract_1605" xlink:to="Locator_us-gaap_NoninterestBearingDepositLiabilitiesForeign_1606" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsByComponentAlternativeAbstract" xlink:label="Locator_us-gaap_DepositsByComponentAlternativeAbstract_1607" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:label="Locator_us-gaap_Deposits_1608" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DepositsByComponentAlternativeAbstract_1607" xlink:to="Locator_us-gaap_Deposits_1608" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmembercreditbalancesTable" xlink:label="Locator_axp_CardmembercreditbalancesTable_1647" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditBalancesAxis" xlink:label="Locator_axp_CreditBalancesAxis_1648" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CardmembercreditbalancesTable_1647" xlink:to="Locator_axp_CreditBalancesAxis_1648" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CreditBalancesAxis" xlink:label="Locator_axp_CreditBalancesAxis_1649" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberCreditBalancesDomain" xlink:label="Locator_axp_CardmemberCreditBalancesDomain_1650" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CreditBalancesAxis_1649" xlink:to="Locator_axp_CardmemberCreditBalancesDomain_1650" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberCreditBalancesDomain" xlink:label="Locator_axp_CardmemberCreditBalancesDomain_1651" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberCreditBalancesMember" xlink:label="Locator_axp_CardmemberCreditBalancesMember_1652" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CardmemberCreditBalancesDomain_1651" xlink:to="Locator_axp_CardmemberCreditBalancesMember_1652" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureCustomerDepositsTables">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CustomerDepositsTablesAbstract" xlink:label="Locator_axp_CustomerDepositsTablesAbstract_1653" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DepositsByComponentAlternativeTextBlock" xlink:label="Locator_axp_DepositsByComponentAlternativeTextBlock_1654" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CustomerDepositsTablesAbstract_1653" xlink:to="Locator_axp_DepositsByComponentAlternativeTextBlock_1654" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CustomerDepositsTablesAbstract" xlink:label="Locator_axp_CustomerDepositsTablesAbstract_1655" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DepositsByTypeTextBlock" xlink:label="Locator_axp_DepositsByTypeTextBlock_1656" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CustomerDepositsTablesAbstract_1655" xlink:to="Locator_axp_DepositsByTypeTextBlock_1656" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CustomerDepositsTablesAbstract" xlink:label="Locator_axp_CustomerDepositsTablesAbstract_1657" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TimeDepositsByMaturityTextBlock" xlink:label="Locator_axp_TimeDepositsByMaturityTextBlock_1658" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CustomerDepositsTablesAbstract_1657" xlink:to="Locator_axp_TimeDepositsByMaturityTextBlock_1658" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CustomerDepositsTablesAbstract" xlink:label="Locator_axp_CustomerDepositsTablesAbstract_1659" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TimeDeposits100000OrMoreTextBlock" xlink:label="Locator_axp_TimeDeposits100000OrMoreTextBlock_1660" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CustomerDepositsTablesAbstract_1659" xlink:to="Locator_axp_TimeDeposits100000OrMoreTextBlock_1660" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureGuarantees">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteesAbstract" xlink:label="Locator_us-gaap_GuaranteesAbstract_1661" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GuaranteesTextBlock" xlink:label="Locator_us-gaap_GuaranteesTextBlock_1662" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_GuaranteesAbstract_1661" xlink:to="Locator_us-gaap_GuaranteesTextBlock_1662" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivities">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:label="Locator_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_1663" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" xlink:label="Locator_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_1664" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_1663" xlink:to="Locator_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_1664" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureCustomerDeposits">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DepositLiabilitiesDisclosuresAbstract" xlink:label="Locator_axp_DepositLiabilitiesDisclosuresAbstract_1665" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:label="Locator_us-gaap_DepositLiabilitiesDisclosuresTextBlock_1666" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DepositLiabilitiesDisclosuresAbstract_1665" xlink:to="Locator_us-gaap_DepositLiabilitiesDisclosuresTextBlock_1666" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureInvestmentSecurities">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1667" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:label="Locator_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_1668" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_1667" xlink:to="Locator_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_1668" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/FairValuesDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1669" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1670" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1669" xlink:to="Locator_us-gaap_AssetsAbstract_1670" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1671" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:label="Locator_us-gaap_InvestmentsAbstract_1672" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1671" xlink:to="Locator_us-gaap_InvestmentsAbstract_1672" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:label="Locator_us-gaap_InvestmentsAbstract_1673" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesEquitySecurities" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesEquitySecurities_1674" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsAbstract_1673" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesEquitySecurities_1674" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:label="Locator_us-gaap_InvestmentsAbstract_1675" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther" xlink:label="Locator_axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther_1676" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InvestmentsAbstract_1675" xlink:to="Locator_axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther_1676" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1677" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:label="Locator_us-gaap_DerivativeFairValueOfDerivativeAsset_1678" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1677" xlink:to="Locator_us-gaap_DerivativeFairValueOfDerivativeAsset_1678" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1679" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsFairValueDisclosureRecurring" xlink:label="Locator_us-gaap_AssetsFairValueDisclosureRecurring_1680" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1679" xlink:to="Locator_us-gaap_AssetsFairValueDisclosureRecurring_1680" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValuesDetailsAbstract" xlink:label="Locator_axp_FairValuesDetailsAbstract_1711" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1712" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_FairValuesDetailsAbstract_1711" xlink:to="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1712" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1713" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1714" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1713" xlink:to="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1714" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1715" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_1716" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1715" xlink:to="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_1716" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_1717" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1718" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_1717" xlink:to="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1718" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1719" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:label="Locator_us-gaap_FairValueInputsLevel1Member_1720" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1719" xlink:to="Locator_us-gaap_FairValueInputsLevel1Member_1720" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1721" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:label="Locator_us-gaap_FairValueInputsLevel2Member_1722" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1721" xlink:to="Locator_us-gaap_FairValueInputsLevel2Member_1722" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1723" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="Locator_us-gaap_FairValueInputsLevel3Member_1724" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1723" xlink:to="Locator_us-gaap_FairValueInputsLevel3Member_1724" order="3.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/FairValuesTables">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValuesTablesAbstract" xlink:label="Locator_axp_FairValuesTablesAbstract_1725" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:label="Locator_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_1726" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_FairValuesTablesAbstract_1725" xlink:to="Locator_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_1726" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValuesTablesAbstract" xlink:label="Locator_axp_FairValuesTablesAbstract_1727" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:label="Locator_us-gaap_FairValueByBalanceSheetGroupingTextBlock_1728" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_FairValuesTablesAbstract_1727" xlink:to="Locator_us-gaap_FairValueByBalanceSheetGroupingTextBlock_1728" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/FairValues">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosuresAbstract" xlink:label="Locator_us-gaap_FairValueDisclosuresAbstract_1729" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosuresTextBlock" xlink:label="Locator_us-gaap_FairValueDisclosuresTextBlock_1730" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueDisclosuresAbstract_1729" xlink:to="Locator_us-gaap_FairValueDisclosuresTextBlock_1730" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/StatementConsolidatedStatementsOfIncomeParenthetical">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_1731" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits" xlink:label="Locator_us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits_1732" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_1731" xlink:to="Locator_us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits_1732" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/Contingencies">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_1733" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:label="Locator_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_1734" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_1733" xlink:to="Locator_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_1734" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureEarningsPerCommonShareEPSDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasicAbstract" xlink:label="Locator_us-gaap_EarningsPerShareBasicAbstract_1735" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsPerBasicShare" xlink:label="Locator_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_1736" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareBasicAbstract_1735" xlink:to="Locator_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_1736" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasicAbstract" xlink:label="Locator_us-gaap_EarningsPerShareBasicAbstract_1737" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:label="Locator_us-gaap_EarningsPerShareBasic_1738" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareBasicAbstract_1737" xlink:to="Locator_us-gaap_EarningsPerShareBasic_1738" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDilutedAbstract" xlink:label="Locator_us-gaap_EarningsPerShareDilutedAbstract_1739" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare" xlink:label="Locator_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_1740" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareDilutedAbstract_1739" xlink:to="Locator_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_1740" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract" xlink:label="Locator_axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract_1741" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants" xlink:label="Locator_us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants_1742" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract_1741" xlink:to="Locator_us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants_1742" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract" xlink:label="Locator_axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract_1743" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="Locator_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_1744" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract_1743" xlink:to="Locator_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_1744" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract" xlink:label="Locator_axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract_1745" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="Locator_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_1746" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract_1745" xlink:to="Locator_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_1746" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EarningsPerCommonShareEpsDetailsAbstract" xlink:label="Locator_axp_EarningsPerCommonShareEpsDetailsAbstract_1749" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareReconciliationAbstract" xlink:label="Locator_us-gaap_EarningsPerShareReconciliationAbstract_1750" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_EarningsPerCommonShareEpsDetailsAbstract_1749" xlink:to="Locator_us-gaap_EarningsPerShareReconciliationAbstract_1750" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareReconciliationAbstract" xlink:label="Locator_us-gaap_EarningsPerShareReconciliationAbstract_1751" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetIncomeAttributableToCommonShareholdersAbstract" xlink:label="Locator_axp_NetIncomeAttributableToCommonShareholdersAbstract_1752" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareReconciliationAbstract_1751" xlink:to="Locator_axp_NetIncomeAttributableToCommonShareholdersAbstract_1752" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetIncomeAttributableToCommonShareholdersAbstract" xlink:label="Locator_axp_NetIncomeAttributableToCommonShareholdersAbstract_1753" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLossAbstract" xlink:label="Locator_us-gaap_NetIncomeLossAbstract_1754" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_NetIncomeAttributableToCommonShareholdersAbstract_1753" xlink:to="Locator_us-gaap_NetIncomeLossAbstract_1754" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLossAbstract" xlink:label="Locator_us-gaap_NetIncomeLossAbstract_1755" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="Locator_us-gaap_NetIncomeLoss_1756" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetIncomeLossAbstract_1755" xlink:to="Locator_us-gaap_NetIncomeLoss_1756" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLossAbstract" xlink:label="Locator_us-gaap_NetIncomeLossAbstract_1757" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits" xlink:label="Locator_us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits_1758" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetIncomeLossAbstract_1757" xlink:to="Locator_us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits_1758" order="2.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLossAbstract" xlink:label="Locator_us-gaap_NetIncomeLossAbstract_1759" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NetIncomeAttributableToCommonShareholders" xlink:label="Locator_axp_NetIncomeAttributableToCommonShareholders_1760" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetIncomeLossAbstract_1759" xlink:to="Locator_axp_NetIncomeAttributableToCommonShareholders_1760" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareReconciliationAbstract" xlink:label="Locator_us-gaap_EarningsPerShareReconciliationAbstract_1761" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract" xlink:label="Locator_axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract_1762" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareReconciliationAbstract_1761" xlink:to="Locator_axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract_1762" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareReconciliationAbstract" xlink:label="Locator_us-gaap_EarningsPerShareReconciliationAbstract_1763" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasicAbstract" xlink:label="Locator_us-gaap_EarningsPerShareBasicAbstract_1764" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareReconciliationAbstract_1763" xlink:to="Locator_us-gaap_EarningsPerShareBasicAbstract_1764" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareReconciliationAbstract" xlink:label="Locator_us-gaap_EarningsPerShareReconciliationAbstract_1765" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDilutedAbstract" xlink:label="Locator_us-gaap_EarningsPerShareDilutedAbstract_1766" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareReconciliationAbstract_1765" xlink:to="Locator_us-gaap_EarningsPerShareDilutedAbstract_1766" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EarningsPerCommonShareEpsDetailsAbstract" xlink:label="Locator_axp_EarningsPerCommonShareEpsDetailsAbstract_1767" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EarningsPerCommonShareEpsTextualsAbstract" xlink:label="Locator_axp_EarningsPerCommonShareEpsTextualsAbstract_1768" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_EarningsPerCommonShareEpsDetailsAbstract_1767" xlink:to="Locator_axp_EarningsPerCommonShareEpsTextualsAbstract_1768" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EarningsPerCommonShareEpsTextualsAbstract" xlink:label="Locator_axp_EarningsPerCommonShareEpsTextualsAbstract_1769" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConvertibleSubordinatedDebt" xlink:label="Locator_us-gaap_ConvertibleSubordinatedDebt_1770" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_EarningsPerCommonShareEpsTextualsAbstract_1769" xlink:to="Locator_us-gaap_ConvertibleSubordinatedDebt_1770" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EarningsPerCommonShareEpsTextualsAbstract" xlink:label="Locator_axp_EarningsPerCommonShareEpsTextualsAbstract_1771" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SubordinatedDebtIssuanceYear" xlink:label="Locator_axp_SubordinatedDebtIssuanceYear_1772" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_EarningsPerCommonShareEpsTextualsAbstract_1771" xlink:to="Locator_axp_SubordinatedDebtIssuanceYear_1772" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EarningsPerCommonShareEpsTextualsAbstract" xlink:label="Locator_axp_EarningsPerCommonShareEpsTextualsAbstract_1773" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SubordinatedDebtMaturityYear" xlink:label="Locator_axp_SubordinatedDebtMaturityYear_1774" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_EarningsPerCommonShareEpsTextualsAbstract_1773" xlink:to="Locator_axp_SubordinatedDebtMaturityYear_1774" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EarningsPerCommonShareEpsDetailsAbstract" xlink:label="Locator_axp_EarningsPerCommonShareEpsDetailsAbstract_1795" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable" xlink:label="Locator_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_1796" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_EarningsPerCommonShareEpsDetailsAbstract_1795" xlink:to="Locator_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_1796" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable" xlink:label="Locator_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_1797" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems" xlink:label="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_1798" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_1797" xlink:to="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_1798" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems" xlink:label="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_1747" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:label="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_1748" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_1747" xlink:to="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_1748" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable" xlink:label="Locator_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_1799" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis" xlink:label="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_1800" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_1799" xlink:to="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_1800" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis" xlink:label="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_1801" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesNameDomain" xlink:label="Locator_us-gaap_AntidilutiveSecuritiesNameDomain_1802" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_1801" xlink:to="Locator_us-gaap_AntidilutiveSecuritiesNameDomain_1802" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesNameDomain" xlink:label="Locator_us-gaap_AntidilutiveSecuritiesNameDomain_1803" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockOptionMember" xlink:label="Locator_us-gaap_StockOptionMember_1804" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AntidilutiveSecuritiesNameDomain_1803" xlink:to="Locator_us-gaap_StockOptionMember_1804" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureEarningsPerCommonShareEPSTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareReconciliationAbstract" xlink:label="Locator_us-gaap_EarningsPerShareReconciliationAbstract_1805" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:label="Locator_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_1806" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareReconciliationAbstract_1805" xlink:to="Locator_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_1806" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureEarningsPerCommonShareEPS">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="Locator_us-gaap_EarningsPerShareAbstract_1807" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareTextBlock" xlink:label="Locator_us-gaap_EarningsPerShareTextBlock_1808" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareAbstract_1807" xlink:to="Locator_us-gaap_EarningsPerShareTextBlock_1808" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/StatementConsolidatedStatementsOfCashFlows">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="Locator_us-gaap_StatementOfCashFlowsAbstract_1809" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_1810" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfCashFlowsAbstract_1809" xlink:to="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_1810" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_1823" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="Locator_us-gaap_NetIncomeLoss_1824" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_1823" xlink:to="Locator_us-gaap_NetIncomeLoss_1824" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_1825" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_1826" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_1825" xlink:to="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_1826" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_1829" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:label="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLosses_1830" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_1829" xlink:to="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLosses_1830" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_1831" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepreciationAmortizationAndAccretionNet" xlink:label="Locator_us-gaap_DepreciationAmortizationAndAccretionNet_1832" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_1831" xlink:to="Locator_us-gaap_DepreciationAmortizationAndAccretionNet_1832" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_1833" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DeferredTaxesAndOther" xlink:label="Locator_axp_DeferredTaxesAndOther_1834" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_1833" xlink:to="Locator_axp_DeferredTaxesAndOther_1834" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_1835" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:label="Locator_us-gaap_ShareBasedCompensation_1836" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_1835" xlink:to="Locator_us-gaap_ShareBasedCompensation_1836" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_1837" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:label="Locator_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_1838" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_1837" xlink:to="Locator_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_1838" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:label="Locator_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_1839" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInOtherReceivables" xlink:label="Locator_us-gaap_IncreaseDecreaseInOtherReceivables_1840" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_1839" xlink:to="Locator_us-gaap_IncreaseDecreaseInOtherReceivables_1840" order="1.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:label="Locator_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_1841" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:label="Locator_us-gaap_IncreaseDecreaseInOtherOperatingAssets_1842" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_1841" xlink:to="Locator_us-gaap_IncreaseDecreaseInOtherOperatingAssets_1842" order="2.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:label="Locator_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_1843" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities" xlink:label="Locator_us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities_1844" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_1843" xlink:to="Locator_us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities_1844" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:label="Locator_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_1845" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInTravelersChequesOutstanding" xlink:label="Locator_axp_IncreaseDecreaseInTravelersChequesOutstanding_1846" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_1845" xlink:to="Locator_axp_IncreaseDecreaseInTravelersChequesOutstanding_1846" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:label="Locator_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_1847" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchange" xlink:label="Locator_axp_IncreaseDecreaseInDebtExchange_1848" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_1847" xlink:to="Locator_axp_IncreaseDecreaseInDebtExchange_1848" order="5.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:label="Locator_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_1849" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations" xlink:label="Locator_us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations_1850" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_1849" xlink:to="Locator_us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations_1850" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_1827" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1828" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_1827" xlink:to="Locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1828" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="Locator_us-gaap_StatementOfCashFlowsAbstract_1811" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1812" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfCashFlowsAbstract_1811" xlink:to="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1812" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1851" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:label="Locator_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_1852" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1851" xlink:to="Locator_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_1852" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1853" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:label="Locator_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_1854" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1853" xlink:to="Locator_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_1854" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1855" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireInvestments" xlink:label="Locator_us-gaap_PaymentsToAcquireInvestments_1856" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1855" xlink:to="Locator_us-gaap_PaymentsToAcquireInvestments_1856" order="3.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1857" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:label="Locator_us-gaap_PaymentsForProceedsFromLoansAndLeases_1858" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1857" xlink:to="Locator_us-gaap_PaymentsForProceedsFromLoansAndLeases_1858" order="4.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1859" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="Locator_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_1860" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1859" xlink:to="Locator_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_1860" order="5.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1861" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForProceedsFromBusinessesAndInterestInAffiliates" xlink:label="Locator_us-gaap_PaymentsForProceedsFromBusinessesAndInterestInAffiliates_1862" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1861" xlink:to="Locator_us-gaap_PaymentsForProceedsFromBusinessesAndInterestInAffiliates_1862" order="6.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1863" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInRestrictedCash" xlink:label="Locator_us-gaap_IncreaseDecreaseInRestrictedCash_1864" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1863" xlink:to="Locator_us-gaap_IncreaseDecreaseInRestrictedCash_1864" order="7.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1865" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations" xlink:label="Locator_us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations_1866" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1865" xlink:to="Locator_us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations_1866" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1867" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1868" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1867" xlink:to="Locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1868" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="Locator_us-gaap_StatementOfCashFlowsAbstract_1813" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1814" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfCashFlowsAbstract_1813" xlink:to="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1814" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1869" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInDeposits" xlink:label="Locator_us-gaap_IncreaseDecreaseInDeposits_1870" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1869" xlink:to="Locator_us-gaap_IncreaseDecreaseInDeposits_1870" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1871" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfShortTermDebt" xlink:label="Locator_us-gaap_ProceedsFromRepaymentsOfShortTermDebt_1872" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1871" xlink:to="Locator_us-gaap_ProceedsFromRepaymentsOfShortTermDebt_1872" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1873" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromIssuanceOfLongTermDebt" xlink:label="Locator_us-gaap_ProceedsFromIssuanceOfLongTermDebt_1874" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1873" xlink:to="Locator_us-gaap_ProceedsFromIssuanceOfLongTermDebt_1874" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1875" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepaymentsOfLongTermDebt" xlink:label="Locator_us-gaap_RepaymentsOfLongTermDebt_1876" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1875" xlink:to="Locator_us-gaap_RepaymentsOfLongTermDebt_1876" order="4.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1877" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:label="Locator_us-gaap_ProceedsFromIssuanceOfCommonStock_1878" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1877" xlink:to="Locator_us-gaap_ProceedsFromIssuanceOfCommonStock_1878" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1879" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:label="Locator_us-gaap_PaymentsForRepurchaseOfCommonStock_1880" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1879" xlink:to="Locator_us-gaap_PaymentsForRepurchaseOfCommonStock_1880" order="6.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1881" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsOfDividends" xlink:label="Locator_us-gaap_PaymentsOfDividends_1882" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1881" xlink:to="Locator_us-gaap_PaymentsOfDividends_1882" order="7.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1883" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations" xlink:label="Locator_us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations_1884" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1883" xlink:to="Locator_us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations_1884" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1885" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:label="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1886" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1885" xlink:to="Locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1886" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="Locator_us-gaap_StatementOfCashFlowsAbstract_1815" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents" xlink:label="Locator_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents_1816" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfCashFlowsAbstract_1815" xlink:to="Locator_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents_1816" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="Locator_us-gaap_StatementOfCashFlowsAbstract_1817" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="Locator_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_1818" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfCashFlowsAbstract_1817" xlink:to="Locator_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_1818" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="Locator_us-gaap_StatementOfCashFlowsAbstract_1819" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashCashEquivalentsAndFederalFundsSold" xlink:label="Locator_us-gaap_CashCashEquivalentsAndFederalFundsSold_1820" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfCashFlowsAbstract_1819" xlink:to="Locator_us-gaap_CashCashEquivalentsAndFederalFundsSold_1820" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="Locator_us-gaap_StatementOfCashFlowsAbstract_1821" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashCashEquivalentsAndFederalFundsSold" xlink:label="Locator_us-gaap_CashCashEquivalentsAndFederalFundsSold_1822" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfCashFlowsAbstract_1821" xlink:to="Locator_us-gaap_CashCashEquivalentsAndFederalFundsSold_1822" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/StatementConsolidatedBalanceSheetsParenthetical">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1949" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:label="Locator_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_1950" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1949" xlink:to="Locator_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_1950" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1951" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalents" xlink:label="Locator_us-gaap_RestrictedCashAndCashEquivalents_1952" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1951" xlink:to="Locator_us-gaap_RestrictedCashAndCashEquivalents_1952" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1953" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract" xlink:label="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_1954" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1953" xlink:to="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_1954" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract" xlink:label="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_1955" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResell" xlink:label="Locator_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_1956" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_1955" xlink:to="Locator_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_1956" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1957" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNetAbstract" xlink:label="Locator_us-gaap_AccountsReceivableNetAbstract_1958" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1957" xlink:to="Locator_us-gaap_AccountsReceivableNetAbstract_1958" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNetAbstract" xlink:label="Locator_us-gaap_AccountsReceivableNetAbstract_1959" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForDoubtfulAccountsReceivable" xlink:label="Locator_us-gaap_AllowanceForDoubtfulAccountsReceivable_1960" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsReceivableNetAbstract_1959" xlink:to="Locator_us-gaap_AllowanceForDoubtfulAccountsReceivable_1960" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNetAbstract" xlink:label="Locator_us-gaap_AccountsReceivableNetAbstract_1961" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherReceivablesReserves" xlink:label="Locator_axp_OtherReceivablesReserves_1962" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsReceivableNetAbstract_1961" xlink:to="Locator_axp_OtherReceivablesReserves_1962" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1963" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_1964" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_1963" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_1964" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_1965" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableAllowance_1966" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_1965" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableAllowance_1966" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_1967" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableOtherAllowance" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableOtherAllowance_1968" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_1967" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableOtherAllowance_1968" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract" xlink:label="Locator_us-gaap_StatementOfFinancialPositionAbstract_2063" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:label="Locator_us-gaap_ScheduleOfVariableInterestEntitiesTable_2064" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfFinancialPositionAbstract_2063" xlink:to="Locator_us-gaap_ScheduleOfVariableInterestEntitiesTable_2064" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:label="Locator_us-gaap_ScheduleOfVariableInterestEntitiesTable_2069" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_2070" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfVariableInterestEntitiesTable_2069" xlink:to="Locator_us-gaap_StatementLineItems_2070" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_1969" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NotesReceivableGross" xlink:label="Locator_us-gaap_NotesReceivableGross_1970" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_1969" xlink:to="Locator_us-gaap_NotesReceivableGross_1970" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_1971" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard_1972" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_1971" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard_1972" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_1973" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherAssets" xlink:label="Locator_us-gaap_OtherAssets_1974" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_1973" xlink:to="Locator_us-gaap_OtherAssets_1974" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_1975" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermBorrowings" xlink:label="Locator_us-gaap_ShortTermBorrowings_1976" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_1975" xlink:to="Locator_us-gaap_ShortTermBorrowings_1976" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_1977" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LongTermDebt" xlink:label="Locator_us-gaap_LongTermDebt_1978" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_1977" xlink:to="Locator_us-gaap_LongTermDebt_1978" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_1979" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_1980" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_1979" xlink:to="Locator_us-gaap_AssetsAbstract_1980" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_1981" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:label="Locator_us-gaap_CommonStockParOrStatedValuePerShare_1982" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_1981" xlink:to="Locator_us-gaap_CommonStockParOrStatedValuePerShare_1982" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_1983" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:label="Locator_us-gaap_CommonStockSharesAuthorized_1984" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_1983" xlink:to="Locator_us-gaap_CommonStockSharesAuthorized_1984" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_1985" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:label="Locator_us-gaap_CommonStockSharesIssued_1986" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_1985" xlink:to="Locator_us-gaap_CommonStockSharesIssued_1986" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_1987" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesOutstanding" xlink:label="Locator_us-gaap_CommonStockSharesOutstanding_1988" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_1987" xlink:to="Locator_us-gaap_CommonStockSharesOutstanding_1988" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:label="Locator_us-gaap_StatementLineItems_1989" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="Locator_us-gaap_StockholdersEquityAbstract_1990" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementLineItems_1989" xlink:to="Locator_us-gaap_StockholdersEquityAbstract_1990" order="11.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="Locator_us-gaap_StockholdersEquityAbstract_1991" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_1992" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityAbstract_1991" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_1992" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_1993" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:label="Locator_axp_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_1994" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_1993" xlink:to="Locator_axp_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_1994" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_1995" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccumulatedOtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesTax" xlink:label="Locator_axp_AccumulatedOtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesTax_1996" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_1995" xlink:to="Locator_axp_AccumulatedOtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesTax_1996" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_1997" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax" xlink:label="Locator_axp_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax_1998" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_1997" xlink:to="Locator_axp_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax_1998" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_1999" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansTax" xlink:label="Locator_axp_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansTax_2000" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_1999" xlink:to="Locator_axp_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansTax_2000" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:label="Locator_us-gaap_ScheduleOfVariableInterestEntitiesTable_2071" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:label="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_2072" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfVariableInterestEntitiesTable_2071" xlink:to="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_2072" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:label="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_2065" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:label="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_2066" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_2065" xlink:to="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_2066" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:label="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_2067" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:label="Locator_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_2068" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ClassificationOfVariableInterestEntityDomain_2067" xlink:to="Locator_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_2068" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/StatementConsolidatedBalanceSheets">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_2073" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract" xlink:label="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_2074" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_2073" xlink:to="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_2074" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract" xlink:label="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_2087" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndDueFromBanks" xlink:label="Locator_us-gaap_CashAndDueFromBanks_2088" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_2087" xlink:to="Locator_us-gaap_CashAndDueFromBanks_2088" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract" xlink:label="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_2089" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositsInBanks" xlink:label="Locator_us-gaap_InterestBearingDepositsInBanks_2090" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_2089" xlink:to="Locator_us-gaap_InterestBearingDepositsInBanks_2090" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract" xlink:label="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_2091" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashEquivalentsAtCarryingValue" xlink:label="Locator_us-gaap_CashEquivalentsAtCarryingValue_2092" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_2091" xlink:to="Locator_us-gaap_CashEquivalentsAtCarryingValue_2092" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract" xlink:label="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_2093" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashCashEquivalentsAndFederalFundsSold" xlink:label="Locator_us-gaap_CashCashEquivalentsAndFederalFundsSold_2094" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_2093" xlink:to="Locator_us-gaap_CashCashEquivalentsAndFederalFundsSold_2094" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_2075" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNetAbstract" xlink:label="Locator_us-gaap_AccountsReceivableNetAbstract_2076" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_2075" xlink:to="Locator_us-gaap_AccountsReceivableNetAbstract_2076" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNetAbstract" xlink:label="Locator_us-gaap_AccountsReceivableNetAbstract_2095" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNet" xlink:label="Locator_us-gaap_AccountsReceivableNet_2096" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsReceivableNetAbstract_2095" xlink:to="Locator_us-gaap_AccountsReceivableNet_2096" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNetAbstract" xlink:label="Locator_us-gaap_AccountsReceivableNetAbstract_2097" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherReceivables" xlink:label="Locator_us-gaap_OtherReceivables_2098" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsReceivableNetAbstract_2097" xlink:to="Locator_us-gaap_OtherReceivables_2098" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_2077" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_2078" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_2077" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_2078" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_2099" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmount_2100" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_2099" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmount_2100" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_2101" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountOther" xlink:label="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountOther_2102" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_2101" xlink:to="Locator_us-gaap_LoansAndLeasesReceivableNetReportedAmountOther_2102" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_2079" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:label="Locator_us-gaap_AvailableForSaleSecurities_2080" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_2079" xlink:to="Locator_us-gaap_AvailableForSaleSecurities_2080" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_2081" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="Locator_us-gaap_PropertyPlantAndEquipmentNet_2082" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_2081" xlink:to="Locator_us-gaap_PropertyPlantAndEquipmentNet_2082" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_2083" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherAssets" xlink:label="Locator_us-gaap_OtherAssets_2084" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_2083" xlink:to="Locator_us-gaap_OtherAssets_2084" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_2085" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Assets" xlink:label="Locator_us-gaap_Assets_2086" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AssetsAbstract_2085" xlink:to="Locator_us-gaap_Assets_2086" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_2103" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:label="Locator_us-gaap_Deposits_2104" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAbstract_2103" xlink:to="Locator_us-gaap_Deposits_2104" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_2105" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TravelersChequesOutstanding" xlink:label="Locator_axp_TravelersChequesOutstanding_2106" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAbstract_2105" xlink:to="Locator_axp_TravelersChequesOutstanding_2106" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_2107" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsPayableCurrentAndNoncurrent" xlink:label="Locator_us-gaap_AccountsPayableCurrentAndNoncurrent_2108" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAbstract_2107" xlink:to="Locator_us-gaap_AccountsPayableCurrentAndNoncurrent_2108" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_2109" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermBorrowings" xlink:label="Locator_us-gaap_ShortTermBorrowings_2110" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAbstract_2109" xlink:to="Locator_us-gaap_ShortTermBorrowings_2110" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_2111" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LongTermDebt" xlink:label="Locator_us-gaap_LongTermDebt_2112" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAbstract_2111" xlink:to="Locator_us-gaap_LongTermDebt_2112" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_2113" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherLiabilities" xlink:label="Locator_us-gaap_OtherLiabilities_2114" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAbstract_2113" xlink:to="Locator_us-gaap_OtherLiabilities_2114" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_2115" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Liabilities" xlink:label="Locator_us-gaap_Liabilities_2116" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAbstract_2115" xlink:to="Locator_us-gaap_Liabilities_2116" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="Locator_us-gaap_StockholdersEquityAbstract_2117" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockValue" xlink:label="Locator_us-gaap_CommonStockValue_2118" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityAbstract_2117" xlink:to="Locator_us-gaap_CommonStockValue_2118" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="Locator_us-gaap_StockholdersEquityAbstract_2119" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdditionalPaidInCapital" xlink:label="Locator_us-gaap_AdditionalPaidInCapital_2120" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityAbstract_2119" xlink:to="Locator_us-gaap_AdditionalPaidInCapital_2120" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="Locator_us-gaap_StockholdersEquityAbstract_2121" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="Locator_us-gaap_RetainedEarningsAccumulatedDeficit_2122" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityAbstract_2121" xlink:to="Locator_us-gaap_RetainedEarningsAccumulatedDeficit_2122" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="Locator_us-gaap_StockholdersEquityAbstract_2123" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_2124" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityAbstract_2123" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_2124" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_2127" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_2128" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_2127" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_2128" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_2129" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossCumulativeChangesInNetGainLossFromCashFlowHedgesEffectNetOfTax" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossCumulativeChangesInNetGainLossFromCashFlowHedgesEffectNetOfTax_2130" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_2129" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossCumulativeChangesInNetGainLossFromCashFlowHedgesEffectNetOfTax_2130" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_2131" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax_2132" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_2131" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax_2132" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_2133" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax_2134" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_2133" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax_2134" order="4.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_2135" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_2136" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_2135" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_2136" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="Locator_us-gaap_StockholdersEquityAbstract_2125" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="Locator_us-gaap_StockholdersEquity_2126" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StockholdersEquityAbstract_2125" xlink:to="Locator_us-gaap_StockholdersEquity_2126" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract" xlink:label="Locator_us-gaap_StatementOfFinancialPositionAbstract_2137" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="Locator_us-gaap_AssetsAbstract_2138" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfFinancialPositionAbstract_2137" xlink:to="Locator_us-gaap_AssetsAbstract_2138" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract" xlink:label="Locator_us-gaap_StatementOfFinancialPositionAbstract_2139" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_2140" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfFinancialPositionAbstract_2139" xlink:to="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_2140" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_2141" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_2142" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_2141" xlink:to="Locator_us-gaap_LiabilitiesAbstract_2142" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_2143" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommitmentsAndContingencies" xlink:label="Locator_us-gaap_CommitmentsAndContingencies_2144" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_2143" xlink:to="Locator_us-gaap_CommitmentsAndContingencies_2144" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_2145" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="Locator_us-gaap_StockholdersEquityAbstract_2146" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_2145" xlink:to="Locator_us-gaap_StockholdersEquityAbstract_2146" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_2147" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="Locator_us-gaap_LiabilitiesAndStockholdersEquity_2148" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAndStockholdersEquityAbstract_2147" xlink:to="Locator_us-gaap_LiabilitiesAndStockholdersEquity_2148" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/StatementConsolidatedStatementsOfIncome">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_2203" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RevenuesAbstract" xlink:label="Locator_us-gaap_RevenuesAbstract_2204" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_2203" xlink:to="Locator_us-gaap_RevenuesAbstract_2204" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RevenuesAbstract" xlink:label="Locator_us-gaap_RevenuesAbstract_2231" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="Locator_us-gaap_NoninterestIncomeAbstract_2232" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RevenuesAbstract_2231" xlink:to="Locator_us-gaap_NoninterestIncomeAbstract_2232" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="Locator_us-gaap_NoninterestIncomeAbstract_2237" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DiscountRevenue" xlink:label="Locator_axp_DiscountRevenue_2238" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestIncomeAbstract_2237" xlink:to="Locator_axp_DiscountRevenue_2238" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="Locator_us-gaap_NoninterestIncomeAbstract_2239" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsCreditCards" xlink:label="Locator_us-gaap_FeesAndCommissionsCreditCards_2240" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestIncomeAbstract_2239" xlink:to="Locator_us-gaap_FeesAndCommissionsCreditCards_2240" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="Locator_us-gaap_NoninterestIncomeAbstract_2241" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TravelCommissionsAndFees" xlink:label="Locator_axp_TravelCommissionsAndFees_2242" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestIncomeAbstract_2241" xlink:to="Locator_axp_TravelCommissionsAndFees_2242" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="Locator_us-gaap_NoninterestIncomeAbstract_2243" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsOther" xlink:label="Locator_us-gaap_FeesAndCommissionsOther_2244" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestIncomeAbstract_2243" xlink:to="Locator_us-gaap_FeesAndCommissionsOther_2244" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="Locator_us-gaap_NoninterestIncomeAbstract_2245" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:label="Locator_us-gaap_NoninterestIncomeOtherOperatingIncome_2246" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestIncomeAbstract_2245" xlink:to="Locator_us-gaap_NoninterestIncomeOtherOperatingIncome_2246" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="Locator_us-gaap_NoninterestIncomeAbstract_2247" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="Locator_us-gaap_NoninterestIncome_2248" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestIncomeAbstract_2247" xlink:to="Locator_us-gaap_NoninterestIncome_2248" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RevenuesAbstract" xlink:label="Locator_us-gaap_RevenuesAbstract_2233" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:label="Locator_us-gaap_InterestAndDividendIncomeOperatingAbstract_2234" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RevenuesAbstract_2233" xlink:to="Locator_us-gaap_InterestAndDividendIncomeOperatingAbstract_2234" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:label="Locator_us-gaap_InterestAndDividendIncomeOperatingAbstract_2249" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:label="Locator_us-gaap_InterestAndFeeIncomeLoansAndLeases_2250" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InterestAndDividendIncomeOperatingAbstract_2249" xlink:to="Locator_us-gaap_InterestAndFeeIncomeLoansAndLeases_2250" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:label="Locator_us-gaap_InterestAndDividendIncomeOperatingAbstract_2251" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeSecurities" xlink:label="Locator_us-gaap_InterestAndDividendIncomeSecurities_2252" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InterestAndDividendIncomeOperatingAbstract_2251" xlink:to="Locator_us-gaap_InterestAndDividendIncomeSecurities_2252" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:label="Locator_us-gaap_InterestAndDividendIncomeOperatingAbstract_2253" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeDepositsWithFinancialInstitutions" xlink:label="Locator_us-gaap_InterestIncomeDepositsWithFinancialInstitutions_2254" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InterestAndDividendIncomeOperatingAbstract_2253" xlink:to="Locator_us-gaap_InterestIncomeDepositsWithFinancialInstitutions_2254" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:label="Locator_us-gaap_InterestAndDividendIncomeOperatingAbstract_2255" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:label="Locator_us-gaap_InterestAndDividendIncomeOperating_2256" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InterestAndDividendIncomeOperatingAbstract_2255" xlink:to="Locator_us-gaap_InterestAndDividendIncomeOperating_2256" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RevenuesAbstract" xlink:label="Locator_us-gaap_RevenuesAbstract_2235" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:label="Locator_us-gaap_InterestExpenseAbstract_2236" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_RevenuesAbstract_2235" xlink:to="Locator_us-gaap_InterestExpenseAbstract_2236" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:label="Locator_us-gaap_InterestExpenseAbstract_2257" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDeposits" xlink:label="Locator_us-gaap_InterestExpenseDeposits_2258" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InterestExpenseAbstract_2257" xlink:to="Locator_us-gaap_InterestExpenseDeposits_2258" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:label="Locator_us-gaap_InterestExpenseAbstract_2259" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseShortTermBorrowings" xlink:label="Locator_us-gaap_InterestExpenseShortTermBorrowings_2260" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InterestExpenseAbstract_2259" xlink:to="Locator_us-gaap_InterestExpenseShortTermBorrowings_2260" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:label="Locator_us-gaap_InterestExpenseAbstract_2261" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseLongTermDebt" xlink:label="Locator_us-gaap_InterestExpenseLongTermDebt_2262" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InterestExpenseAbstract_2261" xlink:to="Locator_us-gaap_InterestExpenseLongTermDebt_2262" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:label="Locator_us-gaap_InterestExpenseAbstract_2263" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpense" xlink:label="Locator_us-gaap_InterestExpense_2264" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InterestExpenseAbstract_2263" xlink:to="Locator_us-gaap_InterestExpense_2264" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:label="Locator_us-gaap_InterestExpenseAbstract_2265" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="Locator_us-gaap_InterestIncomeExpenseNet_2266" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_InterestExpenseAbstract_2265" xlink:to="Locator_us-gaap_InterestIncomeExpenseNet_2266" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_2205" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TotalRevenuesNetOfInterestExpense" xlink:label="Locator_axp_TotalRevenuesNetOfInterestExpense_2206" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_2205" xlink:to="Locator_axp_TotalRevenuesNetOfInterestExpense_2206" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_2207" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLossesAbstract" xlink:label="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLossesAbstract_2208" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_2207" xlink:to="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLossesAbstract_2208" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLossesAbstract" xlink:label="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLossesAbstract_2267" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForDoubtfulAccounts" xlink:label="Locator_us-gaap_ProvisionForDoubtfulAccounts_2268" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLossesAbstract_2267" xlink:to="Locator_us-gaap_ProvisionForDoubtfulAccounts_2268" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLossesAbstract" xlink:label="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLossesAbstract_2269" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanAndLeaseLosses" xlink:label="Locator_us-gaap_ProvisionForLoanAndLeaseLosses_2270" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLossesAbstract_2269" xlink:to="Locator_us-gaap_ProvisionForLoanAndLeaseLosses_2270" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLossesAbstract" xlink:label="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLossesAbstract_2271" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForOtherLosses" xlink:label="Locator_us-gaap_ProvisionForOtherLosses_2272" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLossesAbstract_2271" xlink:to="Locator_us-gaap_ProvisionForOtherLosses_2272" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLossesAbstract" xlink:label="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLossesAbstract_2273" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:label="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLosses_2274" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLossesAbstract_2273" xlink:to="Locator_us-gaap_ProvisionForLoanLeaseAndOtherLosses_2274" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_2209" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses" xlink:label="Locator_axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses_2210" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_2209" xlink:to="Locator_axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses_2210" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_2211" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="Locator_us-gaap_NoninterestExpenseAbstract_2212" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_2211" xlink:to="Locator_us-gaap_NoninterestExpenseAbstract_2212" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="Locator_us-gaap_NoninterestExpenseAbstract_2275" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_MarketingPromotionRewardsAndCardmemberServices" xlink:label="Locator_axp_MarketingPromotionRewardsAndCardmemberServices_2276" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestExpenseAbstract_2275" xlink:to="Locator_axp_MarketingPromotionRewardsAndCardmemberServices_2276" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="Locator_us-gaap_NoninterestExpenseAbstract_2277" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:label="Locator_us-gaap_LaborAndRelatedExpense_2278" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestExpenseAbstract_2277" xlink:to="Locator_us-gaap_LaborAndRelatedExpense_2278" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="Locator_us-gaap_NoninterestExpenseAbstract_2279" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="Locator_us-gaap_OtherNoninterestExpense_2280" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestExpenseAbstract_2279" xlink:to="Locator_us-gaap_OtherNoninterestExpense_2280" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="Locator_us-gaap_NoninterestExpenseAbstract_2281" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="Locator_us-gaap_NoninterestExpense_2282" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_NoninterestExpenseAbstract_2281" xlink:to="Locator_us-gaap_NoninterestExpense_2282" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_2213" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="Locator_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_2214" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_2213" xlink:to="Locator_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_2214" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_2215" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="Locator_us-gaap_IncomeTaxExpenseBenefit_2216" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_2215" xlink:to="Locator_us-gaap_IncomeTaxExpenseBenefit_2216" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_2217" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperations" xlink:label="Locator_us-gaap_IncomeLossFromContinuingOperations_2218" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_2217" xlink:to="Locator_us-gaap_IncomeLossFromContinuingOperations_2218" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_2219" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax" xlink:label="Locator_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_2220" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_2219" xlink:to="Locator_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_2220" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_2221" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="Locator_us-gaap_NetIncomeLoss_2222" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_2221" xlink:to="Locator_us-gaap_NetIncomeLoss_2222" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_2223" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasicAbstract" xlink:label="Locator_us-gaap_EarningsPerShareBasicAbstract_2224" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_2223" xlink:to="Locator_us-gaap_EarningsPerShareBasicAbstract_2224" order="11.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasicAbstract" xlink:label="Locator_us-gaap_EarningsPerShareBasicAbstract_2283" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsPerBasicShare" xlink:label="Locator_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_2284" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareBasicAbstract_2283" xlink:to="Locator_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_2284" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasicAbstract" xlink:label="Locator_us-gaap_EarningsPerShareBasicAbstract_2285" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare" xlink:label="Locator_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare_2286" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareBasicAbstract_2285" xlink:to="Locator_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare_2286" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasicAbstract" xlink:label="Locator_us-gaap_EarningsPerShareBasicAbstract_2287" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:label="Locator_us-gaap_EarningsPerShareBasic_2288" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareBasicAbstract_2287" xlink:to="Locator_us-gaap_EarningsPerShareBasic_2288" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_2225" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDilutedAbstract" xlink:label="Locator_us-gaap_EarningsPerShareDilutedAbstract_2226" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_2225" xlink:to="Locator_us-gaap_EarningsPerShareDilutedAbstract_2226" order="12.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDilutedAbstract" xlink:label="Locator_us-gaap_EarningsPerShareDilutedAbstract_2289" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare" xlink:label="Locator_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_2290" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareDilutedAbstract_2289" xlink:to="Locator_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_2290" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDilutedAbstract" xlink:label="Locator_us-gaap_EarningsPerShareDilutedAbstract_2291" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare" xlink:label="Locator_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare_2292" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareDilutedAbstract_2291" xlink:to="Locator_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare_2292" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDilutedAbstract" xlink:label="Locator_us-gaap_EarningsPerShareDilutedAbstract_2293" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:label="Locator_us-gaap_EarningsPerShareDiluted_2294" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EarningsPerShareDilutedAbstract_2293" xlink:to="Locator_us-gaap_EarningsPerShareDiluted_2294" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_2227" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract" xlink:label="Locator_axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract_2228" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_2227" xlink:to="Locator_axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract_2228" order="13.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract" xlink:label="Locator_axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract_2295" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="Locator_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_2296" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract_2295" xlink:to="Locator_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_2296" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract" xlink:label="Locator_axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract_2297" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="Locator_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_2298" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract_2297" xlink:to="Locator_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_2298" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="Locator_us-gaap_IncomeStatementAbstract_2229" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockDividendsPerShareDeclared" xlink:label="Locator_us-gaap_CommonStockDividendsPerShareDeclared_2230" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_IncomeStatementAbstract_2229" xlink:to="Locator_us-gaap_CommonStockDividendsPerShareDeclared_2230" order="14.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DocumentDocumentAndEntityInformation">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DocumentAndEntityInformationAbstract" xlink:label="Locator_axp_DocumentAndEntityInformationAbstract_2365" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityRegistrantName" xlink:label="Locator_dei_EntityRegistrantName_2366" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DocumentAndEntityInformationAbstract_2365" xlink:to="Locator_dei_EntityRegistrantName_2366" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DocumentAndEntityInformationAbstract" xlink:label="Locator_axp_DocumentAndEntityInformationAbstract_2367" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityCentralIndexKey" xlink:label="Locator_dei_EntityCentralIndexKey_2368" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DocumentAndEntityInformationAbstract_2367" xlink:to="Locator_dei_EntityCentralIndexKey_2368" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DocumentAndEntityInformationAbstract" xlink:label="Locator_axp_DocumentAndEntityInformationAbstract_2369" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_DocumentType" xlink:label="Locator_dei_DocumentType_2370" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DocumentAndEntityInformationAbstract_2369" xlink:to="Locator_dei_DocumentType_2370" order="3.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DocumentAndEntityInformationAbstract" xlink:label="Locator_axp_DocumentAndEntityInformationAbstract_2371" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_DocumentPeriodEndDate" xlink:label="Locator_dei_DocumentPeriodEndDate_2372" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DocumentAndEntityInformationAbstract_2371" xlink:to="Locator_dei_DocumentPeriodEndDate_2372" order="4.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DocumentAndEntityInformationAbstract" xlink:label="Locator_axp_DocumentAndEntityInformationAbstract_2373" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_AmendmentFlag" xlink:label="Locator_dei_AmendmentFlag_2374" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DocumentAndEntityInformationAbstract_2373" xlink:to="Locator_dei_AmendmentFlag_2374" order="5.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DocumentAndEntityInformationAbstract" xlink:label="Locator_axp_DocumentAndEntityInformationAbstract_2375" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_DocumentFiscalYearFocus" xlink:label="Locator_dei_DocumentFiscalYearFocus_2376" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DocumentAndEntityInformationAbstract_2375" xlink:to="Locator_dei_DocumentFiscalYearFocus_2376" order="6.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DocumentAndEntityInformationAbstract" xlink:label="Locator_axp_DocumentAndEntityInformationAbstract_2377" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="Locator_dei_DocumentFiscalPeriodFocus_2378" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DocumentAndEntityInformationAbstract_2377" xlink:to="Locator_dei_DocumentFiscalPeriodFocus_2378" order="7.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DocumentAndEntityInformationAbstract" xlink:label="Locator_axp_DocumentAndEntityInformationAbstract_2379" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_CurrentFiscalYearEndDate" xlink:label="Locator_dei_CurrentFiscalYearEndDate_2380" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DocumentAndEntityInformationAbstract_2379" xlink:to="Locator_dei_CurrentFiscalYearEndDate_2380" order="8.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DocumentAndEntityInformationAbstract" xlink:label="Locator_axp_DocumentAndEntityInformationAbstract_2381" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="Locator_dei_EntityWellKnownSeasonedIssuer_2382" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DocumentAndEntityInformationAbstract_2381" xlink:to="Locator_dei_EntityWellKnownSeasonedIssuer_2382" order="9.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DocumentAndEntityInformationAbstract" xlink:label="Locator_axp_DocumentAndEntityInformationAbstract_2383" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityVoluntaryFilers" xlink:label="Locator_dei_EntityVoluntaryFilers_2384" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DocumentAndEntityInformationAbstract_2383" xlink:to="Locator_dei_EntityVoluntaryFilers_2384" order="10.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DocumentAndEntityInformationAbstract" xlink:label="Locator_axp_DocumentAndEntityInformationAbstract_2385" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityCurrentReportingStatus" xlink:label="Locator_dei_EntityCurrentReportingStatus_2386" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DocumentAndEntityInformationAbstract_2385" xlink:to="Locator_dei_EntityCurrentReportingStatus_2386" order="11.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DocumentAndEntityInformationAbstract" xlink:label="Locator_axp_DocumentAndEntityInformationAbstract_2387" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityFilerCategory" xlink:label="Locator_dei_EntityFilerCategory_2388" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DocumentAndEntityInformationAbstract_2387" xlink:to="Locator_dei_EntityFilerCategory_2388" order="12.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DocumentAndEntityInformationAbstract" xlink:label="Locator_axp_DocumentAndEntityInformationAbstract_2389" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityPublicFloat" xlink:label="Locator_dei_EntityPublicFloat_2390" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DocumentAndEntityInformationAbstract_2389" xlink:to="Locator_dei_EntityPublicFloat_2390" order="13.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DocumentAndEntityInformationAbstract" xlink:label="Locator_axp_DocumentAndEntityInformationAbstract_2391" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="Locator_dei_EntityCommonStockSharesOutstanding_2392" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DocumentAndEntityInformationAbstract_2391" xlink:to="Locator_dei_EntityCommonStockSharesOutstanding_2392" order="14.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DocumentAndEntityInformationAbstract" xlink:label="Locator_axp_DocumentAndEntityInformationAbstract_2393" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_AmendmentDescription" xlink:label="Locator_dei_AmendmentDescription_2394" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DocumentAndEntityInformationAbstract_2393" xlink:to="Locator_dei_AmendmentDescription_2394" order="15.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureInvestmentSecuritiesTables">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentSecuritiesTablesAbstract" xlink:label="Locator_axp_InvestmentSecuritiesTablesAbstract_2395" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock_2396" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_InvestmentSecuritiesTablesAbstract_2395" xlink:to="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock_2396" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentSecuritiesTablesAbstract" xlink:label="Locator_axp_InvestmentSecuritiesTablesAbstract_2397" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock" xlink:label="Locator_us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock_2398" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_InvestmentSecuritiesTablesAbstract_2397" xlink:to="Locator_us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock_2398" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentSecuritiesTablesAbstract" xlink:label="Locator_axp_InvestmentSecuritiesTablesAbstract_2399" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AvailableForSaleSecuritiesRatioOfFairValueToAmortizedCostTextBlock" xlink:label="Locator_axp_AvailableForSaleSecuritiesRatioOfFairValueToAmortizedCostTextBlock_2400" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_InvestmentSecuritiesTablesAbstract_2399" xlink:to="Locator_axp_AvailableForSaleSecuritiesRatioOfFairValueToAmortizedCostTextBlock_2400" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentSecuritiesTablesAbstract" xlink:label="Locator_axp_InvestmentSecuritiesTablesAbstract_2401" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnInvestmentsTextBlock" xlink:label="Locator_us-gaap_GainLossOnInvestmentsTextBlock_2402" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_InvestmentSecuritiesTablesAbstract_2401" xlink:to="Locator_us-gaap_GainLossOnInvestmentsTextBlock_2402" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentSecuritiesTablesAbstract" xlink:label="Locator_axp_InvestmentSecuritiesTablesAbstract_2403" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:label="Locator_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_2404" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_InvestmentSecuritiesTablesAbstract_2403" xlink:to="Locator_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_2404" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetails">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentSecuritiesDetailsAbstract" xlink:label="Locator_axp_InvestmentSecuritiesDetailsAbstract_2447" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2448" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_InvestmentSecuritiesDetailsAbstract_2447" xlink:to="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2448" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2451" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_2452" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2451" xlink:to="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_2452" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_2453" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2454" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_2453" xlink:to="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2454" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2455" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:label="Locator_us-gaap_USStatesAndPoliticalSubdivisionsMember_2456" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2455" xlink:to="Locator_us-gaap_USStatesAndPoliticalSubdivisionsMember_2456" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2457" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:label="Locator_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_2458" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2457" xlink:to="Locator_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_2458" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2459" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USTreasurySecuritiesMember" xlink:label="Locator_us-gaap_USTreasurySecuritiesMember_2460" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2459" xlink:to="Locator_us-gaap_USTreasurySecuritiesMember_2460" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2461" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateDebtSecuritiesMember" xlink:label="Locator_us-gaap_CorporateDebtSecuritiesMember_2462" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2461" xlink:to="Locator_us-gaap_CorporateDebtSecuritiesMember_2462" order="4.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2463" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:label="Locator_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_2464" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2463" xlink:to="Locator_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_2464" order="5.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2465" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquitySecuritiesMember" xlink:label="Locator_us-gaap_EquitySecuritiesMember_2466" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2465" xlink:to="Locator_us-gaap_EquitySecuritiesMember_2466" order="6.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2467" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ForeignGovernmentDebtSecuritiesMember" xlink:label="Locator_us-gaap_ForeignGovernmentDebtSecuritiesMember_2468" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2467" xlink:to="Locator_us-gaap_ForeignGovernmentDebtSecuritiesMember_2468" order="7.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2469" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AvailabeForSaleSecuritiesOtherMember" xlink:label="Locator_axp_AvailabeForSaleSecuritiesOtherMember_2470" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2469" xlink:to="Locator_axp_AvailabeForSaleSecuritiesOtherMember_2470" order="8.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2449" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2450" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2449" xlink:to="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2450" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2405" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract_2406" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2405" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract_2406" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract_2407" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesAmortizedCost_2408" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract_2407" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesAmortizedCost_2408" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract_2409" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains_2410" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract_2409" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains_2410" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract_2411" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss_2412" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract_2411" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss_2412" order="3.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract_2413" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:label="Locator_us-gaap_AvailableForSaleSecurities_2414" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract_2413" xlink:to="Locator_us-gaap_AvailableForSaleSecurities_2414" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/ChangesInAccumulatedOtherComprehensiveLossIncome">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DisclosureTextBlockAbstract" xlink:label="Locator_us-gaap_DisclosureTextBlockAbstract_2471" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:label="Locator_us-gaap_ComprehensiveIncomeNoteTextBlock_2472" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DisclosureTextBlockAbstract_2471" xlink:to="Locator_us-gaap_ComprehensiveIncomeNoteTextBlock_2472" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureChangesInAccumulatedOtherComprehensiveLossIncomeTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAbstract" xlink:label="Locator_us-gaap_ComprehensiveIncomeNetOfTaxAbstract_2473" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock" xlink:label="Locator_us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock_2474" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComprehensiveIncomeNetOfTaxAbstract_2473" xlink:to="Locator_us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock_2474" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAbstract" xlink:label="Locator_us-gaap_ComprehensiveIncomeNetOfTaxAbstract_2475" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock_2476" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComprehensiveIncomeNetOfTaxAbstract_2475" xlink:to="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock_2476" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureChangesInAccumulatedOtherComprehensiveLossIncomeDetails">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAbstract" xlink:label="Locator_us-gaap_ComprehensiveIncomeNetOfTaxAbstract_2497" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_2498" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComprehensiveIncomeNetOfTaxAbstract_2497" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_2498" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_2531" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_2532" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_2531" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_2532" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_2477" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2478" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_2477" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2478" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2483" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax" xlink:label="Locator_axp_OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax_2484" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2483" xlink:to="Locator_axp_OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax_2484" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2485" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax" xlink:label="Locator_axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax_2486" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2485" xlink:to="Locator_axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax_2486" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2487" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease" xlink:label="Locator_axp_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease_2488" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2487" xlink:to="Locator_axp_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease_2488" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2489" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax" xlink:label="Locator_axp_OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax_2490" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2489" xlink:to="Locator_axp_OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax_2490" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2491" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent_2492" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2491" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent_2492" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2493" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeNetChangeNetOfTax" xlink:label="Locator_axp_OtherComprehensiveIncomeNetChangeNetOfTax_2494" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2493" xlink:to="Locator_axp_OtherComprehensiveIncomeNetChangeNetOfTax_2494" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2481" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_2482" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2481" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_2482" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2495" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_2496" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_2495" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_2496" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_2533" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="Locator_us-gaap_StatementEquityComponentsAxis_2534" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_2533" xlink:to="Locator_us-gaap_StatementEquityComponentsAxis_2534" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="Locator_us-gaap_StatementEquityComponentsAxis_2535" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_2536" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementEquityComponentsAxis_2535" xlink:to="Locator_us-gaap_EquityComponentDomain_2536" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_2545" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" xlink:label="Locator_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember_2546" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityComponentDomain_2545" xlink:to="Locator_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember_2546" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_2539" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:label="Locator_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_2540" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityComponentDomain_2539" xlink:to="Locator_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_2540" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_2541" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedNetGainLossFromDesignatedOrQualifyingCashFlowHedgesMember" xlink:label="Locator_us-gaap_AccumulatedNetGainLossFromDesignatedOrQualifyingCashFlowHedgesMember_2542" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityComponentDomain_2541" xlink:to="Locator_us-gaap_AccumulatedNetGainLossFromDesignatedOrQualifyingCashFlowHedgesMember_2542" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_2543" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedTranslationAdjustmentMember" xlink:label="Locator_us-gaap_AccumulatedTranslationAdjustmentMember_2544" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityComponentDomain_2543" xlink:to="Locator_us-gaap_AccumulatedTranslationAdjustmentMember_2544" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_2537" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeMember_2538" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityComponentDomain_2537" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeMember_2538" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureSummaryOfSignificantAccountingPolicies">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DisclosureTextBlockAbstract" xlink:label="Locator_us-gaap_DisclosureTextBlockAbstract_2547" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:label="Locator_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_2548" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_DisclosureTextBlockAbstract_2547" xlink:to="Locator_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_2548" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureContingenciesDetailsTextuals">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingencyAbstract" xlink:label="Locator_us-gaap_LossContingencyAbstract_2549" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingencyEstimateAbstract" xlink:label="Locator_us-gaap_LossContingencyEstimateAbstract_2550" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LossContingencyAbstract_2549" xlink:to="Locator_us-gaap_LossContingencyEstimateAbstract_2550" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingencyEstimateAbstract" xlink:label="Locator_us-gaap_LossContingencyEstimateAbstract_2551" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingencyRangeOfPossibleLossMinimum" xlink:label="Locator_us-gaap_LossContingencyRangeOfPossibleLossMinimum_2552" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LossContingencyEstimateAbstract_2551" xlink:to="Locator_us-gaap_LossContingencyRangeOfPossibleLossMinimum_2552" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingencyEstimateAbstract" xlink:label="Locator_us-gaap_LossContingencyEstimateAbstract_2553" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingencyRangeOfPossibleLossMaximum" xlink:label="Locator_us-gaap_LossContingencyRangeOfPossibleLossMaximum_2554" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LossContingencyEstimateAbstract_2553" xlink:to="Locator_us-gaap_LossContingencyRangeOfPossibleLossMaximum_2554" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetails2">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InvestmentSecuritiesDetailsAbstract" xlink:label="Locator_axp_InvestmentSecuritiesDetailsAbstract_2631" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2632" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_InvestmentSecuritiesDetailsAbstract_2631" xlink:to="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2632" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2633" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2634" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2633" xlink:to="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2634" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2555" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_2556" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_2555" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_2556" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_2557" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract_2558" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_2557" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract_2558" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract_2559" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear_2560" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract_2559" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear_2560" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract_2561" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear" xlink:label="Locator_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear_2562" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract_2561" xlink:to="Locator_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear_2562" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract_2563" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1" xlink:label="Locator_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1_2564" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract_2563" xlink:to="Locator_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1_2564" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_2565" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2566" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_2565" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2566" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2567" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_2568" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2567" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_2568" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2569" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_2570" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2569" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_2570" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2571" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_2572" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_2571" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_2572" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_2573" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2574" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_2573" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2574" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2575" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses_2576" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2575" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses_2576" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2577" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses_2578" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2577" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses_2578" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2579" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses" xlink:label="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses_2580" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract_2579" xlink:to="Locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses_2580" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2635" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostAxis" xlink:label="Locator_axp_RatioOfFairValueToAmortizedCostAxis_2636" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_2635" xlink:to="Locator_axp_RatioOfFairValueToAmortizedCostAxis_2636" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostAxis" xlink:label="Locator_axp_RatioOfFairValueToAmortizedCostAxis_2637" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostDomain" xlink:label="Locator_axp_RatioOfFairValueToAmortizedCostDomain_2638" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_RatioOfFairValueToAmortizedCostAxis_2637" xlink:to="Locator_axp_RatioOfFairValueToAmortizedCostDomain_2638" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostDomain" xlink:label="Locator_axp_RatioOfFairValueToAmortizedCostDomain_2639" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember" xlink:label="Locator_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember_2640" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_RatioOfFairValueToAmortizedCostDomain_2639" xlink:to="Locator_axp_RatioOfFairValueToAmortizedCostBetweenNinetyAndOneHundredPercentMember_2640" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostDomain" xlink:label="Locator_axp_RatioOfFairValueToAmortizedCostDomain_2641" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember" xlink:label="Locator_axp_RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember_2642" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_RatioOfFairValueToAmortizedCostDomain_2641" xlink:to="Locator_axp_RatioOfFairValueToAmortizedCostLessThanNinetyPercentMember_2642" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureReservesForLossesDetails1">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract" xlink:label="Locator_axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract_2643" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:label="Locator_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment_2644" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract_2643" xlink:to="Locator_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment_2644" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract" xlink:label="Locator_axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract_2645" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_2646" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract_2645" xlink:to="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_2646" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract" xlink:label="Locator_axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract_2647" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" xlink:label="Locator_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment_2648" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract_2647" xlink:to="Locator_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment_2648" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract" xlink:label="Locator_axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract_2649" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" xlink:label="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_2650" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract_2649" xlink:to="Locator_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_2650" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureReservesForLossesDetails3">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract" xlink:label="Locator_axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract_2651" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansEvaluatedSeparatelyForImpairment" xlink:label="Locator_axp_CardmemberLoansEvaluatedSeparatelyForImpairment_2652" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract_2651" xlink:to="Locator_axp_CardmemberLoansEvaluatedSeparatelyForImpairment_2652" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract" xlink:label="Locator_axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract_2653" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesOnCardmemberLoansEvaluatedSeparatelyForImpairment" xlink:label="Locator_axp_ReservesOnCardmemberLoansEvaluatedSeparatelyForImpairment_2654" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract_2653" xlink:to="Locator_axp_ReservesOnCardmemberLoansEvaluatedSeparatelyForImpairment_2654" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract" xlink:label="Locator_axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract_2655" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansEvaluatedCollectivelyForImpairment" xlink:label="Locator_axp_CardmemberLoansEvaluatedCollectivelyForImpairment_2656" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract_2655" xlink:to="Locator_axp_CardmemberLoansEvaluatedCollectivelyForImpairment_2656" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract" xlink:label="Locator_axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract_2657" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ReservesOnCardmemberLoansEvaluatedCollectivelyForImpairment" xlink:label="Locator_axp_ReservesOnCardmemberLoansEvaluatedCollectivelyForImpairment_2658" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract_2657" xlink:to="Locator_axp_ReservesOnCardmemberLoansEvaluatedCollectivelyForImpairment_2658" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/StatementConsolidatedStatementsOfCashFlowsParenthetical">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="Locator_us-gaap_StatementOfCashFlowsAbstract_2661" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:label="Locator_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_2662" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfCashFlowsAbstract_2661" xlink:to="Locator_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_2662" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="Locator_us-gaap_StatementOfCashFlowsAbstract_2675" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchangeTable" xlink:label="Locator_axp_IncreaseDecreaseInDebtExchangeTable_2676" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfCashFlowsAbstract_2675" xlink:to="Locator_axp_IncreaseDecreaseInDebtExchangeTable_2676" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchangeTable" xlink:label="Locator_axp_IncreaseDecreaseInDebtExchangeTable_2677" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchangeLineItems" xlink:label="Locator_axp_IncreaseDecreaseInDebtExchangeLineItems_2678" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_IncreaseDecreaseInDebtExchangeTable_2677" xlink:to="Locator_axp_IncreaseDecreaseInDebtExchangeLineItems_2678" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchangeLineItems" xlink:label="Locator_axp_IncreaseDecreaseInDebtExchangeLineItems_2659" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LongTermDebtImpactDueToDebtExchange" xlink:label="Locator_axp_LongTermDebtImpactDueToDebtExchange_2660" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_IncreaseDecreaseInDebtExchangeLineItems_2659" xlink:to="Locator_axp_LongTermDebtImpactDueToDebtExchange_2660" order="1.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchangeTable" xlink:label="Locator_axp_IncreaseDecreaseInDebtExchangeTable_2679" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchangeAxis" xlink:label="Locator_axp_IncreaseDecreaseInDebtExchangeAxis_2680" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_IncreaseDecreaseInDebtExchangeTable_2679" xlink:to="Locator_axp_IncreaseDecreaseInDebtExchangeAxis_2680" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_IncreaseDecreaseInDebtExchangeAxis" xlink:label="Locator_axp_IncreaseDecreaseInDebtExchangeAxis_2681" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ImpactOfDebtExchangeOnLongTermDebtDomain" xlink:label="Locator_axp_ImpactOfDebtExchangeOnLongTermDebtDomain_2682" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_IncreaseDecreaseInDebtExchangeAxis_2681" xlink:to="Locator_axp_ImpactOfDebtExchangeOnLongTermDebtDomain_2682" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ImpactOfDebtExchangeOnLongTermDebtDomain" xlink:label="Locator_axp_ImpactOfDebtExchangeOnLongTermDebtDomain_2683" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NonCashMember" xlink:label="Locator_axp_NonCashMember_2684" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_ImpactOfDebtExchangeOnLongTermDebtDomain_2683" xlink:to="Locator_axp_NonCashMember_2684" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureAssetSecuritizations">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetSecuritizationsAbstract" xlink:label="Locator_axp_AssetSecuritizationsAbstract_2685" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetSecuritizationsTextBlock" xlink:label="Locator_axp_AssetSecuritizationsTextBlock_2686" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AssetSecuritizationsAbstract_2685" xlink:to="Locator_axp_AssetSecuritizationsTextBlock_2686" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/FairValuesDetailsTextuals">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosuresAbstract" xlink:label="Locator_us-gaap_FairValueDisclosuresAbstract_2701" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_2702" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueDisclosuresAbstract_2701" xlink:to="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_2702" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_2703" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_2704" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_2703" xlink:to="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_2704" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_2687" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsFairValueDisclosure" xlink:label="Locator_us-gaap_AssetsFairValueDisclosure_2688" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_2687" xlink:to="Locator_us-gaap_AssetsFairValueDisclosure_2688" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_2705" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:label="Locator_us-gaap_FairValueByMeasurementFrequencyAxis_2706" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_2705" xlink:to="Locator_us-gaap_FairValueByMeasurementFrequencyAxis_2706" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:label="Locator_us-gaap_FairValueByMeasurementFrequencyAxis_2707" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementFrequencyDomain_2708" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueByMeasurementFrequencyAxis_2707" xlink:to="Locator_us-gaap_FairValueMeasurementFrequencyDomain_2708" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementFrequencyDomain_2709" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsNonrecurringMember" xlink:label="Locator_us-gaap_FairValueMeasurementsNonrecurringMember_2710" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementFrequencyDomain_2709" xlink:to="Locator_us-gaap_FairValueMeasurementsNonrecurringMember_2710" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/FairValuesDetails1">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_2711" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_2712" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_2711" xlink:to="Locator_us-gaap_LiabilitiesAbstract_2712" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_2713" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:label="Locator_us-gaap_DerivativeFairValueOfDerivativeLiability_2714" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAbstract_2713" xlink:to="Locator_us-gaap_DerivativeFairValueOfDerivativeLiability_2714" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/positiveTerseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="Locator_us-gaap_LiabilitiesAbstract_2715" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosureRecurring" xlink:label="Locator_us-gaap_LiabilitiesFairValueDisclosureRecurring_2716" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_LiabilitiesAbstract_2715" xlink:to="Locator_us-gaap_LiabilitiesFairValueDisclosureRecurring_2716" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FairValuesDetailsAbstract" xlink:label="Locator_axp_FairValuesDetailsAbstract_2739" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_2740" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_FairValuesDetailsAbstract_2739" xlink:to="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_2740" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_2741" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_2742" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_2741" xlink:to="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_2742" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_2743" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_2744" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_2743" xlink:to="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_2744" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_2745" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_2746" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueByFairValueHierarchyLevelAxis_2745" xlink:to="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_2746" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_2747" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:label="Locator_us-gaap_FairValueInputsLevel1Member_2748" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_2747" xlink:to="Locator_us-gaap_FairValueInputsLevel1Member_2748" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_2749" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:label="Locator_us-gaap_FairValueInputsLevel2Member_2750" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_2749" xlink:to="Locator_us-gaap_FairValueInputsLevel2Member_2750" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_2751" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="Locator_us-gaap_FairValueInputsLevel3Member_2752" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_2751" xlink:to="Locator_us-gaap_FairValueInputsLevel3Member_2752" order="3.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/AccountsReceivableAndLoansDetails6">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTextualsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_2753" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_FinancingReceivableModificationsDifferencePreAndPostModificationRecordedInvestment" xlink:label="Locator_axp_FinancingReceivableModificationsDifferencePreAndPostModificationRecordedInvestment_2754" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_2753" xlink:to="Locator_axp_FinancingReceivableModificationsDifferencePreAndPostModificationRecordedInvestment_2754" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_2793" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_2794" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementBusinessSegmentsAxis_2793" xlink:to="Locator_us-gaap_SegmentDomain_2794" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_2795" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_USCardServicesMember" xlink:label="Locator_axp_USCardServicesMember_2796" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_2795" xlink:to="Locator_axp_USCardServicesMember_2796" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_2797" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InternationalCardServicesMember" xlink:label="Locator_axp_InternationalCardServicesMember_2798" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_2797" xlink:to="Locator_axp_InternationalCardServicesMember_2798" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansDetailsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansDetailsAbstract_2755" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansTextualsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_2756" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansDetailsAbstract_2755" xlink:to="Locator_axp_AccountsReceivableAndLoansTextualsAbstract_2756" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansDetailsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansDetailsAbstract_2791" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2792" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansDetailsAbstract_2791" xlink:to="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2792" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2799" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_2800" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2799" xlink:to="Locator_us-gaap_FinancingReceivableModificationsLineItems_2800" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_2757" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsNumberOfContracts2" xlink:label="Locator_us-gaap_FinancingReceivableModificationsNumberOfContracts2_2758" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableModificationsLineItems_2757" xlink:to="Locator_us-gaap_FinancingReceivableModificationsNumberOfContracts2_2758" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_2759" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:label="Locator_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_2760" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableModificationsLineItems_2759" xlink:to="Locator_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_2760" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_2761" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AverageInterestRateReductionByClassOfCardmemberLoan" xlink:label="Locator_axp_AverageInterestRateReductionByClassOfCardmemberLoan_2762" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableModificationsLineItems_2761" xlink:to="Locator_axp_AverageInterestRateReductionByClassOfCardmemberLoan_2762" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_2763" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AveragePaymentTermExtension" xlink:label="Locator_axp_AveragePaymentTermExtension_2764" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableModificationsLineItems_2763" xlink:to="Locator_axp_AveragePaymentTermExtension_2764" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2801" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:label="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_2802" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2801" xlink:to="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_2802" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:label="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_2803" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:label="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2804" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_2803" xlink:to="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2804" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:label="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2805" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansMember" xlink:label="Locator_axp_CardmemberLoansMember_2806" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2805" xlink:to="Locator_axp_CardmemberLoansMember_2806" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:label="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2807" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberReceivablesMember" xlink:label="Locator_axp_CardmemberReceivablesMember_2808" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2807" xlink:to="Locator_axp_CardmemberReceivablesMember_2808" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2809" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_2810" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2809" xlink:to="Locator_us-gaap_StatementBusinessSegmentsAxis_2810" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/AccountsReceivableAndLoansDetails7">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_2841" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_2842" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementBusinessSegmentsAxis_2841" xlink:to="Locator_us-gaap_SegmentDomain_2842" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_2843" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_USCardServicesMember" xlink:label="Locator_axp_USCardServicesMember_2844" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_2843" xlink:to="Locator_axp_USCardServicesMember_2844" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_2845" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InternationalCardServicesMember" xlink:label="Locator_axp_InternationalCardServicesMember_2846" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_2845" xlink:to="Locator_axp_InternationalCardServicesMember_2846" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansDetailsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansDetailsAbstract_2839" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2840" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansDetailsAbstract_2839" xlink:to="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2840" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2847" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_2848" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2847" xlink:to="Locator_us-gaap_FinancingReceivableModificationsLineItems_2848" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_2811" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1" xlink:label="Locator_us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1_2812" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableModificationsLineItems_2811" xlink:to="Locator_us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1_2812" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:label="Locator_us-gaap_FinancingReceivableModificationsLineItems_2813" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" xlink:label="Locator_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1_2814" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableModificationsLineItems_2813" xlink:to="Locator_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1_2814" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2849" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:label="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_2850" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2849" xlink:to="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_2850" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:label="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_2851" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:label="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2852" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringAxis_2851" xlink:to="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2852" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:label="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2853" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansMember" xlink:label="Locator_axp_CardmemberLoansMember_2854" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2853" xlink:to="Locator_axp_CardmemberLoansMember_2854" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:label="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2855" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberReceivablesMember" xlink:label="Locator_axp_CardmemberReceivablesMember_2856" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableTroubledDebtRestructuringDomain_2855" xlink:to="Locator_axp_CardmemberReceivablesMember_2856" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:label="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2857" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_2858" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_2857" xlink:to="Locator_us-gaap_StatementBusinessSegmentsAxis_2858" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/ConsolidatedStatementsOfComprehensiveIncomeParenthetical">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:label="Locator_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_2859" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeLossTextualsAbstract" xlink:label="Locator_axp_OtherComprehensiveIncomeLossTextualsAbstract_2860" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_2859" xlink:to="Locator_axp_OtherComprehensiveIncomeLossTextualsAbstract_2860" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeLossTextualsAbstract" xlink:label="Locator_axp_OtherComprehensiveIncomeLossTextualsAbstract_2861" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_2862" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_OtherComprehensiveIncomeLossTextualsAbstract_2861" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_2862" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeLossTextualsAbstract" xlink:label="Locator_axp_OtherComprehensiveIncomeLossTextualsAbstract_2863" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesTaxPortionAttributableToParent" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesTaxPortionAttributableToParent_2864" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_OtherComprehensiveIncomeLossTextualsAbstract_2863" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesTaxPortionAttributableToParent_2864" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeLossTextualsAbstract" xlink:label="Locator_axp_OtherComprehensiveIncomeLossTextualsAbstract_2865" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax_2866" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_OtherComprehensiveIncomeLossTextualsAbstract_2865" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax_2866" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeLossTextualsAbstract" xlink:label="Locator_axp_OtherComprehensiveIncomeLossTextualsAbstract_2867" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax_2868" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_OtherComprehensiveIncomeLossTextualsAbstract_2867" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax_2868" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureAccountsReceivableAndLoans">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_LoansNotesTradeAndOtherReceivablesDisclosureAbstract" xlink:label="Locator_axp_LoansNotesTradeAndOtherReceivablesDisclosureAbstract_2869" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivablesTextBlock" xlink:label="Locator_us-gaap_FinancingReceivablesTextBlock_2870" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_LoansNotesTradeAndOtherReceivablesDisclosureAbstract_2869" xlink:to="Locator_us-gaap_FinancingReceivablesTextBlock_2870" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/StatementConsolidatedStatementsOfComprehensiveIncome">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:label="Locator_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_2871" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="Locator_us-gaap_NetIncomeLoss_2872" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_2871" xlink:to="Locator_us-gaap_NetIncomeLoss_2872" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:label="Locator_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_2873" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_2874" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_2873" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_2874" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_2875" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent_2876" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_2875" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent_2876" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_2877" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesNetOfTaxPortionAttributableToParent" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesNetOfTaxPortionAttributableToParent_2878" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_2877" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesNetOfTaxPortionAttributableToParent_2878" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_2879" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_2880" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_2879" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_2880" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_2881" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent_2882" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_2881" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent_2882" order="4.0" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:label="Locator_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_2883" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTax_2884" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_2883" xlink:to="Locator_us-gaap_OtherComprehensiveIncomeLossNetOfTax_2884" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:label="Locator_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_2885" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="Locator_us-gaap_ComprehensiveIncomeNetOfTax_2886" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_2885" xlink:to="Locator_us-gaap_ComprehensiveIncomeNetOfTax_2886" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureReservesForLossesDetailsTextuals">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2941" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2942" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2941" xlink:to="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2942" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2899" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther" xlink:label="Locator_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther_2900" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2899" xlink:to="Locator_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther_2900" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2901" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther" xlink:label="Locator_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther_2902" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2901" xlink:to="Locator_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther_2902" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2903" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ValuationAllowancesAndReservesRecoveries" xlink:label="Locator_us-gaap_ValuationAllowancesAndReservesRecoveries_2904" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2903" xlink:to="Locator_us-gaap_ValuationAllowancesAndReservesRecoveries_2904" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2905" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts" xlink:label="Locator_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts_2906" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2905" xlink:to="Locator_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts_2906" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2907" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AllowanceForReceivablesRecoveriesOfBadDebtsTDR" xlink:label="Locator_axp_AllowanceForReceivablesRecoveriesOfBadDebtsTDR_2908" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2907" xlink:to="Locator_axp_AllowanceForReceivablesRecoveriesOfBadDebtsTDR_2908" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2909" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AllowanceForLoansRecoveriesOfBadDebtsTDR" xlink:label="Locator_axp_AllowanceForLoansRecoveriesOfBadDebtsTDR_2910" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesAndLoansReceivableLineItems_2909" xlink:to="Locator_axp_AllowanceForLoansRecoveriesOfBadDebtsTDR_2910" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2943" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_2944" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2943" xlink:to="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_2944" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_2945" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_2946" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_2945" xlink:to="Locator_us-gaap_ReceivableTypeDomain_2946" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_2947" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_UnauthorizedtransactionsmemberMember" xlink:label="Locator_axp_UnauthorizedtransactionsmemberMember_2948" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_2947" xlink:to="Locator_axp_UnauthorizedtransactionsmemberMember_2948" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_2949" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_ForeigncurrencytranslationadjustmentsmemberMember" xlink:label="Locator_axp_ForeigncurrencytranslationadjustmentsmemberMember_2950" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_2949" xlink:to="Locator_axp_ForeigncurrencytranslationadjustmentsmemberMember_2950" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_2951" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberbankruptcyreservesmemberMember" xlink:label="Locator_axp_CardmemberbankruptcyreservesmemberMember_2952" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_2951" xlink:to="Locator_axp_CardmemberbankruptcyreservesmemberMember_2952" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="Locator_us-gaap_ReceivableTypeDomain_2953" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtheritemsmemberMember" xlink:label="Locator_axp_OtheritemsmemberMember_2954" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReceivableTypeDomain_2953" xlink:to="Locator_axp_OtheritemsmemberMember_2954" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansAndRelatedReservesDetailsTextualsAbstract" xlink:label="Locator_axp_CardmemberLoansAndRelatedReservesDetailsTextualsAbstract_2939" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2940" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_CardmemberLoansAndRelatedReservesDetailsTextualsAbstract_2939" xlink:to="Locator_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2940" order="1.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureChangesInAccumulatedOtherComprehensiveLossIncomeDetails1">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="Locator_us-gaap_StatementEquityComponentsAxis_3019" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_3020" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementEquityComponentsAxis_3019" xlink:to="Locator_us-gaap_EquityComponentDomain_3020" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_3021" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:label="Locator_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_3022" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityComponentDomain_3021" xlink:to="Locator_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_3022" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_3023" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedNetGainLossFromDesignatedOrQualifyingCashFlowHedgesMember" xlink:label="Locator_us-gaap_AccumulatedNetGainLossFromDesignatedOrQualifyingCashFlowHedgesMember_3024" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityComponentDomain_3023" xlink:to="Locator_us-gaap_AccumulatedNetGainLossFromDesignatedOrQualifyingCashFlowHedgesMember_3024" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_3025" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedTranslationAdjustmentMember" xlink:label="Locator_us-gaap_AccumulatedTranslationAdjustmentMember_3026" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityComponentDomain_3025" xlink:to="Locator_us-gaap_AccumulatedTranslationAdjustmentMember_3026" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="Locator_us-gaap_EquityComponentDomain_3027" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:label="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeMember_3028" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_EquityComponentDomain_3027" xlink:to="Locator_us-gaap_AccumulatedOtherComprehensiveIncomeMember_3028" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAbstract" xlink:label="Locator_us-gaap_ComprehensiveIncomeNetOfTaxAbstract_3017" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_3018" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ComprehensiveIncomeNetOfTaxAbstract_3017" xlink:to="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_3018" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_3029" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_3030" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_3029" xlink:to="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_3030" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2955" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:label="Locator_us-gaap_NoninterestIncomeOtherOperatingIncome_2956" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2955" xlink:to="Locator_us-gaap_NoninterestIncomeOtherOperatingIncome_2956" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/positiveTerseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2957" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NoninterestIncomeOtherOperatingIncomeTax" xlink:label="Locator_axp_NoninterestIncomeOtherOperatingIncomeTax_2958" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2957" xlink:to="Locator_axp_NoninterestIncomeOtherOperatingIncomeTax_2958" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2959" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_NoninterestIncomeOtherOperatingIncomeNet" xlink:label="Locator_axp_NoninterestIncomeOtherOperatingIncomeNet_2960" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2959" xlink:to="Locator_axp_NoninterestIncomeOtherOperatingIncomeNet_2960" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2961" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseLongTermDebt" xlink:label="Locator_us-gaap_InterestExpenseLongTermDebt_2962" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2961" xlink:to="Locator_us-gaap_InterestExpenseLongTermDebt_2962" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2963" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InterestExpenseLongTermDebtTax" xlink:label="Locator_axp_InterestExpenseLongTermDebtTax_2964" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2963" xlink:to="Locator_axp_InterestExpenseLongTermDebtTax_2964" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2965" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InterestExpenseLongTermDebtNet" xlink:label="Locator_axp_InterestExpenseLongTermDebtNet_2966" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2965" xlink:to="Locator_axp_InterestExpenseLongTermDebtNet_2966" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2967" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="Locator_us-gaap_OtherNoninterestExpense_2968" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2967" xlink:to="Locator_us-gaap_OtherNoninterestExpense_2968" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/positiveTerseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2969" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherNoninterestExpenseTax" xlink:label="Locator_axp_OtherNoninterestExpenseTax_2970" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2969" xlink:to="Locator_axp_OtherNoninterestExpenseTax_2970" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2971" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherNoninterestExpenseNet" xlink:label="Locator_axp_OtherNoninterestExpenseNet_2972" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2971" xlink:to="Locator_axp_OtherNoninterestExpenseNet_2972" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems" xlink:label="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2973" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax" xlink:label="Locator_axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax_2974" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_2973" xlink:to="Locator_axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax_2974" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_3031" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_3032" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_3031" xlink:to="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_3032" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_3033" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_3034" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_3033" xlink:to="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_3034" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_3035" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_3036" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_3035" xlink:to="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_3036" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable" xlink:label="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_3037" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="Locator_us-gaap_StatementEquityComponentsAxis_3038" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_3037" xlink:to="Locator_us-gaap_StatementEquityComponentsAxis_3038" order="2.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/Divestitures">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_BusinessCombinationDisclosureAbstract" xlink:label="Locator_axp_BusinessCombinationDisclosureAbstract_3039" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BusinessCombinationDisclosureTextBlock" xlink:label="Locator_us-gaap_BusinessCombinationDisclosureTextBlock_3040" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_BusinessCombinationDisclosureAbstract_3039" xlink:to="Locator_us-gaap_BusinessCombinationDisclosureTextBlock_3040" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/AssetSecuritizationsDetails">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetSecuritizationsDetailsAbstract" xlink:label="Locator_axp_AssetSecuritizationsDetailsAbstract_3055" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SecuritizedTrustsTable" xlink:label="Locator_axp_SecuritizedTrustsTable_3056" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AssetSecuritizationsDetailsAbstract_3055" xlink:to="Locator_axp_SecuritizedTrustsTable_3056" order="1.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SecuritizedTrustsTable" xlink:label="Locator_axp_SecuritizedTrustsTable_3057" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:label="Locator_dei_LegalEntityAxis_3058" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_SecuritizedTrustsTable_3057" xlink:to="Locator_dei_LegalEntityAxis_3058" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:label="Locator_dei_LegalEntityAxis_3059" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:label="Locator_dei_EntityDomain_3060" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_LegalEntityAxis_3059" xlink:to="Locator_dei_EntityDomain_3060" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:label="Locator_dei_EntityDomain_3061" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AmericanExpressChargeTrustMember" xlink:label="Locator_axp_AmericanExpressChargeTrustMember_3062" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_EntityDomain_3061" xlink:to="Locator_axp_AmericanExpressChargeTrustMember_3062" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:label="Locator_dei_EntityDomain_3063" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AmericanExpressLendingTrustMember" xlink:label="Locator_axp_AmericanExpressLendingTrustMember_3064" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_dei_EntityDomain_3063" xlink:to="Locator_axp_AmericanExpressLendingTrustMember_3064" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_SecuritizedTrustsTable" xlink:label="Locator_axp_SecuritizedTrustsTable_3065" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetsFromTrustsLineItems" xlink:label="Locator_axp_AssetsFromTrustsLineItems_3066" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_SecuritizedTrustsTable_3065" xlink:to="Locator_axp_AssetsFromTrustsLineItems_3066" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AssetsFromTrustsLineItems" xlink:label="Locator_axp_AssetsFromTrustsLineItems_3041" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalents" xlink:label="Locator_us-gaap_RestrictedCashAndCashEquivalents_3042" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AssetsFromTrustsLineItems_3041" xlink:to="Locator_us-gaap_RestrictedCashAndCashEquivalents_3042" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/DisclosureDivestituresDetailsTextuals">
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DivestituresDetailsAbstract" xlink:label="Locator_axp_DivestituresDetailsAbstract_3067" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvestmentOwnershipPercentage" xlink:label="Locator_us-gaap_EquityMethodInvestmentOwnershipPercentage_3068" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DivestituresDetailsAbstract_3067" xlink:to="Locator_us-gaap_EquityMethodInvestmentOwnershipPercentage_3068" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DivestituresDetailsAbstract" xlink:label="Locator_axp_DivestituresDetailsAbstract_3069" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvestmentsFairValueDisclosure" xlink:label="Locator_us-gaap_EquityMethodInvestmentsFairValueDisclosure_3070" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DivestituresDetailsAbstract_3069" xlink:to="Locator_us-gaap_EquityMethodInvestmentsFairValueDisclosure_3070" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DivestituresDetailsAbstract" xlink:label="Locator_axp_DivestituresDetailsAbstract_3071" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CashInvestedByThirdPartyInJointVenture" xlink:label="Locator_axp_CashInvestedByThirdPartyInJointVenture_3072" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DivestituresDetailsAbstract_3071" xlink:to="Locator_axp_CashInvestedByThirdPartyInJointVenture_3072" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DivestituresDetailsAbstract" xlink:label="Locator_axp_DivestituresDetailsAbstract_3073" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_EquityMethodInvestmentOwnershipHeldByThirdParty" xlink:label="Locator_axp_EquityMethodInvestmentOwnershipHeldByThirdParty_3074" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DivestituresDetailsAbstract_3073" xlink:to="Locator_axp_EquityMethodInvestmentOwnershipHeldByThirdParty_3074" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DivestituresDetailsAbstract" xlink:label="Locator_axp_DivestituresDetailsAbstract_3075" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DeconsolidationGainOrLossAmountBeforeTax" xlink:label="Locator_axp_DeconsolidationGainOrLossAmountBeforeTax_3076" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DivestituresDetailsAbstract_3075" xlink:to="Locator_axp_DeconsolidationGainOrLossAmountBeforeTax_3076" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DivestituresDetailsAbstract" xlink:label="Locator_axp_DivestituresDetailsAbstract_3077" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_DeconsolidationGainOrLossAmountAfterTax" xlink:label="Locator_axp_DeconsolidationGainOrLossAmountAfterTax_3078" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_DivestituresDetailsAbstract_3077" xlink:to="Locator_axp_DeconsolidationGainOrLossAmountAfterTax_3078" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/AssetSecuritizationsTables">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAbstract" xlink:label="Locator_us-gaap_CashAndCashEquivalentsAbstract_3079" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTextBlock" xlink:label="Locator_us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTextBlock_3080" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_CashAndCashEquivalentsAbstract_3079" xlink:to="Locator_us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTextBlock_3080" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://americanexpress.com/role/AccountsReceivableAndLoansDetails5">
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3109" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_3110" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3109" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_3110" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_3111" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberLoansMember" xlink:label="Locator_axp_CardmemberLoansMember_3112" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_3111" xlink:to="Locator_axp_CardmemberLoansMember_3112" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_3113" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_CardmemberReceivablesMember" xlink:label="Locator_axp_CardmemberReceivablesMember_3114" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_3113" xlink:to="Locator_axp_CardmemberReceivablesMember_3114" order="2.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_3115" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_3116" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_StatementBusinessSegmentsAxis_3115" xlink:to="Locator_us-gaap_SegmentDomain_3116" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_3117" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_USCardServicesMember" xlink:label="Locator_axp_USCardServicesMember_3118" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_3117" xlink:to="Locator_axp_USCardServicesMember_3118" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:label="Locator_us-gaap_SegmentDomain_3119" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_InternationalCardServicesMember" xlink:label="Locator_axp_InternationalCardServicesMember_3120" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_SegmentDomain_3119" xlink:to="Locator_axp_InternationalCardServicesMember_3120" order="2.0" />
        <loc xlink:type="locator" xlink:href="axp-20140930.xsd#axp_AccountsReceivableAndLoansDetailsAbstract" xlink:label="Locator_axp_AccountsReceivableAndLoansDetailsAbstract_3107" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_3108" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_axp_AccountsReceivableAndLoansDetailsAbstract_3107" xlink:to="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_3108" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_3121" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems" xlink:label="Locator_us-gaap_FinancingReceivableImpairedLineItems_3122" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_3121" xlink:to="Locator_us-gaap_FinancingReceivableImpairedLineItems_3122" order="3.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems" xlink:label="Locator_us-gaap_FinancingReceivableImpairedLineItems_3081" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment_3082" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableImpairedLineItems_3081" xlink:to="Locator_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment_3082" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems" xlink:label="Locator_us-gaap_FinancingReceivableImpairedLineItems_3083" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod" xlink:label="Locator_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod_3084" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_FinancingReceivableImpairedLineItems_3083" xlink:to="Locator_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod_3084" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_3123" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="Locator_us-gaap_StatementBusinessSegmentsAxis_3124" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_3123" xlink:to="Locator_us-gaap_StatementBusinessSegmentsAxis_3124" order="1.0" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:label="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_3125" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3126" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_us-gaap_ScheduleOfImpairedFinancingReceivableTable_3125" xlink:to="Locator_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3126" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    </presentationLink>
</linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>13
<FILENAME>R39.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ELJAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Divestitures (Details Textuals) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="1">6 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DivestituresDetailsAbstract', window );"><strong>Divestitures (Details) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquityMethodInvestmentOwnershipPercentage', window );">Ownership percentage by the Company</a></td>
        <td class="nump">50.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">50.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquityMethodInvestmentsFairValueDisclosure', window );">Fair value portion of investments accounted under the equity method.</a></td>
        <td class="nump">$ 900,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 900,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_CashInvestedByThirdPartyInJointVenture', window );">Cash invested by third party in joint venture</a></td>
        <td class="nump">900,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">900,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_EquityMethodInvestmentOwnershipHeldByThirdParty', window );">Ownership percentage by third party</a></td>
        <td class="nump">50.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">50.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DeconsolidationGainOrLossAmountBeforeTax', window );">Deconsolidation gain amount, before tax</a></td>
        <td class="nump">15,000,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">626,000,000<span></span></td>
        <td class="nump">641,000,000<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DeconsolidationGainOrLossAmountAfterTax', window );">Deconsolidation gain amount, after tax</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 409,000,000<span></span></td>
        <td class="nump">$ 409,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_CashInvestedByThirdPartyInJointVenture">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Primary input used to determine fair value of equity investment</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_CashInvestedByThirdPartyInJointVenture</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_DeconsolidationGainOrLossAmountAfterTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Gain on business travel joint venture transaction, after tax</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_DeconsolidationGainOrLossAmountAfterTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_DeconsolidationGainOrLossAmountBeforeTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Gain on business travel joint venture, before tax</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_DeconsolidationGainOrLossAmountBeforeTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_DivestituresDetailsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_DivestituresDetailsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_EquityMethodInvestmentOwnershipHeldByThirdParty">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>"The percentage of ownership of common stock or equity participation held by third party in the investee accounted for under the equity method of accounting</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_EquityMethodInvestmentOwnershipHeldByThirdParty</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquityMethodInvestmentOwnershipPercentage">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The percentage of ownership of common stock or equity participation in the investee accounted for under the equity method of accounting.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 323<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6382943&amp;loc=d3e33918-111571<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EquityMethodInvestmentOwnershipPercentage</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquityMethodInvestmentsFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value portion of investments accounted under the equity method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 323<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6903542&amp;loc=d3e32014-111567<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EquityMethodInvestmentsFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>14
<FILENAME>R54.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EALBG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Investment Securities (Details 1) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract', window );"><strong>Available-for-sale investment securities with gross unrealized losses and length of time</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Estimated Fair Value, Less than 12 months</a></td>
        <td class="nump">$ 127<span></span></td>
        <td class="nump">$ 1,759<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Estimated Fair Value, 12 months or more</a></td>
        <td class="nump">104<span></span></td>
        <td class="nump">123<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract', window );"><strong>Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses', window );">Gross Unrealized Losses, Less than 12 months</a></td>
        <td class="num">(1)<span></span></td>
        <td class="num">(67)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses', window );">Gross Unrealized Losses, 12 months or more</a></td>
        <td class="num">(4)<span></span></td>
        <td class="num">(17)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U.S. States and Political Subdivisions Debt Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract', window );"><strong>Available-for-sale investment securities with gross unrealized losses and length of time</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Estimated Fair Value, Less than 12 months</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">1,320<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Estimated Fair Value, 12 months or more</a></td>
        <td class="nump">72<span></span></td>
        <td class="nump">106<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract', window );"><strong>Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses', window );">Gross Unrealized Losses, Less than 12 months</a></td>
        <td class="nump">0<span></span></td>
        <td class="num">(63)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses', window );">Gross Unrealized Losses, 12 months or more</a></td>
        <td class="num">(3)<span></span></td>
        <td class="num">(16)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Foreign government bonds and obligations [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract', window );"><strong>Available-for-sale investment securities with gross unrealized losses and length of time</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Estimated Fair Value, Less than 12 months</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">208<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Estimated Fair Value, 12 months or more</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract', window );"><strong>Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses', window );">Gross Unrealized Losses, Less than 12 months</a></td>
        <td class="nump">0<span></span></td>
        <td class="num">(1)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses', window );">Gross Unrealized Losses, 12 months or more</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U.S. Government agency obligations [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract', window );"><strong>Available-for-sale investment securities with gross unrealized losses and length of time</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Estimated Fair Value, Less than 12 months</a></td>
        <td class="nump">127<span></span></td>
        <td class="nump">166<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Estimated Fair Value, 12 months or more</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract', window );"><strong>Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses', window );">Gross Unrealized Losses, Less than 12 months</a></td>
        <td class="num">(1)<span></span></td>
        <td class="num">(1)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses', window );">Gross Unrealized Losses, 12 months or more</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Mortgage-backed securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract', window );"><strong>Available-for-sale investment securities with gross unrealized losses and length of time</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Estimated Fair Value, Less than 12 months</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">35<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Estimated Fair Value, 12 months or more</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract', window );"><strong>Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses', window );">Gross Unrealized Losses, Less than 12 months</a></td>
        <td class="nump">0<span></span></td>
        <td class="num">(1)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses', window );">Gross Unrealized Losses, 12 months or more</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract', window );"><strong>Available-for-sale investment securities with gross unrealized losses and length of time</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Estimated Fair Value, Less than 12 months</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">30<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Estimated Fair Value, 12 months or more</a></td>
        <td class="nump">32<span></span></td>
        <td class="nump">17<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract', window );"><strong>Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses', window );">Gross Unrealized Losses, Less than 12 months</a></td>
        <td class="nump">0<span></span></td>
        <td class="num">(1)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses', window );">Gross Unrealized Losses, 12 months or more</a></td>
        <td class="num">$ (1)<span></span></td>
        <td class="num">$ (1)<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of unrealized loss on securities classified as available-for-sale that have been in a loss position for twelve months or longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of unrealized loss on investments in available-for-sale securities that have been in a loss position for less than twelve months.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27337-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the aggregate fair value of investments in debt and equity securities categorized neither as held-to-maturity nor trading securities that have been in a continuous unrealized loss position for less than twelve months.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27337-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the aggregate fair value of investments in debt and equity securities categorized neither as held-to-maturity nor trading securities that have been in a continuous unrealized loss position for twelve months or longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27337-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>15
<FILENAME>R48.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ERAAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Reserves for Losses (Details) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AccountsReceivableReserveRollForwardAbstract', window );"><strong>Changes in the Card Member receivables reserve for losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForDoubtfulAccountsReceivable', window );">Balance, January 1</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 386<span></span></td>
        <td class="nump">$ 428<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForDoubtfulAccounts', window );">Card Member receivables - provisions</a></td>
        <td class="nump">196<span></span></td>
        <td class="nump">159<span></span></td>
        <td class="nump">594<span></span></td>
        <td class="nump">474<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsPrincipalAndFees', window );">Card Member receivables - net write-offs</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(527)<span></span></td>
        <td class="num">(507)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther', window );">Card Member receivables - other</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(21)<span></span></td>
        <td class="nump">1<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForDoubtfulAccountsReceivable', window );">Balance, September 30</a></td>
        <td class="nump">$ 432<span></span></td>
        <td class="nump">$ 396<span></span></td>
        <td class="nump">$ 432<span></span></td>
        <td class="nump">$ 396<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_AccountsReceivableReserveRollForwardAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_AccountsReceivableReserveRollForwardAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents adjustments to cardmember receivables resulting from unauthorized transactions and foreign currency translation adjustments for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsPrincipalAndFees">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents net write-offs consisting of principal (resulting from authorized transactions) and fee components, less recoveries, for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsPrincipalAndFees</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForDoubtfulAccountsReceivable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, a valuation allowance for receivables due a company that are expected to be uncollectible.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 4<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5074-111524<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllowanceForDoubtfulAccountsReceivable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForDoubtfulAccounts">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of expense related to write-down of receivables to the amount expected to be collected. Includes, but is not limited to, accounts receivable and notes receivable.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 5<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProvisionForDoubtfulAccounts</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>16
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
M4$L#!!0`!@`(````(0!"R#`G<@(``.$O```3``@"6T-O;G1E;G1?5'EP97-=
M+GAM;""B!`(HH``"````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M``````````````````````````````````````#,VLV.VC`4!>!]I;Y#Y&U%
M3&S'22M@%OU9MB-U^@!N<H&()(YLSQ3>ODZ8&54CR@@5J6=#!+%]#UY\J[.X
MV7=M\D#.-[9?LBR=LX3ZRM9-OUFR'W=?9B5+?#!];5K;TY(=R+.;U=LWB[O#
M0#Z)NWN_9-L0A@^<^VI+G?&I':B/;];6=2;$KV[#!U/MS(:XF,\UKVP?J`^S
M,)[!5HM/M#;W;4@^[^//QR2.6L^2C\>%XZPE,\/0-I4),2E_Z.L74V:/$]*X
M<UKCM\W@W\48C)^<,+[Y^X#'?=_BU;BFIN36N/#5=#$&W[?\EW6[G];NTO.'
MG$AIU^NFHMI6]UV\@=0/CDSMMT2A:]/IF7:FZ9]RGYD_+?9\>F17#C+^O^G@
M"W,(D!P2)(<"R9&#Y-`@.0J0'"5(CO<@.;(Y2A`443,44C,44S,45#,453,4
M5C,45S,46#,4606*K`)%5H$BJT"15:#(*E!D%2BR"A19!8JL`D56B2*K1)%5
MHL@J4625*+)*%%DEBJP215:)(JM$D56AR*I09%4HLBH4616*K`I%5H4BJT*1
M5:'(JE!DS5%DS5%DS5%DS5%DS5%DS5%DS5%DS5%DS5%DS5%DU2BR:A19-8JL
M&D56C2*K1I%5H\BJ4635*+)J%%D+%%D+%%D+%%D+%%D+%%D+%%D+%%D+%%D+
M%%D+%%E+%%E+%%G+_R5KB`5JXM/GO]_%=,PK#5X?#BWY*[?NCH>^-GEK'-7?
M@XM5\ZL'^//L<SEB$?O6V<''2KJCRV_AJ7,^[IX-\2!RH:'GUOFI]O;SQ%AG
MOWS@B_HXC87YFNH3L_E4T%_]!@``__\#`%!+`P04``8`"````"$`M54P(_4`
M``!,`@``"P`(`E]R96QS+RYR96QS(*($`BB@``(`````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M`(R2ST[#,`S&[TB\0^3[ZFY("*&ENTQ(NR%4'L`D[A^UC:,D0/?VA`."2F/;
MT?;GSS];WN[F:50?'&(O3L.Z*$&Q,V)[UVIXK9]6#Z!B(F=I%,<:CAQA5]W>
M;%]XI)2;8M?[J+*+BQJZE/PC8C0=3Q0+\>QRI9$P4<IA:-&3&:AEW)3E/8:_
M'E`M/-7!:@@'>P>J/OH\^;*W-$UO>"_F?6*73HQ`GA,[RW;E0V8+J<_;J)I"
MRTF#%?.<TQ')^R)C`YXFVEQ/]/^V.'$B2XG02.#S/-^*<T#KZX$NGVBI^+W.
M/.*GA.%-9/AAP<4/5%\```#__P,`4$L#!!0`!@`(````(0"LF3-O]0(``.PO
M```:``@!>&PO7W)E;',O=V]R:V)O;VLN>&UL+G)E;',@H@0!**```0``````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M``````````````````````````````````"\FLMJVU`8A/>%OH,X^T;^SSTE
M<C:ED&V;/H"PCR_$EHR.>O';]^`6Q8%VDH6834`RD09[9KZQDKO[7\=#]2,-
M>=]WC9*;A:I2M^K7^V[;J&^/GS]$5>6Q[=;MH>]2H\XIJ_OE^W=W7]*A'<LO
MY=W^E*MRE2XW:C>.IX]UG5>[=&SS37]*77EETP_'=BR'P[8^M:NG=IMJO5CX
M>KB^AEJ^N&;UL&[4\+#67E6/YU.Y]>L7[S>;_2I]ZE??CZD;_W&/^F<_/.5=
M2F.Y:#MLT]BHZ52N+Z]H?U,TJ_H_<H0M1Y`<J\ERK(9R`EM.0'*\(<OQ!LHI
M6:):V4<D)]HYY>3Q?"C=,,7JSS&ZO["3+3#9PDZVP&0;=K(-3+9A)]O`9#MV
MLAU,MF,GV\%DAUF3/0'R.=S3J;_,#!8%/=S.6333O8&<6R3'D=4X)$;8[XW`
M]T;8SA'H',TN00U+4+-+4,,2-&6L4_>$62`K&W:P#$R692/"0D18-B(L1(1C
MCR\'QY=G]XZ'O>/9K>QA*P=V[P38.VPG8R.S9[N#LSVPB14@L2(;$1$B(LZ*
MB+QKA[3^.@[E8=7U-\_KTQ!8;'PB,<(VCD#C"+MR!%:.GM4X;_@*H>&V,.QM
M8>"V,.Q&-K"2+7M;6+@M'!OF#L+<LY/E<;+8A-"0$):-<PMQ[MB[U.%=RH:$
MAY`(;.\$Z)W`AD2`D(BS0F(L?U)+SX^\+H?UY2<T,#M.4`R;"Q`+PG:+0+?H
M6=WREH4#)X5F3PH-)X5A6\=`[UCVI+!P4CCVI'!P4@@;"P*Q8-@=:&`)6O:D
ML'!2./:D<'!2>+9W//2.9T/"0T@$-B0"A$1@0R)`2$1VT",..OGQ$HPY&UB0
M5\*VL4`;"]O&`FULV)^5@1^68?/*0",[-B`<!(1C`\)A0+!W<H`[F;U+X2P-
M;#P$B`?V[H*S2[,[1\/.T>S.T;!S++MS+.P<R^X<"SO'LSO'P\[Q[)A[&//(
MSGF<@EZ_^!_]Y6\```#__P,`4$L#!!0`!@`(````(0#3D7E[M04``"@8```/
M````>&PO=V]R:V)O;VLN>&ULE)A;;]LX$(7?%]C_8.A]:TN^%TF*-DFW`8HV
MJ+/IH\#:C$U4%T.B<NFOWR.[E@\U"E$_.92CHYG#;X8CG[U[3I/>HRY*DV?G
M0?AF$/1TMLQ7)EN?!__=??QG%O1*J[*52O),GP<ON@S>7?S]U]E37OS\D><_
M>Q#(RO-@8^WV;;]?+C<Z5>6;?*LS?/.0%ZFR6!;K?KDMM%J5&ZUMFO2CP6#2
M3Y7)@KW"V^)/-/*'![/45_FR2G5F]R*%3I1%^.7&;,O@XNS!)/I^GU%/;;=?
M5(JXGY.@EZC27J^,U:OS8(QE_J2="T6U_5"9!-_.AX-AT+]HDKPM>BO]H*K$
MWB&]@SK\BD91-*G_L[;BWNBG\GA3O>P]?S?9*G^J_Q76OC2K(0)XVGWUW:SL
M!M\/!H/FVB=MUAM[N`CY/NGO',1S=I^];)?>P9$8.Q5?9];8E_@FV[MO<FQA
M[?H-,@N#7O'6X(_B9A76@;/*)4S,$[-2L"A>6'S4+I=Q_@"Q):E$I!*=IH(`
MFF"&)+/S^P^#N<Q34AF1RNB$8*#"P<#\QIFQ5^:#2E2VU/&B-K6D2&:<T`Z+
M5Q-R->);Q3*<T=0;BKM)E\J)AA*:G:;"OLQ)9MZ6651IJHJ7FI"%66<&U:DR
M&[]?+O,JLYP3VQL.VCI7YA&U:&Q5H+\<`9E-Z.&AX/7W8\KXFUYJ\ZA^)'I7
M`)]SE3DR4Y81P'[3I2[P_!CU$G_.R]*-`1VP`2,4F-YD=>1UG<0+O:P*8XU[
M._L7"C[?XVG'.W_M&QDY,$?7.#Y=<EF5-D]U$5_I;5X:A\8Y=O%XJ\#Q2A>P
MS-;&[TS[I%=K='WL':X9#H&K/10\?E2FB.]54CEIS[D40H'?OY4J`(IV[V'N
M0\':Y49E:P1KLIJO*JW0]M&GOMH-\K_D@)DUM-U6ET,K@V7QG7IVG\ZL18*U
M:U5DL*>,;^NGY6F:9V@`JM#Q]>V"'\ZL18*U+WEV@[R!N06UCSJK]LA>/^/`
M9&;GC%TDL$.KM@@'9[6+VYQQBP1NWX!)87>%\G6K"VP_=GRAUS6_E`0.(V(G
M$MAUU'HM=(O#`_$X0@SA_JCDGNBMX-@18@HC06%3PQ^;&L8.HR&PIR%.]6-)
M1(+*SEKNDF%0(P%J9TUWR3"G0\'I9;NVNR08VJ&`UE_CW.7#`7,[%-Q2E7>%
MP;`.!:S':N^ZEXD="F+]5>^D@&/EN+L8L%IU[ZU@AS6<-"0D.J>_AMV0F-IA
M![6OEV-\Q_CCX*&0!+E\?N(LL,HD97RGGVVE$JZ`H6.V)'=_;G<?J#%G-F*O
ML6AY[:]KF+)K`O5`.F*OL3A)"*8T0B$.UZ-%(T&P/R3<VRB-V&LL3@H)-=T(
MA2%7^$BP[0\)I=THC1PA@;9?")7="(4A=XR18-NO5+\,-F\2&`7([PZVQ51U
M()-41MPYL&AYW;3UXVAV$'%P##%B4#`";)\.TSAFK+%X+1PZ90[5YK+(=386
M5#?A=.C<:;)GS/T#BU8\W0?6[XA8AHD>"Z*],MP9QUQB6)P2CKM?]=MP,YR.
M!=#^B'C'0HQJI"2`]BOQIHV99RQ:R76?ZM+K$$,?!220]NJPV2&F/A(23,OY
MH"L8WK&)`/I5C=9N<?N9")Q?5^&=FK`O6+3\?5V$-RG$#'DT92)0]D\\'$Z(
M(9*4!,Q^)8YIXK@C6/8+\<$S<7(3*/N%$$33FR=.:@)E'N:ZF.%>.A$`=]S=
MHH6;WT1PVW4_;\R46P,6+4ZZ;N^8=$(,U,?MG0IF:2:5%DP952Q:(?AG4B<7
M+N&IH-4OQ(Q-N8ZQ:$7$[[3-`=GARI11Q:(EXQ^1>?Z;,JI8M(3\([+C$*,Z
M%:CZA1R'F-JIH-8OQ%4X97RQ."DUKL(9$XA%2\AYA?=M6H@7NR/*,X&R[Z6^
MY!-EQEAC@8#ZNYZ!7Y.7*EGB9^[ZHQ[+=]'V#S_R7_P/``#__P,`4$L#!!0`
M!@`(````(0!/\ORMG0,``/D+```8````>&PO=V]R:W-H965T<R]S:&5E=#0N
M>&ULC%;!CJ,X$+VOM/^`N"=@()!$2483H&=&VI5&HYG=LP-.8C5@9#N=[K_?
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M'R*`.SLBY`M5E*Y3G(1D];\:A"Y4FB2XD$#&A00%TV`^0[/X,8NG*^H$9ECB
MS8JSLP-3`\\4+58SB);`W"O3=0Q:?R<5-"J2SXJEXP(5`OQYVR2SE?<&+2TN
MD*V&)*XS0$)D0M(>HAJH:+/^QC7'2LE[A'(/%`VRH%EC6?]O5%^]`EO5!V9I
MVUN(A4AO$:$%R6XA%B*_18Q(#(&A*5#Y%L)<WQ>JD@`W\B")+:$:$HT@EI'I
M0T3V$)'?0Q@RH9#G?53@M0L]'$8L#BUY&C+O1A1%26*&4R,<QE9SLG$XBL*Y
MF9T;87]VG55#$KQESTM28,LQJ^:MAL"S!]6V8P\1V4-$?@]AR(M-><\-IDHR
MG4NLYFXU).J<FZ!K;[N3(C6BD96;C:/VJ9./@Y,`^8.IABPXN,:N/2=+)5FR
M%@-]5_A60WI9L65N.@[;HK-Q<((6ENVY$0[BZUEC"%,[BO4!B,#L^P>)2C*%
MS:]]T\(T1`NS58UC]CLVCME&YN-@?'VB(6AA"KHO1($M(=9H;36D=RBQPJD1
MMH<K,Z((66)S(QRAWU@$JXWAT7U)'=K2="76YEPPEW,P]*VZ4BL>6J.5&?$H
M#"Q^M8RIOFK^,`ZO4Z^MTIN67D1JP@\D)54EG(*=U!85P$L^W-4;WA8M83V`
MK[QU/U.;7[>[#0%8O%I\(']C?J"-<"JR!TI_FL!0<[VZZ0O)VNZCOV,25J[N
MYQ%6;`*+AS\%\)XQV5^H]6)8VC?_`0``__\#`%!+`P04``8`"````"$`/=OV
MFVD"``"^!0``&0```'AL+W=O<FMS:&5E=',O<VAE970U.2YX;6R,5%UOFS`4
M?9^T_V#YO3B0DB^%5,VB;I56:9KV\>R8"UC!&-E.T_[[7=LI2]-IS0M@./><
M>^X'RYLGU9)',%;JKJ!I,J($.J%+V=4%_?GC[FI&B76\*WFK.RCH,UAZL_KX
M87G09F<;`$>0H;,%;9SK%XQ9T8#B-M$]=/BETD9QAT=3,]L;X&4(4BW+1J,)
M4UQV-#(LS"4<NJJD@(T6>P6=BR0&6NXP?]O(WKZP*7$)G>)FM^^OA%8]4FQE
M*]US(*5$B<5]W6G#MRWZ?DJON7CA#H<W]$H*HZVN7()T+";ZUO.<S1DRK9:E
M1`>^[,1`5=#;=+'.*5LM0WU^23C8DV=B&WWX;&3Y57:`Q<8V^09LM=YYZ'WI
M7V$P>Q-]%QKPS9`2*KYOW7=]^`*R;AQV.T=#WM>B?-Z`%5A0I$FRD(;0+2:`
M5Z*DGPPL"'\*]X,L75/0\23)IZ-QBG"R!>ONI*>D1.RMT^IW!*4^J8$D.Y+@
M_4B29DDVR]-\\CX+BQD%@QON^&II]('@T*"F[;D?P72!S-[9!.OS;V>8C8^Y
M]4$A%-$6N_&XFN?YDCUB"<41LXZ8*24#)AL0#,6'#%#U-(/_*WOPN?)DX`W9
MK2-F&CIZ*C1^+>2MCM^UZH,*BI2#C7D^/1.,F.L3S-]BO+**D,NM>C!F>,(Z
MSV=GRA%S@3*.V>7*'GSN>7ZF'#&ST/QT^!;=QCV*8Z;`U/`)VM82H?=^1U*,
M&=[&]5WC^F:A7\,'7)^>U_#`32T[2UJH,'243%'7Q`6,!Z?[,`];[7!QPF.#
M_TG`,1TE"*ZT=B\'O^+#GW?U!P``__\#`%!+`P04``8`"````"$`.!_,F'T#
M``#."P``&0```'AL+W=O<FMS:&5E=',O<VAE970V,"YX;6R45EMOFS`4?I^T
M_X!X;\#<0J*0JJ'J-FF3IFF79P=,8A4PLIVF_?<[QBF)G8W2EP1\/G_^SH7C
ML[I];FKGB7!!69NY:.:[#FD+5M)VE[F_?C[<I*XC)&Y+7+.69.X+$>[M^N.'
MU9'Q1[$G1#K`T(K,W4O9+3U/%'O28#%C'6G!4C'>8`FO?.>)CA-<]IN:V@M\
M/_$:3%M7,RSY%`Y65;0@]ZPX-*25FH23&DO0+_:T$Z]L33&%KL'\\=#=%*SI
M@&)+:RI?>E+7:8KEEUW+.-[6X/<SBG#QRMV_7-$WM.!,L$K.@,[30J]]7G@+
M#YC6JY*"!RKL#B=5YMZA98XBUUNO^@#]IN0H+IX=L6?'3YR67VE+(-J0)Y6!
M+6./"OJE5$NPV;O:_=!GX#MW2E+A0RU_L.-G0G=[">F.P2/EV+)\N2>B@(@"
MS2R(%5/!:A``OTY#56E`1/!S_W^DI=QG;IC,XKD?(H`[6R+D`U64KE,<A&3-
M'PU")RI-$IQ(0E!_L@>S((U1G+S-XFE%O8/W6.+UBK.C`U4#9XH.JQI$2V#^
MMT?@BL+>*7"_!<0*2,/3>I'X*^\)0E><,!N-F;O.@`E,1'Z-2!<#Q`-=@SAP
M>;HX!3;%S:V3-QHR[\.J',HO%HR#(1+3#U9@R.B%QU&4#@[UD=MH3'2!B4U$
M/H8PM`')=&T*G+G@YI"-18+,DS<:D_;YC%":AJ8]-^Q^&I[W&[J@DJ?K4F!;
MEYTMC8EZ76&86*H,ZT45&IJ2]VA28"N/L:U)8R`B0SSM/(XA#&WPB4R/EP+;
M\3KG0=>8QNAX(=^JP-RP!N>]AB9U84WN!@IL:[+CI3&G',[M'%Y:H_@_FA;O
MT:3`IJ8HCLS*V6A,HNL]@"YLVG/#CN;)V6[$"L$U<ADL=2F$L/9&"U6[3(6+
MBQ-T)GOJS!TKLU&(J?-]+5YWY_%NAC1H5-\8Q-2GFO#DHD.Z99L=S:ZZ$^A4
M=KY5`+EICLXWF*E+=>3ING3_-N)VU3V0!HW&;0QBZ@.:=^A3:+ONKN*F0?HJ
M".V+0HU8BN-T4X3SX;O1NO3XI*>+AO`=R4E="Z=@!S4:!?"]#:MZ;-N@)5S)
M,"Y9ZSF,<_VZ-QA@FNKPCGS#?$=;X=2D`DI_-H=;@.MY3+](UO4SP)9)F*/Z
MQSW,S00N>W\&X(HQ^?JB)KYA$E__!0``__\#`%!+`P04``8`"````"$`VAI&
M<R\#``!:"0``&0```'AL+W=O<FMS:&5E=',O<VAE970V,2YX;6R<5EMOFS`4
M?I^T_X#\7F[A$J*0JJ'J-FF3IFF79P=,L`H8V4[3_OL=VRG%9.VRO23@\_GS
M=RX^A_7U8]<Z#X0+ROH<!:Z/'-*7K*+]/D<_OM]=+9$C).XKW+*>Y.B)"'2]
M>?]N?63\7C2$2`<8>I&C1LIAY7FB;$B'A<L&TH.E9KS#$E[YWA,#)[C2F[K6
M"WT_\3I,>V085OP2#E;7M"2WK#QTI)>&A),62]`O&CJ(9[:NO(2NP_S^,%R5
MK!N`8D=;*I\T*7*Z<O5IWS..=RWX_1A$N'SFUB]G]!TM.1.LEB[0>4;HN<^9
MEWG`M%E7%#Q087<XJ7-T$ZR*P$?>9JT#]).2HY@\.Z)AQP^<5I]I3R#:D">5
M@1UC]PKZJ5)+L-D[VWVG,_"5.Q6I\:&5W]CQ(Z'[1D*Z8_!(.;:JGFZ)*"&B
M0..&L6(J60L"X-?IJ"H-B`A^U/]'6LDF1XO$C5-_$0#<V1$A[ZBB1$YY$))U
MOPPH.%$9DO!$L@#U)WOHALLXB)._LWA&D7;P%DN\67-V=*!JX$PQ8%6#P0J8
M_^P1N**P-PJLMX!8`6EXV&1)M/8>('3E";,UF!0Y(R:T$<4Y8IF-$`]TC>+`
MY<O%*;`M+IV=O#605(=5.51,%JR#(1*7'ZS`D-&)QU&<C`[IR&T-)II@8AM1
MO(6PM`')Y=H4.$?@YIB-+)F=O#68I<YGF(31<J;,LD=Q[(]V2Q=4\N6Z%'BN
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M([F9C>9%LD'WXQV3,-/T8P/?,`0:K^\"N&9,/K^HZ3M^%6U^`P``__\#`%!+
M`P04``8`"````"$`Z&[E]+0#``#X#P``&0```'AL+W=O<FMS:&5E=',O<VAE
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MO^$%+2ZYS<,H?<V+3DAQ4#-(%]L7'=>\CM<Q9-IM2PX5Z+9''3ODZ!O>/)`,
MQ;NM:=`/SLZR]SF2)W'^K>/E'[QAT&V8)ST#>R&>M?1[J?\%@^/1Z"<S`W]U
M4<D.]*52?XOS[XP?3PJF>PD5Z<(VY?LCDP5T%-+,R%)G*D0%+P"_HYKKI0$=
MH6_F[YF7ZI2C.8S>,ZF>N$Z%HN)%*E'_9X/8I;"#B1L,?]U@O)B1U1(O4X#=
MR1+;-S&%/5)%=]M.G"-8+<"4+=5K#V\@\^>50`E:^TV+S1!X60GM?]VMLV0;
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M7-RAR=*[T+$VG\DKW:A[6VSH*"[NT'?6N?ZV#4`/S&QH*B9;CBSZCJO@(#<S
MZE[1PZWMXI>I]AL+#G(TH[[=7V-K<2++O]?S(&/#8V<;NXL3.7Q&O%^;.,C<
MC/JV_!4>3;RUMPD[G`1YFU'?/:?HE)/LA01YFU'WUMSPJ.+BMNE>;R%!MF;4
M/>[06US<<KT'!A+D:4;=XPZ-Q<47YHST<4R].9*1("LSZAYQN*Q<W$\,<C!]
MLO>=3US<3PQR+G(YB/E.)D[DQP:Y%ES;[A]*G,B>MC\_`]J[F[WBM/3(_J3=
MD3<RJMC!W,LR:&AG;V[)3#\HT9HKS5XHN'F9CR>X83.X[R0SB!^$4)<'?3>\
MWMEW_P,``/__`P!02P,$%``&``@````A`!)7,*JO`@``[08``!D```!X;"]W
M;W)K<VAE971S+W-H965T-C,N>&ULE%7;CILP$'VOU'^P_+[<DD""0E:;K+9=
MJ96JJI=G!PQ8BS&RG<WNWW=L)PA(E:8O";;/')\S,PSK^S?>H%<J%1-MAD,O
MP(BVN2A86V7XYX^GNR5&2I.V((UH:8;?J<+WFX\?UD<A7U1-J4;`T*H,UUIW
MJ>^KO*:<*$]TM(634DA.-"QEY:M.4E+8(-[X41#$/B>LQ8XAE;=PB+)D.7T4
M^8'35CL221NB0;^J6:?.;#R_A8X3^7+H[G+!.Z#8LX;I=TN*$<_3YZH5DNP;
M\/T6SDE^YK:+"WK.<BF4*+4'=+X3>NEYY:]\8-JL"P8.3-J1I&6&'\)T%V-_
ML[;Y^<7H40V>D:K%\9-DQ1?64D@VE,D48"_$BX$^%V8+@OV+Z"=;@&\2%;0D
MAT9_%\?/E%6UAFHOP)#QE1;OCU3ED%"@\:*%8<I%`P+@%W%F.@,20M[L_Y$5
MNL[P+/8623`+`8[V5.DG9B@QR@]*"_[;@<(3E2.)3B0S4'\ZC[QHN0@7\;]9
M?*?(&GPDFFS64AP1-`W<J3IB6C!,@?GOCL"*P3X8L`T!L0JJ\+I9)=':?X74
MY2?,UF$2C'K,!+&[1"Q7/8D/NGIQ8/EV<08\%G>AS4$2FU9C:#?8&%T,F1A>
M;.H]@ZZYGAT3!+B!\U4RZXW9#&X=9C[`+,:(W37$2".0##5>UV;`&0:[?57F
M<3R^>>LP2UO7,)SJ&IW.EWWL2!-T\^V:#'BJ*>EY7;X<9FXU3?MH>!;T<2,]
M\?_H,>"QGF@VN7/K,.<<3=3""#(,I].+'+GQXMX^3F5%=[1I%,K%P8R."#SV
MNVZJ;<-T&YEFG>SO8-K9?;\_@&G3D8I^);)BK4(-+8$R\!+(D73SRBVTZ.P[
MLA<:YHQ]K.&S0N%E"#P`ET+H\\),Q/Y#M?D#``#__P,`4$L#!!0`!@`(````
M(0`V*?Z\VP<``"<K```9````>&PO=V]R:W-H965T<R]S:&5E=#8T+GAM;)1:
MVX[;1@Q]+]!_,/0>V[KYLMC=(%:0MD`+%$4OSUI;7@NQ+4/29I._[W!(74C)
ME/22K#U'U-'AD&=&GL>/WR_GV;<D+]+L^N2X\Z4S2Z[[[)!>7Y^<?_[^\F'C
MS(HROA[B<W9-GIP?2>%\?/[YI\?W+/]:G)*DG)D(U^+).97E[6&Q*/:GY!(7
M\^R67,W(,<LO<6D^YJ^+XI8G\<%>=#DOO.5RM;C$Z=7!"`_YF!C9\9CND\_9
M_NV27$L,DB?GN#3\BU-Z*ZIHE_V8<)<X__IV^[#/+C<3XB4]I^4/&]297?8/
MO[U>LSQ^.9OG_NX&\;Z*;3]TPE_2?9X5V;&<FW`+)-I]YNUBNS"1GA\/J7D"
MD'V6)\<GYY/[$*U"9_'\:`7Z-TW>B];?L^*4O?^2IX??TVMBU#9Y@@R\9-E7
M@/YV@*_,Q8O.U5]L!O[,9X?D&+^=R[^R]U^3]/54FG2'YHG@P1X./SXGQ=XH
M:L+,/4MCGYT-`?/O[)+"U#"*Q-_M_^_IH3P].?YJ'JZ7OFO@LY>D*+^D$-*9
M[=^*,KO\AR`72-5!/`KB&_8T[LV]3>B&J^$H"V1D'_!S7,;/CWGV/C.SQMRS
MN,4P!]T'$QF>S#?Z]#^980/7?(*+[*4&79AT?'O>KH/'Q3<CX9XP.\2LG5F-
M\3@BZB(VVQJR,/QJDN;1VR1U<@#FY-;BSCN$K*V\\$!1ZPMV8Z/(^!L#V*C7
M>N+M.JP?R"JW0TS0P@A$I"$8-Q-D/#<`/SGF,>ML;-<KP0TQ&YO/C2<TB]JC
MZZ5;7\LXF=D\GA.`):=U'1?U0DQ@.7F!8!RQ4=>OKV6<5E,X`5ARVM1QD1-B
MC!ZUEC*'&H)Q,^4Q7B\`#\TOQ&C<-`3C!N;5Z@QZT0%8ZM84,^J&&,QEL%IR
M5:-JM$]5QFL[A1>`!:^-N/,.,<A+C$7]8XR/:]KE>*$L6F1QTU03*D4@+8TJ
MA/,3+5Y/I(M=F7<*F4D"W4ME/3R82Q<:[^A)9M%#V210?SKO#'*]H`.W.(VT
M1.S;3+>-Z*$[5VON-O61"N$\H2.W>`[D%=!BWG7<R460.N\T".<WR0Q@.24K
M==V9=^V&+TN5(LC$<TZ3S,#M<8-.]R"0O"UELW("6",UA#FG22;@]KA`MW]H
M39Z8:1#.;Y(1N&.<@$!W-*N<0--LD@FX8UR`0'<XC?`!;Y(/6+3L9<T*!GV`
M0%H]JA"61V^2#UCT4+\@D,H/_:0?POE-\@(/T$*_SHJ60)C3[I*6#=]=TWK"
M#_0^:]&"UT;NC0B$O#Z83:!8"_%QWV_6O5PQZ,6C'<`#M&0F[KPC4,VLN3.V
M#3Y^E]BDU@^[5TFLT_H)A,3"M5@Q16S8]QKCX()-:O\>-F^3_GJAO^VT6@+U
MSV_2K#*!)DXC.^<WR0H\;.%LR='5K>KST$U[=&L/W]=-6,"X)9'78P4;,:%V
M!%+UJPQA6+])MN!A4V?Y[2R)"*3RJ\QAD!^\61E?L!8M"K;3X@B$=;':"@>)
M^+#?;*_9O/.%-4!^5X-O@>Q5@M^FN0-:&($T_50(YSG)(GRT"#V_!%+Y89Q^
M".<WR2I\0`O]NOE%$.;7;34V["T4@]+?^`RG9:BWI]W(],)5@MY&O@OQ$=2O
M#5'4()SG)-OPT38&THL@E9\&X?PFV8>/;9^W9]G^"(3Y\Y>-;Y%VE75`]P["
M.[;A"]L8F=\>^VB]@*7RK?RAK[<11PW"]1,VHJ^D?&S[`_G5O('X:1#.;Y)]
M^-CV!_);>0/?S!"S]F!368Q3("P#<KLV,U;7SEXE:G?;[#\QMP32:D.%<)["
M0@;XX:Y`SVV@;1U0017"^4$3'[U6#K#EZ[DE$-6N7.1';-AM_3[">4%_'\\+
MT#*O8BV\"Q"DYE6#<'[0O<?S`_30KC%`D,I/@W!^T+W'\\->S_,JERQ!90A0
ML]T?'?CPO5\=@DE>8=$BKW)"[0B$\^V#)VA';+BI=:Z6<(J!*NUSB,:#J(M4
M[1_4,GM9X7!1P,;O[1B#2=9@T5*NYI&)6-7W@5AG84PA4$QWW8C)]9KD"`'V
M<U-;RH:10.KLKWRAB=.HSOB%PAWT?%KTD&P$0F$ZLK'1N[*%P@S`M*!L!NAA
MOV?%N96OT&UH$ZVE<:,-FH(*X?)!FQ_=/$)`#S4W`JG\,$X_A/.#-CV>'S9U
MIE]K8F-5A%7GAZJ0+29BHZY[9TT2&NIM6N/6F_8J,?OD_-H1J%\;2B_<_=X,
MX/)-\H80VSZKWL[K``*I_"K[&*[>21X1]NTGFKY%Z6UO&-R5J)Z(8E!Q-X7#
M91,F,3*]/6:Q;3:D1*\R@SYM*+T:A/.<Y!DAVL%`>BO/4/AI$,YODGF$V/0'
MJK=R!KLT$<F/*`1FMTD](P6O=:;7KKU*UFXS?3"Y!-)J0X5PGL)"=.M8H77H
MR260R@_C]$,X/VCBHUOS"EN^GEP"8?K$:B:Z,\@Y06]O<1JW5US!53*W8A6W
M(U"_,%BX*H3S-&':/`=R"^@AVUTA2.6G03B_2;YA#AYV].O8+H'P<%4H"Y>-
MNFXC/M+"<XEX;.^2Y*])E)S/Q6R?O<&90\\<CJJ_Q?.0._=AY\'I-O%]9,Y)
MVN\7]8`YIGB+7Y,_XOPUO1:S<W(T(9=S>,60XT%'_%!F-WNH[B4KS0%%^^?)
M'$A-S.FYY=R`CUE65A_@*&5]Q/7Y?P```/__`P!02P,$%``&``@````A`.GZ
M,UJ^`P``MPT``!D```!X;"]W;W)K<VAE971S+W-H965T-C4N>&ULG)==;]HP
M%(;O)^T_1+F'Q*%`@X!ID'2;M$G3M(]KDQB(FL21;4K[[W=L\V$[;<)VTY*<
MUR_G\3EQ#O,/SU7I/1'&"UHO?#0,?8_4&<V+>K?P?_U\&-S['A>XSG%):[+P
M7PCW/RS?OYL?*7OD>T*$!PXU7_A[(9I9$/!L3RK,A[0A-42VE%58P"7;!;QA
M!.=J454&41A.@@H7M:\=9NP6#[K=%AE):':H2"VT"2,E%I`_WQ<-/[M5V2UV
M%6:/AV:0T:H!BTU1%N)%F?I>E<V^[&K*\*8$[F=TA[.SM[IHV5=%QBBG6S$$
MNT`GVF:.@S@`I^4\+X!`;KO'R';A?T2S%$5^L)RK#?I=D",W/GM\3X^?6)%_
M+6H"NPUUDA784/HHI5]R>0L6!ZW5#ZH"WYF7DRT^E.('/7XFQ6XOH-QC())@
ML_PE(3R#'06;83263ADM(0'XZU6%;`W8$?RL_A^+7.P7_F@R'$_#$0*YMR%<
M/!32TO>R`Q>T^J-%Z&2E3:*3":PXF:!H&-V/T7C2[Q+HC!1@@@5>SAD]>M`U
M\)V\P;('T0R<SV0ZCPOK6ZC`*$T^2A?E!10<ZO.TC./I/'B"/<U.FI763'WO
MHADA6[(^2^0.2M_D?..ZQEF2GA6R?(!TX8+=,KE>K]0Y?2FVTY]&=FJKML11
MK-N*D2-)VA)'D;85AHD%.+(!9>%&T-C=H'+1PH<ON=0@CN\=4JVY,S1C6['N
M522]BK1+87%"(F8A;^.4BV`_#(8XCFV*E=9T<?8JDEY%VJ6P..'A,SF[ZRC%
M=AW'H<NG-??J:1P@-[RVP\YCE=C1:6CO76J%1^&U02RDR;\@2;&#A)RO76G-
MG4)"R'EVUF;TFI$^2,P8FDX<'#,:Q=>U%@V<7+<72(IM&A2&+HX6:9R1G=+:
MC`V<?!,SZ,12,P9EO]A:+'(P<4[]_L-#+FHQ.8VSTJ*NIZI7D?0JTBZ%!1K_
M#ZA<U'=Z:$T79Z\BZ56D70J+$\'1;U:T^_A0:KN4[?/C)-+M>>TC]3RMK>`@
M<KH@L<+(B:96],T>1?+5;C1I#Y(>!,Q7V]CH?I7U2EDN_#>0M(,.MHG,Z*"-
M9(:-[[6+)-_NMQ/I6<`D>N4,@;%7-JL^YEM5Z@@F72OE-/V:K<;1<[(>(RO"
M=F1-RI)[&3W(&3B"X_ER5\_G*S2#V0Y&-.=^(N=V-7E?`C`V-WA'OF&V*VKN
ME60+EN%P"F\<I@=O?2%HHR:V#14P,*N/>_B!1&!J#(<@WE(JSA=R-KS\Y%K^
M!0``__\#`%!+`P04``8`"````"$`(^=T$^<#``!B#P``&0```'AL+W=O<FMS
M:&5E=',O<VAE970V-BYX;6R<EU&/HS80Q]\K]3L@OU^`D&23*.2T"6Q[TE6J
MJKOVF8"3H`6,;&>S^^T[@P/%D+/3VX=-8G[^,W_/8,:;S^]EX;Q1+G)6A<2?
M>,2A5<JRO#J%Y/NWET]+X@B95%E2L(J&Y(,*\GG[ZR^;*^.OXDRI=$"A$B$Y
M2UFO75>D9UHF8L)J6L&5(^-E(N$G/[FBYC3)FDEEX4X];^&625X1I;#FCVBP
MXS%/:<322TDKJ40X+1()\8MS7HM6K4P?D2L3_GJI/Z6LK$'BD!>Y_&A$B5.F
MZR^GBO'D4(#O=W^6I*UV\V,D7^8I9X(=Y03D7!7HV//*7;F@M-UD.3C`97<X
M/8;DV5_'?D#<[:99H+]S>A6][XXXL^MO/,^^YA6%U88\808.C+TB^B7#(9CL
MCF:_-!GXDSL9/2:70O[%KK_3_'26D.XY.$)CZ^PCHB*%%069R72.2BDK(`#X
M[Y0YE@:L2/+>?%[S3)Y#$BPF\R<O\`%W#E3(EQPEB9->A&3E/PKR;U)*9'H3
MF4'TM^O3R70Y]^>+_Z$"]VM"@<__5!X,Q56VFE6*$IEL-YQ='2@]"%S4"1:R
MOP9A7)X`%EF9Z1;L1^L%"X4BSZ@2DB?BP'0!27[;^IXWW;AOD)GT!NW&4.#K
MR+Y%,`\H'+4#/6%]2MP26`3@J3,&:]XW=C_?;?P(8_SM?7=J`+0[0P,W^S$1
M#)!HC`R(>$ST1#0[@6ZGS9/9%DZ"?/9<K%8K??UVBH'*[)S.=6)O)2(K$9L(
MS2<$\GC:$`X)+&(7.Y1=H(>_4]"RJ4K8?/%/)_8:L;B'1'UDN;R'Q'W$]U8#
M1C,)#UK?Y&/)Q$DCLS/=RDY!$$JW(L-L6HG(2L0F0C.Z^!FC.,E6M8HQ^;02
MD96(383F$W:^?D+-3R7"HT0.JU9!LZ9JA_6JKBW:?18K32^#R#`[-LW63&$+
M=.?58#:'DT;F!C6X4Y`I>U8BLA*QB=",KG[&*$ZR5:EB3#ZM1&0E8A.A^?3A
MQ=[/J#F3#3U*Y;!.;Y0JQOO;JX[,!QOC[3V/H85$R2QG]YA8T_&]X2ZL6\6V
M8%"\,]BV+)95,S%XH2STAVOG*\J45CL2V9'8B.AVL9$8V,4VSF)7M1_P;N[>
M%N/^P%>0T:T5B>PJL1'1W6(WT7-K<:EZ#XBQ<WFG2X`S"!:@:A,&V^G>=#'2
M+OZ@<N^+*U/JZ**:\I+R$]W3HA!.RBYX+`E@E^]&NR/3\Q1;U<'XSE]#`ST>
MC_"(A>-N-P%..'5RHG\D_)17PBGH$6[E39[@">'JC*1^2%8W1X0#DW"V:;Z>
MX2Q+H37W)@`?&9/M#[Q!=SK>_@L``/__`P!02P,$%``&``@````A`$EIK9$,
M`P``9@D``!D```!X;"]W;W)K<VAE971S+W-H965T-3@N>&ULC%9=;YLP%'V?
MM/]@^;U\)20A2E(U5-TJK=(T[>/9`0-6`2/;:=I_OVL[99A,-"\)V,?'YY[K
MZ\OF]K6IT0L5DO%VBT,OP(BV&<]96V[QKY\/-RN,I")M3FK>TBU^HQ+?[CY_
MVIRX>)85I0H!0RNWN%*J6_N^S"K:$.GQCK8P4W#1$`6OHO1E)RC)S:*F]J,@
M6/@-82VV#&MQ#0<O"I;1>YX=&]HJ2R)H313HEQ7KY#M;DUU#UQ#Q?.QN,MYT
M0'%@-5-OAA2C)EL_EBT7Y%!#W*_AG&3OW.;E@KYAF>"2%\H#.M\*O8PY\1,?
MF':;G$$$VG8D:+'%=^$Z#0/L[S;&H-^,GN3@&<F*G[X(EG]C+06W(4\Z`P?.
MGS7T,==#L-B_6/U@,O!=H)P6Y%BK'_STE;*R4I#N&"+2@:WSMWLJ,W`4:+PH
MUDP9KT$`_**&Z:,!CI!7\W]BN:JV>+;PXF4P"P&.#E2J!Z8I,<J.4O'FCP6%
M9RI+$IU)9J#^/!]YT2H.X\7'++Y59`*\)XKL-H*?$)P:V%-V1)_!<`W,_X\(
M0M'8.PTV2T"LA#2\[)(XW/@O8%UVQNPM9HE1CXE<1'J)6"4]Q`==O3@(^7IQ
M&NR*6XYVWEO(TMBJ`TH'`\[&X,3U&VLP9'00<1*/=[:8^0`3]R$;;],IA*,-
M2*[7IL%;#&'VV0AG<W?GO<6L3#[GH\ET.!FO^I6.(CC#0T6Z.F908]-G22]R
ME27QK.<WGNPM!B3TZL>N32$<C0M7X[0V#?XHHQ8SI6T*X6B#8AGZ-ZU-@UW?
M+C-J,7.3T5%]IL.Y?Z?4T:/;UN!.N"Z?>I&K*XE'AVEO,5.>32$<C8FK<=HS
M#?XHGQ8SI6T*X6B#5N08."W.H%WG+C-Z!IV+=%0GNO?I`.ULO.BKR*JR;<W>
M^@T5)4UI74N4\:-N61&<DG[4MM-]N(:K$MK8:#R%-FO&_7X"NEQ'2OI$1,E:
MB6I:`&7@+:$NA>V3]D7QSMS-!ZZ@OYG'"KYG*%S"@0?@@G/U_J([<?^%M/L+
M``#__P,`4$L#!!0`!@`(````(0#\UXLO(P,``*,)```9````>&PO=V]R:W-H
M965T<R]S:&5E=#4W+GAM;)16VXZ;,!!]K]1_L'A?;@FYH"2K30CM2JU45;T\
M.V""M8"1[6QV_[YC'`B7;)*^A.`Y<YAS9K!9/+[E&7HE7%!6+`W'M`U$BHC%
MM-@OC=^_PH>9@83$18PS5I"E\4Z$\;CZ_&EQ9/Q%I(1(!`R%6!JIE*5O62)*
M28Z%R4I20"1A/,<2;OG>$B4G.*Z2\LQR;7MBY9@6AF;P^3T<+$EH1`(6'7)2
M2$W"288EU"]26HJ:+8_NH<LQ?SF4#Q'+2Z#8T8S*]XK40'GD/^\+QO$N`]UO
MSAA'-7=U,Z#/:<298(DT@<[2A0XUSZVY!4RK14Q!@;(=<9(LC2?'#R>&M5I4
M_ORAY"A:_Y%(V?$+I_$W6A`P&]JD&K!C[$5!GV.U!,G6(#NL&O"#HY@D^)#)
MG^SXE=!]*J';'@A2NOSX/2`B`D.!QG0]Q12Q#`J`7Y13-1E@"'ZKKD<:RW1I
MC":F-[5'#L#1C@@94D5IH.@@),O_:I!SHM(D[HD$,DXDCFNZ,\_Q)O_!,CFQ
MP+5FF9ACUYO.[JC%TKHJFP(L\6K!V1'!Z$'EHL1JD!T?F&M_M)K&L8\,`Z<4
MR9-BJ;C`"P%-?EW-QY.%]0J=B4Z8M<9,#=1@1DX7LJDAJ@^*-Z@7SCF]E&V-
MJ%-"O0"_S6/F]KQYC@6R&^W0E[;VRS-12U3@KL2IV]!6U:Z'D!YB,T2,>I!@
M".DAMD-$GR0<0F8?>##J>J#Z/X*W[+H7*@EP;8_'TYX9&C-N8;PN8G,3$=Q$
M;&\BPFN(SC1`J>UIN,\)E;0TP.[SM(UG79UKC;GFQ$U$H!&SZM6RN_S;F]GA
MY>R.>MB;VNJO]U^!^ZK/\Z5?!HT95Q6[O9(W[>"H-SE!.^C8O=1M-]I[-\(Z
M>N['>>HZ>F&ONU^O`O?T>KVZUAISL4.;*['@2FQ[)0:'IJH).MM,7E^I/A3U
M;I\3OB<;DF4"1>R@#CP7.M.LZK-X[?BP!<-.VEL/'!_V65BWF@"<D27>D^^8
M[VDA4$82H+3-*?C/]2FK;R0KJTUSQR2<CM7?%#Z&"&SNM@G@A#%9WZ@'-)]7
MJW\```#__P,`4$L#!!0`!@`(````(0`:/_P6.0,``!$*```9````>&PO=V]R
M:W-H965T<R]S:&5E=#4V+GAM;)Q6RV[;,!"\%^@_"+S'>EN683F(&Z0MT`)%
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M&S\B[GIE$_2'LY/J_7;409P^2UY\XS6#;$.=3`6V0MP:Z-?"_`6+W2>K;VP%
M?DBG8#MZ+/5/<?K"^/Z@H=PQ.#+&EL7#-5,Y9!1H9D%LF')10@#PZ53<M`9D
MA-[;[Q,O]"$CX7P6)U[H`]S9,J5ON*$D3GY46E1_$>2W5$@2M"3PW9+XP2Q8
MQ'X\?YW%Q8BLP6NJZ7HEQ<F!K@%-U5#3@_X2F(VS$/+S?V=@R:RY,HOL4D`K
M*,?=.HV\E7L'*<Q;S`8Q"7$Z3-`A7!#O(@#5?@0O*QOP4#DYT]K@-@A);$'[
M.N%09YI3LP@RTG.11G[G`P41$_4P<8<8.`7(=*<&G!$PT^4O"M*.%Y41L[`5
MB)/SVX$J=-AT50,>J8;CRB(FLJI1^(S7^5M4#7BL.LXR8E`U>$X5VFVZ5P,>
MJXZ;"3%SZS4,O;`KP"#%9L[W-M'++6S`0]D@',LB!F6C.#Z_'LBF;Y$UX%$G
M^V=>["?$3.AD'T;$=,<6/;2<1F/M%H0%CA?GIAM8]M\WKW`8]3=3&IUKB>8M
M=4;:ON[%-PS`C)=>K:>-$1^'TC"`J&NF-@`$M2T>GS?`,(!WS3$?A]0P@//6
M;0-`4-OM49!T`0XC>-,<@W/Y]7YO03C)HL0;5Q]/9CRX*B;W[!,K2^7DXFA.
M71^V9_<OW@@V<",([!'0O8`#N:%[]IW*/:^54[(=+/5F"8PSB4<Z/FC1V!-F
M*S0<Q?;G`:Y>#`X^;P;@G1#Z\<%<&KK+W/H?````__\#`%!+`P04``8`"```
M`"$`7:XWY44#``!,"@``&0```'AL+W=O<FMS:&5E=',O<VAE970T."YX;6R,
M5DV/FS`0O5?J?T#<%P*$0*(DJTU@VTJM5%7].#M@@K6`D>UL=O]]QS@DV+1)
M+KO!\^9YWLS8X^7C6UU9KYAQ0IN5[3D3V\)-1G/2[%?VKY_/#[%M<8&:'%6T
MP2O['7/[<?WQP_)(V0LO,186,#1\99="M`O7Y5F):\0=VN(&+`5E-1+PR?8N
M;QE&>>=45ZX_F<S<&I'&5@P+=@\'+0J2X81FAQHW0I$P7"$!\?.2M+QGJ[-[
MZ&K$7@[M0T;K%BAVI"+BO2.UK3I;?-DWE*%=!;K?O"G*>N[N8T1?DXQ13@OA
M`)VK`AUKGKMS%YC6RYR``IEVB^%B93]YBS2VW?6RR\]O@H]\\-OB)3U^8B3_
M2AH,R88RR0+L*'V1T"^Y7`)G=^3]W!7@.[-R7*!#)7[0XV=,]J6`:H<@2.I:
MY.\)YADD%&@</Y1,&:T@`/AKU41V!B0$O77_CR07Y<H.9DX830(/X-8.<_%,
M)*5M90<N:/U'@;P3E2+Q3R3@<2+Q?,>/0R^<W69Q542=P`0)M%XR>K2@:6!/
MWB+9@MX"F'ME*HZSUO])!8V2Y$FR=%R@@D-Y7M=Q-%NZKY#3[(39*$QD6V=,
MX.F0;0^1&92\2;]P\3%<TAXARP>2SKH@6T-=_ZY4'[X$Z^%'OA[:9@PQ$-LQ
M(C`@R1AB(-(Q8D"B"0QT@;)P`33V=:'2"7"#&L119"A5F.D`$^J([4U$<A.1
M7D-H.B&0^PLIP2L;DGCNL3B*]>@W"G--WTU$HA!QU^E!;'1Z.K1._<O^FBXX
M;/?KDF!3U]S0I3#3+B9O;L2TU:RAX9L,K>%\JC.G0^LTNE@U/3-=SWW]*)T,
M7?%$WWVC,-?J=1.1]`AY,SV$OM'RJ6Z>7,R:0KBZ[J^8!)O*C+MKHS#7E-U$
M)#VB4^8;.Z1#Z\6FJ9)/E,$`N'Y_2+"N*@B-*VRC,.IL3`>W5W>C;X?6P.S2
M9&@=^<*$E[N?3MW`5^E1TUL-MQJS/=[BJN)61@]R,OMP+LZKZM&P\18P<6!P
M&.L)/":Z=?=L@&'>HCW^AMB>--RJ<`&4$R>"D\'4<T!]"-IV<V1'!8SQ[F<)
MKS8,LVSB`+B@5/0?<F*=WX'KOP```/__`P!02P,$%``&``@````A`(G-9L/7
M`@``I0<``!D```!X;"]W;W)K<VAE971S+W-H965T-#DN>&ULG%5=;YLP%'V?
MM/]@^;U\0RA*4C54W2IMTC3MX]D!`U8!(]MIVG^_:SNA@71=NY<$^YY[?,Z]
MYK*\>NQ:]$"%9+Q?8=_Q,*)]P4O6URO\\\?M18J15*0O2<M[NL)/5.*K]<</
MRST7][*A5"%@Z.4*-TH-F>O*HJ$=D0X?:`^1BHN.*%B*VI6#H*0T25WK!IZ7
MN!UA/;8,F7@+!Z\J5M`;7NPZVBM+(FA+%.B7#1ODD:TKWD+7$7&_&RX*W@U`
ML64M4T^&%*.NR.[JG@NR;<'WHQ^1XLAM%F?T'2L$E[Q2#M"Y5NBYYTOWT@6F
M];)DX$"7'0E:K?"UG^4+[*Z7ICZ_&-W+DV<D&[[_)%CYA?44B@UMT@W8<GZO
MH7>EWH)D]RS[UC3@FT`EK<BN5=_Y_C-E=:.@VS$8TKZR\NF&R@(*"C1.$&NF
M@K<@`'Y1Q_3-@(*01_._9Z5J5CA,G'CAA3[`T99*=<LT)4;%3BK>_;8@_T!E
M28(#20CJ#_'`"=+8CY-_L[A6D3%X0Q19+P7?([@T<*8<B+Z"?@;,+SL"*QI[
MK<$F!<1*Z,+#.DV#I?L`I2L.F(W%+#`:,3-$?HY(+T<2%W2-XL#RV\5I\%3<
M8G;RQD+,13&&\I.-R<%0B=.#=;^CO_;[6!V=!)T]<9ZFX6C,'+BQF.@$$T\1
M^6N(B48@F6L,X6:_WD&=M,)@>^Q.FD93!1N+24U_HUDP/PW&WI@Y40:5>K\R
MG317-JO-QF(BHRR<-3>?!-.7E27_HTPG396%R;-SVU>+26S-8F\QZWL^B4>^
M_QR?5`Y>F_=73B=-]:5I,OJW^BSFT%-OIAY&IV:PT3":U\Z.13LU.BIJFM.V
ME:C@.SWR`O`\[MIIO/$S>-5@#,[V<YC29M\=`S`E!U+3KT34K)>HI150>LX"
MFBGLG+4+Q0?S;F^Y@OEH'AOX'%*82IX#X(IS=5SH23Y^8-=_````__\#`%!+
M`P04``8`"````"$`_ABY0F8#```U"P``&0```'AL+W=O<FMS:&5E=',O<VAE
M970U,"YX;6R4EMV.FS`0A>\K]1T0]PL!0B!1DE43LFVE5JJJ_EP[8(*U@)'M
M;';?OF,<"#9MDM[L!N:;8Q^/L6?Y^%J5U@MFG-!Z97O.Q+9PG=*,U(>5_?/'
MTT-L6UR@.D,EK?'*?L/<?ER_?[<\4?;,"XR%!0HU7]F%$,W"=7E:X`IQAS:X
MADA.684$/+*#RQN&4=8F5:7K3R8SMT*DMI7"@MVC0?.<I#BAZ;'"M5`B#)=(
MP/QY01K>J57I/7(58L_'YB&E50,2>U(2\=:*VE:5+CX?:LK0O@3?K]X4I9UV
M^S"2KTC***>Y<$#.51,=>YZ[<Q>4ULN,@`.Y[!;#^<K^X"UV<]M=+]OU^47P
MB0]^6[R@IX^,9%](C6&QH4RR`'M*GR7Z.9.O(-D=93^U!?C&K`SGZ%B*[_3T
M"9-#(:#:(1B2OA;96X)Y"@L*,HX?2J64EC`!^&M51.X,6!#TVOX_D4P4*SN8
M.6$T"3S`K3WFXHE(2=M*CUS0ZK>"O+.4$O'/(I!Q%O%\QX]#+YS=5G'5C%J#
M"1)HO63T9,&F@3%Y@^06]!:@W#E3\^B]_LLJ>)0B'Z1*JP4N.)3G91W'T=)]
M@35-S\Q&,9%M]4S@Z<BV0^0*2MVD>W'),5)V'2'+!Y9Z7[!:0U]_KU0W?0GK
MTX]\?6J;,6(0VS$1&$@R1@QB-R8&(IK!0#<H"Q?`QKYN5"8!-ZA!%(:&4\5,
M!XQ!;&\2R4UB=XW0?,)$[B^DA%<V+&*_Q^(H-OPIYIJ_FT2BB+C=Z9X_,S>E
M%IY&E[#F##ZW^YU)V'`6F\X4,VUGY<_,JFG1J9&;#*/1W/AV=\-H[%^4-3\S
MW<]].U(FF;[F1L44<ZUB-XFD(^39]!#%,WV(G1:.!RNK.83#:UBQ^QS*),/A
M?*(/OU',-8<WB:0C6H>>/]6'V.EA+^C#FD/9L`RN@^NGB81-9Y>]WI[@&\5<
M<W:32#JB=6:>F%K0N[C6;,W_QY:$=5M!:(RZ4<SY`/"FQG;::F$_-A8ET<*C
M;.ADY`2ZTV60K3RI-D7=XA5F![S%9<FME!YE"^+#Y]^_5=W1QEO`U0HWI/$^
M@:ZI?>_V`>A:&G3`7Q$[D)I;)<Y!<N)$<``PU?>H!T&;]L+<4P']2ONS@/84
MPZ4]<0#.*17=@[R:^X9W_0<``/__`P!02P,$%``&``@````A`%!+6_'=`@``
MJ0<``!D```!X;"]W;W)K<VAE971S+W-H965T-3$N>&ULG%7+;MLP$+P7Z#\0
MO$<O6P\+MH/(0=H`#5`4?9QIB9*(2*)`TG'R]UV2MFS);9KT8HOD[.S,+K5:
M7C^W#7JB0C+>K;#O>!C1+N<%ZZH5_O'][BK!2"K2%:3A'5WA%RKQ]?KCA^6>
MBT=94ZH0,'1RA6NE^M1U95[3EDB'][2#DY*+EBA8BLJ5O:"D,$%MXP:>%[DM
M81VV#*EX"P<O2Y;36Y[O6MHI2R)H0Q3HES7KY9&MS=]"UQ+QN.NO<M[V0+%E
M#5,OAA2C-D_OJXX+LFW`][,_)_F1VRPNZ%N6"RYYJ1R@<ZW02\\+=^$"TWI9
M,'"@RXX$+5?XQD\W,7;72U.?GXSNY=DSDC7??Q*L^,(Z"L6&-ND&;#E_U-#[
M0F]!L'L1?6<:\%6@@I9DUZAO?/^9LJI6T.T0#&E?:?%R2V4.!04:)P@U4\X;
M$`"_J&7Z9D!!R+/YW[-"U2L\BYPP]F8^P-&62G7'-"5&^4XJWOZR(/]`94F"
M`\D,U!_.`R=(0C^,_LWB6D7&X"U19+T4?(_@TD!.V1-]!?T4F/_L"*QH[(T&
MFQ`0*Z$+3^MD$2S=)RA=?L!D%A-C-&`FB,TE(ED,)"[H&L2!Y;>+T^"QN'B2
M.;,0<U&,H<W9QB@Q5.(\L>[W_*_]/E9'!T%GSYPGB]E@S"3,+&9^A@G'B,UK
MB)%&()EJG,'-?KV#.FB%P?;0G60Q'RO(+"8Q_9UYI];8DHU.XV2('6F#6KU?
MFPZ::IM4)[.8N=$6>T-R*^W\,#FY&BF+_D>9#IHJB\;),XN)C+(HC.>GREAQ
MH_,HB4[B1_K@Q7E_Y7305%\\T6<QMJN^%T_DP_34%(=C/SY%6W5V--K)T5)1
MT0UM&HEROM-C+P#7PZZ=R)F?PNL&HW"ROX%);?;=X0`F94\J^D!$Q3J)&EH"
MI>?$T$YA9ZU=*-Z;]WO+%<Q(\UC#)Y'"9/(<`)><J^-"3_/A([O^#0``__\#
M`%!+`P04``8`"````"$`$8%9@#$$``!E$```&0```'AL+W=O<FMS:&5E=',O
M<VAE970U,BYX;6R<F%UOJS@0AN]7VO^`N$_`Y#M*<G2@ZNZ1]DBKU7Y<$W`2
M5,`(DZ;]]SOV.(`-A;0W;<F\GCR>&<_@[KZ]9:GU2DN>L'QODZEK6S2/6)SD
MY[W]S]_/D[5M\2K,XS!E.=W;[Y3;WPZ__K*[L?*%7RBM+/"0\[U]J:IBZS@\
MNM`LY%-6T!PL)U9F806/Y=GA14G#6"[*4L=SW:63A4ENHX=M^8@/=CHE$7UB
MT36C>85.2IJ&%?#S2U+PN[<L>L1=%I8OUV(2L:P`%\<D3:IWZ=2VLFC[XYRS
M,CRFL.\W,@^CNV_YT'&?)5').#M54W#G(&AWSQMGXX"GPRY.8`<B[%9)3WO[
M.]D&'K&=PTX&Z-^$WGCK;XM?V.VW,HG_2'(*T88\B0P<&7L1TA^Q^`@6.YW5
MSS(#?Y963$_A-:W^8K??:7*^5)#N!>Q(;&P;OS]1'D%$P<W46PA/$4L!`'Y:
M62)*`R(2OLG?MR2N+GM[MIPN5NZ,@-PZ4EX])\*E;4577K'L/Q3)'=5./.5D
M!O3*[DV]]8(LEN->'"22&WP*J_"P*]G-@JJ![^1%*&J0;,'S?6?(4>_UHZW"
M'H63[\*+]`6[X)"?U\-ZL]XYKQ#32&E\U*QLJ]8071'<%2(5@%<SPL[;C/U1
MOZ,(L8ZR\O3O\;L20Q%T%;-&HK%!S-IL(GXSJ*]A1K$(=*U0K#<;`Q(U\Y9F
MH2N"(87&"$[:C,-L0KRW(0!UFM9K(U$^:M8RT1//L`9M:V/3B*#JVT2/14TL
MTLDVKJO'Q$?-7)'IQD`SDGEMU="67;0Y+!P.FEADHC5;EV?$1PVB>4LCW4';
M.G,_8(/#\_FPB44F6U/,R(8:9)MYS;=+:Z!9Y[/^N(E99S22\;B)129;XQ_9
M4(-LK:0AFF9<]I-MNF3C1U0L,LF,N/BH4<5FGLZV\0,P`HVB';/A&I-J$\GX
M5E^)X`C6Q]>0!(,2[2B0GN$P'CFY:JR[*=$@)XZ#?HG.*=IUJ_9&XHC-?;C#
M$12IW*[JPL*JJZU]4=;11)-NH3W6Z0BV]C9BM]4ID4)L2DPA/CP=B.C7GT<4
MJ\QJ-"!\Z7IO]Z=0<:*??HD>2M&^/\^)31^B41^([JP5[W*PF7X(Q3DDT3F-
M"3)2C=W1T9VWI#T=)D:4`]W:M$^=ZDNS@_0-#W/F*M%'9Z4]/2;-2Z%.9TR/
MD9CUC0WCC/KD/AJ:Q'<ZX9!$Y_O2#"$X`T9J[SXH!CB')!JG]ZF)(M7Z&>[6
MGA*I[#;YPV.A69OYJ$-]:8QXV/Z'>Z`2X9LH,=ZXQ)50'&OUGMH<&Z3#VQY>
MAC):GFE`TY1;$;N*FQR!5\CZ4[QE^G#+E%<RIS;`):\(S_1G6)Z3G%LI/<%2
M=[J"9E'B-1$?*E;(.\F157"]DW]>X#I/X>[D3D%\8JRZ/XC;3_T/@L/_````
M__\#`%!+`P04``8`"````"$`44W^X^T&``"\)```&0```'AL+W=O<FMS:&5E
M=',O<VAE970U,RYX;6R<6EUOJT80?:_4_X!XC_FV313GZIJKM%=JI:KJQS/!
M.$;7&`O(U[_O[L[B969A@;XT-YW#Y#`[YQR<\/#EHSQ;;WG=%-5E9WLKU[;R
M2U8=BLO+SO[[KZ>[K6TU;7HYI.?JDN_LS[RQOSS^_-/#>U7_:$YYWEJLPZ79
MV:>VO=X[3I.=\C)M5M4UO[#*L:K+M&7?UB].<ZWS]"`N*L^.[[IKITR+BPT=
M[NLY/:KCL<CR;U7V6N:7%IK4^3EM&?_F5%R;KEN9S6E7IO6/U^M=5I57UN*Y
M.!?MIVAJ6V5V__WE4M7I\YG=]X<7IEG76WRCM2^+K*Z:ZMBN6#L'B.KW'#NQ
MPSH]/AP*=@=\[%:='W?V5^\^B2+;>7P0`_JGR-^;WK^MYE2]_U(7A]^*2\ZF
MS<Z)G\!S5?W@T.\'_K_8Q8YV]9,X@3]JZY`?T]=S^V?U_FM>O)Q:=MP1NR-^
M8_>'SV]YD[&)LC8K7]#(JC,CP/YKE05?#3:1]$-\?2\.[6EG!^M5M'$#C\&M
MY[QIGPK>TK:RUZ:MRG\!Y'%2MR:^;,*^RB9>M`K]:+-=TB607=C7KLMZ=A<'
M[DN,Z5O:IH\/=?5NL=UCS)MKRC?9NV>=A^?"[H5COW*PN(3=<L,.\^TQ=K</
MSAL[@$QB]CK&PXA$1\1N?,,XC-B-'9O8?'8<C-EM_%M;<0-['4(0B8[8CG!C
MT^ISXYL5L/TT3Y!?Q'"V=9O@)E+]@21@PAXFPK>1F!!H?JQ)GZ.9&P?O;#:`
M&[=@2T\7,%MQ]N':I=-#Y3A0O!$KIISYK#@8LXH]%\]C#YA0L/*B`%<35%V/
M<%HOX<3!E!/9\CU@@-.=^J'BB!-4W(8WPFA,FR64.)A2(J>S!\P:#F\3D2DF
M_7+D>NMA5CP9>X8Q;^WY190=.:8]8-@&W=:/3LV$0).+_P]'?M&4-`%CXFA"
M((X>\XK^(,W:%&@\05V<$@0''*Q](MX$U4-WK18`,UN6"6#G?=O0!>H!2"HT
M4#\8Y(#*T8@</&[-O<V;&!@8.:9%-2I:[FPI4K*0":YNE$WC:7$SGD\+K!O3
MHCKU`"3/<1-1':!ZZ([9K,?=N,=LGE3%57C38D\="424!)F$8(3@"9(\F,D3
M;)V-ZN87>I3R1STF:B-/$P3S7)01GAX2`XKM!X&V?\-%S&E12'A#*4'$N)<@
M$`4I)B-%S(E$Q(10A[)!$VIG_?R94^,T7,2<2"1,<`(7GU!I9_6<DW9VPT7$
MR2<),&_OQ554G\0A]A)DVGLC!/,D>3"3)UB^69]^EPM*Q.16$B,$\^26W_,[
M\QG['(WGJ.M3@D`+0:@>B2"W<-E3>8MY<3N?SPO,'^\>6?F]#R#@1<PY046U
MF)@3R8:)67$TGE7L48WZ`))A2JK)6!6S(DDPP0J<&T^*9BG_F"X20*@T5"$N
M3Q"5?35GS&N1\_NZ\\>]IVE(4`DR*K3S_R%Q8'XD!68J%-)@0J$`,O(T03#/
M1<G@Z\DPH-"^^0?:\?:KX9@6%F6#/Y0-:F_DZ0[;O]RYX2*:%/]-PGS/$.@I
M?4K0<*Z/%#$GD@-F=09@[69U2I#T,:+=!%>5^6)6W,=GNVO`T712F]LG73@]
M"3+MO!&"^1'WGZ?-``S>K$T),O*$/L,0S)-A%LR1H_$<=6T&`(+3]0(RY@27
MQSZ-!HLR0:`Q+_W3J`0!+XU5/Q'4PPB>U:(\"(;R@.3C7H)&U-DE`0^Q.W4I
M)D5"8$*>8-H3\NR<G?]<+Z0/&@$JKU49\UID^H%N^G'OP4H*M+/UH60$DY5]
MYBP^L?^9`@43GQ!HY_0&GB8(FF.X*!($&@M!%Z@$#2\=*OHJ63&I19D0#F4"
MS4X)DJZ!K3E!Q7A$GN&B2!!H/"G]X5:"1B8%H4*+>%#<B&?'5`BV;5:G!(T,
MJC-^(5U_1)LA,?UYNR^NHA-3"P(:E:!A`8)&C1`\/1(",WF"E9LU&G9^/ZY1
M(P3S7!0,H1X,`QKM>W\0DS$GL@<L@=_[@Q?FM2@;PJ%LT&3:-W_UR5>>;+\X
MIM)%N1`.Y8)*0KES72[PI2>$$]D!)C46HB$)`W.("C05`GF*W4L0_-S0I<\;
MJ.QO1IYR(V+^\P0@KB+\>I]Q86@29!*J$8(6+2)Y,),GY()9J**U^7>Y1@CF
MN2@B(C#XOAWK0I4@.&?MCVMC5<R*F_;LD(C`XONL]&=="0)65!(C1<R)1(19
M$1%'DXW3?E,D09H2P3MP5:D)LR*!,,$*/!Y/2G66.@"0_-LV]5GVD@J_,5E5
M?@>LX/T3>+'BFK[DOZ?U2W%IK'-^9'^=<%<;=G4-;Y_`-VUU%:\J/%<M>VM$
M_//$WA+*V5L6[HJ!CU75=M_P]UMN[QT]_@<``/__`P!02P,$%``&``@````A
M`':/Y1G5!0``>!X``!D```!X;"]W;W)K<VAE971S+W-H965T-30N>&ULG%E=
M;ZLX$'U?:?\#XKTA0#Z:*,G5#55WK[176JWVXYD2DJ`&'`%MVG^_8\8)S&!,
MRDO3=(XGQS/C<TB]^O:1GJSW."\2D:UM=S2VK3B+Q"[)#FO[G[^?'QYMJRC#
M;!>>1!:O[<^XL+]M?OUE=1'Y:W&,X]*"#%FQMH]E>5XZ3A$=XS0L1N(<9Q#9
MBSP-2WB;'YSBG,?AKEJ4GAQO/)XY:9AD-F98YO?D$/M]$L5/(GI+XZS$)'E\
M"DO@7QR3<W'-ED;WI$O#_/7M_!")]`PI7I)34GY626TKC98_#IG(PY<3[/O#
MG831-7?UII4^3:)<%&)?CB"=@T3;>UXX"P<R;5:[!'8@RV[E\7YM?W>7P<2W
MG<VJ*M"_27PI&K];Q5%<?LN3W1])%D.UH4^R`R]"O$KHCYW\$RQV6JN?JP[\
MF5N[>!^^G<J_Q.7W.#D<2VCW%'8D-[;<?3[%1005A30C;RHS1>($!."GE29R
M-*`BX4?U>DEVY7%M^[/1=#[V78!;+W%1/B<RI6U%;T4ITO\0Y*I4F,132>!5
M)7&GHXDWG3]^)8NOLL#K-<OL[BP.[JLJTU-8AIM5+BX6S!XP+\ZAG&1W"9EE
M?7RHLKX^4!BYYKM<5"T%=`%-?=\L/'?EO$,C(H79MC$,$;01B_'BEL4!@C>6
M4+DF2S,[":;LYMXM;;6!;1O"$$$;\=C!#:K6Y"8K..F<L&L%Y2*HM&TU*L@H
M;!$S:6"F=!N!"4'J!TDXQ_XNRT5K&PK1X.A3!EO$/%8SX'IS&@U(=#[M*"`4
MZ^ODY").;D(_?HN8"9(;LVA`HEZ],5*X69M;?W/E(MY<UKHM8J!`M^(R1&!"
M$([S-L?^YLI%O'XS5C_$8/T>^.DEP5G=>4)-VNB7U44NXM3J_'B`$:.H\<Z2
MH%LO)=060ZC)18R:6T\.4D.,J;,F!.'H@A+S^O6/7[6*SQ\7%P4RT31"*,]A
M+H(&8!88%T'8Z3$=T$`%9WC"?:^.4WI2S+\\ABY:`*7'1FVK0$B/VTQ`HNZX
M/E^4GI1Q1N^.+J/XP\^;@BP\IB%;U^00U;@&1@CE*>6<\>P7&E>N8F?&JRN!
M9T:!.KJ,&=1AG]7GC;(;9"/R6;#%KE8,Q:YI%0_UYZL"DJA;;XW2TSC)'<5#
M$R`SZ-8VJNB9G$)Q-$$H3XV;W#&,Z`9T&%N2<[6,>F+9O`:N"4)Y#K(65^<M
MK*%;!>H8QJ:Y>./'FR)1=H/<Q=78B]=2G*M[R,?N6O!4G_5!PLT;9"K5*FXJ
MK'U;!3*9BA%">0XR%4]G*O69Q!.C0/H.DV#CL8>2&V0IGLY2N-HH4`<YS,"#
ME)L4_2_KM(=60:6&#Y\"&1MLLAS*4^HZX]DO-1ZZ@5EJ%,C($_/H(93G(&>1
M_Q]H.0N7&@7"=K:_/]'PK!YCRF^0M7@::VF)C0+Q<4.QZ0A2;H/LQ-/924ML
M3%ZA&)H@E.<@._%T=E)W28E-TS$:>J(H=D0INT%VXNGLI*4V>L=0Y/1!PDT^
MQ#1/L?E_,Q6:/0TVOJ%AQ11(?S21F1%"^6ELI%]E?+01L\HHD)$GYM%#*,]!
MCN+K'(6KC`+I3S$)^O4AH^2DJ#.IEBWH:39:`;&4EL3X".H@IP]2;E!<SNV.
M!LM5?<\S/H+TW5.#:()0GH-LQ-?9")<8!>JH(6;`8$-_*+E!'N+K/(0KC`)U
MD,,,/$BY,0_I&3K4?#IT]6.Z4AB3,:C&FB"4G\8[[AA`%'X8\,;W=_Z5R;^Z
M0PVJ3ZCB:8)0GH-<Q->Y2$MA]$:A&#:#?OV5A9";,!NY[R*B6L7LI*4P"H0S
MYK,2!R3:L"+*;I")3'0FPOJW52"3QA@AE.<@$YGH3(1KC`+QDXHM)L$NC8%[
MOI90]YM(M8JWF&N,`N$]1./S%3MTD5842X=WAW@I=@X/\<\P/R1989WB/9S,
M\6@.^IGCS2&^*<6YNEYZ$27<^%6_'N&&-X:;L?$(P'LARNL;>3=YNS/>_`\`
M`/__`P!02P,$%``&``@````A`/G3ZL(8!@``!1T``!D```!X;"]W;W)K<VAE
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M8!U`I(?[?0$G$&GWZORP]3^'F]TL](.'>YF@?XO\K>G]VVN.U=MO=;'_HSCG
MD&VHDZC`4U5]%]"O>_$GV!P8NQ]E!?ZLO7U^2%].[5_5V^]Y\7QLH=QS.)$X
MV&;_\TO>9)!1"#.)YB)25IV``/STRD)(`S*2_I"_WXI]>]SZ\6(R7T[C$.#>
M4]ZTCX4(Z7O92]-6Y7\(DB>Z!HE4$/BM@H3SR2R:+U?OB1*K*/"[B[(8'27`
M<\DT?4G;].&^KMX\T!XP;RZI4'*X@<@B/S%DV9X?2(S8\UELDEL!W4!17Q_6
MT?H^>(5"9`J3F)B0(G8F8CW540(@>&4)F>NS=+,38,IN&=%')R:$(78F8G6#
M&V1M/#<!%MR$TD0JD^X/GDYE/*5L=VX,2=2,DA'EG-V4>U=.L0G*[O<YL&(E
MB(&?5YYSQM*%(!R!3S]AXR0G-FU]J,KU^>N8U2Q!S$P*<L'8]=>BF3X=8;;X
M"#.QB3.+Z=,3Q""S<$D7=V3Q!K,E9>:^``+,&<WH0Q/$(*.(T=V1Q;E.,TF6
ML$C6.8:E)C9QJ3$A)8AQ2<V%(!S7)L?A[B8VL?3Q#"6(64FIA1&O*%E=SF\T
MCA#Z+,_@,#NYB]/CU54@);@I6][1Y=[A2/)"Y@UNT4DTXQ6S6Y@H4"<[+7;9
M#'=J>8%I7:UN*"\4S?G=TI.[F/8BKCT%<HG/":$)%(V;\1Q18&SWI-5%1B(1
MA(F\,_)(5A=:GI2>Z-COIX=]GM+33T!7"Q&DZ!GR(ZN]?DCI,9\8D)_-(`Q:
M?1>X8[7?B;D0+KXBO=*L*2V+20SWO=#F$BO6DQ4(LG,U.8-C9Q8V".7)+&/<
M*!!BZP?]7"FL8R:O1(&</#L+T7'T42A/BX^,N"1H`42%QCP0=CXA)E1V@W9D
M,8IT+2B[#SE(:+&0F)ELHD`HM]XE4*T00^"JYD[(1<Q`W#=$HGF#UB+'BZM`
M^-B>,2`IMJHW4UK,-\8I+\*O`U1Y6C.*'H)<RE-Q[!#*TV(CP\J+Q"Z61IZH
M1(%4;8WY0"TKGULL]#$I0='&W]V@(VS^Y&I$NE0JD0A2!(T!0<50,M";*3W(
M<9_>@/P$FN7-F`\B!'7R8XUGIY:[O-WZ1B:^FO>)C10@MG\B0&,^D*&%1]CZ
MFKHDG8W8(#2!%BL9(4"+E1CS0=3YA&A]QGQ`5^>Z,U%Z%@<900\[/Y4?-^*H
MLP=)3^M+99"LWA@"(^8;`^JS^87!JN\7QG@@'W@=#^:W[NR'#".R&8;^VJ#N
M;&<)-F&IS+D@I+BBD.^_(W(7FZ&-\4"!7'?$":$\+68B=KO+':-/$!$:XX$"
M.7EV?B-T&MZX)[%PA'>W:;F+]T/]!"RY`CDIBJ=WLKPARI@9R4#R+`82LSN:
MR)#N1GB%R.3=&+!B.!M/WO`X+7=Q'>K#J^2)T`,471"J0XNGC-`A>@'1H3$L
MQ"[#P'M]A8A4KG4M*,4/V4ELLQ/]!)7*SDYNMQX5!ZU[K7L7I<@L94"(%BLQ
M1H:X,PL'M0XBA;C6EXQR8X8R;FJ(T3/<4X,".:]QYSVV8U">'W*8V.(PQM2@
M0$Z>G<.(7-Z%6BB$X\SB+L.W1>YB+9'/SHD"N3A>(<A1]P7*D3F+6XOPDLH<
M7_D`H4!.;A@'_^?PKO?6!+GABRQ\0W-)G_-O:?U<G!OOE!_@"_ETLH1>4>-K
M+/S05A?YKN.I:N'UD_SG$5XWYO!N83H!\*&JVNZ#>%%V?8'Y\#\```#__P,`
M4$L#!!0`!@`(````(0#KGY3L?`8``'8A```9````>&PO=V]R:W-H965T<R]S
M:&5E=#8W+GAM;)R:76^C.!2&[U?:_X"X;XC)1Y.HZ6B"[=V1=J75:C^N*2$)
MFA`BH-.9?[_'V";8$!^RO6B:\/B-SVL?^X#[\NE[?O:^I665%9>M3R93WTLO
M2;'/+L>M__=?_&GE>U4=7_;QN;BD6_]'6OF?7G_^Z>6C*+]6IS2M/5"X5%O_
M5-?731!4R2G-XVI27-,+7#D491[7\+8\!M6U3.-]TR@_!^%TN@SR.+OX4F%3
MCM$H#H<L26F1O.?II98B97J.:^A_=<JNE5;+DS%R>5Q^?;\^)45^!8FW[)S5
M/QI1W\N3S9?CI2CCMS/$_9W,XT1K-V]Z\GF6E$55'.H)R`6RH_V8U\$Z`*77
MEWT&$0C;O3(];/W/9,/#E1^\OC0&_9.E'U7G;Z\Z%1^_E-G^M^R2@MLP3F($
MWHKBJT"_[,5'T#CHM>;-"/Q1>OOT$+^?ZS^+CU_3['BJ8;@7$)$(;+/_0=,J
M`4=!9A(NA%)2G*$#\-O+,S$UP)'X>_/ZD>WKT]:?+2>+Y^F,`.Z]I57-,R'I
M>\E[51?YOQ(B2DJ*A$H$7I4(F4U6B\5\N7H>KS)3*O"J5<))N%J0Q?*!OLR5
M"KQJE?_1%^AU8PN\:I7P85N62@1>M<CXK@1RH)IQIW$=O[Z4Q8<'R01#45UC
MD9ID`\IZP.7PM%/@W@R`H1<BGX5*HP6#6\&T_?9*IM/GE^`;S+5$03L)/?M>
M"\V(B40:$3-+"%/]P:V-U81I0C?A\H-F2@409!LI3"<[TADDR/#4UH&)1KW`
M5F:O=WTH-(FH3\PLA/81BV!]PA;A?62U;KMBN`%I\;@;HA&D=&<$89AO7]`,
MV4Y"D##M,"_:+C1$A!(4)1A*<!=A6`%=?=P*T6CK@]]ME&1*IF:@.PFMFH1X
MGD^;'Q.)#&0YA-`N$I+G(889S$HB5F^X9.!WV^7;P!B&P#+5-<2=(0+N&6$E
MZ4Y"\\8(JUN1OC;4+;D(:$*L*U9KIJ_=;<TU8;8V`H:%;WS``NX%;.7J3D+#
M`>MK=[M,-6%VN3&#Z6MW6W--F*V-@&$1'A^P@'L!S\QYO).0#'@VGX3K[H^U
M$T0:OAL#U82(`9-C&KXKQS4AY,AJ.KEUR+!%E+'69HAO$:)1SYZY98^$EDT"
MK`=3.)+(<'K*/,!%&"K"NR*AO>`8;JQ--]S+@(#-K6&]LE<!R3@BC%""H@1#
M">XB#`<(U`?=">&VH*%[,^&VQC:#N%.4G`JP?8H?<[)$"G$817$5AJMP4R6T
M=RC3"U%7=9(#\4)68=;^N#0#W1%).0*-<(3B",,1[D1,)T25-=X)69-!-=)N
MN_W,(!)R&H$B%%=A.,*=B&F$*+'&&R$+,@BC-0)*IMM*K-)#4BH]R)T$D9##
M+DI&Z#`%.71XBSAV4P("71_$312^;S2M>LN%?6^A*$<7(QRA.,)PA#L1<V:(
MHFO\S)`E&HQ8.S,&4D37<3?(6EHC\:0"-B&'5Q1'&(YP)V(:(8JQ\4;(TLU*
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M]756%G,%#0^3:8VH[CIKB+!F#KN_^Z8D%*UZUMA/,A0UW`MEC!1R(!1783C"
MG8CI"'2FZPCBA*"QV_500HXH(QRA.,)PA#L1TPA1!%I3`R_&Q9%0?VK83W$4
M);/F:?C>1#&#C_ZH(;`>2B?F:L_;BT.ECVG#0X5G.%1XAG;AJ2CGA-"UZ5`'
MU7J!(@S_(NY$3"<>*D%#65PB^PE>@2H=AU<41QB.<"=B&O%0!0K'S`,982W9
M.T7)(P[K8J0N.CV0WS+8GN'MQ6&XZ*7=7L8MC[GE<6>>EL<T2L_GRDN*=W&$
M'<+#V/93>;R^(QLX@H231.MS2C9PS@B?!^T%./6^QL?T][@\9I?*.Z<'D(0'
MR[".E/+<7+ZIBVMS?OA6U'#>W?QY@O]O2.%P<SH!^%`4M7XCOJ#]CXG7_P``
M`/__`P!02P,$%``&``@````A``*:_()G!```0A(``!D```!X;"]W;W)K<VAE
M971S+W-H965T-C@N>&ULE%A=CZ,V%'VOU/^`>-^`'0A)E&2U,)IVI:Y45>WN
M,R%.@@9PA,EDYM_WVI<`QDP&7F9"[N'Z^-ROV)NO;WEFO;)2I+S8VF3FVA8K
M$GY(B]/6_N_?YR]+VQ)57!SBC!=L:[\S87_=_?[;YL;+%W%FK++`0R&V]KFJ
M+FO'$<F9Y;&8\0LKP'+D91Y7\%B>''$I67Q0+^690UUWX>1Q6MCH85V.\<&/
MQS1A3SRYYJRHT$G)LK@"_N*<7L3=6YZ,<9?'Y<OU\B7A^05<[-,LK=Z54]O*
MD_7W4\'+>)_!OM^(%R=WW^K!<)^G2<D%/U8S<.<@47//*V?E@*?=YI#"#J3L
M5LF.6_L;64?4MYW=1@GT,V4WT?ELB3.__5&FA[_2@H':$"<9@3WG+Q+Z_2"_
M@I<=X^UG%8&_2^O`CO$UJ_[AMS]9>CI7$&X?=B0WMCZ\/S&1@*+@9H8T$IX!
M`?AKY:E,#5`D?E/_;^FA.F_M^<*V]DQ4SZET95O)550\_X5&(LDT+]/ZY3FP
MKNUT1I<^\1>PV"=>'&2B-O845_%N4_*;!=D":XI++'./K,'S\$Z`A<1^DV#U
M"I`5(/_KCKATL7%>0;.D!H4("FRK`5$=$9F(Y:J!.$"L80=['L].@G5V06_E
M$"&!TE7N*.I\H2T,4HQ?6((AE)T=@RQ!LR.E78@@KP/R=43T"*&1`R?CR4GP
MUH9]-N'PO:6^<HB8)494MT6:C7J-56,$^3>>D03W&;7Q1[40LU",O,#KF2/-
MO%RU8=9806V-9R7!.JM@WHM0B!A/L5K2=E7%.>I:`Y<,*P5U,9Z3!.N<B-M&
M`)5"#"KE^_V,CS1S0-JLU)22`VIT%Y#@/BO:3RD$0?*T:=<(@G(]0FCD5E/(
M2?"GM8B@1^0>(31R!(;(>.D46M?.K,8:A&G6IA&JIAL_JD<RK:UC0]9[1*_D
M0N5R:R.KN5&1NIFZ3;!UM62_'9UH!+MSEY=9DS4(>;7+UFJAA[Y1YR3[[GA.
MV*6[G,R:)/=6+D?DW#=8=<V>UU:TSDMVWO&\L$_KO*@11$0]RGSR"*(3G-3U
MY>^DSRNS1CTDB(Z&(3K!20.`F!-@H#:[3=Z(Z[!1YS1I`!!S`OC]T@MK4#TL
M/=>@U9T!7G=$Z,PF#0%B3H&!VKSW>%D'YL"L?6!U?C@QR:3^K]!ZAQVH3VSO
M]="DQB2OG=SMP7RXF]%)O5^A^\SFO6"%-6HXN[&I/81H(:63QH!"?SH[:]1#
M@CA/AB$Z0=F?1_<XBMV\V^/,"JU!_99?2X<>^D:=TZ1Y0,UY8%9H#>HO6W/J
M3H,V'71.H.4$G21:SS2S-BF"/N`T;-0Y36K_\HC:XV3690W"@T@K1:T3>N@;
MD1,>V?%DF[/RQ"*69<)*^%4>QRG\8F^^Q:N"D*Q#*L^!O>\C>86@+@$:`YS@
M+_&)_8C+4UH(*V-'<.G.`N!3XAT`/E3\HHZ?>U[!&5Y]/,-=#8-SICL#\)'S
MZOX@;QF:VY_=_P```/__`P!02P,$%``&``@````A`(@[O#V&`P``A@T``!D`
M``!X;"]W;W)K<VAE971S+W-H965T-CDN>&ULE%?;;N(P$'U?:?\A\GM)'*!<
M1*@*57<K[4JKU5Z>3>*`U22.;%/:O]^Q';(X@1!>6I(Y/CYS8698/+SGF?=&
MA62\B!`>!,BC1<P35FPC]/O7\]T4>5*1(B$9+VB$/JA$#\O/GQ8'+E[ECE+E
M`4,A([13JIS[OHQW-"=RP$M:@"7E(B<*'L76EZ6@)#&'\LP/@^#>SPDKD&68
MBSX</$U93)]XO,]IH2R)H!E1H%_N6"F/;'G<ARXGXG5?WL4\+X%BPS*F/@PI
M\O)X_K(MN"";#/Q^QR,2'[G-0XL^9['@DJ=J`'2^%=KV>>;/?&!:+A(&'NBP
M>X*F$7K$\S6>('^Y,`'ZP^A!GGSVY(X?O@B6?&,%A6A#GG0&-IR_:NA+HE_!
M8;]U^MEDX(?P$IJ2?:9^\L-7RK8[!>D>@T?:L7GR\41E#!$%FD$XUDPQST``
M_/5RIDL#(D+>S?\#2]0N0L-[Y&VH5,],4R$OWDO%\[_6B"L*>SBL#@]!=64/
M!^%TC,?W<-D5%M\J,8X]$466"\$/'E0+W"E+HFL/SX'YO"?@@L8^:K`Y`F(E
MA/]MB8,A7OAO$+.X`JTL:(*\&A2ZB'4;,9W5$!^$U>K`Y_[J--A5-VG<O+(0
M4R'&H_7)"^=B"$7_BS484GGB,82E>;4%C4Y`X]IGJZ4+X8@#DO[B-#A"X&>=
MCLFP<?/*8J8FH^'HOJ'+L>)A;74T007VUZ3!KB:,F_&RF-$%38[UDB;X;O77
MI,$-34$XK9TU*5I9$`2D#F8CE.LNA!,P^(+T%Z?!5RO,@KK$=2$<<7I@]>X*
M&NQ&KEUA%F.S&;A!79^W.7IFM^C18%=/N[HLYKR>\S9'#X;1T3]`!MU0%(3_
M6YZMK0K5E;].B"OPMKYN._*5#H8MJE-@%\05J#MO[Q+#MD]W=[$*=*EEN.9+
M/0/K+MQ?E^W9I[K:M68H(W11U['OZWD:7M0%8;]!ET8W*V[8^.*ML$5U)K0+
MXB;TI@F@MZ;K':U"=0H\3H)S+=D5>-,XP.UYT.YJ%>A\&[E@=#7=-`5@M6UE
MM34W*Y`=YHV,Z^58,S2-5I-=>^UVF%.QI6N:9=*+^5ZOM"%,XOJM7;=7>`X;
M%:RYC?=K6,/->[\VP!9<DBW]3L26%=++:`J4P6`"V1-VC[8/BI=FA=MP!7NP
M^;B#WSL4ML]@`."4<W5\T)MZ_0MJ^0\``/__`P!02P,$%``&``@````A`"@]
ME\88!```:PX``!D```!X;"]W;W)K<VAE971S+W-H965T.#`N>&ULE)==CZ,V
M%(;O*_4_(.Z'[T"(DJPF(;0K;:6JZFZO"3@)&L`1)I.9?]]C'V"P89EL+DAP
M'K_V><^Q,>LO;V6AO9*:Y;3:Z+9AZ1JI4IKEU7FC?_\W?EKJ&FN2*DL*6I&-
M_DZ8_F7[^V_K.ZU?V(601@.%BFWT2]-<5Z;)T@LI$V;0*ZG@GQ.MRZ2!V_IL
MLFM-DDQT*@O3L2S?+).\TE%A53^B04^G/"4136\EJ1H4J4F1-#!_=LFOK%,K
MTT?DRJ1^N5V?4EI>0>*8%WGS+D1UK4Q77\\5K9-C`7&_V5Z2=MKB9B1?YFE-
M&3TU!LB9.-%QS*$9FJ"T76<Y1,!MUVIRVNC/]BJV+=W<KH5!/W)R9X/?&KO0
M^Q]UGGW+*P)N0YYX!HZ4OG#T:\:;H+,YZAV+#/Q=:QDY);>B^8?>_R3Y^=)`
MNA<0$0]LE;U'A*7@*,@8SH(KI;2`"<!5*W->&N!(\B:^[WG67#:ZZQN+P')M
MP+4C84V<<TE=2V^LH>5_"-FM%(HXK8@+LV__]PQGN;`7_B^H>*T*?'<J"\-S
M%L'R5^8"LQ8!^1\JC\_%1'>$V5'2)-MU3>\:5##$SZX)7P_V"I0[E]&3WO>?
MV0Y^<Y%GKK+1`UT#1QG4RNO6MBUG;;Y"@M,6VHTAUY:1?8?P='+A"!O@V@LO
M5=U#U^F#463CCN#U!G'WP4-ZA\%/EU87(X=YC-W<=M@PG)L2\7Y,N`H2C9&E
MY<JN',:,HA*/B<%`4LA0R<.0>;Y=6)OSH?-.P`VR8%NA)\]RAQ#4>)^JA4SL
M/R6B3XG#IT0\1TA6P%2'5LQ;P.&-#C[WT?FADJ<=,DM1_X%K6^*C>"`QH3O%
M1,C`M1]+<?(P5'$<#U4L>:A8A@)X?O%/#TE>P.;RN!<<5KU0JP$97WCAN>K8
M8G'O)<:?9")DYKP8JMBN/VE[+$-AZ]BT%[`-/NX%AV4O8.=3"P,A-"/TE3R@
M%T,DF"X+1.:L&(HXRTE#8XEQ0F4R4E'`?OZX$1R6C?!#OS=8!+E#IO5A,E%[
M"5'3A,\$1.9\&(K`TUJ)4:C$,J-Z)?G`CY3*,_+S/9-W4OT(%#^003^>[,EY
M[I'QQ$+Z6+SHA-3?=R8KZR!#WJ3M\?0HD@NA[,+\=LEA.7I8%NH>@1"&[TPO
MW+W,J.6*-B`S5Q!#E:4_Z5,\9`)7+3W)"CCW2A4Q[X6@1V8H6_JNI?#I82]^
MLDW(E!].9C-JJ3E')"'/G7X2\0,^SR-.R@LAA^+3ES&Z@F=X/%:6I#Z3/2D*
MIJ7TQL_G+I1NW]J_.SP[_""EM._L%1P!Q^T'_J[!V\V^`QSUK\F9_)74Y[QB
M6D%.,)1E!+#1U_BR@#<-O8I#[I$V<,@7/R_P4D?@<&D9`)\H;;H;/D#_FKC]
M'P``__\#`%!+`P04``8`"````"$`9VAWX&X"``"U!0``&0```'AL+W=O<FMS
M:&5E=',O<VAE970X,2YX;6R45-F.FS`4?:_4?[#\/AC(D$TAHTE'TX[42E75
MY=DQ!JQ@C&QGF;_OM9VX25.UZ0M@./><>^["XN$@.[3CV@C5ESA+4HQXSU0E
M^J;$W[X^WTTQ,I;V%>U4STO\R@U^6+Y]L]@KO3$MYQ8!0V]*W%H[S`DQK.62
MFD0-O(<OM=*26CCJAIA!<UKY(-F1/$W'1%+1X\`PU[=PJ+H6C#\IMI6\MX%$
M\XY:R-^T8C`G-LENH9-4;[;#'5-R`(JUZ(1]]:08239_:7JEZ;H#WX?LGK(3
MMS]<T4O!M#*JM@G0D9#HM><9F1%@6BXJ`0Y<V9'F=8D?L_FJP&2Y\/7Y+OC>
MG#TCTZK]>RVJCZ+G4&QHDVO`6JF-@[Y4[A4$DZOH9]^`SQI5O*;;SGY1^P]<
M-*V%;A=@R/F:5Z]/W#`H*-`DN4^#J0X2@"N2PDT&%(0>_'TO*MN6>#1.BDDZ
MR@".UMS89^$H,6);8Y7\$4"92RJ2Y$<2N!])LCS)IT56C/_-0D)&WN`3M72Y
MT&J/8&A`TPS4C6`V!V;G;`3U^;,SR,;%/+H@'PIH`]W8+;,L'2_(#FK(CJ!5
M`$TPBJ`\(@BHQQ1`]CR%OTL[\*7TY!>MSVX5(!/?T7.=T?_H.#"4XBQ[L#B)
M!H)2`-V?@8J(N+`(D-LM.G")P44L'$A/(W&0#J"I+WX:OUV(PFC=+NK`5Z*S
M2!Q$`RB(CHK?9</ZA.F27#?\'>\Z@YC:NM7((-7X-FSM"K8V]VV*'V!K!MKP
M3U0WHC>HXS6$ILD$E'78NW"P:O!3L%86]L4_MO![Y#"=:0+@6BE[.KC-CC_<
MY4\```#__P,`4$L#!!0`!@`(````(0#X!'`L.`@``(\H```9````>&PO=V]R
M:W-H965T<R]S:&5E=#@R+GAM;)Q:77.C.A)]WZK]#R[>$R,),$[%N75!FMU;
MM5NUM;4?S\0F"36V<0&9S/S[E6AAU*T$\+[,Q#Y'C0XM=1^P'G_[>3JN?I1-
M6]7G7<#NPV!5GO?UH3J_[H)__^O;71JLVJXX'XIC?2YWP:^R#7Y[^O.?'C_J
MYGO[5I;=2D<XM[O@K>LN#^MUNW\K3T5[7U_*LT9>ZN94=/IC\[IN+TU9'/I!
MI^.:AV&R/A75.8`(#\V2&/7+2[4O9;U_/Y7G#H(TY;'H]/S;M^K2#M%.^R7A
M3D7S_?URMZ]/%QWBN3I6W:\^:+`Z[1_^>#W73?%\U+I_LJC8#['[#U[X4[5O
MZK9^Z>YUN#5,U->\76_7.M+3XZ'2"LQM7S7ERR[XG3VH2`3KI\?^!OVG*C]:
MY^]5^U9__*6I#G^KSJ6^VSI/)@//=?W=4/\XF*_TX+4W^EN?@7\TJT/Y4KP?
MNW_6'W\MJ]>W3J<[UHJ,L(?#+UFV>WU'=9A['IM(^_JH)Z#_79TJLS3T'2E^
M]O]_5(?N;1>(Y#[>A()I^NJY;+MOE0D9K/;O;5>?_@LD9D-!$&Z#Z!$V"./W
M/(U9G,Q'6<.,>H&RZ(JGQZ;^6.E5HZ_97@JS!MF#CCPH@WE<M7XE56LT07XW
M4?I86D6K\_/CB3$6/JY_Z)NZMZ0,2)M@=24)ABGY0#&WT`26PQ?C&#)$#0R3
M/ZWI*DS?+E?8YZD:YF_(>/X;CJ>6^13"R'V&(!3I4PA#^0PG"!(HL$"3.:%7
M]K10,TCSG!SH1)%;F@$I<D@QOAGY+$/.,M04`PG5$UF>24/>!?HNCHM,X,EG
M0$G[99IL183AW(4W(4LQ+%V8,R8V&%<(#Y/M]HHC47JO+1=ER%A41#<74!+8
M>RFC"4/P)B&3EBX<BY@$5PCF?+RA2%)RBR1#)I+(G#.@1+VDB),YY0A-21(E
MH/9VB)#N,@1'V_'*2)`N56Z.ENTP,P@+TQN,7#\#$DPO%7Q<(WW5RS$<DOTI
M79C'+!VGWP]7"(\B/F8;R3/NQ"G]TX7#D+&L9%P&_64SH-A['FW&JX(H!(LD
MN>Z+'I8N'$6";#N%X#`>;PF2M+U%DB%C22G=[1EP])Z^EA-RL_-9AIQEJ"D&
MTL=T@7=SMFQ)]J-FJ[YE36F=I\AYBIJD8+FFN2]>H@RLP&3MMQQ8I((S4C=R
MC(>T$DJ$;Z.8[`&%\'2[_6*=,M/FEPL#4^`*\^I_'W$7#+LOH<N4X"'97Q+A
M$=^2[:DPSJ)Q/,Z8Z>K+A8$'0,+(Q#,V^(3>5<:DDN88IJY-(CB*27"%X/@K
MI\5,3W=$+=QUX`1<<9]T@C[VD+<H=FHU5$V,\Y3D12*<Z59"5K3"!)Z$8UW&
MF3--WA$YW0[,TP\IGEX_L!QHX&E*FQR"-RE)K+0P+&BN30GN%PKC;@_%LDRK
M7RX+C(&;LY2/>QCZ'`/29*&<I<CY*&J2@E6:EN^H7+A"P2CH#7;M;I\\#3!@
M3<J=I<CY*&J2@N4:-^#(G5FKX!W<I`I2MS/F^@O&0[+-<HRSA*P)B7`1;PBN
M,!XY_AP+,TY@N3#P#:XPOR\,WL*43[XANG.&X)1,6R(XY=X>=$>G8K3H2!0G
MIF4Z6ST;V[*(7#>S'%M9")ICE&12(I3'I"HI##OW"TLBQF39?N.^0?FD(UB6
M[>2"%O2<X+$G$*X"XR/_`16-%UNG96*)>EDM7XK<L''6O'Y@.9`U%I&"GT_#
M$L%B,_J/OB@K!,=\A+&HF^P)]^U)RLFT,TN:*H_S%#E/49,4K-(X#Z>*+%R=
M9M3L4P('UJ3<68J<CZ(F*5CN3<[%O"LE*]7K!I8#*W4;CXX)/)F%[0[E]$E7
M(ES$WK,LQC?I&!_KNLFZ<-^Z>,W`<D`7,8HY`DF?D`BD+PP50L>*BM40BS+3
M!<!1H-9&ZGS&!]=A6AOMR#E":9F7"&7452L"CVT12R(V9.$^\^W(9UT`6'8)
MAF-KM4L0^Q7J425W<2%H+5883[[R(]PT>*>2S"0-[(";-'KAK(^X"T`7#[U%
MZ#H*3I,JT>AM-"XUVP3<T8G3(U#:S%MR5]2RM/6C<(?S#%%F25/5<9XBYREJ
MDH+5_E]618")F'DTL*Q)N1!H@B+GHZA)"I9[DVT1OFWQFH'E#'XL&:T%;$6"
MAV112H1'(7W"5P@7J>/GL+";K(OPK8O7#2P'MJ+W)@RA1+-$H/=HCM"O?BT0
MQB4L+BT]&^\^[ZG`<D#/G9\G<\&A\MPEQ,=)/)K3%V0*X^RKIBV(&5E87'Q3
M\DE/Z&,/[XI81%].YA@7&V\EPE7LDP'?D*:BT/@H=%[1XY5XDR\1OB_QFH+E
M0.;<WROL#H,0``OGG6H/2SMZL&,1\2X*XVPS/C!A63<9%.$;%)TQ<NG,LB:J
M7SY/D?,4-4G!,HTS</;=P@4*?F*N'P!K4NXL18I9BIJD8+DW.1CA.QB_'[@F
M@WFO-6T(6*S<,V8(CIW7Z.!@$)PX.QR)BHB#F;9E/9O43K+U,\N!65.WG"/4
M^_$8H2PE>T`AF#M;!$LB-F5&$K@*UVEZ[2`:G$?_P\&6*,X1S.E/L!+!"3W+
MHC#L_%J"11$SLFRO1;XI^:096);-&&G0.49I(T`HHVM48=C)-Q9WDR'1Q[/H
M8[?7!BP'3F;<>;]KYQCG-"D2XXDS<=A<%!^7!`B#\U]P/.I4-J]E7AZ/[6I?
MOYNS75P?1+A^"^?.,O:0]X>TR/=2GT?KOU]?`7T<[%*\EG\OFM?JW*Z.Y8L.
M&=YO=$MNX$`9?.CJ2W\0Z;GN]$&P_L\W??"OU(>APGM-?JGK;OA@CCQ=CQ(^
M_0\``/__`P!02P,$%``&``@````A`/MBI6V4!@``IQL``!,```!X;"]T:&5M
M92]T:&5M93$N>&UL[%E/;]LV%+\/V'<@=&]M)[8;!W6*V+&;K4T;Q&Z''FF9
MEEA3HD#227T;VN.``<.Z89<!N^TP;"O0`KMTGR9;AZT#^A7V2$JR&,M+T@8;
MUM6'1")_?/_?XR-U]=J#B*%#(B3E<=NK7:YZB,0^'],X:'MWAOU+&QZ2"L=C
MS'A,VMZ<2._:UOOO7<6;*B010;`^EINX[85*)9N5BO1A&,O+/"$QS$VXB+""
M5Q%4Q@(?`=V(5=:JU68EPC3V4(PC('M[,J$^04--TMO*B/<8O,9*Z@&?B8$F
M39P5!CN>UC1"SF67"72(6=L#/F-^-"0/E(<8E@HFVE[5_+S*UM4*WDP7,;5B
M;6%=W_S2=>F"\73-\!3!*&=:Z]=;5W9R^@;`U#*NU^MU>[6<G@%@WP=-K2Q%
MFO7^1JV3T2R`[.,R[6ZU4:V[^`+]]2696YU.I]%*9;%$#<@^UI?P&]5F?7O-
MP1N0Q3>6\/7.=K?;=/`&9/'-)7S_2JM9=_$&%#(:3Y?0VJ']?DH]ATPXVRV%
M;P!\HYK"%RB(ACRZ-(L)C]6J6(OP?2[Z`-!`AA6-D9HG9()]B.(NCD:"8LT`
M;Q)<F+%#OEP:TKR0]`5-5-O[,,&0$0MZKYY__^KY4_3J^9/CA\^.'_YT_.C1
M\<,?+2UGX2Z.@^+"E]]^]N?7'Z,_GG[S\O$7Y7A9Q/_ZPR>__/QY.1`R:"'1
MBR^?_/;LR8NO/OW]N\<E\&V!1T7XD$9$HEOD"!WP"'0SAG$E)R-QOA7#$%-G
M!0Z!=@GIG@H=X*TY9F6X#G&-=U=`\2@#7I_==V0=A&*F:`GG&V'D`/<X9QTN
M2@UP0_,J6'@XBX-RYF)6Q!U@?%C&NXMCQ[6]60)5,PM*Q_;=D#AB[C,<*QR0
MF"BDY_B4D!+M[E'JV'6/^H)+/E'H'D4=3$M-,J0C)Y`6BW9I!'Z9E^D,KG9L
MLW<7=3@KTWJ''+I(2`C,2H0?$N:8\3J>*1R5D1SBB!4-?A.KL$S(P5SX15Q/
M*O!T0!A'O3&1LFS-;0'Z%IQ^`T.]*G7['IM'+E(H.BVC>1-S7D3N\&DWQ%%2
MAAW0."QB/Y!3"%&,]KDJ@^]Q-T/T._@!QRO=?9<2Q]VG%X([-'!$6@2(GIF)
M$E]>)]R)W\&<33`Q509*NE.I(QK_7=EF%.JVY?"N;+>];=C$RI)G]T2Q7H7[
M#Y;H'3R+]PEDQ?(6]:Y"OZO0WEM?H5?E\L77Y44IABJM&Q+;:YO..UK9>$\H
M8P,U9^2F-+VWA`UHW(=!O<X<.DE^$$M">-29#`P<7""P68,$5Q]1%0Y"G$#?
M7O,TD4"FI`.)$B[AO&B&2VEK//3^RIXV&_H<8BN'Q&J/C^WPNA[.CALY&2-5
M8,ZT&:-U3>"LS-:OI$1!M]=A5M-"G9E;S8AFBJ+#+5=9F]B<R\'DN6HPF%L3
M.AL$_1!8N0G'?LT:SCN8D;&VN_51YA;CA8MTD0SQF*0^TGHO^ZAFG)3%RI(B
M6@\;#/KL>(K5"MQ:FNP;<#N+DXKLZBO89=Y[$R]E$;SP$E`[F8XL+B8GB]%1
MVVLUUAH>\G'2]B9P5(;'*`&O2]U,8A;`?9.OA`W[4Y/99/G"FZU,,3<):G#[
M8>V^I+!3!Q(AU0Z6H0T-,Y6&`(LU)RO_6@/,>E$*E%2CLTFQO@'!\*])`79T
M74LF$^*KHK,+(]IV]C4MI7RFB!B$XR,T8C-Q@,'].E1!GS&5<.-A*H)^@>LY
M;6TSY1;G-.F*EV(&9\<Q2T*<EEN=HEDF6[@I2+D,YJT@'NA6*KM1[ORJF)2_
M(%6*8?P_4T7O)W`%L3[6'O#A=EA@I#.E[7&A0@Y5*`FIWQ?0.)C:`=$"5[PP
M#4$%=]3FOR"'^K_-.4O#I#6<)-4!#9"@L!^I4!"R#V7)1-\IQ&KIWF5)LI20
MB:B"N#*Q8H_((6%#70.;>F_W4`BA;JI)6@8,[F3\N>]I!HT"W>04\\VI9/G>
M:W/@G^Y\;#*#4FX=-@U-9O]<Q+P]6.RJ=KU9GNV]147TQ*+-JF=9`<P*6T$K
M3?O7%.&<6ZVM6$L:KS4RX<"+RQK#8-X0)7"1A/0?V/^H\)G]X*$WU"$_@-J*
MX/N%)@9A`U%]R38>2!=(.SB"QLD.VF#2I*QIT]9)6RW;K"^XT\WYGC"VENPL
M_CZGL?/FS&7GY.)%&CNUL&-K.[;2U.#9DRD*0Y/L(&,<8[Z4%3]F\=%]</0.
M?#:8,25-,,&G*H&AAQZ8/(#DMQS-TJV_````__\#`%!+`P04``8`"````"$`
M9A7/$0X4``"H%`$`#0```'AL+W-T>6QE<RYX;6SL76UOX\81_EZ@_T%0VJ(!
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M]ZS;*89\FRX`Q._^O4NSSWY3_//)'S[YI/^O3S_[Q]?AXI_?_E[\V[>?=GME
M-ZA-L,'Q-E_WCS8+?RY:[NU'<'VY3)-J(),)T,38>O,Q27](9NQOX`PP//:Q
MZ\OMCYWO@QC>&3!X\S1.-YT,K`SCR]])@E58?.(VB*/[3<0^M@Q64?Q<O#UD
M;^2.L?_<*@(SL3=[10_M]G//T)1CNF`PN#&-V#MX3"L84L#>/#ZFX+N:,7%]
M39K[.H4_KJ]\%,?'9:POT2\$#D_IZV`KU,_FX?ZJ.YN!A@SZ?48K-IBESJ:W
M?>BOM<[.)JV-;#0;S<Z-CHSS1=%NK,/1S"25#1W./C]_VQJ=YCNC1K>7X;8B
M@`6<618C"-TC\7T^8S]M^$G+"<VHQ1J\(P^_2A_OHE6X[;P/?^A\G:Z"A)&+
M$UO^:2XOL^9WA)WJ:5/NHLX%3#>=5R%<1C1!3!WR0W(2HT69&2Y`<J\IAF"R
MC\,8++7/^:>E/F`2DWT>1P])47)N=VN8U<PWT3IC#FY[A&7[J)JT8B`QDS(7
M>RG)RDYV+,)MC`/19"C*L8M-F<7M18FEYN4<V%+GI?^>OT9S%).6QS)F>PQV
MS"]GGW,[G6/WMM0%MA"*3Y-.($>AI<XQA9:ZP!1:LA(>12O!:JV32G+RB:=Y
MO7Y!E25A8[U@N^-%,I.Q4](U[EI-;B@RCF1FAH&;(I3H9+WEM(7"%Y:58N2T
M'LOQG;61'ZUU@GFST$GN$5N8349Q?%@E'XW8.C*\<WT)"_99N$EF\$MG__KN
M>0VKR`GL+10NE7^NX=,/F^!Y,,S#N5=\M.&";1I'"X;BX39?N]Z'Y>W9N]GM
MN[Q?A(PYM@P*HM'9[/;<0J/O;J:WYI'>3O-2K&=P^,,9_!A&^OF$_1AN=`;_
MNS7&Z5XK<W$V0>>AO4X6L;VF_NOSZ71Z,3B[N+B8CD>#\3@G^7[OT5&R")]"
MMOUDC"81P0003$<7T[,A`.F/+_*N6D4P`@#GD\G%9#`=CN'_^6S8/@+3G,)V
MFV.K(@2.K(H0.+)J7G4:C%78^75L583`D541`D=6S:==!JUZ[MRJ"($CJR($
MCJR:STH,6A5.5#B.583`D541`D=6-59\[FN5J7.K(@2.K(H0G&S5?"($\[G[
M=+.`S93RW-/@'.92Q7O7EW&XS&`Q8!,]/+)_LW0-_[U/LPP.5%U?+J+@(4V"
M&%[VRBO*?X]<"4?.X'3953=[C.8?H;-B;>A0D1:ML2YL]7!0AS&KNL?GX_[Y
M>#(\*R8VQ>A.[GH5+J+=2AS=H>]:^P&-<@-''":'3O8SWVI7O<>LL#>?Y!6Y
MJ7-+2UX`/E&ZA.05)L98G3"1'2.Z0FZ,Z`+),:(K9,<(SEX77"63BW0'IQU?
M&G@VN^CWBXU\V7Z.-XB`UWA,/0ATC<AGXR4UC#9>HSI6T!<A-FZ&["=?;*@9
M:<,5XC@;+J@99<,5LF/D_::T+M<X)Z@U2%[PS7W\-!@OM&\O2]56=J\&3>,U
M[4$";D_,;!X-!KD&2K:B2?3H!:J*"^UV(]LZ\BME(VKT45YRDKGWE1,48O,P
MCC^PTNB;Y:$:@X7`Z\NG)3HN#F?XV7EJ=AJ=O83%[/W+HO(J?H'14Q<-R8LZ
MP7H=/[_?K>[#S2P_V)]WD;\[@WZJWV[RDK'Z/3^9LPKSI<QNT<Q7FS0+YUE^
MXT%^)HC",R+P#/8-R>`YI?\QT3_P),W'*?W#4EFM$8$7I_V#<TGW;](?V"T6
M>Z<&$V"G/H;')`)8$"D1@!%<(&"WA.PY`/=T@0`FFB4"<-`*`<`YXA6GQ,$`
MJ1GX0-4E]&^K2]"8<I1<EQ9'2<DO]']DE#-.?D^B&>DM.'I%,_QR!,!)75(2
MZTIBD-DATBH*X)<C%,P@ZYI)>0-*\YT1@D07,%2,@`P<8\2<5R+-A3XK`,<9
MN3%8AR"G8%+D&@+`<0(!&6+@*/_""N1!E@>.,C#V!D<I&$/@<G"+,8$MP65(
M1Q@`CY.H0`[)98P6:4`07"DD\H:A*XG$&%QI9&6*H2N)1!!<*22VA"N)Q!A<
M:20RA2N)1!"`$2<*B2WA2B(Q!E<:69EBY$HB$017"HDL,;(LD3V\;%HLHJ+U
MT]%@JK6`VGE:-JZD#JA9$QB^O+R8/A531S!&/IE"<VGV%(Z`W=;(%D\[C^DF
M^A%FF>QI''-X(]QTV=-;LFB.W_EA$ZSOPB>8BQ9;@$]+>K$7D)0+'"^]D4=(
M8JKZA\7U;D>E<^/\G(#E="(:1Y[/ZAM7YE]X!K^ZW>@AC2#8ZHYK#(SK/0;C
M+F`H1%CDNJ8)LJ1S#-A4#,]^T1G>YHH(7BMFP!P3'P4U^VZWS:+ELZ)^0`[W
M"Q&;]?B%2!J0#8$_O7,<SNP\AJ*#V'19=3@4'6PYD8^@F_VZI5(,J0,:HK5^
MP%"%M(B(C^F6\)&$`2]N"*-V*N"VSQ>(O"),<#`RVG'`Y<>9U"(.[LNS)X`F
M\5CQ<!V`E$<))N,=RIH!*3P_"\(T))1R>)>*@(I\,B!%?/53#=[MM(1?-BPP
M;-(-!:'U"C;E#4(TRZ`V&N,RY+I'"0B6^WG7D'0!6##BL[\!'U6/?`:U;CK$
M=D5Y>%I!XQT@V2C&)J3"0>3(@`EU`+;J8T8!"K%J@$%UGZ/3BT-\6.I(#Q3P
MR2BR5B3+FAW#)OW2/]B`J%FR86R\)CKQ5@:U5K*!;AZ>EJ$UPH>TLX#(+\($
M>[9%&!G/`J+V",.!*X_OIZ$W`JW.86.](=D69-*`-\CJ.`9(QK<O`&VND&HM
MZC/V:C5:8$Q+<C2,2"(2IJ)M(:*K+@&2;W[O$J"43@NS-^>"AV&3>N(?;!8V
MY52>U&DAO?CFK[X`M+G5J5&WD@85_-"`00WB$Y((#T]JQ4T=#IE!A"J_M0Q"
M"HD`B6?(*D`II1,`.A=HK'0VX]1H/25$@I3OEZ?.&L\9(4Y([Q=J`2WGTH'$
MSAS65ID"*[SW2W&D46*2>'Q9*(7'N-HC3,N"X#RU%A3WM7@3:OF8NN23%C7A
M81IP*+I,P-%Q>)MX-.BA],!*_&G@H^BR@L^D/:T`U""0-#`PRR_]&I`+'0))
M@$*]8P"@!H&D!]K`IT-@JP`U"&S5P$8);,@16AE5*^>3%'J#D'1"&S)CT`D;
M")2J>PW"&=@0%9/X/#$GM0SCR)PV)PDFK==`CY:@:>`CQ>+GB$\G8Y'YP,:J
MK8:!6\5GE$`;^J8!$`)!<I*O%;,Z10@%28A9J9RI@\#JTH*&D4@\5N9^&@#)
MVUP$F_%3*RD+JLL"Y4$B7:TY-7W6UH802#L]OF.6A@@JR\_@K6T(2`-G)B[W
M/J&4E=0PWONTC*\3'21`@5@W`$?4;?16EGHU&"0!FM`7DWA$A7%D4>K4D16+
MJBNT58-JP*'H<N5?-O%HT$/J@PT!T\!'T>5-.)($-CB85HHR2:`-?#J"2UK8
M!D`-`DD#>S)1;A6?CH%)@-[4QV3.$E7&J_J8Q-T0.E*3,Z.FMI%--``.T;.S
M@*/[_%$1[%E45HHGK2D/A="52:E#66)H&*B'U>69MJ@G+C<F5ZIMR)]!`DTX
MG#H<DBX3<#04PRH>=7K:=7=U?"1=5N1"PYXT@7Z4<S2!-O!I$-@N0'4/!)VH
M7S*$_5Y^J;.E&=B81&0C0ZD3UFY$:'@<#=!&!I4NVK@%=JIJ$V7/JPD$2:VC
M;$OB$7DT4&UJ^"(5RP)?Y!1+Y?0_>P)ZK9@)W?%LD)WC)Y1IW1'Q__B01DR*
M*)^=*%GD7[[6_$!@TGO=F8M:7'.'B)I/FD`D6@^^JZ]W[!G.[#GBGD6838*T
M8AZ>\NT;1U`+UUK-RH/VU+V*WF^W4;$8Q.<F"&FZ/*F0R5U^&W,R#7-21UD]
M.0I,/W+!QE%EV:J.:4AYSD2>0&OENRQLEK!*V#;+0W4WI%*I6+M+S[Q5BF6R
M>UL3?X7*D-RHL;+OH&XZ^";D^H1J(B%(SZB1:].K3#8RJ#1"I!D*"'W2#`78
M_)Q2.F;Q=$I6U!"OY"1*#!6?>%6`W2*O4A%EHX@Q&U$"PI^&Y7VI;LC%2:]Y
M'5%K%U8F>=(.BT**SNH-:5-+2\TBM)%&9=5>AD(;#&K@HV7=DZDI&=LV#*Q>
M6)+\-=A7:@7;(!SV5<C\[J"!+*V.;T2N-/AASC&%SXTY2;H\@R/.@)UXUQB<
MO'[9U!/O:A6?;#9@H/8++J2_^3TW48!MP"]E>848+7DE'=-$'&O@(0ESA(?D
MQXJPF"3,?X!^)'[:PC]'?+(>*"7-`H$^+1Z02F.E()7E54::_9F%4S6I-P@9
MG;6/91?*+JV%`0VK4HB$_.8=(*F)H08C="#Z,=&G\0E.9*"&,SAS%5R*AR=E
M3X-PK.BJ.KXQM>/LAJXQ>8^>#>_7",]V`7IF3UF^4#DD[U\RU9!4D,JB9+EG
M/Y\F4?HR;:`!"E4E+VM:>=.@VUF1.5D+R_BA"%#&$;5HE86-').]M%BQF31T
M0\+08LSH5E,#0"EMT2",.M%B15HD\>59K-0^J-LD?<Q:9$C"1H%!"Z*-0L$D
MO@8WU(H327S8[.2&6(M+R)*P9<S>P*JMX*:J9S&K.$G+Y$/S7(H/,B=YX+K!
MG#:#Q!4\C>K`=_,.J),S#>:5BE:M6TB8<6OK*?VSN2I'@ZT2HJZF]$,_;:SE
M:!5SK59/9A$V.+F6AFF(Q$B^OC.0HXP"]&-N2Q-H`Y\.@620_!+&=^%3!D]5
MZC;>?TE6<G[,)V@G]$5F2"?T'J"-*#&9C#WQ0-+`-F10@[]6MU_5\=$G*WP)
MD%8)U,ES)$#X@]>'9FW@,TJ@#1=4#Y%V]Y:UJGW2!6V(M`["7V2FHW/C'P3`
M83.0;1O5+A+X$L8D0!M.J![&8^I>D`:5<;#L`\<-^,0A/2MO7/9A1BJ/:U-3
M<($0F1T6*9IDLP-&215X?J&DN!1/V<F0*6UO'5&1(==#V$@+Z15"P2D,+!ZI
M2PT]+;8QJ=/)QS1"&V*MA9!*)PTF-JI#V.<H/)X\189!K2T/]),)%A?U(+`,
M2#:58!-*IQ(#JJ&#CTPB-H)2W:*D:`#'?+W"\R<5DNIPQOX]>(V:AYD@2$=$
MV]V*U4'8[L10W<DFE(R9,*DD'%RP41[F=\$V(97-1D&D(;TD0!-F-HG'RA$9
M'8!47+@LAU"@T+H"'^*3E?,)&:-R/R<GY48\_\;G6*LS1AF`K@*%]$,;-9-.
MH&@6G9:*I@D%QXJP2"8X[%]4@G/E7Q1?KO#8Y,>@N:RXD\GP\P8@95"7B50F
M(*T<)C9J86"6S_0&4J9&B%`*XC^!#1JG57/H3!+II&5C^F`6(5C?N!/ZCU`C
M3$@=M.&%1G7&>X`VHD3#PI00-O!GJQ(F'4Z8(3K)&^1=*%8J%QU)H1]<[X?#
MT0PV>)Q68E,/"!J?'Y4+L%2_I:1_6PK>4M+08-+C&@QJ4D+82FNY7$,Q),"I
M7V,B8=4=X^C-PSC^9KF]OF0O/F3/<;CMS--=`B?)X0'UZ.U.$JS"J^ZP_]O.
MJ\[G<Q;:AX!DWU9SOXOB+$K8%_NR+_B9[[99NKHIWMR?2C]T4=/6H:)ANPNX
M+?!:U;8.4LMN_,1MP3U:JFT=@H;M4Z&VV-/[5=LZ>/@(7N&V8#=5M:W#!NR(
MYYZM]<FT-:ZS(_NF,82+#5FUK<J.P!QN"X:LVE9E1S`<;@N&K-I694=`B-IB
M2[JJ;55V!"O@ML#=5-LZV)%]925JB^T=R+1U5FM'WE?9R1;5MBH[\K[*GK^M
MVE9E1]Y7V9!5VZKL"*TBOMA3<E7;JNS(Z\184B<P]Y4=>>[9+%,&UTM%Y3U^
M*.GQ12N5[>`5XF@DZ>M%*Y75>"\?27IYT4IE+]Z_V7=BR/-260K:0R-BCT:0
M;^5@(_:8>]R*)+LWP:*<=_,.P_*,#(S;()[OXB"+TJ1LB&W!("CLVR>E6GH,
MYQ\[MY"S#PWQ\<#2J$Q#[Y[6<9`$6;IY[K`;R`[-\4:?2#;WIS0]<,2W,(1?
M90#].0P64?+0`5Z*)0[>AP>*S1QB@:=G(&FQ$@U<7:#A_8_=Y*PR*+BZ:(87
M558_R33S1;+>'2S$:RE+W3)-?!DE'\,%[SD\PVP"(=/2^W"7;8*#__$A-90D
MYGVZ655M\!+19W<ROJP9WZ=96)+(O@T8Q0ZKH66`_W67(1K95:B1H:0NW459
M7`'AFF"P9'#<I5DU=.:0&(9D&W\/-@F+%BYT7_@H,:*\]"\J_NO+Q=/R4/?G
MO&?!?1SR\P$@:A$N@UV<W1W^>-6M7O\E7$2[%3C3_E-?1=^G6=[$5;=Z_67T
M\)A!%(-M06Z^W&;YOYW=)KKJ_N?=S?GT[;O9\-5%_^;BU7@43EY-)S=O7TW&
MMS=OW\ZF_6'_]K]@_E6<;-\\#<97W<<L6[_I];;SQW`5;%^OHODFW:;+[/4\
M7?72Y3*:A[WM>@.BLGT,PVP5]X;]_K0W[:V"*('Y#33R9AO#IS;[P>[!?ZC>
MN^JB7PKX^3VV`!^^Z;0<1&_+)D\?6"?7_Q,```#__P,`4$L#!!0`!@`(````
M(0!84Y)F9VP``/^L`0`4````>&PO<VAA<F5D4W1R:6YG<RYX;6SLG>MN'$>6
MY[\OL.^0T*K'%):B24G6I<?F@*8DCWIT:Y+NV<%@/R2KDF39Q:KJRBK)[$_]
M#HO]L,`NX&?QH_23[.]_XI*1D5G%HB6Y-8L=&#UB5F9<3IS+_UPBXNM_^NER
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M>C$O!XO_GC?[1?[`3^*H.A_I$Z;VNKRL\K>^.'CU[.C%X<'KXME_>WOT[/BX
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M8%`Q"EX:NO&LZGMZ>3EEVHOIX,?MXOBBG%=U\6:Y,'W"4/+/#J>3>CH>#:UA
M#;,2T]3%]`R&'DPOJV+K^^.GQ>T[^8<O)L6KT7B,)JBWB^JG035;N.X*VBJW
M42SCJJ:=Q44U?S^JJZ*>58/1V:BK&^YOK#DZ//-Z.KD[FBPJ)KDHYM6[:K+L
MKN=3N%GZ+;R0S^1UM2@&Y7Q8G%7=CT_FY;MJC,Z\O!S54MBUZ<.^5]]HJIN_
MF0_C9+I`YB:;S.A%F/+(EBAO*?X,(XRGY:3#NO$%J?;AZ-UHB+)@K2;%:/(.
M4IK>J*O!<CY:C+HT>0I?UR.8Y/UH<5&<EI,?'5%LK?/!N&G%1;IFQ-5/&+(>
MS>1[S!M_.9V<WV7Y+XMA=>HLU2:#6-&+&.&:@;K9!$XK)GR!I,2/5C3\=CY]
M-W+,@_UD3>JZ2]5#9!5!%R?FTSP4=[ZJ+D_AK]X%=<.:;=+-9C,HRC/(6FS4
MXC.W9ATN>U7.?ZRD_K;5SN5T@?1L(X3OF8UCF'1>=35_-QITR7)<CLLY3&AB
M5UW.QM.KJBI.JTEU!@OFE#(9W-:ZY+^X>?L%ZGSW=EXMRI]82*F\_%.O"/5"
M)$C^CN.=OJ^?E?,)1*@+[&%QZ-6S]/)V\6U9CP9K$(SO^`SJH5>`8).EK`E@
M#T/@=-%B,1^=+A?EZ;@J%E/3/HAQK?8OIN-AC]U:,YZGH_%2!F8UICH`MI;B
M4C</ZP?%T=B70@P.;G!39J"M5W^?D\THD#_TP\@?'Y;U1:*MAM4`SF"T>2>=
M[ZXW<6]I"/`*MX)[[FQD\C:W;]>;V-7TCHM5CL?3@1EI5GE6`BL&HQE,`#O8
M(A2EB=4-Y@XKSF`2U.WH776-L5\SA=YF5D\H&LFD[RTIQ#M>^#HL(LE:3O!E
MQJ._L-J-62KLNXHOS\N14(C7QLAI3H;GTWDU.I\46#06>G!5"/[78Q.BHAS^
ML'0V;VT;V3ADIQ!!4TMF<PJ,X@(U,IH;A`HJZOK!74N2?#9MDO?KK)NNV-9F
M(N#&VAZ`UU(O6<3BI/IIL<2W6*-",CHFZVG+&%=UN_B@A>SY..OYIBO8TV*+
MRM]BJ2:#"A2,RUVO4B)/JP&>\)XYN_<[*RL5)U`VT#^J/R]'[\JQ\/CZ%X?+
MJC`C85@L?S>@O;NGZ&4IC&'`;Z.)P^<>PVW!2N/ET'1*!'_%;#D?7)0UHK?$
MPYUCP&O&5)3G\\KY"AW7X/@"M\?!LHWPI#/--N5-YHXK)#A?,Y)!!8$P??F4
M4V#1O,6:N!F")L[G8M?TM_)=.1H'.UI7BP63G)Z.1^?>U(+S2EGAQEUZ!SGM
M@P;_69CDSG9AO@^4`M1T(8T3HJ3O:]Y_V8?ATRD:)MSNS,X>%[_UO/Q@UE+@
MQ29NQEL4*8ZC1W[(PDQ^B:=5.2`ZM42#PY?P,\0<>6V.])27\KO_8@]RUG#$
M+T'@DM'(#_(@YZ.!FC-&9+4W66N`:8?]'3N['O+>7\(PHW&O5W6($0)\SJ-X
MYM\Z5Q1$5QQ>H!H\8:;F=4*`63D""\VGP^6@JR^BS,S*JSZ!243V=#J?3]^C
M!#I*)_.V&N*9\X5[O(1ZIU>_FG!N:<:K2>0HN^:%XP3W?E$\@V<6G8`*QDL1
M$@==<QH?#(<LSG2")RYZ$ER`'68C///\S2,<AI$"2P'LYB]`\LBA;I$&+<0%
MZUEXQ<!/_G%FJG(CN0[K9)]N;.6<5[JN9<_8U\Q+[>33<5\:R;U7\H59M^[J
M=);8S.$F7ZZUQ9NAFU2GMM2S68M\4NG;7NGUOI=JG+R-MDCEOQ[?P`KGWZ:C
M:\WE!E9IU:MIVW[FJU[U,BT+)M^_WR"FHG(C97[4UMH=&J2B3A2"<#9X:MF%
M"^WWRN4"!"-OXYH&G<J[YJ7$.<[?S$2U*^4]D#/[YL;BW=/DGP*."4A1Z9YJ
M/ILK;/OO+N[4R:ZTQ*T=.#9'_?EX^GXE"$[>,-SZQD4TP*8'@P7QR+ZHXT'C
MIBG2`4]/)P,B\^;V>67*\XE%<T'/%JH9.HOD(R:T3Z+(M]]Q-`EK;@XCGE9G
M%;[D4$Y*:HGS);9`_-U3P\_2_WB-O;#D\**<G-.0('DDAD<I`L6)T8LJNCH[
MJ[#UBD"6`VP=,5D7%+*H;FU!6CWHS-0)9:(5\E'G<"'Q<I.!Y%^)-0T\74?Z
M_,.<'1P\E!^RFAV("X+/%7L-$>N.U7E%TH4(]I6-GK4B>B@"7?/56^_O7/.:
M)BL$1&"BKA2\((.316F_7$/AM!?8KA?HBI69H=RMSMP.D@7_<CAJ%CMRAZV$
M\053SRFNT8?!%UN$TIIIH*13)-SWI36]E$O(M-T":+$:V<H_RA?X^6B"J[Q^
M@5M#%`Z[#A_;BK2F4C>.Z&I4J\2@^>V0FGQ[DD_(9_$6[UE1-V'#*Y\F4X9E
MW3=IZ^1D<3'*24'$'"K7K=!H9X7)'B:<>+-OG\:<CE!L/@\1JK6$9W$Y5B_A
M,U,VXD>2?::L"F4C"_=O2QXYCML@>M%:VC;W;=R&L51?N*`H%\3>SD<3A:`U
M7M0IF?*<"&N_)QVVYLLT!K#:\FT(.3=J;'4\-:C!?AV23_IX>7FIC#94.28>
M2CH6=EPHN:R(BNCUEF3PH"_G1Q(59+^<5Q;C*[XE'/WCFBB?`OMFF=X*])%'
ME^;-A[.W8RF0:]\[N:B4.9F5DXXWUY$+_UZQA5\</D(]$T4HSL?34X0W9)HD
M?FJR6%S`,MYF(91>S_CT9DGB'5%5U-W[UMNHO'IT?H'E%?\II42"BL@?;ZFE
M:H*47V"Q,4SVQNER-,8Q7M;XBS15+ZW)G2*9UM_^^K]J.HCZQ7=EG\?QDJ20
MN"E+:(R/7A\Q<*>+D&C,3QBCO4"0F]SUW7GEPB2QG2FB;-!%^:))394/,06U
M&(:H<<_A"-`-1'P_G8^'.X53`,H5_&$YOBI<!//!=OQ(,?7>[C3LV.4%[9Y?
M6+M*=:O_6'[PPY1`&H51$\PVV;'.TG[GUN_;0$@7$"FVOOOVI/C#G^[L%"AH
MLD\L57N$FD28FA]E`%ET7[R'&!"N>C>:+FMF]AX7E?]']4C%M)-%*@AL3TEP
MP2%0""!Q3A92F3C9OC&(><*_H4\]17'KC;/"9XKU<N0_P"#LB$6#,*6Q`S%?
MM3>&/VP=+J<$B1A3L#):&RH./(P,Z]@:FS&0`I+,H<T%X75UQ]#@1"<'3!%*
M#1GP')@?N%Z!T>4,7PU6]+'@R"/;17U)'BK2LN*U2X(DM25FG#2%3"VI.4L3
MSBF!,=FO;;CTU&+1[N`6GD/"7&1?)M6X-:(A.9;!HJ"<;;P=Z3:;H;E<5TH=
MT+W%!MVKHN#B8C0?WIV1.[MRF$JY2JV3?O1-HJQF\`3+,(0N"R#UY'RGK;;F
M*HX35Z`9G`+1^A^FC.SA#;HF,0^`D:740`53E(:<(.P/RPD."=QAI11B5&^+
M^;9NJG%8C*FCI/-GYO(^I'+$1OK*:SWC@H/)A!1,X:J/Q'EDORX+BLG^Q9*S
M>OV*H!5Z"N_(S8TYZ;^W_$_]%_G(E"7>N_7E_M>#Z5@219$A=8A[>C)_3B+:
MO7(RNH1ZKZOWQ='TLISHU[/R<@1CN1;TX$MKU,H6?U_/R@'-(&I:]NK6?K&Z
M=^OK8_6^3]+%54^$Q(LS#RU*W?'K#`V2LL83J&7A_9&EX!MEU:S3J"F*=,N!
M=!..)01=D#>AHD=XI$+<2:W`DCOD6FW-IK/1Q+LC4(^LN@MO2\):*<GW%S(G
MDD+*%J54)JKR'-.'TIFF?!+7>,)4ZUI&7IGXLC@K1_.&E?2Y&"!,R6$C:SRJ
MX=Z9;3,75)M-Y+(<5COP5[T<.^\S*4AP$X=+U7N[%QD5O'7($<8H5AE-AB:V
M-&[ZTC6JKS5.;`$";/R:B:&307@)@3:IU^<B4L\\6I*DEVC^4HZA29WDV*,?
M;X'QM[QNER$0`IA)EWA9^WZB972B;4K>&RH,T<'!VSNL"[XX/(Y^"JLJ37M9
M_LA\ZL6("EVO=/#OE\XG]="A="!;,X^$))G!Z*PC%P\@`]*$R!54L[(WTV*^
MO&7;_E`K>(8>MED#3%W6"JIB<2P#(MV7-!>4=$*39LAHG;'TKAH^Y7'QPW)X
M;K5BD+Z9K"`![0^4"&9T;D$A,<IO.!+TZ*SD(:J68#HO4])!E9U@J0MET#!K
M`C-X1@W$:#.CR.M75?_4^%RF'W1DX%_F/:+0,,=N;T,R*.)/:[UD2MCT$9,8
M@1.9-ZI43:>ZMI&5$&VQ*&>/8#`'\VW.%!?K4.`(J9TL8#;YBS#70<.3F!`J
MP2F9<LHR5ERK$KRK4OL^++Z?49-9%:^G.U9_?7?WR3;BZ]B&GJ=X`F:$MD[0
M28/BX>[#.[^/+UB`[A#&49&U!\6'#49&P[DPJ,CSJKPJ[CUVA=P[O_QLX.E\
M276I3!4<0^II1$6ZN%U`P."NA(U%*['?#I%@MY%.H)!><@ON^'G$4_/H`LNS
M@F'L8!.K+[W2*_9A0T$IDX%GL0%%&E+/8P@")%`<T>C@1,:)KE.I,1&4RE!Y
M2CC7V@?K&4IU`P1QN-%)GK#IKC<TC.DTZ\'AC-!SP@N__'S"1".9ZB4\2VQ%
M"H3!!HT=&+IG[LS!-(Z%)-Q$WE.:*ZCA0H0&VDM0`5;!X?9'K(YZ];PL_\AW
MP")4"I(C@)Z2GON!3VA%OY@I/A2U+RM"YN8S\_;8+)E)\#8JEI&80,$?*AK=
M7&1$RX9.3(R\'>M/?Y@6"I6!E)E,[!/XD+[2TN3RLA_]!B9]2L3#6/YI5)!K
MG-E[.\6:AOL%\<T$+P0F#IL>X)"$W@.0X]@`:NEJD11XD7Z9-F*"\;[.17*>
MSS;*CUHN`ZO6B\P;-%KC+]U)'2!X-!D;EAZ<0?YC`!*Y@K>$9)`5V4IO`7W#
MT)%N2+R#<WWU)C;P\/@.+K;9!<>+!+RH"I)W1!VUZEJ:D*VIXLB$0DNJP[2T
M:EE\M2OM+;UHOMB\OAC-'*20[0E#^5:^GS?D=.3M*_A#N,>R/4Z"<,P-CNA;
M)HRZF4]_,EO,)&\_V=W%E;%R=EC6`!?<[JT@DY<*872:BB65`\,W4TE%K;WN
M8N-(18;MHN_>_B941<<VX*5=3(2TOA`5?>!-H]&*&35ETZT&U&/)="ZXD)@T
MYNV,8F`7IJ&*.J<#W11HT3R_0OE9IY^)2K,4T@)K5\)KDG8SYHATAP?-56P>
M];\%HYP_'.8$4\T(RE@#0V\*G*AZ-EVUQ-(MUPTTUQ?]HGO`0K-B`BY!^V+\
M2-R8C+8%F7ASNFQ:%5%Y0H@U05C>4*E^$:'F-Y6ZJ>W;#^\]#(Q7;-U^L/LD
M_N4JL$DO44[D./*]R8<71W$C@U2UAU<<3C%Z"!A=O3^C]1$^Y^VU55(2,-&X
MTZG0I)LG4:6YV51OB!DS\[/52>:7($@73A&*BO#)<U^ZLETC(+B0:?/^U3GQ
M)$;JG=\!.[G*-$WB;W_]WQO&C?[VU_]3G+*L0Q+#R[ER`!AV<(CT,:DBBM<!
MQF@?!0-"K1N8Q1@8-UYAPV@_,VLJ16:Q(G07?KJ70*_I'=2J@\)LVC9SYV&*
M6\LD$QA&X`&8^@[2G([>,4HRLN@)N+?#!`!K3(M5DBTU+R@`I&9@J"V+9WI)
M@&&]RO`Q%)C:E]]),1)[=*5%6.436B5N"!4F\GN@08*BV]Q0#)?FPFK(`>($
ME@T:JJ6]C/7<D,RE27Q/KQ7#9Y&RC"CCK'T/DVM0;IB$S>%E7ZF=/00]RVTC
MYCAD-Q;3=6J\^;X&(P1G:PV6N+\3P/UFG4/+8""=4FT"P%2&#J6>^R/`S;*)
MMB%4"<9`A--49;Z,Z6]-<0?@6K'-\=6.PDF8%/0U*VLVI^L6><.9%E@:>:T]
M^Y?&%!>J@>HSGWZ0%X6G*($4W8L'\BYFQ$CJXM$]A/Q_%(\>!MW<BN)T/*NX
MTLT\);P>H5C@E62(''S;7A/@F@VR&S:2L@<=(=+3LTY:?2MLB.N4!/[R\R\_
MMUF0*--B__N=XQVW%@$_N9<4B_/A.$4A#RA"G;B8FG,.!O/1;*'H6@S6[>HO
M%RZ;GY]^<^OY<[?I5(]_7<1N?ZOTTV@'Q&ZWY['8?R$=Y]`T`,^XISV;X+':
ME%=#Q\]IZJ<]4T^'3P*3K,B/O_S\#^7E[!^+5\!4PM1L@/1:_7.:RV#57%)!
M;X3#NTWBO[\_"PY[QK[8?TF`4_$)F2H"YJ@C5[N8<^:*"5J%1/M=6UNGT!-*
M)"]^'N2H>LGQPC(U:,;;#W?N%V2.M"G7]-?M1\D#U+Z5)ZY6_A^M`+[8^M.+
M9W=NJ%LM<-:8F?8"2<TH'V6SQ`)X7\W-\O']!D/'K1"X?\JGU22(SCQ^?EJ-
M%V5Q@%_X4K\46_;@3O">K>T'6=L/[SUN.C/`L:FM6#^??FP;)YEPH>)DH%'%
MRH/!;$,H@P69%@[[G$P$Y#&<85BG/4`H]I@YQ'OW=[YJ\Q)/'L<G:S"$ZAWQ
M\0P>FX$#!O+ZQR';?D=(6^29`7HLN.UCY@G!MD8LM$?7BEI(7Q.,0GE(8C#H
M"O,IT@Z5FX#ZUHC/O,WR2C\J>6(=KXEU**%(&MCOH5&#%IM2FM_RNO/I%<EA
M5X1VAK\Q(+R"UF*O.4@PEIN/K[9M,!RL<!^LHS\%D:A7L-BI>1,C)P(@[678
MDL,(BE;:G-$'0$O[76J5`'-/)>8L5Y2U$=6T4271I7I\^\&#AO=!O+<?[35_
M?[Q%->7K,/;-6$4Q_QR-)8HZ@J./FDOL%USO8-![DCN\#NL$8+383RV5Q]PL
M35L%&IG<@N:O))/^.^+%/M"4Z.U,P=Q[O'/_EY];UNK^WLZ]5,-TS97W'VYL
MJ#!'']<:)>O0JX#<0-'3C:J1BUR2B64K*H$[:G7T#IM&O6X.PNJG>!,QW4O$
M4F**!HGV\>.):9M+7\I1-O.;\NY1HWR*`TKP.L>-?&<5,\25"0VW@(CW&"T1
M(:D>6MQD5A*ME4D?D0?T=4[$92=$EYR>0X?Y".K]70X>N6)(=G"!Z4XA(=SC
MF/W5R20DKD_0JYA#\G#ZU6V=]RK1!29+C5P*,)V:7Q?HFVC8&S)5QV.\OWOW
MJR=M,5_L/]R]^[CS\,GN?\W?>\IT\V=O(5C[F:F-YKB>ST%57*="-4:5HHP^
MM8>;^>MTF6CO0\-0&34Y%JN[?<3V++6IOJ+@)64HDZ#?YY&I?MIT`P6;?9>A
M0FF=X*)NUD`ZX$2X\V%#N0T"`5K7O[]/F80UPF@B4OCX893^]>R#"_UOKL80
M^0+N;P4#''"%K8H`I>/-SX'\_9-LR!%6Y.\J^OV#_#;6E!,)/QO-L4PA4"WU
MBD'#^`A*^[11?46<\)*\"YX&U6>X)?BBPPJ3Q-Y=G4&!-2IE[SBG+-FD;9%T
MY\8HRJBZ49(.*FY0_!6'0,6C\C)DXGSQ%"\ZFZ430CA$C"),XHI*I,UM?[KU
MI&_26AK5;9@EC1O$76B7//*/236/G`UJ6^1(JT>?Q+'*ME:>>+E@7[,27$^\
M(3;;;?@.8QH&O$XA;;UHIXYKJ%43ZCRET=,*<\UT"YB\$\WO7R^<^S:IC0!6
M#@0H8BXB(0BL=[PY:0R$`.?\HLKQ($TT8DU]MH/&*5DVG\^HW:K\B[31$%;1
MUP$3[_`)B)"QEK<6LB+T_OB)PSA&6L$B;28Y5>9N#F_`!`Z_N"HK*P\])5"I
MVD,MG=^^"X+17P`*#@Z\XE@B82RL6O`UF=%SAIEJ_A3QL`:D^-75:J>>A31H
MV+S8B:3WBP(T'?RHY2ZUN0CF-TAGTPV<)#2W)+%0-BO8O`1-<*I;8^\'EOV+
MWH#,UO+E4#-\#`%$R812%HI)1VIR[W'G"V39^_N4S[1J+N!LTH((K_8$$8UP
M.5WD?D""%V5@>H#/7:+$B[&/`H6'IV2BK4`J#"\EFQ->,K93G9,`;9-!)X`V
M\(#!<%^*Y_BJKU'C6*5'?;1%W$J5\WL&>CI%5\$C72XS*73ZS:6/@G[IB/7^
M(:E3-CC\D3I"=_BH58I.V:R@1M(9--Y(`E(R1+9_PEIEN%^E\BYBI(7\L>+L
M`M<GFMWZ]`I6?3J.IV-UKM<IC:#PB>H+#CVU6NI6C*N#]0D?%?_*=L3J[INS
ML^*(5<@'B`O3B^E=G5PYWLX_>.M%M_,\?)'_8.J7`HKMPA(7^<],L2Q^AV#G
M/[PA()4_B_FA`#<6^\][#E#L+%.',%UPFW?UN_8#PS5K+(E[^\9PY\DGR*$%
M2,9@4M="0-R?YY<P;(<R6R%WTY!87/2RYX0%^&E$\4+'(41N^WBJ?YF-G[YU
M;G.;Y#C_EG?.G^J0U.Z!><F<\@\DA`%#>-D3TRD0^=Z$@YU";F-AM`&`%K_M
MTJ5Y+#S*WMN=:L=.'O7;5##&Q`RP92"H+R6F,.,=)9`QD"%02'37BAT0ZR4&
MW(XJ(=BK-+:5Y3?Z&6U:+M%M$O0P7FL%6ZMZDZ"F=>Y>7\_"*KY22<$$%2=)
MT\0HJ]<S;D8*AO10P,5[]7DD@>HNN].4NK8(L:<HFPS:=#>)20&L^SD1D>`"
M/=KYZJ.+03\^2XZ"[AG'X]]H%-16!;9S9B7D"-CCQZDO8RMO5^R'-7!'ZR0;
M(>:Q7ATCZ>JD$\GFUU@?`QNFBM""2:'\RI>H)^.P<MD)02[;;I'V$HQDJD]L
M<?\YJ=ET6\#%6I(D4PM>KX?M@^],;`VC]1EV,W9.1<"US2S"3CGE6+21)>6H
MMDOT__G+9/W6_F9N80A>SD*\,UIB%!ALN,TNJXZ"W(I:P30B^5:@_?KW](;3
MB\T&BD9G-&YX8JN.6G4X7PF)^CJ<1ZX.Y[$<`:G)5AV.H:2@3JD+:8!46CH>
MZX*KR;O1?#J1M/&R0U^PKM+[5%T"O]AIV.RF:10Q6E:J-52L:W`"S7"^4%I+
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MO['GW;/87G%W1M_)\@=*\BCZUF['#&9O2B0-.WY\=V`%#LK+!E/;[J/J(,GV
M%!;[9B%.GA[ES_W&@?SQ5BBE:A9&'$<#'9=A*Y09A5>-7BE+&@=XCN%'_9?G
M:WXSZKF)MFC63^>__?5_9B'SSKR.&JS3G5U`R)_?S%Q@K[WB-K?>V/]GR./2
MPM[),@UJ5<!L#4YWX:)HL01SY8*#!Q2."I`")NAJ&X@CB@X.(E'4O<=I2!I;
M1P@YZ;+9<46@K049DIYH)M'SBD>/*!-2-3YF=&)0/5A6(>,#'Q*+X$J;=U2_
M9EE_[>QS&@N/'6B^X,P%'$EJD'2+`4-8S)>86RN,WT)$P];T()"+?2E:(X>0
MA:7B-0;0D&O8;9^5)3N?E]AK7SD4"Z!287:?S\;LS7?)=#O.715<P<=5$@*@
MHF-A#%9U-QDH7#K005C$H+WJCLN4(ZY^Z70\[,8B"YA8O8Q8T"/,AY+'QX^:
M6@<^N_VDJ=^+$73MH@O$4MNW[\7-7F9M;R=[<.)'$8H'!TE?UB0Y0$WY%+6*
M-["U665@II56I(Z=N61)0S`D($D?V[`1I.M*A1MG8-2AO$W#]SS(J_`R&]H\
MD[HW50$'U;4)N;VY)5:R17%06ZZ`K:UT5@S]2`?KR6=TZ0DO8L9*/J(33%$*
M<#RFAZ4:%,W8]*I#6'(6VH+,\(&PDJ@5?0CS1GAFS*9S#/Q&@Y1X+TVFGKF-
ML`SA103R#$'3/_1A>FV)L#$YF&/A`L3PM=NTH,&>+>=&[73+Q+PZ!SH+TDJI
M]`P6D7.R(`#63E$95F<$/5S(TY37K85^D@;1CL-/29HM:E_@O`')Z;2N1<9!
M<\/#.OM6ZP4"MFUQFA%SU>42,0>&3,752E>G,S$IOT\*IK606BI,3H6K)$+?
M+/I_8A^^<MF"9\W)*XE*5X/K7G@1J/?"J)>OTH&C7OMQ@`$/W&/^U'\Y6-O[
MS>H>UF/=H\@//;-(&<#$LPO14FCSV\TIDC9&38SJZ7B96`@%=D<=@.7??<37
MPL7?;H3K^20EK;&"261"9.2HP5=]/LX)LOPQ_/YN[DKW/JB.(1VCZ2L;(QHO
M,$(+UFB,9D9NHF2<\4N<_HT[#<>K6$!WTE:>O?$;&Y_4GK-78\LA8X'BP3D?
M.S+3CQ*]CLL1T_Y;5QO:UAJ@Y*7MZ>O)9S87%N7?1"W;EZ$](?J5?W#@J)"Y
MT:8"O"_N?TJ4+ZIZ@UU]CSYZ#D2;^F*9&..)&FNQ?Q2VDN?S>\;9#13D=D]O
MY/1;V('H)7S1O05AZS:X+6#SGI]_QU&3`,J>7_Z+L+0SA'Z_4V,D3X*G]%2>
MTE'J*76/.4Y%T-1$/K7TA41[9*_ULV(&:I-3O@-^`;M<4L"`J``1P>V"$!2$
MFV9R`KCC]500QW#^$.'HY<"??W/.SF^N((G'Y>#P17P$GM>UBP&<K(<D[L89
MP4%MSB[7M6MJP0W"=KK?COM`0OXI61$T:>_DPWZMZ+&PP864K*E!PZZ&['TR
M$[R;+D:C,./7]ITUD+V;J-3-7,WG+$2G,RN0@2Y-7H2MZZ'D7$%O.\/$Y,"5
M?(6`13&<,JD).M3.N(QNKTMB&Q%MEW3TQ;5::??)^.5'.@7;6`D7*TZNN3SE
M[#X\A_Z56&G34I@>^&53,.O.<[(%$$2`A73O(UY+&@&7U6O-JUG#=(9IX,.,
MBCG<]?*TYF`5'#I$95B=E=10PA[J!R6RAT_O@#.*H2T_[5HO`D8A-<37"%NS
MFC3CVW6)6D[W2@0Q1$K\[@%W.`('.<TLOO_>G9/*<7N6D=)%H#3OF:-6)=O,
M[\2'-<V`ITF2OGZ<C94WFG""K_EKIF\9Y?Z!NGHN>(JTC^Z3N9+.#!.$#"YK
MYB3,92B\D^E01M*K]S-EVY-U<M"B&8I`1OY1!FA:!/6GJDHL$K\LE\_]@Z"%
MAAOIW#>-V>Y`@+:M;?335K#/,D?17&T73W'@2THY5ALI,^'?SUC3IXXCW1AO
M;,8_?BG#JKWYZZPC$4]BF,>IH/EI54/ODS1$P[`VI2HO*23HGJ857Y$Z=:^T
M..0H0;H',)<9X,V.R/!-FUWK[_R!'3]YS1!7V>UD:C[\9*E&B\;TE&ED;*X0
M\4S"1"U1DY)VA9_`D5#T8\%HZ0(GHU0)^;Y&$]E?/C9V;,>]4SL:-X9)LGMU
M:4CQJ1</"2B_Y.XY7V_Z*B;,;70].?)X4F4H>F$"R?&4X7A'7Q&<FA"OZ-*@
MO6@2RYO\9'^%Q[!QA4''`/:O-W5KX6*-5(&E[-GEMUR[]#=]TNM$^D@G0=70
MKQ8H[3O1L[*BHIKQNB=:,,_KX5R^!6>Q[S7@=O$'=]3?+S]G]Z.;0GNK[+;=
M1?PKU=DG"`+TZS,;;JN>Y=<Z4I]DR'VEG3;D-ZRW3YK?V%9\DI&&*E)&DSA\
MD5W2G?D;F>&&A8QM&XB^!3>#W*1)'7:)%RFEAQQ2E2F]`):/W$\T&#N+5D35
M;#2$0[?SVY(>']!_TZ^_5A#15,1=F2[4+HFAY#PVQGS[_FYTA=(ZIE;Q)A!+
M%S8;NE4C>_$3F_?MO7A:A=OR+_6P7M8[`!PZ-R=E9!03#_;KJ]7E>E:+:6FI
M1H4/5-P3BG`XN&"I'<M"`D:9K4=W@G-ONU3\V<"&.'UZ*3D4CH0H6-<5.C;9
M2!3=1K?RN@X?)AUJ*;;N-P^"RNRHM!!;33`8Y/XDAYE_P!)N^R5,U$7/P#_2
MP4[]O"&)=%E!=WJ%&'?K<4-A_=Z$`6+(X;<A^/X'T':3$7XDRNY[_Z:M9U/+
MGZ*.7Y=<S+3CBMR<QR!IURGH6)%:U1JO20QZ(.QBOQZW6*4PO)+:D$1;75=F
M)EW5.OQB@U%*UIML96=Y-PNM?A([F^PLCG9VM38^\N>O1DI^[E/99*76L$^;
M<_^#TJ4/]"EV[CU".8=-Z"[&NG#U2N&!7@E**A"$!%P=`78T%5[G/$L^4PVB
M$XN6')>/,T8/K_-S$M=6PIH&[RE-Z(1H3AA39-%01Z2!4J3-QAEV8ZI*FS<`
M?@8-\#K'5PN='JV($#>W$'7Q6UD%6G2XOZ)J35$'9Z#XXN>4>)IL[-=D7NEO
ME2/KEU@XGI:*V\Y:%_D*G89#Y=.6XW!:S-KHQ+:"Z1!DA4/IEN@H<>=>]L9-
M1,]NE/9ZI]&%`#Q%;/5NYBZVQ8_<6+JAH"]Y]394&GU.>JE/_LR(Q+2=N$-I
M@L]]U"LP^@?[5G)+?%+%DZ(1H\;=^2`W*]98<H2>$_QK/;Y^]^K^O<PUNO\@
M'EVTL7NU]56&4C^V>X7*37S"G+H^TDVY))NO1^0&-B3M1W7&4M^()-:G=\92
M[P^!:[D*P1G[`-!.:)-6<W\D/^=J*YGV1^BTLW`M9.KT^V\,VIW2;TQ38S1]
M&6++A+4-5R_8N&&E:I88Z,#UM>-K#^=STL>K@'IKP?.YK2'UYS2W/@O90JAN
M7O\O8-/^2$8"QL/1*6[*4BGN7UPY9``Q._R%REKLE%7^WJ#LUNFJ3MVMRZ!&
M!/N)D7,SP]BCB=^'8&;7Y@W1<A:,U/XEW<AC==''NK".<TX".&ORC<U+I-.M
MM$>+]<Q=M=)\MN98_:^T?_]&/7$$?!@.D,EMSK#]%^K:W_*2O&)TD-_C<UY%
MN*I,)2W\%\^D%-UU9;=C`/^VVQC8#+!IF-LG`M"VV@?*FM(?5?Y!)):(-/71
ME/JPBS+<:N-J#10)I_A.^U^&W*;K=HT>*PWHKXK032\<9J(B:]TZ`F9SCH,N
MJE.Y/,_Q'LF2+R^7+K9C"0R;Y[RZ4.T7#IZK.2ZV#MX<ON!"$@6\"?M`-]5Q
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M-HLB)UFECY5"B*<J,8\-@LC>1'Z>4^F%HOVK^]RG`L\;7CR=4E9L3DR;/U8O
ML+-;G]%:]B;>^PF0H-;+U7QZSF5>1%TK;#9[])Z7D\F(/4,EL/4YE:9#^V-0
M`$"^&X6?.EYM?_]$^^(E`S-AR+!;;P6`P83+;+(O;LEN55WO)(O'R^%&P&_+
MR8^R8(=4<)8%9SM^>TC>WPQ^)RO4&:,_YA]P`3A2RKFQ8U:Q%RX'OUS:H11G
M2UCE&LL8SGGV9SNDQ4S-I9XK)IN(EY6^NH/)$V#E0[$B@:C"Q4SG5,@*O'!%
MMHM_-ZY["A-:!:JEJE>IGECJ1)"L=8+DM;LY[`.-MRY/T8B2LMJV?"WVDWK;
M.3'\>6:05@O@KS72G^#,J?WU.X@$/7[YN<_:NDN9$IL8S%1.I<3^Y3^MMC39
MF_VRF.JQ!BVU@9YC9X?TP/9:4B[Y$C#+.8??M&64E`O'T5)5J$M@F_PI^X.Y
M5\1.B8)=$V3+^Z4TD3D.NC7WPT)'A"!")Z)]8:1G4!E!]@]BGX<]2&KK^JK=
MQ?YQ].ORQIN>\U^>[/Z.2\7V=G>SHP:Y95SG+ZV<>]Y.(UVTF/^8-M71@=G+
M_9PA'EBUR/*QRH6["A3[P/K)EJK&_+U.TP\G6]9H]Q+#:FYJ#X9L=)WJ_%=]
M&!)Y=O6S3F<JAW3&>7E)V:.N4,1-/.7D@`N[3C&&SN$WNYA']].CXT_#9;SP
M\+R:GM$:HT;/2?\S+9L,I=LTS^#?E12\XP*RC\79H,8VI)K5]K"4`[L8F0,9
M-B+O&T>PIBRKOVEL7^\B1!V-CSVZ\\O/$DEO49I=(O@M*O_%UQ<Y9#`X5;AB
MOGJ[M[]M6E-S'(6*>R=]S,64/VI3D:GQ"37VG>!$>BR%K_+=H"?6"K9PKCJD
ML$T%&E9FB[1V,G4,*Y^F;A_5+>%Q0+)HX>RH&.BPKR,WA".J7(Z6U?;%Q;W$
MH)),+JX+'[A=$('$28"!O3N6/+@K"MWMTWOIO9.A+LWC'IW?D;'+_O&23+(=
MYHLR>-%<?IB_]YUIX"S@XN>CH)#AG]Z)A7P7\X>_G`GP-Q$Y8=5"W'#'CLE`
MY[0+M%PHW<M/HKAN^((TO]'H[]M%LMN47&8G?.SMQB,^\N&?V-8VOZD5'O%A
MKRQ1?D,BBM.U[2G'E_T:FG!<Y'?."_/QSC5T<V=R2*%U8X[JVO@X46R(GC%1
M3\654WGB%IU[Q15Y.7?*I.874=J-%G&G57'%[K+\LZ?`!W>MRI[]7IPNW3FJ
M,.I7]J03W6@^\2^DW^SM7O?1JC=88$H_I&(0D[`!2_K"[G@QM=(?#1$EA2Q6
M^/^7Y95MX1NP)76@HV\,YB-Q()54@R4K>IH<$.NMH-MN)CGEY+P+M#+[QF3)
M\,=0+0PWGK^38,><K?8/B)CJ)DD7X/J+"^?D2]+[TIKP^$/IS0W:%8&#/G5J
MT5\#'V"!H&9:F>24MLX6=+ZZ3T3@M8FEK1!:!S02PL9E5>S6N1]LXSV_0)VA
MTG!HZS/PB;PEL_&<4J[@M=G%E`B\BJ])G%F#=/]6"Q0_U34<&D;(0/B4C8/S
MX5W0`UOCG,:R0R25Q`-\`(L,UX)]TS$(:KC>-XH3VZNQ7[]2QH0WB/P^"I'?
M@E.JC`;929H=!M'TNQ5$/7ZMMSO82E"AB8S=R'Y1C2U\H)EW[LI^`2WMQKD3
M$;MX\:+8TGL4/7&8$+<?\]"5[_=^[4]L]UONB$QP!0:'S%E3ULY+OU$R-+1*
ME4E>.Q"YST1Z9O%3]:QK47PT\:K$2">BG4XO%[76D/,?60M0*8[24O$2M^PF
M]_YX($5B6=3K)0:6/05H:6-I9$IQNQI3>(/_P9@X[<>5Y$[8$C42:".IB\A*
M!RR*O8(`1%X5@FN=0&U<NYP-W`T"%F%M=%V'`SM<<S+G[)XQ"2"70#IF%P%7
MIZ,I!.`G7/9%^FBGV#HY.B9WY`\N%8Q#MS9KI$W`(_;+-[@S?@[N%;\!('$D
M.)^*4U-)]X173[&17HY%LIWBF9VU9J20[NGMA"SD=L&`"NXK8"@S]NG]9'O?
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M<2Z%72=D!W0I\`I;LI3(GQU!H&53W4/^W"!J`*&YQE3*J:-_7V0M9Q_U0^W7
M/5WCDX9S)U*=ZW7=J4N/BSA=<`S&YQ(G[?#Z1\/[^O>#W<X)).JU=P[A^X=[
M\?L']Q]UOG=!H`[!LQDW#!17!+/@_UTLKF:2R9NLL7E3^F;=NB"6"Z(KH9_N
MB2K'Y3N4!VK#GWECF>JG=FQ@9P(<<>-R\G`VS.C'WEGZWJ_[%_PDP719=_T?
M''/WT:P]V#5MQ+N%U],@,$"8$=3`/%LFM4\8XFO9B%NU9CE_ZJQ::U%-JU7]
MD3=P@N*J!Q><%:.C0QMS+6I+X_=0?S73Y+YCWEG?``(E\G</[`K.%9[AC573
MBIE@+RC[$%YQ'I)F??O>5[O;NX0W4$R*DPD4&3"(I]V`/E!AZ^0`TN?S>8K)
M?$<O.N]5"_+/U=!N"#V0K>ZM9VJ^`/GH-%?9O9H3\OL^3O3^&K7_&.MVTW'T
M2X7XQB,K`4Y=LQ;FQR4.$^R^TGFZ_R*,>ZMY@\V[(%)W\(%<\6D-*C64&G-R
M+NRKS1A`L73,UHJ"6'*KWZG2P6\3GA!AY,?QE9")VK&SZK6(VDU,X"T^!"LX
M!6_@+E@-Q9,M:&O;28FHV-Y[%Z3T4172;]5/SA,'F9H/"<A()PG<T&4N%6L$
M53@9A'G2%U&DFL;M(!_`%"%KCJ8!+/BIZZV^F8M10AR9NBVU,ITP(C&?`#F&
M%2<4;.HW/HM]A43\PK@ZI(:2R5$3SO\-"QA/'R+EJ+,S32S"<OK`X;RTHT:;
MB[;(MO.B@3Q74!-*R0RM6]^V5L;SO-EP@MA?P[R!@TLV$1=DQN#J@M-Z2;/H
M/%,_W79M4R=@]4*%8O@4VN($H7,">;4I5MMV+&2OL#X->$XF$J\H`,HL"-;X
M`CG!G;"$5JA5S14W,`<AZ5'!]PFQ]C2<7G%`$<R0'O1%[&(!&^'UM([%"INA
M<5XB""$LI+Q:$Y/@P"'OR+;Q.R5=+N&"GD_F?#>L@H%YKF.!4V/T7)"]K@/>
M3KX*I$\Y+2%2FP*K#88XH0<KIP2+O&E9[J0/PYA6I61Y@O?4-U+5$*8FS>"6
MO!S^`#`UW=EK_?JG@))&RH@X_:JBR60[WFOMJ+O?<._ZRCS+J)4HTYH[*V.A
M6D*/7U%;V-`L+V]8G80_03SS\%"6)UY83O,LUI+V7Z.E4ZZY50KO3.@MZ!0X
MPL)S6O_`U')>'!QUII/!Z3\=,QOVL>_M??S###?U;S8:%`OU@<<"['MLRZQC
MY=;"@\H#(YH;2)/2=UF>Q`7,7W@:R6Z7H7)=B(4@H#6PSS!(HIP[T#IZ5;*/
M"H-89J+CBEI6W)ECM=JMSG8N"[[!<CZ)S>1#S5OI_`X>8_P83F>=8T.=\6AG
M8I)D6C>FABTWH$\^HI2X$Q0[DGLC`K/.7'FX<EHI4@D!F(KS2(>JN$X&[H8E
M>?$B0^9U<4`AYP2K-/[F5KTD(.-TBD0H"-3'OX:B_Q2>4`&1C'C;I;_;]#1J
MJ/SA]T0[ZXO4JE$LKC-A/IN)]L-BSD7U^(.I1`&V:36<XK2?>0$-0:(>)(GT
M'V.J@Y53=;+>S`WUSYP^FZ7;C_?8I(ND72:V@<,`;_M,F60J110_4'(02;_[
M`,>C@8<9V#`>2`HT9=,Y[%-(3VY(VSPF"MG81"_'="#9LG$YN@2<M"5D2Q4-
MX>"`._(RK(]8SBWP&_1O]U,RBW)=R,ND:;=FX@F"W\)_JWXBMZ@$:HSXUB55
MB@GPN_)@&D^EDIO`U1YRC2Y=.L?S.+V!VLZM*,(3#$+IO]3N)R72'VYA^P6W
M./"W*I-K)=4@R@7OR!&5J1)#R6GN3]=L3=N'"^09:5E]J-^5ZECDDQ<L+G,B
MATZUZTDVP,A9IC5T-'%[+]NU.B&^=@U62FCVL<K*-X5*[8H*9%]'H3(-E[-Y
MS\#)U^!CZ&X]_'+0`L4RQTMR`CT49L./`C3*@5-C:&<:NSQ.BMOEO+6\Z=L/
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MCB0HAJ`R"E1O,O6DS2L7"W+NG!@_>>UZNFDM9S`A_,52>BYQ+DGRL7N0TOMF
M;--C2_O5^`%\_P-W3KJSC,4:J=CVSRP=UC5*]1.<^-0_CTT50`,V<YOY*7QE
M+39I[!_(+PM,Y*8\IH\=*)#>22B>L!QLG-V4G:R4Q=3@ZN334!J1]+T9I)"E
M\,<&2>$XO'5#E=6G?_H7[6ETM(OG,03^(@E\VF#^2#QD=.8VA2H)0/U,L[73
M8>1&91R%>Z5>*XS4BH(^61<%M3A2%IUM".K)8L<>^9&8@QRR7*B+3.+P49N"
M>QMUQ^..@8(C!0JP`?V!@E0)$@RU$#B:`W9J6R139*B0*8F$H%K,E)V-?JJ&
M=\UJC:>3<PISP5DJ-FG'M"TIT6[2C)QZ:F$*\(6<Y8CED_:MA"6IC]&W9Q2G
M";&[$:0_PFAB8]NM@_E178?*'ZS8F+\W%>DV^+1U`3+L/=ZY%ZM)%#;C1-"=
M1^%)CKC4/=*73Z4S?)N@VPS=0ZH.#SB_[LC%<,(*9RS;+QKIJOLI:8!I`L1%
M=&QGELC8!!9EUNUEMY,_B>H`2+0E#,[AQ`408N'K5;Q)"P`>5@!EL'C:A!$\
M(,^?JB=B3QF4@5U=#2%`ISVRU8J,CMY,BC\L,=Y[C]V1A>WE,Z"K[^?590DT
MP].[_V`GGD_$4=OH5)NS3<0R(_"S\I$2"NC`\`(']<"_+J7T)*:KXED&@5("
MW[?W[L7BYV*+>RWAHTNN)%1^Q(V'JRW?AJM&)%X^/<K47/I$!Z>!-=25+6:A
M9JNS,U=WY"@@4">(K[KIH'&92]#!^K;OE>[J,GL@##<Q4=]IM4BGU8*4O(.=
M:YE&?31*+SK2D?^J2Y9%1\Y!:@;KID)Q:9B(E9EJ230](>'FY`$':&!?JTW2
MU^JL!7QM;[5+V<+`Q!8HY>GN"3CALVL"[=IGA<&-B"FI=NOK0]&EEM)T(VNR
M<C9/UJ2C(]KJU.@EUNTNB5D7-;MI%7P65;98"$%/Q^"=2^U:JK*)AP>$T]J:
M_PEV_?5KL&+]7L#O8/?L5(R&6\@`L_B9HMQ_VL`%;)!9R_R5?S;G&.U7=6Z,
M>@U2MY7,OSDP]RU_^LO/&6/G+R2C"=G2^F(TRU[KIXUC[B)R(P5I>/PO&'5/
M,E:DZ'MUHY[:<O?+S[_\W.FA^\H-6B8`T52BQ9TS60,^'=/[;OO5%J._%E'2
MNQG_`_)Y__I+B05C2[)/8<:H+$L+IEALQ3+PJ,H(-;S^E&K+=`_*Z?:C[%R_
M1_%,ODS_^'M]*+I`D:^`6>[.H2Q:(AAU;Z^Q?H:K[E%"'\PA+K;IJ(WK0/NZ
M<07'(PM?488@N^[,J)QME^EW9H*R0ZRM:B,IC;.T*5'<8%D:_1W?,@S<&+@\
M>Y4@**?RN]9'2N1%<Z"0J9L.L-?J1IM(M0%5#8R*%9(%"#;<S@.RX6I6B<EP
M7<?#?NR4'\'5Y-0@3@-2Y$KU$J%9?XZ053$+E_GRC2:7;S;Y]KT'#4_8XOU?
M]LYU-ZXCR?.O4A^\VS)6](A26[9G``(4)6O8D"RM*+LQ&,R'XE5LD54$JVB9
MB_DP#S(+^%G\*/,D^_M'Y.WD.7FJBI)Z]6&`P;15S).7B,BX1^2][8>/<B?'
MB#X74Q]#)JXW;6?%S5;;+IR,<:V/(!77=`H^?4=@*\FDN('2PT"5I1NYNG)\
MDS*<O3Y'8'=5JI/^O"G<1!"1#["!"S01_%(0_%?WMC-6!#H<V+7-8A#](5V]
M,"I=]8^`*RE4>DM!7:=T]?!_,ID24/D_(A9%\E073M_0#AE23K3O^F"E70V2
M>]08,P3R#KB^EA,F,5@@8EU5JFB,+F;3L]&R'%^HFS/I-65`>OB&2Q4;<1;,
M!N/:2LG'"0E=<1Y6*MT3S>2LKG@D+`S%K*W^7F&[37_+^(-H2^[7WJ:I[V)<
MD&)BJ*O4Z'BAUT5,I>,N=U[[=L4A>SQ5$-=M>=M3?FL(Q9$_U=I#/;`C^+I_
ME!HR++FACI1HY-](RP[AMU+1_AR9`J,]L+IJ7/\\(TD3O8/$=(<_?_+TH6&H
M]KVR7U@ZQO"V5=DK25`6/9#$ZE5870PTR`EB;>3GP%^\.R+7BE2]8U@O8B#%
MTOFU&7'OJRW9%]F_6-E->:\HA?EZ)"GZ!^HTTU?UA,.0RN[=W9S(EG\LDK$$
MS)A"F%?I&2VZY24''NXFE),:ER='[V;G/';IV;DYXQJ1J[I7`3?_6$8X+BWF
M#"/L-H+4!V)(IRF?;_+NG!+7ZZ-WQ!6[?/Z1F*CGXL9LQE8N[HC_>C2+U\3^
M-`52&[`I-AO4T:!]U-G'&11%9D5/=*XAC,KY\Z1W!3I@M)P-JNSD&;3FDM14
M8B.<$<-2P13U.L]W=U_;>3+V"\P@VCAZA_?;.TQ&`3V'84]&O2#K]Z+WQMMR
MQWZ?/*PN??CY4?VS7X)J<K-]"^,B)SGT73I?&'O<Z77$JT_\M&H?J.MCRF-W
MH,&@T,C\KX6(_=(.7G"N"IT-CM^]X-\F=3U?3?<T9B,STX'1:%0>OV]]FE4\
M>38C<RM8&KG%ND?Q'1(ZOZ9*'2[0=#'037_GQQ2?<]JUK>0?"S"4#-QUDK?J
M>Y9Y>1?C#3"U^7N^U05/MXA%<"H'AAV3\#?@.D7VNM$F#)Z=9\R,\/7O'EAT
M\;M&_]B>_!IBG2#B".\_(DJ"!;>&548CE[*(0>S;'^_(5CO!W;*DXG`D=7^`
MXV[&1#W.F$]A!,X1*07*R"GDC%42Q./3*FVJ<%0JT@@-KO``'UMK/I?=F.5*
ML6&@XJ#\MA&;]Z*E`!#"]#/J9HQ^XF.L=@3;[YE57L76)<!-&2EZ2I[Z<9>I
ME%F%M@'%D6L8A+')^C^BJR16(_/A3%8EUFU!``BU>$,E]D0=,<*/B>>I)#WA
M+#U*I5W5==NAI:N\>@(?<_V8%#FZ4JB?0G>X^/&P1J?"V[[:_KDMH"<>=EN$
M`E^V5^0XN0RNGE\E$%^QKO7X=/XJ,%%=/4_($YL(17-4T_6:_NX0321NRO"B
MOT%QB;L0;H#WJXICF&!T=IKOC._,Y_LB9.1@[]D"`0&4J_AL!:&=%WH=H$B)
MSND>&4N%!-H4P85H-)FZ'I;STN7W@T>KSY/Y0O<OAN2]X=+;+PC+QP.W3UMO
M,HI'7QBC&$9=\X)WD=0XYO"<@^1076TE9YY>D`J`W%?CVMA[H,?1B1I>W%`O
M$[..S&F-T+,T\=""03P]DY<)P3UU@7HIST&5B$K(Z'&=)/,=N1:'(;<AMBQ"
MU.9^,;_L/]M<NI9A)'K1*&13]D9*Q@#.;#J0T"QJ=J)NO,XNVG"H#NI=L!#"
M7SW\_IOM=`S-_M6CHKF,2_N!`-KVM]\\[GY&%M'WZ9?/`X_Z>,.WZ'64\P-.
M^%Y;BT&?;9UU75'USD]SG@Q0/E"E%KQT_X=%W.IOI,4&5=2R$&-Y1^#S2=TL
M\A!+[;SK43&CA!AQWD6P160+N+KH\][GL0G5`;B*UIT$&\`C-.3,T]D(46R)
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M0NJHR(X6[VB,!96:CN_=I@V_H7^,)93IT9G2"`SYOU:``8DHY0N<6Q9[3G,/
MW3AC[3ITG8_KMDEI4@Y=$PZ?/U'$M'/Q1M*38?;<+-I0@2!QL6MU]+`^PE-/
M=F,NT'-HUR^Z5=V^P;4W<YM(C1P84%A%-2&WJ:J.ER7J*AW(!62L[51QULUL
MR7Z/HY<U&=1L=(`JND-,,8QTXG_:6-__#*GXP[6KMMDWH2E=U(UOOZ1=#YLI
M]RKC,EL9;]7Y"?I_'EGE`'9,RS+J]:Y\^7VE+^GD0V]C&+[,M/R2=CID9#14
M[ZI(=#:7C(#91A^)<5"8KAIPTL5;03MNG.+P"-SRGJ,HJF/-I1<':19$@:7M
M7-.<EDRCE!1]?'(Z)0\V=HU,DZ@_KC4Q<9ZZH0"0!?(21Q9>QR4)Q4G<J8PD
M27///L\^*@MU',)DD\-(I!I73@GC[D63CH7LP\5T=BYMQPIC3=X9_U.>$J(!
M7Y0\&+(#$"51Y$U^G5_<7*H2I4O^#:P$:\4RA5W`1EZ@HBPME-4=.\->:6:L
MTE9)M\81J!RQ$"==3-YXFGT)-Q`Z`,]:<I!XT)LL850RZZ),0BOE9`(-4CVU
M5Y%]`_0D]A#48@E_H\'Q<J+>CW(>]I;?L\9)A@4J6T8?A+OW@NSPKT-R=(6&
MG3@/FLA'S;.]3;/#L*>/G<MRB!#P1V0-X9F%G"!.I><&]<WT6VXL-Y,,]:"6
M*Y"'#I3RCM3Y6AY7;F]C1-"8@D9ERD54[D+/3>OMD\]ETU-`JWU1;0MZV)=M
M5I=0I+EN&DN57[2BU9F8[;"F$JR<@0R7H6BEX[Y0`DK/ZW>?(<E[Z&D7+5^6
MG7^6=<M,R'3JPNNKE,S\VMTDY)7KGIQP4^`S14CUH/U(2<BGV/,&KK>T3\Y9
ME+NY(U)]YZK57^OA1C%9;KU[:U\C;LAKPGRT@,(3:Z*[G-A%U@9MO_6L'W5]
M`^N4-22B_LL-6=2/'CB9U@MI^\4[$X.I5S!R:\<VH2&=_]?7\6V;*&&YE3ES
MS_+UXMT=6M`*A^"I`E1,@X4II(BG<4*NH26XU'I4ULJT]^)5S<2D/8'6^$R:
M4NQD]8PE]EQDJ0"]P)ZW0%[ZDY[5T89OM38I>>Y-XDA33NS=%S"^F-[[#-!`
MI"G9L5I@IT)L/X>A^X'I=9&K]++A!IB*?_YWY"G#(!LJ'/DB.$T%_Y@L\L?O
MC[;M=O72/#9#?L"ZT\`(*OLID'U<AJW\-R[U2FZBZT)J5+@LF>0@&@LF&7E.
M%T7+'6&[9&UBIETNM`%C,TY<JIYWYVK547MLHSKOIFSCOTG-"G:0M.N16H]M
M])+&Y`GM^ZPLSA]20ZS@TJ1[EKS*09#!.K_)NJS4$!/';FL589Q4>F:S(.(E
M<)"0=U!]ZW#KSCW3:;Z.3MFNRNY<KKX[80-I5]V_&TF6F=?WTI6.@J%4?Q]_
M#O4WYE[W5HZYTI]EU8%(*[F&RFQ7L6`72LN=W5_I(RXWZA:8W-++5T6GI&KP
ML.P5#S.^!>LR:ZA/7R*2*RK]SHG087Y7T^X4C'(6)H/$Y--.M=4YH:W^.'H-
M@RBTX@4O&:Y&#N_^35)#_3+(EZ%-A.D*0[Z:;B<])+\&Y%(B?2R>[W#]7'&U
MJ!?I;0^>(5>!):X&!_U\5G]5BI1B<C,QXHE<.%1?#L/(K9)4B%U]0R@Z:O(!
MA.P1C'=RS>MO&CNLAX4[_E;/UK?_MEY?[NV'"C@8TQJ<3RQT#]->81"\#^[N
M(XY-(PI[Y_7DMVDLTH\^O'W5$LIM^$8>`[ID'W@F/Z_H\H"*@5OT.+WAO23Z
MY<B))?D.9]5K541T"+U@<\%QS?%C?_5,$F>^OAFU,2K;#R4/4K9SW'6HM10N
MC)LO=ZQ%&&\F#2TA\E%HJ(R7Y';R-^K5%J2E22+X=)S!([0`Y8+X)G*!`!6U
M9CA%RQDDQC+LS"]W>H*O%+AH1]A"M"/U''K?'6X2>U7JX8,'W_W3A/`5T+NV
M1$F`'OV+XAG1'^.?!5S@9K$(J_C)R0<Y&_UM*+8[$E&2/\GL=#WHZ+@MSY#G
M2!+-%V6/W\NO$S:,GZNBP^$K4Q+3(:Y33@AV82OR#:;`%*;BPGRJYFX6=,4*
M4UFOH!?,1WG#Y(R.YG3L`B7`SV@50=N:/WX/Q9><!8JY5*\W_O>KQ]_G^DW\
M:32-YP5Z@,#?XO.,4CESP!%_(U[;H!GP!^M28=``MX92=\99&[W8CYN]*@F@
M('4GHN;7;$29*2,G-DZE2<&WSGFLQG3+<US,H?54)(_$F2"9P!-%[OHFOK,J
MOX'H=/J;A0Q97,J+_-;N?3^ZN>!AF?(.*!FO_#<^[%=.Z!V(,FD39P2.KP@<
MYM>*OGV8:R^=#Z.<V?.]\(+@W21X4)#`AQB"T&_70$#C%VIH\H[V?K2;%4I"
M*Q*=V<?/<(Z&CA8"0N!J=C-!+D$(T^`R^]!9-3!58?K%Q1>]IN/^[>#'5J%)
M*Y:'RJ_@E:"EL3I^^'/Z0;=<*V_F.;5TH-22SPFMOW=??IMLG,[RVQ^[_*.A
MY8W3R7E_IQ,]`N<QGPMHY!LHHHUDWKQ*W.28GB!8JJ7"-9J<OIVJ-7%LTJ['
M)NVQJ*@#0$M$I4Y([H6N)*@\]S]TF--<2=8@L/5PV/SZ;#H[]Q?T-J"-"!V7
M`@HGQ8R;<&XC@@LV;KN^0F:PG7!+$9G."KC#[)B;$#*.F(.8ENA*HQ.GU#TX
M.YGS;,/5N_,C\L-X3F(L"^-9K%5^C5CFKL!&)P>Z8I-[SUX?!'4Z^Q`[PWW<
MO^X>XO.C@<R_5<)AA^+A2>>#E?.WY0DLZ^J&`)&;;)R(LHLCNU+'Y_!K<,AV
M8RSAC]]#_D<_MR`U6;%N\B=72R'#F4J,?_8._1-1/%HAS*][EMN3>A?5"#/$
M$@A`/4VDM%<P:7%/B2/KSFM<;3*UPD4'HPRU$"Y8KX;G[Y:OX)Z;0)]1QIAD
MX5C@2214<NDN61A(GL8W<1),OX3C#E/?Y-YTT*HTW/_CY*^H^N_`Z18LXEIO
MFT0(+.='[_M''UZ#CJX#,_':V=%[%%<G^B^)+(830OPV<`^[Q^;MWGQ%ZS])
M>,(6KC`\3$3?F-G+%4$,Q)Q7AX-?CO0P8]"@C.?'=VSACJII49=?V:6G/'QB
M=&DM4$]XPT^R/O[#-`<$!"QT@;("QT/'YFE'TA9"5D*^G2D,1D!T>B%]*3$B
ML1U7J;65Y8?YEAF$Y!]@]\A6"%7):A"A$;/(3&!>ZCJFO#WMS%_!Y(%9:?7<
MH(H_I!T8S].G+'HN$!'LY8N3R,>+0W`=B0#7-[0UL6L243JV1AF@%N?TK['W
M#L/QR,V+Y^,T_MS5_+JV%G:$;&/70I+K+)).!-Q^0T>R:'>7YL/TB\D#]*C8
M,T<B[@'YRO'?S!#O2-I%(2ZT@I#4U4T^IE=+N9FT,I257OC<J)4(.#J:WM@S
M3Y"*14/9L4@ESNUZK47^+>I/MLOY5H1C#\@_WDFK-++RYD):.EQ)47'QJ@^B
M$BBB=ARE_)I>NL=!^0HI5:Q<+R5Q"`M???=M[GP47B5%O\'*?,P%!*O^.AQ&
MC_WZB.>@]QT2@PM;@M$,;9_'/F5C8J(KD'P[.8.\9A.*BNC'@6E=GJ<P*6CV
M:*H?O5+L9>;(M[UAHK:C+&<WKS%DCDY.N*5<J<OI>Q6Q,;5RB&*280\-I(=O
MF8M$HZ*+1+,^<P<=?5/T@E_-#]W=M.\FVB[#_8?TD9<\`M%VBC%]WS2S@7R/
MXAB%5?;*7*'D-;8A82TY26LWT["PHB\H[5C6.EWM[1R>4&PA^^_Q$NA](AU!
M1./G%W)`DVE_`N+IR<G`R_&0?L?Q)HXN<T`&,%\@4\Q35</\*3Z*F1+?CVB:
MR\3UWU_,;WE.[7;R&H*:G5RG!ZV&QAX$)UC_;Z;XV&E\_B]!XQE.2(V/J;1!
M7T/(1V*CU3EF!=1=1`@N;M%P7[E-7F>C1H!<$N_;P67#?+GLY7W=F7@"V@<(
MYOD%:=07$[SXO.G[/GHPO5,8F(X$TZ,(N?V3)]I#CZ+*Y).&/ZSAO?=NMPZ[
MN,<*LL-G]D_0P+V\*7Z+;"X>M(=3VV5(3QGY/KD*1]>XWK;T6+1LOJ+:B4[_
M5N6J@A'/JNS0NMX*6MR0YP/[OR(_Y_R&K#0I'J#2)&\Y5["9!98Y'%BE)/E;
M1S`O6YMAS0TE?TZE)XNT7CR3W`UV:3M4(Y;^_,G;R5]^\5B"%383NPFM9-(;
M*1AY42^R#09G4=#-,I+<#^W[[)94A=5-/(EV-[#[FRSMI;V8B'/O/F"<7UKZ
MK<YIY'^_BY%TI`C'ODF;IK--IADK2NJ\Y!K6&AN2@1E7KD<[^:;5US],/5&B
MD?H/:>[NR=3567WF(*EP`Z;'LI&=^(](04*A]U""U/HPVM0#$8Z\N7P:1NB7
M\O/3<Q[WQJ?R'CY%V8S::Y=D'2`7)\U;T#RVM(16'!596?G*U@#'$P".YEN'
M7"VTCOQ@#=16KIU0TCL_ZRP[I3X^(Z$+"B1G2T4YTL>,E<UAW+>8_9.Q6\\_
M#%L<X+FOK^>G/,"%3(;SQEW5F']%XM<5C`9//2#1M;W20>IAVG]B&:?7TYO(
M@WL#T1]N9M9W`$VH_NMSRSRA<B84*XFIR!O7R4-V3H.?BYW7$Q2<?+#LVAEV
M#VUG)#<J4A2<T2B^$6P\7L:>BGZ_\JDH/@UQ!4>E#(ZP7TAUAAX<(Y'@%J^H
M%4Y9`(]_%^[N>\[FB+IX2GF<9.6A*40E^'!^9K8O782":FFJL)4/@*GKDS,9
MQW,(#LY)B"IA!V%T>7A#59@51AI:LT0(%P=''"^V7/@0W9DD1+V(+W\:%V^I
M9A&./;4<15@.-W0]HH\U&CM_7#.P^BUW=&S.M_"%:$V)EA7H4J7E^?$YXAK,
MB45QTOE%M&#D(E#M,:B^.#F#/+BQLC[8MB)A2%]K+REK"2-$$SCC"XDLSHAF
M"A=I"OY)'2>V2@@9)*+!;*()AP=FG>\@U:F'FZL]AV)D11'JV1S^.C-60IE(
M%\]%)!&V6Y:(02D(?@6Q5&F)'<3?F?1JSB/&-E0F6`P".[(#=4'X1W.**;3#
M$[T[U-E`N2*=Y'?-C.FE:?VY:_EIUS%>!UAZ:'!K<GKIET<6R"G*D`I+N&CV
M1[LW'_!2=-!E_AP57_=QI26;&V>2M)].J(U'HUA)?];W(%4^*3-B_4VO@IYT
MQ=$Y(2(=)U6\;KH3/$F0FW73II+AO_[C/U\8V<&H(]G]UW_\7VWHM1KH[N_;
M&&=I^_E]9L:X%>_3C4PC"NT\J5QCN[?^U_4]'M:+WQ:P4>)`BAN6E33HQ8EW
M!4(0D)=`6Z2Z(?`@O^)A1=FNZJP,$5E-A0>]#9]XD761O6K30MZAFE,;#0\I
MP[=!N9YX%(A"2:?8`/KZ:&DG11"X(Z``J_F`KW*:(Y%%U'+@];!$>P9=5I=-
MB&'@/@VM%78=`77KWL#(N$X\D*:.K`BB:?2MP"04A^'78T6OYB:C;=4-H<AY
MJ8[U*+\[P]@PVIWGT8.P%/KG1%W8Z%]IUSZ/(&J.LBO)($^[B@=D+@7^?X5E
M<A)`H>_C/4+36,0F4NAB./,!?LI3<.L.&@?)J?Z]9P_L@(K(\,VCW0>%3VT&
M"<_]@:9#R["PZC@>T88*$?3HGDA6'J70)MVE[+I'>`\\>#^-]WED#)]J=#U+
M?J`\LA6X56\#=H08-&TR*)._DDJ)3>$E8;.`)*D,_+?@%\E$U*N@*TS=W\=B
M/^?8B+G7AK^()V4%S91,"FFAJ!(>-+J8?N"?UTO]X,\5B*$LSY?7-ZCDFIS?
M>20:9L5-B@JOKX%RLE!6`SMRS1_<J]$3BI$TN5-@IQ(]!!N\S9WW3/@/D`-J
M(<(I0(G3D*PD,^^O[\Z5#J@YHZ`-UG'G/;EX='_ZW+V%Q]-+>T?>=L810WY-
MPBCFM=R4BY.3]YR*#?C'ZF.=[WR<1`3+U>9Z(((IYS:W._=;#]4'\!<(7K#S
M9_)^&OL1;OHSQFV5S^+%8V@I)@<Q+CW36.MU%1D,`OCL3"%1[3A"D1>`KZP#
MLDGDF%T3T!)!F,K7;O&@@$1>]"+L3@K8S>GI.2K93!E*,>/(-%@[=5BDX#(Z
M.THA"TI$1_26VH?HQ2%C_EWSW:)XJ(JSI%EN5[STX@R#M[Z6/N%]ALZA_LZ'
MX0T$XYGE421]['CK',D>!;N6R)-^):%(O&J(6]C%:W*)@G<R!0D-(:%"'<@G
M+VH]0F0I8G8!U,@'X\/8Z<'44<0+GW%0L]HEM?3@C]([8K`J,O<L!]B++Z7/
M4-AD(/6%G-@+KBL;?$[&V%V!&>Z*I]@E<L(:\CJFQ>3_G%R#KSEM=<H(B#TS
M'@\#0^@?(Q[0Y138"20GUBYLGW%_8&=XMFTE7CMUKB=E,/;D,R&42!RX=02:
MOZ07S`-M$1CD=0P^+(24YY+*=>AGY)*F#&`0#039&`(U["NN%B'06[1X$C7R
MZ0+VMN-8D!U4%===7"LI^%VPBH3&-HF:0GIA'>BT2KV[#Y1MQYHS#R"JJY1`
MH?_5U$%X`"5+'Y.:A9#3LY>I80@0<8%>$4'/K4)56H"E=/8`S\G[V?R#/53K
M)(G[2;HH"H`R*CPJ;0`V13];X<FZCI2/Z.J:/8?=_$M)7L_Z@\TB>6?0OHD7
MR$\<E2W!R#`#+5]7T(I6X/Q46[O%1!S6DV4FM5#@K*H(8TY%R%QN262Y[J"X
M&`YV_2[((Z,$`6!^<:XV+ES6U)R0G[VAI5:^0(9C42_16_\YIM3"1RC;?Q>M
M8.1L\!J$7.1L<EL#DW"U''S@V9J)ROXZ"GI%)UO21X.<T"4AG<>O4%2)[`#9
MO1,I2"RG,YT;WJBY$;SS&>`F2,W#W6"!#IG0X/PZ('=!!GP2_K(-#`+3D!PJ
ML2@2$^4*@RFS3/\H`9M]XWQOTL2WT1-W-(R0H)5L><40*)%]'9R<#;GDPL\3
M_T8#VPEB8_/VG#/;A(,W^N!M/JX$`$+G9&HFWIE'?6+HU@'E'C]P?24J-VCP
M$2&ME#-\,CM#ZS(W<E2`T<'T10R[T/4(F91@E?&^<%CA#?WY8._@/H\*\O^>
M[QW8TE40*C5@.(B^_WO/?WIY@*.#3J3,+79_"BTG)39;LT8I>6^EU[G&_3,%
ML+5Q`BG7\P\X'/B?FRN(+N=3.N4%BBE=B.(8P?=NX$@;^^/W_SF]O/HG#]KV
MR$@(R4$1IZ<DL*)';W$BMT_GIA<")B@J4N&N">B*Q,>3+:J$/'+7AA[@ZHT2
MFFKO($BK?P*%O9_`5?<W"_PF$$T*")4(JDM5X-NQXF+A\WW)`>.4Z0!9P"Y[
M\$Q_#X[9W@#WH(=H&]H:YH'D44RS:'VF0*PO&2KC>Q,GP'=H,Y(O;"'W*C!R
M*N%NU&9["!=8FH!\IK<]VC[(JH!IUC?F9IZ\1G#)TSRY%_^KEUVZZX_SJA]+
M?/0<[]CQQ)JXVI;>H)%9$[`?X=-%R(8A:MHPPF#+P;HK[K3+"W'\N%*79M5C
MLU@T+&1GN!U9+WTD`>?^DGK>_>34']MX,:J>X!7Z`F9\M%G,&XM*)UF$28U"
ME6J-SA3G1NRG2+WID@A'"Q?++?'U'[\7C'&2U-*LY@K[@`BI#F.Z@.TTUKO/
M;)K./7Z7Q-Y1/M[CNY8HF5EXIF>OF>(Y0R,[5&I*SD<:7XG10%=?6"L_T]NT
MK>J<4@2%7+95'U.7R;JGRNFF3U&E+(-;'I(D\>SK=`%MK[;/T#9<WK,6,"H/
M@,9%*:)=AW<KL<A,PFP)0KRR+&M>6G6.]93/5[EJ(HEL?AV:2]:$L:L$?M02
M)P%/TQ^AU:?HG[^BRJ@X2?=-+U=)7=GU*ZY+V]9<BH_K;?R8.X2WOP<<N+]R
M/&NO#"&-K%M_)\RQZ>%PUA!G2?>==XFET,7.X#G%?[VOQO989)2`[M!PEZB7
M*T$HN4.);R6K\L:TX^,#>S1/0#_V8\3[E,4MDA;[3;@MM9!V,3_M28I=0S]2
MI[\50:TX2HWRMQ!X4[$1]4_7GEKZ%UM8]T2]0^R1TP@/LI?7\<&&9OM8#B;+
M'+`K3K./"FRID1O#83^*ZR"2B\NN-6.&/"E7ED,D`7_GM=ZBKD*_J@H\7((<
M4J&)>,+]B9+V\#,R5OP9P9%ZW\*Q0[.ZD^-ZGB3>)(B#3&Q=HZ&Q?N/&KHYU
MOK$(BC'-P9NDPTH?"!B5"E!OM,1<0;=V*Z)/*<Q"!E<([N"%/;FBM^U24DOX
M*D.PK@H9MH:LOKWVQIWF-MMS2:<79O=_TMUF[2*)"ZEH#88X/GH$FP='U)G?
M8#1#Z*G5@`'R0*D<45*Q-!$"]<RLT9@^RE7V^2,2Q8SY6WWVSUG)$5VB=[J2
M<[]XL*(Y^^"6WLC?I)T7\@PM:!?59FD%^'K,K9Y2.U(IF!0)/")1%]-%3VI?
MH:35GP])\#9>]J:+=R:Y[3^>H3^%:HX1E+P1GZ#.&[Y!Z.T=#URKR25*FD),
M_6O$CU@SU^1JF]8XLI?FR)'-I%F?W)I^Y'WU=GDNGKIZ*28U?,H/ANCEK1R6
MY:"7CH/;>J+NP*^V'SRX_^#!@\FKZ\E+5,MZ=*'L&%\8T)1:=V>#3T<`55ZD
MXZ2V05-B^JY$X>RSN)69`=!;]A-&?1^#09J9F%WOA,^L08RH/8_QQ\^1QJK`
M'*@;;D.ILS'E<7FXHY"&_.0BLIXD7[8VK0V-&0&>#;=3HUL,/6]%LJ]UAS<'
M/YO$@RT]V"+[]?Z>I?AX`:@.N(LU,@X*]W0]8^H1W#[PP)"1\Q8I*2#.I0>,
M*S<HK7=0R"YTW]1OSFUEV2W4FZM-(1*WTTZT*3#TC=UE4^6Z,^R;?Z3LT3AR
ME.Y$1YVM=+P>Y7PCQSNA4L8<EG_/#IYR)1!&MI>:8X^4&_/N3`MHNZ^Q>\1.
M=[_Z6,]B8O=K^#.`J@J7F\CI?'=@E<[LCZPZ.BM(Y,U6X./&BY#%*W1#CHPC
M%C7(]3[7K91I<=!(AF1`[**3/8O50[D0*+ODXQPC1RAJ@Q+(>Y4U]1EZ'T4_
MW?!`P>9R+,?=8%;JJ-)GSXGKMN>SS3J9!U]@/78L-M"DAH-@D_K'L+W[9=HG
MY\!/CKOO3_+.);]^^&C,/Y!Q$JW8PHE=[_RI?!`L0U473#`"^RV=3="C:'EZ
M[^>#IY.O>H[#QPCKV?+=@CT>]VT5.O1]TVQC.KCBV!.VKSZ0J6Q5.OAAU,U"
ME<[2F[)KISY5(7<$.=TLX)GU0'R/[OE$%[,(K4TF-QAVJU=H]%P\INGY%'QE
MZY_S6`]6B]FZW83M>D/M,Z0YZD_P(*3@HPY@PIRP'-Y=,IG<#T?[A8T^FYZB
MWZEI0_W5"L=+H(LF.;!7$.Z=-7LM\M+<R/?X`M(:E%G>T?QE[YHZCRH&V$7=
M['R1W$=X%ZR4SL66-7:@'"4NH!=3]#I/_#PY<"_.08RA;3YR\N^37\ADLZAG
M<FS`#F+8K#4C<30,L`;DBK0)<RDKV]WH?LZ+'S$QC6OB672V=G+!<NNX&C54
M;6LR%ZR>PI9=>>@0<9345-TUQMJG^`2`[9Y?*TFPB9<U%AZ8A9\HT5Q.5TT;
MR_@D)_M1U!:^TM5`#8A70]X/=S`F=KS=O'@^<(W;Y-?$?!N#%Z1/.<$/\FMH
M4^AAB(^GF36/_+!YY/;]`E<EZ3ML6J`/;\!A;&3>H?_T9D]95+C_M*;\1P\$
MCV]_F!Q/;XD+3-&0CONFW6,;]?V*43\\^%_CTWA\TORX]3[6!D8FL#;G6N<Z
M;P3C.TRXSC[7N\DE*:PSZYJ$^:BG"P6W]_]&89+ZL$]J$+8&7EH%(IT(=:>+
M/=185"3YK]<(EZU7Y%SC_3J9;/&F"&:66L9-7LTN>JQW_!.R/(([W`-Q/U(]
M6B\*"3\5\;X6\3XE"UFYY9/_(47)"*X>KQ7-O^?>N3P:&_8:C>P7>W&D_NJ'
M!P5MDR0$BZ99G58JE#F6O$X,L+?1-1'SYR;'2$&%P-)`QLARCC$5'4TZF^=^
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M3-9[WHU9R^2C%(573QSJ]>A2A/BEC=H$8K`M>NMI,FZI5R(%&L8!NJRG)E:%
M^6/1[#'#2:6&]6-:FL]*G+C<P2`9E`,RS649?Z>-ANS$";NZI':++!15+/6.
M-9`\-*"\?B>ZFK1LHOMD)0XY&,81-?D9)R>2Z]9<[D_]@:]Z?R5HNM@;&SD$
MQ'H\[-B3HES"6R)45-:;MZAP];;CJZH;M+E->5#.4%]P!V*]/_G+E*>_KF\G
MO5?4RY.7(F:+"TH!OI#9NWOM;V8(_@^FG<Q/3S?XSMQFFX!NTK9SRMV5&-HU
MQ<H=[0DKSQ1QL,@MJ0QE4'FOJ.N=*([NK-F(:"1?9C`27L:NE>E`7P,40*7B
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MC36^VK-2+%K(V%?()[Z:[!;IWE&1K`_@?CKU0V@OLI_S67)*3@K>-&ES^^%H
MT,8]@$4RCSK3]!AE;Y3SP/H8.59OH9A?AA(?K*5$<*:+$)7AO53_C\G!S:$$
MJNDI1H-EOE(+<C;=<Q&P-0O!;X=I0H9RX=Q>]U.>D5-6PGH?IR1_SP9<Y#3P
MUG+DN2Q5SK-U.#UZ#V6M\8DRC/`MK3$R4F"NAZ.GAYJ\"L3K`",D?IV8@E0G
MBSEYM@XV3I@CZMU`LEGA@2U.;4\?G`WEUL.T=$):ZIY14`3_4@7E.F0)CU8=
MK*7*<T6\.>MZ'Z;A$Y0!Y=W7GPV<ZR#1QYI)=,D2BNI&6U-M7,ZU3MC\=N4A
M/XHFV@IDQGH3JH,DND9FXL1]M9;G5L;<VY#-GH6\+5I2K2:<X0]7PG3XL^5\
M.>UU;?T4-):9]$@(=(BGTT9Q:$]-8AH<[0[E5YUTS[=UNN?D2?`QZ75,6.$N
ME_T5X;Y_)GZO7KJDXMA+%RW>M-XBQ@K>JFHF++-JVA4LKVT1)+0-$K%Y?4,&
MI?2QW4[JZ\9(DGL_/"ZQ;3T(ZRLUC%N+"EC*@']%\Q5<`>?+=_BLOO47CS:=
M*'Q6SK3]X&Y3M;Y;@9*5.OSX]Z.9*CAVKMLE1=X4*E0@'5NY@,7?B830^:R&
MI-0O)8`N0NN]S'CJD<$,76ML(\UY58*'?8;=H4[K;RU?>=1TV26VCR8W4\H8
M1@LI"1XCLD^;RG/OJQ>4ORG2LN(S998F#=%KKX9SF7H+H)VK0T^,<J1,!+(3
MKE2*3<9DVFW+4[D_FSQ17`NSX#[)1"83S/5E[=I2>YT::1^UEWJRJ%2XG7)#
M.ODH>M"O"7/3S4"YZ)FNZ/]/.]UZ[CVFJQ+15U%+C$UL'5+F#P+K*14ABRZ9
MUIC29`T1UN#X;!M&[:V.Z)X'TU_9(MIC=&=OH1+@CNNY[O;4F<("$6X@'WMB
M/J;CIN-IH!(SQVK0'!!'N2KW,C*V!!'MRE1[%2,K;,KL(:G$"JGI'_52(]!J
M:V7KY4"-3-V6B-W"`.H"BK*`$8GW%%83:REUW*$*@54$6\Q15JV,7B(/1YZF
MO'[9',?E7L26>O;SJJ\\6UU=0FITO3E?O!<_]49Z+^8?$F>J1_H:>2]$E+65
MP;R?WM@B77[P@PRJ4>@H"R*YQ,L"]3TE,)+'1MJDE;DVLNC<J`ABIZ7364JF
M?'LPLFO\!BB&JDBMX5%LV2#AAB+9=?Z@7>.KP1T03N-M6^KMC742J8_4MI_J
M09IH:4T8+?;4+)V\3ZMDRHR.97^B5OO3+RWJ->=,.DB$-4M&-NX9*;*K5%^5
MSO=98#&Z(2?6-_:NY>3@P_3JL^[E)[2*0A>,F"X`M![F/A)K+P*AKKXM0R,_
M'DF-6=<[^R>@VM;ZHY3RV4GW3KOZG/3;V-#_=R+.S-<==/$:%:T.8NC<E+3"
M%1&'QAO7TL"=L<;JE#BZR<`R6QT1%)F?(S?-%`OU5Z/Y)W",=[1R4)\.[RE&
M=05]2WNRW'>,=:'V7L6&VP32WNIJL$J;V^@BM@#]VI^'5"4"!I9G)_32(3?$
M1CI^?<+F/&MPGGHNU0OK%=E28T[&7@'_.TR]"7VO=#UX31C=YJ9*"WIY![-R
MG>WD;8PX/"'EX1RE4`(EU\2%>L0ME21DC1"D?<_E`JG!GS?EJJBUI%$RR4G/
MR"J&7A2";X;V,_R!@6SAQ=3`+-3PG.<0V8+W>NL-\;@'73'P'U8ZCND4/[$6
M;!/;N/XL1&'RY/4`?7K`>JIFIFC+NBH>-RD\6NV8D]B;Y/]CC:-29H6VGGY_
M[\E>F@W^%KUV,CTRW^Q8,$]SK5ZD\WK6_*4I@>RF-9+CX>9`T?8R)"TK$J!_
M3B"!>NH!Z3,RO5="J]:U*-H2LPG]M41RQEY[_'1\'2`U,$".I7A01@RSF_I`
M^&$Q7X2N4%4*RLPIMOMJ;Y\[2U$`62IP]?K#X,*0KET'@],NZF\R8K([JQG=
M+335[-'IM6AYH5[ID^WFDO[WARO^_JCY]Z$MC_A>.DI+\RW?P4G;+HJ0:"$R
M-;O7,K*\,?<1#]Q8+U9EB$&)<`N&$;PKW@LORO!["$D-0$O>I$DM;QL6)>[G
MH<33Y!BH9VGXD>IAG5.OP[)C[DE@)BK@"B&JF#=2+X$X='"X"1AO0SW,K\9I
M.KR#M1Z5P5X"YQ3@?A+8?QI>=[=98`]W*L?KH#`FB654WLM_)\O9&R$H9Q"-
M$P\I/"9T0XAX::EE&T[30URVI(*_)>Q%`38E!85MT#R8].6,9DO=L-S)O6EX
M)WA,.0YSIX8/=#XZ37=D1=9DV85AE2_OY?2W\\N;2V0(><M+:_/K3!MI1:P0
M>6@>*/CVC:J>TRN:-5@"J^>KV,DATG6O&,?42FD_(9X0*K#'$H7\3A7GBDBN
MMU&D#7/!-^D0L0I0Q<R^&T4]<K^)83F6?/`H*H"&E'Z>9>$_AF-8U6C".>VQ
MFYVN!2X)^J(;X;BIHL'XM&:+D*"5=0UZTVFG6=.SOE@P,\ON"LUU![*H-6,T
MC,(S6I%Z4`U<>>E.+$5_O7F+U*Q"V#]W8\QC@&Q:*FUZNJK0,,<`5LS\VG/]
MS47J5/$:VPF[CY"(W?4G&+2G1!I"T+$U;4%<FR&VXPP8K@V`)75[>N3$.O7,
M%GQ7K1E-[Y%B$C^]@B<Q5`4CL.<@ZRN:G$V5:93U8@/G?,@T"ANA)#]G1QLS
MM-$6NUFU?'NCYL`7.)B^'U`HEN:E9$.JI+4M[%^&\_3/:WZ+MYHTI1U."KDV
MC+:P7O@L#:]G%S&F/IV"2]@<?@[^#QRH'Y(.E1D\OU%\Z)F9^@/A]&O/*?C3
M4+.#Y@H42YJH*%YOXM:Z25EO$_^5=$=M4%4[/9/$B$*VTALGFECF/KFW_^:`
M)((0]Y`5Q[,J.'>7DW\A6IK^4*^7H1=ZKWEZXYC$10S1*)4-ZM5):_1V.?T;
MD-%/Y;-?]5)_XE7L[^L?US_/"X%CQ6E88KM7M@(@:*A-*):DF\&V.JLDVM/\
M_GO/\MD]/O['R5]AW^\P[+=B.\C.D^_UD4?VDZAW)##9B;+C($$;49>5>I5Z
M&$VE>1/<FE0*;_5P(>=Q_6-_CM`![]9P7P]GCD?].9;SH_?IW?=(G_6GNZA4
M\?GWE',!&WCVFSV'&JQA:1)%LZ(.(,UA,QH[[*R1C5DJT<HUX$'E&H#*B0=-
M9&)KQ-M<'T'9!XEEQ]LI[2UZD)W,$F=KFMR!',VQ&!ZD3#KQ0K^&.RLALR!X
MI]:S.%>:=JY[?YWQ<[J5K9$V/<B((2Z]Q;0?](>L]!2Y(3407>BT>C&5)VF-
MV7CW;8O?EQMM^[3J:>/Z?!OOKIW7(.M@*Z88_6@/Q;KR5*\9!#FH"(*WQRL*
MN(Y*:,^!#:V9$R&O%M'5=^MPN3>#KU;QS-CY3&98?<;F<+?:>L-SYZO<UBKU
MP-*E?7ZB![VOWM$-K3"[HA;9O+MA#GEIU2`*7V#9NV],JCH.(E4G%2MI:0VE
M*9<):->.ZCZ3_8?%8KGS_P0```#__P,`4$L#!!0`!@`(````(0#.]HH[JP(`
M`.T&```8````>&PO=V]R:W-H965T<R]S:&5E=#,N>&ULC)5=;YLP%(;O)^T_
M6+XO!,A744C5AG2KM$G3M(]KQQBPBC&RG:;]]SO&@1'8VMXDV'[]<-YSCLWF
MYEE4Z(DIS66=X,";8<1J*C->%PG^^>/^:HV1-J3.2"5KEN`7IO'-]N.'S4FJ
M1UTR9A`0:IW@TI@F]GU-2R:(]F3#:EC)I1+$P%`5OFX4(UF[251^.)LM?4%X
MC1TA5N]AR#SGE*62'@6KC8,H5A$#\>N2-[JC"?H>G"#J\=A<42D:0!QXQ<U+
M"\5(T/BAJ*4BAPI\/P=S0CMV.YC@!:=*:ID;#W"^"W3J^=J_]H&TW60<'-BT
M(\7R!-\&\7Z._>VFS<\OSDYZ\(QT*4^?%,^^\)I!LJ%,M@`'*1^M]"&S4[#9
MG^R^;POP3:&,Y>18F>_R])GQHC10[048LK[B["5EFD)"`>.%"TNBLH(`X!<)
M;CL#$D*>V_\3STR9X&CI+5:S*``Y.C!M[KE%8D2/VDCQVXF",\I!PC,$=IPA
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MVJLCA%CZ67>KW04QG`EH[=%\"K==.^_W"W#;-*1@7XDJ>*U1Q7)`SKP5'&GE
M[BLW,+)I._T@#=PS[6,)GQ4&IVWF@3B7TG0#>Z;Z#]7V#P```/__`P!02P,$
M%``&``@````A`!RSV--E"```M2<``!@```!X;"]W;W)K<VAE971S+W-H965T
M,BYX;6R<6MMNXS@2?1]@_\'P^]CB1;<@R6`DLG<'F`$&B[T\*[:2"&U;AJ5T
MNO]^2!5MLDJ))4\>NF.?HQ(/ZRJ%][]\W^\6W^I3U[2'AR5;1<M%?=BTV^;P
M\K#\[W^^_)PM%UU?';;5KCW4#\L?=;?\Y?$?/]V_MZ>OW6M=]PMCX=`]+%_[
M_GBW7G>;UWI?=:OV6!\,\MR>]E5O/IY>UMWQ5%?;X:+];LVC*%GOJ^:P!`MW
MISDVVN?G9E.K=O.VKP\]&#G5NZHWZ^]>FV-WMK;?S#&WKTY?WXX_;]K]T9AX
M:G9-_V,PNESL-W>_O1S:4_6T,[J_,UEMSK:'#R/S^V9S:KOVN5\9<VM8Z%AS
MOL[7QM+C_;8Q"NRV+T[U\\/R5W:G)5^N'^^'#?I?4[]WP>^+[K5]_^>IV?[>
M'&JSV\9/U@-/;?O54G_;VJ_,Q>O1U5\&#_QY6FSKY^IMU_^[??]7W;R\]L;=
ML5%DA=UM?ZBZVY@=-696/+:6-NW.+,#\N]@W-C3,CE3?A__?FVW_^K`4R2I.
M(\$,??%4=_V7QII<+C9O7=_N_P\DYDR!$>Z,F"N<$<97*8MRD4X:6<."!GVJ
MZJO'^U/[OC!!8V[9'2L;@NS.6#D+@V5<I'ZFU$BT1GZU5@9;1D1GW//MD>?W
MZV]F1S>.4@`E72XN%,$PI3Q3[/Y9L^K\A;^&7*+/#.L\H^@BR^P5E26,US_V
MUUF%O0BK$!%>8C&F<,PHQPQ!*&I,(0P]9@1&D%"!A5X7:,DF]$(?"+S\`B@R
MH,2844XRU"1#7V,@>68AH1^OR[/DAZ79.Q]B$B^^`$HVA*C,&=6&X"0F,:Q"
MF,DX2K!UC7"1<8\C42;/YHNR9"**K+H`BAQ$)1D)V1*A<8:7K`!-(&<C2?,K
MA%D>7(T$);<(LF0BR._3D/<%4$`0BX@/RQ"5.9&K``5!+.(IUJL1++E//"3(
ME*GY'K)D(HC<M0"*\Y#T-QWDE@AE5!"@3E"6D=W0"$XS[U\DR`XB09F_GD>6
M3`1YL^`AH("@."=%I`S1)"(QI0!U@I*4))E&<!KY8$>"\EL$63(11.Y:``46
ME>2"['(9PFG$R':H$.:,">)_C?`HR?W=D2AF6M1\-PUL7,XE"9["<4QANM1$
MOZ$0?=,4-4W15RE8I.W9LV.108</BSHM4H7CN(A*8QJ.&$]RZCV$QRPAFZ@Q
M'D7>/A9FNW8@S,Y2TT,'@UZ/!)("43@.I)L<.1`L.'0D+D29(*56(],LV#HL
MS3;L0-KU^L&@O2-)?L^@@#@.+)J1?"D1RFD!06A,4E4C-/&6L2#;JN<+@L:.
M!)';%@PXYSH]&BTPG@8+&S9$(3P6\2@(0_LQYWY#L3#;L><+@_YN_'4I#S2\
M"ON<8ZJGN?V%,XK`28J:MJ*O4K!(V\7GBX2>C[Q'TJ!@P(%PS$G`E0AEC,`*
MP3PEMC6"Q6>#/+.-?+XF:/M(DP]UEV+``4V"/I"5PPVM7^WCFDA]/+EX1(-%
M%,RR`Z[=Y2[>6>*OQZZR[7R^+&C^2!8I:`4##JQ;<I(G)8;IN*0<[)8M(E)J
M-<9E[D,=R[(=?;XLZ/](EA\!G+?"&8&)X,8#7C*$\\SOM_-7B,M(DFW3Z'J1
M<H\C8?RF$61@X\F*%J["<6#'LW$<$GPT+B*<QRSS+H%(Q`0I@YD?2[MI\.`P
M>(2E,2:)7SC.M=(X35'3%'V5@D6:()L?F-RRB?](1A2.`_G&<E+=2@R/'ID1
M'.>D:VH$R]3#6-1-XP<?CQ_!7`/9YC@@BB<DI$H,TUQ2"$YS4G@U@C/NC6-1
MMJ'/+B$<VG]80H1/82<*.$X4657I+#@_$B\KA*8DT#5"@XD+"[II]+`O/FGH
M>?<[0>>YPK8H&3S;#G#I3(`BR4A%50YVI5XF1++&N`AB!,LBP\:\L9Z/AX[8
M!X*3!QQ88)K1YYK2V3CC&1&@$,Y-32<]01-"]&E^W31[<)@,4&4D5:%PG*N5
M\3R>?#I7JFDK^BH%^Y%,(C/].)Y(8I)9!0<.^(FG$0G$$N.))&Y2",^BT0")
M\#3^-%#M!#"_H,"\$!:4X/6>"]!PIF"<OFLK.<)C2?)7(5R.$EAC/`V&,>0Y
M^Q`]7]C`)CV->*1P'%<:XE%3PWA"'P@4PJ6@+\`TQO/@B0$+NVDB$>-7(?15
M1>$X("R.1U,DQK.4M!"%<);D--8U)J0L\9F/I=TTAXCQ')*0'E0XCLLR+OV-
MH1M@/**OC17"DS18^'"]1GB<1WYKL+";9A$QGD5H'RH<!]I8FI!8+1&<T*:O
M'.RV101SO9,%*W"AG@4.Q;)NFD;$>!H)'@"A>#@._*V%R914S1+C@OI#(5Q*
M*EQC/`J&<RR,3"7SRKZ`R2/L<0FI;H7C7.MQTQ0U3=%7*5CLWYI5Q'A6H1-Q
MX3CY\+:`K4:S"L'IZP*%<+EB>13^D*W5B"U604Y@N61NF>G;\?Q"@Z\0D\-)
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MRN$H$_E>F5-;P_?K"V`.31VKE_J/ZO32'+K%KGXV)J.5/>!T@F-7\*%OC\-)
MG:>V-\>EAE]?S?&XVIP:BE:&_-RV_?F#/1MT.7#W^!<```#__P,`4$L#!!0`
M!@`(````(0!9NG1",0,``'$)```9````>&PO=V]R:W-H965T<R]S:&5E=#<Y
M+GAM;)16RV[;,!"\%^@_"+I'[X=MV`YBRVD#M$!1]'&F)<HB(HD"2<?)WW<I
M1K9(M8E[22S.['AG=\7U\O:YJ:TGS#BA[<KV'<^V<)O3@K2'E?WSQ_W-S+:X
M0&V!:MKBE?V"N7V[_OAA>:+LD5<8"PL46KZR*R&ZA>ORO,(-X@[M<`M(25F#
M!#RR@\L[AE'1!S6U&WA>XC:(M+926+!K-&A9DAQG-#\VN!5*A.$:"<B?5Z3C
M@UJ37R/7(/9X[&YRVG0@L2<U$2^]J&TU^>+AT%*&]C7X?O8CE`_:_<-$OB$Y
MHYR6P@$Y5R4Z]3QWYRXHK9<%`0>R[!;#Y<J^\Q>[U';7R[X^OP@^\=%GBU?T
M](F1X@MI,10;VB0;L*?T45(?"GD$P>XD^KYOP#=F%;A$QUI\IZ?/F!PJ`=V.
MP9#TM2A>,LQS*"C(.$$LE7):0P+PUVJ(G`PH"'KN_Y]((:J5'29.G'JA#W1K
MC[FX)U+2MO(C%[3YK4C^JY02"5Y%(.)5Q`^<8!;[<?*^BJLRZ@UF2*#UDM&3
M!4,#W\D[)$?07X#RX$SE<?;Z+ZO@48K<295>"UQP:,_3VO<];^D^05'S5])&
MD5+;.I-"7Z=L!XHLH13.AH-+C!&R&QBR?^#I;`S*-3;V]U8-^4NRGG\:Z*EM
MIA2#L9TR0H.232D&8S=EC$0T@Z%N4'8NA,E^VZ@,`MZH![XWCPRKBA2-2+'.
MV+[+R-YE[-YB:$8AD>L[*<DK&ZIX'K)DENC9;Q1GUL_IS)OKZ%9#@U1'LS$:
M1)X![S0X""^5U1S!BW:](TDV'1E?NU&<1+UYR=QLEP[[AN-L#,=>;+RWNS$<
MI=$%UCPE_^-)DDU/,[W2&\6)>D^!9UH:H_[<J$<V1A/3[VZ,QNFE&IH?N*?&
M/;KN]9)!NB^X!XT;:Z-(:OR"=#)_&IQ$H5Z6;`S/O-28;=B",@,EGL;Q)5J9
M4RM.;8`&LP/>XKKF5DZ/<GT%4.SSJ=JL&W\!MS)<KL9Y!ANW/W?/`&R\#AWP
M5\0.I.56C4N0])P4YH>IG:D>!.WZNW9/!>RZ_F,%/VTPW/>>`^224C$\R%O]
M_&-I_0<``/__`P!02P,$%``&``@````A`#Z_H!,M`P``:PD``!D```!X;"]W
M;W)K<VAE971S+W-H965T-S@N>&ULE%9M;YLP$/X^:?\!\;V\A`!)E*1J0KI5
MVJ1IVLMG!TRP"AC93M/^^YUQ2&RSM=V7!'S//=QS=]RQO'UN:N<),TYHNW)#
M+W`=W.:T(.UAY?[\<7\S<QTN4%N@FK9XY;Y@[MZN/WY8GBA[Y!7&P@&&EJ_<
M2HANX?L\KW"#N$<[W(*EI*Q!`F[9P><=PZCHG9K:GP1!XC>(M*YB6+#W<-"R
M)#G.:'YL<"L4"<,U$A`_KTC'![8F?P]=@]CCL;O):=,!Q9[41+STI*[3Y(N'
M0TL9VM>@^SF<HGS@[F]&]`W)&>6T%![0^2K0L>:Y/_>!:;TL""B0:7<8+E?N
M7;C8I:Z_7O;Y^47PB6O7#J_HZ1,CQ1?28D@VE$D68$_IHX0^%/((G/V1]WU?
M@&_,*7")CK7X3D^?,3E4`JH=@R"I:U&\9)CGD%"@\2:Q9,II#0'`K],0V1F0
M$/3<_Y]((:J5&R5>G`91"'!GC[FX)Y+2=?(C%[3YK4#AF4J13,XDX'$F"2?>
M9!:'<?(VBZ\BZ@5F2*#UDM&3`TT#S^0=DBT8+H!Y4*;BN&C]EU30*$GN)$O/
M!2HXE.=I'0;S9.D_05+S,VBC0*GK7$!1:$*V`T2F4!)GP\'5QW+9#0A9/]!T
M$0;ITH7]O51#_!)LQI].S-`V8XB%V(X1D07)QA`+L1LC-!)#8&0*E)6+H+-?
M%RJ=`*?5``HUM:0JT%0#Q29B^R8B>Q.Q>PUA"(5`]$J^3ZAT6KF0S4NS)3.K
M=38*,U/]FD:61M-J^6:Z-0XMWYUNG2;7%\'0!:^;KNOUPDFPJ0<*EYHA;Q1H
MV@N:!*9QJQLCRS/3C6%@N>Y,Z[5E#3G)_\B1X)&<F1GQ1H&4G*D=U%:W1G.K
M`IFR)N=9I)6@GRL[PQQJZ3`DP:QZ?X4D>"1I;DE2(-5RL1WT5K<F@=URNC5,
M4HL:]I]\_M#-P?6559+4<E.SO\'L@+>XKKF3TZ-<7!-(U.54[=1-N(!Y#&/5
M.L]@U_;G_L4`NZY#!_P5L0-IN5/C$B@#+X6^86I;JAM!NW[*[JF`+==?5O!1
M@V'2!QZ`2TK%<"/G^>4S:?T'``#__P,`4$L#!!0`!@`(````(0`>0C]0<@,`
M``,+```9````>&PO=V]R:W-H965T<R]S:&5E=#<W+GAM;)16R6[;,!"]%^@_
M"+I'JR7+ANT@EI0V0`L419<S+=$V$4D42#I._KY#T0M)-TYR22R]-T_S9KC,
M[/:Y;9PGS#BAW=P-O<!U<%?1FG2;N?O[U_U-YCI<H*Y&#>WPW'W!W+U=?/XT
MVU/VR+<8"P<4.CYWMT+T4]_GU1:WB'NTQQT@:\I:)."1;7S>,XSJ(:AM_"@(
M4K]%I'.5PI2]1X.NUZ3"!:UV+>Z$$F&X00+RYUO2\Z-:6[U'KD7L<=??5+3M
M06)%&B)>!E'7::OIPZ:C#*T:\/T<CE!UU!X>+N1;4C'*Z5IX(.>K1"\]3_R)
M#TJ+64W`@2R[P_!Z[MZ%TW+B^HO94)\_!.^Y]MOA6[K_PDC]C708B@UMD@U8
M4?HHJ0^U?`7!_D7T_="`'\RI\1KM&O&3[K]BLMD*Z'8"AJ2O:?U28%Y!04'&
MBQ*I5-$&$H"_3DODRH""H.?A_Y[48CMWX]1+QD$<`MU982[NB91TG6K'!6W_
M*E)XD%(BT4$$(@XB8>1%61(FZ=LJOLIH,%@@@18S1O<.+!KX)N^17(+A%)2/
MSE0>)Z^O606/4N1.J@Q:X()#>YX683")9_X3%+4ZD):*-':=$RD.34I^I,@2
M2N'B^.(<8X641X;L'W@Z&8-RZ<;^WZIC_I)LYC^.S-26EQ2+D5\R8HM27%(L
M1GG)T$0,@[%I4'8NAI5]W:@,`I[6`VC4R+*J2".-E)B,_$U&\2:CO,8PC$(B
M>B??9U0&S5VHYFFQI6-[02I.-JS7*+(]FJ@56^AHFEJQI8$F9]3P!=M-]W6]
M<9)L^['[IC@CM?\R"\T-U%[>A8XF\<3L=VF@P;D6AI_T(WXDV?9SKM.P^9>*
M<_`3!&9.N8Z.+;.%#D99:H:6!AJ=3Q3##AQ4[V^/)-MVK*\N%4?9L?=<;H!C
M,]]"!R/;:VFBKS1'3B+:.7]]L4FRZ2:V4EHJBC)C+Y=<!T=V:W0PC*RNE@8:
MGTMHM&;R$3.2;)J!(\]>:HJDCH)T9!W*N8&&5LJ%CH:9O>]@+I'?5]+A.,M.
MO566U-"A[N06LPW.<=-PIZ([.5!$L)E/;]6LLPRG<$_"=6>]+V`&&M[[)P!F
MD!YM\'?$-J3C3H/7(!EX8]C.3$TQZD'0?KC]5E3`]#'\W,*PB>$&#CP@KRD5
MQP=YSY[&U\4_````__\#`%!+`P04``8`"````"$`Y'W?IIT*``#210``&0``
M`'AL+W=O<FMS:&5E=',O<VAE970W,"YX;6R<G&]OVS@2QM\?<-_!\/N-K;]V
M@B2+M<C>+;`''`ZW>Z\=1TF,QE9@NTW[[8_4C!4.2<W0Z8NVJ7X<\^%PR(>2
MJ]M??^Q>)]_;PW';[>^FV=5\.FGWF^YQNW^^F_[YWR^_+*>3XVF]?UR_=OOV
M;OJS/4Y_O?_[WV[?N\/7XTO;GB8FPOYX-WTYG=YN9K/CYJ7=K8]7W5N[-U>>
MNL-N?3(_'IYGQ[=#NW[L&^U>9_E\7L]VZ^U^"A%N#BDQNJ>G[:95W>;;KMV?
M(,BA?5V?3/^/+]NWXSG:;I,2;K<^?/WV]LNFV[V9$`_;U^WI9Q]T.MEM;GY_
MWG>']<.KT?TC*]>;<^S^AR#\;KLY=,?NZ71EPLV@HZ'FZ]GUS$2ZOWW<&@5V
MV">']NEN^EMVHQ?%='9_VP_07]OV_>C\?7)\Z=[_<=@^_K'=MV:T39YL!AZZ
M[JM%?W^T_V0:SX+67_H,_/LP>6R?UM]>3__IWO_9;I]?3B;=E5%DA=T\_E3M
M<6-&U(2YRBL;:=.]F@Z8WR>[K9T:9D36/_H_W[>/IY>[:5%?58MYD1E\\M`>
M3U^V-N1TLOEV/'6[_P&482@(DF,0TP*#9-55OJRRJI:CS*!'O4"U/JWO;P_=
M^\3,&O.9Q[>UG8/9S:@B(\6ROUFX;V(Z>S1I^'Z?S8OB=O;=C-T&H54(Y91H
M0F)Y31$5(H4718?(,OM@9D;?(-(,G2O2IJ\PDR">OK-8V\APTXDKMJ3]7`%4
M.E!%B48DE$AHCB!"36]=H;Q`"]]-3>Q!X/6<=GX%R+)/=9[E=3GO?U&J<:GL
MNES6,4JY5)[G<4I[5`6A/OI%Y)IQ=^6FY=4V"O+J96T%$)=7D5`BH3F""#65
MZ0KE\VIAFE=3I37-V0J@NL]LO2B*6,H:@)A14"*A.8)HK"_1:&%/8[[P)`(#
M$JMJD9E-T_ZB5$.I\T!XE`**&0G-$43GXA*=%@XFJR\4(*9SC4@HD=`<001:
MUY.\I5C82^2\6-(<K0""3)9EO<15@5(-H8K%8A'+MP**&2S-$43H]25"+4R%
MYIFO$Q@LRO(ZRV(*&D)5UR,Z@>)T<@31F9F],CVC/4V59F5&<[5"B.E>(R-*
M1C2+4)764#CS-FTWR<"&F&UKV$7-:NMO)TBQ<B$0@R@YBF81*M>:"D<NOZ=D
M8$%<LY`%"RY",'^SJIK'YR_%EO4US')_R46,&1#-(E2M]17I:L&%$+7SPO.H
MJPPHIH.-C"@9T2Q"99K.N#(3Y[!M%>PROM7-@&+EBHB2HV@6H7*MN4C/*E@1
M-ZN!X;6G.C,4,(5SG+^A:2!8=I[`OK=0B#%#IEF$BK4.(UTL^!%7;#8OO1I;
M94#ASKK$0O1U-&F80HR5FVR3,NLW'+F)4QE<BKL<5W6P&G-6IC_I-OVGWTT9
M*4I&-(O0Y%K3X:@55F.P*&YRJ]IW^!E`Z";P3!:9R@1#SQ1@"J,Q`Z)9A*JU
MUB-=+1@5FE/?`V><F\&<BHB2HV@6(2ISSS:ES>"^E6>?YH%_0@J3.]2M5]]-
M&J80XY++(E3VIWQ4GN2CD&(ZVLB(DA'-(E2NJ<+TN9Q;VL]N<#A'"K([5I(-
M4LQ@*!G1+$*56K^37+4YN"-WC0H=(T(@M!I=HRAVOB?D;U,*,69`-(M0M2:,
MJS:Q>FTK/[_EQVW)?B5:Y4`Q'6UD1,F(9A$JU[-2B7+!+KE+LSG]^,[1WIXV
M@\+*%1$E1]$L0N5>9*;RT$P%SA$9F,KYJ',DV+AS1(P9,LTB5*QGI7ASD8,[
M(H4;.D>D0&XYZAS3,(48*Y<S;52NYZ42IS+X('<JA\XQ!XCI9R,C2D8TBU"U
M%WFI'#R0F]S0.2($N:W'5V6(A=C8-J4P&C-FFD6(6OO8QEV5^:G<T_1@6]6^
M<T2(Z5\C(TI&-(M0E9^R4`58*#>WYLCGWWE#"K,VZAS3,(48,WB:1:ALTW4W
MN6F%6]A6-,F1.W!(,1UM9$3)B&81*O<B/U5$_%3X6`<IR.Y823:$&EN[%5+,
MD&D6H6)-&#>W0N%:VK-1P>W&`B#06HW):-(PA1BK%CXPCE"U$3=5FG\35(,)
M\@K8?[Y>B%:ID1$E(YI%J%S/3246+K@J=\>-%2Y0\4&'@WTA(DI&-(M0N1?Y
MJ2+BI\*Y#!#,9?.-CO.Z3!^;-!@+L>4PYRFF$&/&3+,(5>O9*6$.AS;*)#78
M<V4?58B(DA'-(E3F13ZJ"'V4D>D_ST,*TE7C\V?_V-H0:H%/XGU*(<7F%#H5
M1XC8\B(;U=-T-0Z?72($6O/E<`"B4[,A6#%0WHTKA5A<2E_UFD6H6L].\3.X
MC-FHW$\M4DP'&QE1,J)9A,K\E'TJH_;)/\(CQ<J%0`RBY"B:1:C<B^Q3&=JG
MX`B/#$[A\Q+L5V)#L&S,9"G$F/'0+$+%FC#I]JFT-"W8R,,?I,K^.T!>`3;<
M135<_'CH[3UCT2Q"I46\DCTJ"54*+L@U#^%QW5HNX<:3C"@9T2Q"U7I625`)
MSL9UA.%QO3S;'_N%S""/S$4UM&3R>&X?0ZBRBUQ1"8:'YL^W"0@Q)=3(B)(1
MS2)4I>>&TJQN"6;&S6/D:([42$&>_5`DRVIH&<L2;I?G]C&$2O2<4*)$,!]N
M0B-NON0L"KAY&5$RHEF$R*TN\D(][2^MP0,<I.*9Y"ZJX6(L39!)%J'2+C(^
M5<3X!`<5A$:4083H136T9)2=V\<0JLR:C>1G4158$UI^N?]]'J2XU49&E(QH
M%J$RK6MQ9*:58F5;!7?$?$N'%"L7`C&(DJ-H%J%RS2>Y<OG-L;(T+<7`TB&#
M!^;!TGF'$D(-QS1O*U5(,:.A681*]5R/(!6,#)W`P;=Y*J!`[/@SF31,(<;*
MY?P5E6MMQ.43&<R'NZ>$)J_B'`IL*3*B9$2S"%5[D16JP`JYR0U-'D+1I;7A
M+JKA8FQ1Q1T%>A!/-57FV1]AVH+GH/GS35[%&1/,GX@H.8IF$:KR4PZH`F_C
MYC%B\I""(AWN\P6'S#1,(1;/'":7LUQ$=NTYH;3=IF\5[#;>>7"%%-/11D:4
MC&@6H7(O<D=UQ!V%SU^0@NR.W1IH"#7<Q/7W&Z28(=,L0L6::>DNP'SAUI:F
M6VOXY1V$0.OX\Y<T3"'&JH5>Q1&JUAH79[L1U(+-H85;>.E8U4#%/QW6*1E1
M,J)9A,HTG7%E)A:L;144K&\/:Z!8N2*BY"B:1:C<BSQ3'7JFP!XB$]]5N8MJ
MN#B^J[((%>:Y(V&Z@N&ATS4P@_79%D7N%S3<135<9*2=@\<0*LVS0HE3%`P)
M-0[!EL*Y%BQ($5&UB&@6H6HOLD<UV!HWD:'Q0PC]PH=A\(XP%!O;>11B3%5K
M%J%J/9LD3%OP(32GOAFL.;.".141)4?1+$)4+C[EBOI6W@X:?AD'J?CZPUU4
MP\58!8+Q8Q$JT7-":46Z`$?D)C1RQP\I9L8U,J)D1+,(E6M]1+([6%C:SV1P
MQP^ID4Q"B.A%-;1D,GEN'T.H-&M2TJ59VI,6W/$S+]:P$+P$P#-%#7=1X44F
M]?:M'39X'`%E\%8.>&G%V_JY_=?Z\+S='R>O[9/Y+Y?SJX79YP_P3@[XX=2]
M]2^I>.A.YET:_5]?S+M36O,&B_F5@9^Z[G3^P;[U8W@;R_W_`0``__\#`%!+
M`P04``8`"````"$```U+@98"``!]!@``&0```'AL+W=O<FMS:&5E=',O<VAE
M970W,2YX;6R,55UOVR`4?9^T_X!XK[&=SUIQJB95MTJK-$W[>"88VRC&6$":
M]M_O`HV5.%O2ER3`N8=S#A>RN'N5#7KAV@C5YCB)8HQXRU0AVBK'OWX^WLPQ
M,I:V!6U4RW/\Q@V^6W[^M-@KO34UYQ8!0VMR7%O;98085G-)3:0ZWL)*J;2D
M%H:Z(J;3G!:^2#8DC>,ID52T.#!D^B,<JBP%XP^*[21O;2#1O*$6])M:=.;`
M)ME'Z"35VUUWPY3L@&(C&F'?/"E&DF5/5:LTW33@^S494W;@]H,S>BF85D:5
M-@(Z$H2>>[XEMP28EHM"@`,7.]*\S/%]DJTGF"P7/I_?@N_-T6]D:K7_HD7Q
M3;0<PH9C<@>P46KKH$^%FX)B<E;]Z`_@NT8%+^FNL3_4_BL756WAM"=@R/G*
MBK<';A@$"C11ZF4PU8``^$12N,Z`0.BK_]Z+PM8Y'DVCR2P>)0!'&V[LHW"4
M&+&=L4K^":#$B>I)TG>2$:A_7T^C=#Y))M/K+"0H\@8?J*7+A59[!$T#>YJ.
MNA9,,F!VSL;_=09J7,V]*_*E@#9P&B_+)!Z/%^0%,F3OH%4`S3#J0>DI8GV.
MF-_V$`(">Y7@_5CEOW,_J'/@4W6SP<ZK`)GY?)VC]='$R<80R?'&+IX1M,]E
M`:XHQT#9.X=X)KTSG^$J@,9'H`%B?0EQ(A)(AB*OGZ$K`C-'^X/(Z4!D`%T2
M>0EQ(A*::BCR>I*NZ"S)V4!D`,U]'\:G:_`H.(+A6A`6KGNX#9+KBJ]YTQC$
MU,Y=Y13X^MGPRJR2##H'[N1@?@VOCY\G_0+<_HY6_)GJ2K0&-;P$RCB:@1X=
MWH\PL*KSK;I1%NZ]_UG#,\^A)^,(P*52]C!P+U3_Q['\"P``__\#`%!+`P04
M``8`"````"$`)]P]_1<#``#%"@``&0```'AL+W=O<FMS:&5E=',O<VAE970W
M,BYX;6R4EEUOFS`4AN\G[3\@WQ=P$A(2):F:5-TJ;=(T[>/:`1.L`$:VT[3_
M?L>8L!@JH+UH0_/X]7L^./;Z_C7/G!<J)./%!F'71PXM(AZSXKA!OW\]W87(
MD8H4,<EX03?HC4ITO_W\:7WAXB132I4#"H7<H%2I<N5Y,DII3J3+2UK`-PD7
M.5'P*(Z>+`4E<;4HS[R)[\^]G+`"&865&*/!DX1%])%'YYP6RH@(FA$%_F7*
M2GE5RZ,Q<CD1IW-Y%_&\!(D#RYAZJT21DT>KYV/!!3ED$/<KGI'HJET]=.1S
M%@DN>:)<D/.,T6[,2V_I@=)V'3.(0*?=$339H`>\VN,)\K;K*D%_&+W(F\^.
M3/GEBV#Q-U90R#;425?@P/E)H\^Q_A<L]CJKGZH*_!!.3!-RSM1/?OE*V3%5
M4.X`(M*!K>*W1RHCR"C(N)-`*T4\`P/PV\F9;@W("'FM_EY8K-(-FL[=8.%/
M,>#.@4KUQ+0D<J*S5#S_:R!<2QF122TR!??U]X$["0,<S(=5/..H"O"1*+)=
M"WYQH&M@3UD2W8-X!<KO1P2A:/9!P]42,"NA#"];[,_"M?<"N8MJ:->%)C:Q
M[Q+ALD$\,-:X@YC'N],P9!8YC;M@V=IZ9YC9+=/L7,6X[R,L;[#1K3?=$U/H
MK/X,ZD4;!'LT'B&#_X.O+.P,%%8)G@7^]:=E=(BRS$+$MV;[36JX;3+P[>UW
M!IJ;+L`S8])F]A8SQRW&,@COP7B#&NX8Q/;F.P.!A2;5@4WL^PC+W/PCYC0\
MU(:&Z?/61UC>%K:W<6VH%[43V&E#`YD*S^H"0PE;21RB++/Z0!P];33<-MEI
M0P/5)J>M#C-O]"T2ABW$LK?\B#T-=^RUYXV!^@K=1UCF,`R7\<FKZ*$VK*$^
M>[V([:]UE(SK1&P.@X&)6%/UM#$E[+;B$&7;U8-^="_"[>*=:K?>A5U-F<F]
M:,\[TXTVT^Y88]%<1,PY79(C_4[$D172R6@"P\QW%S"YA+F&F`?%R^I</G`%
MUX?J8PK710J'MN\"G'"NK@_ZHM-<0+?_````__\#`%!+`P04``8`"````"$`
M8W8B[G`'``"P)@``&0```'AL+W=O<FMS:&5E=',O<VAE970W,RYX;6R<FEUO
MXC@4AN]7VO\0Y1Z(DQ`**AT-<69WI%EIM=J/ZQ1"B08(2M+IS+_?XQR'\7$<
M&]J+?M#')WY][./7X,</WT]'[UM1-V5U7OML&OA><=Y6N_+\LO;_^?O3Y,'W
MFC8_[_)C=2[6_H^B\3\\_?K+XUM5?VT.1=%Z$.'<K/U#VUY6LUFS/12GO)E6
ME^(,_]E7]2EOX<_Z9=9<ZB+?=8U.QUD8!,GLE)=G'R.LZEMB5/M]N2UXM7T]
M%><6@]3%,6^A_\VAO#1]M-/VEG"GO/[Z>IELJ],%0CR7Q[+]T07UO=-V]?GE
M7-7Y\Q%T?V=QONUC=W\,PI_*;5TUU;Z=0K@9=G2H>3E;SB#2T^.N!`5BV+VZ
MV*_]CVR510M_]O38#="_9?'6*+][S:%Z^ZTN=U_*<P&C#7D2&7BNJJ\"_;P3
M+T'CV:#UIRX#?];>KMCGK\?VK^KM]Z)\.;20[CDH$L)6NQ^\:+8PHA!F&LY%
MI&UUA`[`=^]4BJD!(Y)_[WZ^E;OVL/:C9#I?!!$#W'LNFO93*4+ZWO:U::O3
M?P@Q&0J#A#)(!+V7_X^F"Q8LH\7M06(9!'[V0>;3\&'.YLD=78'G=7K@9Q_E
MYJ[,<&RZH>9YFS\]UM6;!_,7U#>77*P&MH+`8HPCR!2.R'74QP8=1EL$^2BB
MK/V%[T'S!F;*MR<6S*/'V3=([U9"FR$4,8JD/2*2*0+S_@4E,&V2]8282:#I
M*@P2IPHS3YJ^_P(6_>^?N\$7(/954$B?FPZ)2$/X$-&(;$@H08@<F'^JG#Y/
M=EFB$>1340%IB:F0#4(P-:]2YY1(G01W$IF-($*A(ZI0NT`!KWT8Q6O?0:#6
M_0U"-H%.@B/QT$WM"8O#).B^Z$!EMCA$)*PT5>1MV12-J-B$Z6L,F03[N3!U
M,B6(40<G2/Q@"I,11H8)KN-!U"94K3VE`J8J(:7)-7!7%C8(29EL'L/.++XH
ME2)E23R_*4YFBT.$0@&\/ZVBT4#P@DK9(&21DCH)[B0R&T&$"HMEV#7LF16-
MG-4((9M0)\&=1&8CB-`E%6H7*.!!)O5JA%`_=2.P$J:IJU&!<0UR2HU5)4(M
M0[TJ$+T,]GXULW;!'3U0_*#-74FA9/-*)<@DG)O&A!.(!<9(&8&@4NO#2]4*
M\W#W/&9H.=1=)V%:[=E(J,^SL;,IA<+(+!L?)R,EQHJ=T4C)4HM$50O7<;]J
M]"JJ:BC,2SW72,G.QBS6.M*5[Y2I%(N,$"?0)&+&T<DH%8?Z0%/EPH7<KQR]
M"U6>#!*.E)SEL3%-*5.A"1O+N$JQ,>$$LF_`3!B3^W6+5G1U#PU'%WKMHVR]
MM,AL8QQ$C./"2901PT$8AUYA3N[7BY9&S7/"!L6,^!XV4K[%,16&3BZ#2"]"
M\FQ#(,:,0Y/14#&S3W!A513ACO*-QD85;/!:[":3E&I8%.DU2(J^*5KFC$;7
MM3`NBFSAIV,878=\M#M4?J(=23?,9HKD!'<BW!TELR)4KK`OFEQQ:'?(1=,#
M94,]+.FG06:S1E*N$^'N*)D5H7*%@5'D.F2BW:%9'9P)F6J*8-*;MRD"S8T;
M$">1$B.3$29B^M.(VO`N!];1M$:#&KUH24KN34:M!!ES8`0:<V`$<CFP\%T.
MK&M%50\=F(1D#3;OHBF%1O9C"IE+?D8ANP,+87:J,_JV\W_72E<]2+4(?=UY
MF''G264D.33F_983R+R%9829A/)I/ZT1G=G"L=R\CD/T-]HZUM\(D!0J61J-
M9$J8D;7."60.E!%F&(B*?9?E"H>6:QD,-",$WZ^%7#MDIC*.!>%N)+,B5*VP
M,DIJ;YS0:(`<.Y)XAQQFM$5+ZD:X&\FL")5[E\T*C39+2]E&4GVY8LQXY$\U
M+!@<Y]%FZ9@T8S]79H=E%%O,]05$51M<EMMVA$.79:C5"*'XD9K5FRSQZ8*F
M@\N'8'M]>Y52S>VIPG<9JQ#]D%:I]).QI&1^QT[&A!H[&1-H]&1,*<?).-0\
MUHT+V.2U!B?C+G:_)84C)V,"C9Z,"35V,J:0_:0HYN_]A:MKY=J))=0OZ,1\
M.":4>;OFA)FPI7F"4RI,K`?%2/-==D_=T50O;'_ZOB2I7C!\OFETFAH6F,^]
M7,-&HF4:-HQ&%GAD,%[N@V+72I>?:)_E;21EVZ?<"'<CF16A<C7'==NJCM!Y
M.;9E25GE8B`+PMU1,BM"Y<*3U,7LF-2"UK,Z."A&2,E)'<W-NS*EXI%W-"D5
M+8WOD&24BA_T)U+)[S)>$5HJ=<<:OK,G(50^4KPP#B+&MZ\XB6(^:62$<=1K
MS7G=.*.'#FSXSEZ$D%6OBHSH59$QO2KCT"M<BV*L'5,:/8Z:5U.=1DI^F!W-
MS7X+;O:(Y2&I.-2G(?I,2HW$$K>$K+%P2N-%(+R=<BKJER(MCL?&VU:OXI)/
M!)]I7U^]7D#Z&(H[&]KK&[9*NUL\VNL<+BQUK\^N_X#[0I?\I?@CKU_*<^,=
MBST\*IB*NSTUWCC"/]KJTMV5>:Y:N"G4_7J`FV$%W%$)I@#OJZKM_Q`W4:YW
MS9[^!P``__\#`%!+`P04``8`"````"$`.?FRP2$%```;%@``&0```'AL+W=O
M<FMS:&5E=',O<VAE970W-"YX;6R4F-UNHT@0A>]7VG=`W,?08./8LCT*/]D=
M:59:K79FKPENVRA`6T#BY.VWBL:(:C#MY&(FQE\?^G051:4VWS[RS'CG996*
M8FNRF6T:O$C$/BV.6_/GO\\/CZ91U7&QCS-1\*WYR2OSV^[WWS874;Y6)\YK
M`Q2*:FN>ZOJ\MJPJ.?$\KF;BS`OXYB#*/*[A8WFTJG/)XWVS*,\LQ[8]*X_3
MPI0*Z_(>#7$XI`D/1?*6\Z*6(B7/XAKV7YW2<W55RY-[Y/*X?'T[/R0B/X/$
M2YJE]6<C:AIYLOY^+$09OV3@^X/-X^2JW7P8R.=I4HI*'.H9R%ERHT//*VME
M@=)NLT_!`1Z[4?+#UGQBZ\BQ36NW:0[H5\HO5>]WHSJ)RQ]ENO^1%AQ.&^*$
M$7@1XA71[WN\!(NMP>KG)@)_E\:>'^*WK/Y'7/[DZ?%40[@7X`B-K?>?(:\2
M.%&0F3D+5$I$!AN`?XT\Q=2`$XD_FO\OZ;X^;4W7FRV6MLL`-UYX53^G*&D:
MR5M5B_P_";%62HHXK8@+NV^_=V9+9J_<Y?TB\U8$5EQ%YC/G<<$6GGXKEK35
MG%(8U_%N4XJ+`:D'&Z_.,28R6X,R'H\+ARS-=`=VZ[S@H%#D"56VYM(T8'D%
M07[?,=MS-]8[1"9I(7\(N8PBP17!.*!P>+W0$Z9+HBN!20">.F-PYGUCX_&^
M[A]AW/_UOKZ\`-J=(8?>-Q@2KH*$0T0AHB'1$R%V('7Z=C!.<XC7M"U<!/'L
MN8"PS*D17T*079W5!24"+1%JB6B*($9A(WVCTP81WIIPBMW>P:"R?5]"CTU:
M+E:NW?PH%ON,9[,Q)NPSS%NNQJ"(0$M[H4#$*L2O;_7Z[$U;QD4#RQZUXTO(
M:RR[SNA.`\(L1X\E[#/,=CS%3?.,1@1BGJI$+'O4\K15A*G5A:L6%<E(IVRQ
M&MUA0"!O-1[>/C1WQ_,D(M"*J4K$*Y1#-;SZ1Q874<^0T4J9]"4$J=:EO9+S
M@98(M40T11"CV"LI[Q"]45RDK4T2FC*J)4(M$4T1Q.B*&IW.7H0'D53BY$M(
MIN^#HZ93\WP%A'%',SPD#!ODI7Q0*62K98%89=`$J$'%QF#:<[-J8'JI5*>6
MDJX?QVI*0!"FEI2V-\`M;DTI,Y<R-KU51'0&#'6,G822QG<XEOV'\@IZI-OP
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M/8398'/=ZA;`:.X<'_E?<7E,B\K(^`%N9<]PC%;*X9[\4(MS,]MZ$34,Y9I?
M3S"$Y3!3LF<`'X2HKQ]P<M2-=7?_`P``__\#`%!+`P04``8`"````"$`\_AE
MR+L#``!4#@``&0```'AL+W=O<FMS:&5E=',O<VAE970W-2YX;6R4EUV/FSH0
MAN^/=/X#XGX!0[Z5I%H"VU;JD8ZJMN?:`2=!"QAA9[/[[\\8)RRV6Y/-11+@
MF3=^9R9X6']ZK4KGA;2LH/7&15[@.J3.:%[4QXW[\\?3P\)U&,=UCDM:DXW[
M1IC[:?OW7^L+;9_9B1#N@$+--NZ)\V;E^RP[D0HSCS:DABL'VE:8PV%[]%G3
M$IQW057IAT$P\RM<U*Y46+7W:-##H<A(0K-S16HN15I28@[K9Z>B83>U*KM'
MKL+M\[EYR&C5@,2^*`O^UHFZ3I6MOAYKVN)]";Y?T01G-^WNP)"OBJREC!ZX
M!W*^7*CI>>DO?5#:KO,"'(BT.RTY;-Q'M$I1Z/K;=9>@7P6YL,%WAYWHY7-;
MY-^*FD"VH4ZB`GM*GP7Z-1>G(-@WHI^Z"OS;.CDYX'/)O]/+%U(<3QS*/05'
MPM@J?TL(RR"C(..%4Z&4T1(6`.].58C6@(S@U^[S4N3\M'&CF3>=!Q$"W-D3
MQI\*(>DZV9EQ6OTG(725DB+A500BKB(H],+%%$UGXRJ^7%%G,,$<;]<MO3C0
M-?";K,&B!]$*E&_.Y#IZKW^R"AZ%R*-0Z;3`!8/ZO&Q1,`_6_@LD-;M"L83F
MKM-#$5*1W0T1*13"R>W$>XP6DMX(43_PU!N#=`V-_;Y4M_4+6%W_/%27%IN(
M1NQ,(M*0Q$0T(C6)@8AB,/J(00%#UPUR#P724AE+:#*`IFH2=J-$,DJD-D(Q
M"`L95E"T9@1_77LE1=#&A2SV309&M23'$EITC3I;S#23\BJ\]Q):&A)K?&J+
M5PS"_^WC!D6083!2+<02D@:GX5*]NI-7;0:M\:DM7C$X4PW:*R=@P]A$77HL
MH0A):X$736`K'+RT1.P,'BU4Q<0@)M%R^)JK?&KPZ'V-BGFXT7V\NB+(2(+6
M?K&$+/7;C1+)*)':",6HF'(&6XB]R@(V;D3:/S"6D,W@*)&,$JF-4`PN58/W
MW8A$D%%)K9EB"=F,CA*)2<`=3^ORU(3>FTKQBN`..ZSF?6:[*,.M=M^)KY3-
M[CB2C".I%5'MBO'A[N9%<MB`':S?&B#7>O=>*:M-*61!DG&5U(JH-L58,;!Y
M9U7E,*)MIGH/P^`M.MWB93>.)+]!4+#01D@QY/_YMZ1C.<3+&;<B[9'L2%DR
M)Z-G,:"'L.?W9^7#0XQ6,'?"^*B=3\1#1?=8T%^`F;[!1_(/;H]%S9R2'$`R
M\.:P(;;RJ4`><-ITT^2><ICFNZ\G>'HC,-$&'L`'2OGM0,RM_?/@]G\```#_
M_P,`4$L#!!0`!@`(````(0![9IY;)`4``%<6```9````>&PO=V]R:W-H965T
M<R]S:&5E=#<V+GAM;)R86V^K1A#'WROU.R#>8UB#\46VCPZ7M$=JI:KJY9G@
MM8UB6`M(G//M.\M@S(Q]@-0/B6%^.^Q_9Y8=S_K+1W8RWF51IBK?F&)BFX;,
M$[5+\\/&_/NOYZ>%:915G._BD\KEQOPN2_/+]N>?UA=5O)9'*2L#/.3EQCQ6
MU7EE665RE%E<3M19YF#9JR*+*[@L#E9Y+F2\JP=E)VMJVYZ5Q6ENHH=5,<:'
MVN_31(8J><MD7J&30I[B"N9?'M-S>?66)6/<97'Q^G9^2E1V!A<OZ2FMOM=.
M32-+5M\.N2KBEQ/H_A!NG%Q]UQ=W[K,T*52I]M4$W%DXT7O-2VMI@:?M>I>"
M`KWL1B'W&_.K6$5385K;=;U`_Z3R4G:^&^5177XITMUO:2YAM2%..@(O2KUJ
M]-M.WX+!UMWHYSH"?Q3&3N[CMU/UI[K\*M/#L8)PST"1%K;:?0]EF<"*@IO)
M=*8])>H$$X"_1I;JU(`5B3_J_Y=T5QTWIN--9G/;$8`;+[*LGE/MTC22M[)2
MV;\(U8I:)]/&"8QHG(CI9"[LI3,?=&+AA&I]85S%VW6A+@8D#3RR/,<Z!<4*
MO%R%X31:J3]2"A*UDZ_:2^T+1)00GO>ML!=B;;W#FB8-Y",T-XT6<A@27!&]
M@MIQ>+UQ&\.&1%="AP\TM<)@M;@P!^+^.&)7'7H0U>'83,4],J5$<$\X#`GO
M$49$]T3'"1'J4*']`C4,R=>)@3>;T_G[R+@=9D:)8)`(!XFHCR#Z8"+=0/;K
MT_#&A,5K<\QSZ.1]1!:8I>Z<J0^(V?$\.CKLFEW765!S1,SV[):L1!)LM*XD
MO>F&<U,/HM+F+GVZCXA;2WL2MX?7>RF@5I9P(;$Z+.(1M=X6A<CR_H\L/8C*
M\F9+I@L9KPD9CTE`S,Z,K4K8-;NNS?(A(F9;W)03;?#:ZH:L/PLU3'<9O`[9
M@OL(0<*TJ7I[-`9LD`@'B:B/(`)UJ=(Y"/H%:I@%C>T$'Y$F9K8K[/I#`QM0
M:.X^@D(*S1YZBBBTF#-/1.KR,U(U3*5"+%D.^0BA6(\]&F/9)?CD\*CK$@]]
M1%V"^R`"!1QTXX-9TU2BQW=@P[3AY(]'D8Q:/`Q5R"@H@^H/38V(44N>&U2P
MK@(ZV3ONC2JP=H"3J-V"'GMY^`W3MTV'D7`8B7H1*E;7!I\7BQ4%.1K9"\<7
MR"SQ13MQ^0G"[-/;.8`I3.SN1"PQLLU?MK01H9U))^>H7%TI?%XNUA<DMFRZ
MOD"F-[:#2#CL)>I%J%A=0'Q>K![%=O!=;)%I8TNW6R"H><J&A\0.H65E4T3L
M$,R;G>K3A<3G]6'YT0TFO(19/OGZ!QFL`@AIMS-3$0PCX3`2]2)4KBXN.G+[
M3U6!I4AWBX),IL%O*"Q@YS/V^R3H-X?]YNB'9BI+5Q7C96$-PF3=;<;[2@7$
MW]*H.6'&4*$80T5#%)6L"XSQDK$<89)YB220ZB8L2&9';S"*"D=1T1!%)>MZ
M8[QDK$ZHY"7+3E\@U97,\CL81L)A).I%B,PI*Y9T[>#"JZ1_K]:C>(V_9`>F
MWU!]<H>1<!B)>A$J]T&I-$(NEDHLNOPGS10IK!*A10D?=LP0`LM#2H2$>.1#
M-_KT>_[A4U`J]O&PSY7)XB`#>3J51J+>=(]N"N5->Q?[A[Y80>\)6DCL?@A]
MQ?J^U1J@K7>.#_+WN#BD>6F<Y!Y<VA/=@BNP,8@7E3K7G:0754%#K_YZA`:N
MA*Z6/0%XKU1UO="]J[8EO/T/``#__P,`4$L#!!0`!@`(````(0"U23,1P@,`
M`)0-```8````>&PO=V]R:W-H965T<R]S:&5E=#$N>&ULE)=;CYL\$(;O*_4_
M(.X;,#DU44BUL-JV4BM5_0Z]=L!)T`*FMK/9_?>=P81@$[;L31+@]3N/QQXS
MV7QZ+G+GB0F9\3)TR<1W'58F/,W*0^C^]^_#AX^N(Q4M4YKSDH7N"Y/NI^W[
M=YLS%X_RR)ARP*&4H7M4JEI[GDR.K*!RPBM6PI,]%P55<"D.GJP$HVD]J,B]
MP/<77D&STM4.:S'&@^_W6<+N>7(J6*FTB6`Y5<`OCUDE+VY%,L:NH.+Q5'U(
M>%&!Q2[+,_52F[I.D:R_'DHNZ"Z'>3^3&4TNWO5%S[[($L$EWZL)V'D:M#_G
ME;?RP&F[23.8`:;=$6P?NG=D'9.%ZVTW=8+^S]A9=GX[\LC/GT66?LM*!MF&
M=5)T]P_+6:)8"BOG.K@B.\X?<>A7N.5#$%D+,(C\?0ES%V`4KPW3_7T)^5`O
MVP_AI&Q/3[GZR<]?6'8X*H@TAS1@-M;IRSV3"2P#Q)H$<W1->`X6\.D4&>XG
M2"-]UG19JHZA.UU,YDM_2D#N[)A4#QE:NDYRDHH7O[2(-%;:)&A,X/NLGP>K
MT8.GS6#X;@:38+(D_FJZ_"N!IV=3)^J>*KK="'YV8)L"KZPH;GJR!N/;V8`T
MH/8.Q:&[A/4*70E+\K3U-]X3)#UI%)%6P&>K(*8BOBAPW8"A!8&4C`=!,8+@
M,B%9I&]TXP96W+YBVBH,$,A"%P3WR12VZ.N9P4&@Z\Q[UKIK0JV8=11S4Q&_
MIC`(P:1+^#H9BD,79M^NR,*,&VE%EVQI*N*^XLIND,$^'$^&8I/LHQDWTHHN
MV<I4Q'W%`-GB+60H-LF(O=&UI(M&[)W>EPRP04&-SQJ*+39KJT=:,J\+=$96
MQ'H>Z^==]@$P?&&./AQ0;(%=*TS7@)9T`Q.K3.*^9(`-SLWQ;"BVV*ZVFDU+
M##:K4.*^Y&IBE`&!\V(\7*VVZ*P*C!J-@6=52WQ#,\2'A_#HA27ZR.X>(<2J
MPZC1=/D"JV3B&YHA/CRLQ_/IH[W+%UBU&!&M,?CLLKBA&>+#HWH\GS[8#3Z[
M,DC_\`_LTKBA&>*#>;Z!#]7F_@NNQKHZB-:\GK^^YFICUL>;WA/8I=E\5FE&
MC<;@LVHHOJ$9XK/>%N-Z`&AY>YQ6C4:-ILMY9:A3C9TSVBSJXYOXT]EBN9B3
MZX;1F=0]KV[E"B8.+&9Y+IV$G["')3"XO=LVY4VWW#Z`]K:B!_:=BD-62B=G
M>QCJ3[";%+I!UA>*5W6CN.,*&MOZYQ'^_3!HO/P)B/><J\L%MG7M_ZGM'P``
M`/__`P!02P,$%``&``@````A`/?;!!S]`P``F@\``!D```!X;"]W;W)K<VAE
M971S+W-H965T-#<N>&ULE%?1CILX%'U?:?\!\=X00T*8*$G5!*:MU)56JVWW
MF8"3H`&,L#.9^?N]%P=BFQ;H2Q(XYY[X^/K:OIN/;T5NO=*:9ZS<VF0VMRU:
M)BS-RO/6_O[O\X?`MKB(RS3.64FW]COE]L?=GW]L;JQ^X1=*A04*)=_:%R&J
MM>/PY$*+F,]814M`3JPN8@&/]=GA54WCM`DJ<L>=SWVGB+/2E@KK>HH&.YVR
MA(8LN1:T%%*DIGDL8/S\DE6\52N2*7)%7+]<JP\)*RJ0.&9Y)MX;4=LJDO77
M<\GJ^)B#[S>RB)-6NWGHR1=94C/.3F(&<HX<:-_SD_/D@-)NDV;@`*?=JNEI
M:W\BZX@L;&>W:2;H1T9O7/EM\0N[?:ZS]%M64IAMR!-FX,C8"U*_IO@*@IU>
M]'.3@;]K*Z6G^)J+?]CM"\W.%P'I7H(C-+9.WT/*$YA1D)FY2U1*6`X#@$^K
MR'!IP(S$;\WW+4O%96M[_FRYFGL$Z-:1<O&<H:1M)5<N6/&?))&[E!1Q[R(0
M<1<A[LP-EF3ICZLX<D2-P3`6\6Y3LYL%JP;^DU<QKD&R!N76F1Q'Y_575L$C
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M$8XRHB&&YO-)]SF\HR#9R&.OXB1'5AQ<Q\R*4^%%#PY5V._!D0H3K6`U4P3V
MQM_/7A-EV.O5W)VTD$5GNM-0SRBL4$-](S;24.(%77WHUO!@5Q;F<,*(O`9H
M>^3*V`SV=]+0DARGA..4:)"BN\3S7G$Y;<\D\I8P?.+=28-NI<X`)1Q7B08I
MNEN\"2AN1W(J[PU:3GM52"1)EB'I%=)A!`\UO%_&D89K!ZON#.90=38QCQ@U
M6HB2)$\_\_"#I@<5)/BHI/OE605=HTBQ7WJ$>H\C5_J2K9#L%`I:G^F!YCFW
M$G;%-L>%7:%[*UNP/5G#]1WNE\;[$%LS?.]T`'1&57RF?\7U.2NYE=,32,YG
M*[AFU+*WD@^"5<VE_,@$]$3-SPOTP!0:@_D,R"?&1/N`?]!UU;O_`0``__\#
M`%!+`P04``8`"````"$`97JN[6H$```@$@``&0```'AL+W=O<FMS:&5E=',O
M<VAE970T-2YX;6R46-^/HS80?J_4_P'Q?B$.^4&B)*<#L^U)K515=^TS(4Z"
M%G"$R6;WO^\,#L$V=X:^[`;FFR_^/#/V3+:?WXO<>6.5R'BY<\EDZCJL3/DQ
M*\\[]_NWET^!ZX@Z*8])SDNV<S^8<#_O?_UE>^?5J[@P5CO`4(J=>ZGKZ\;S
M1'IA12(F_,I*L)QX520U/%9G3UPKEAP;IR+W9M/ITBN2K'0EPZ8:P\%/IRQE
ME*>W@I6U)*E8GM2P?G')KJ)E*](Q=$52O=ZNGU)>7('BD.59_=&0NDZ1;KZ>
M2UXEAQQTOY-YDK;<S4./OLC2B@M^JB=`Y\F%]C6OO;4'3/OM,0,%N.U.Q4X[
M]PO9Q&3E>OMMLT'_9.PNE,^.N/#[;U5V_",K&>PVQ`DC<.#\%:%?C_@*G+V>
M]TL3@;\JY\A.R2VO_^;WWUEVOM00[@4H0F&;XP=E(H4=!9K);(%,*<]A`?#7
M*3),#=B1Y+WY?\^.]67G^LO)8C7U"<"=`Q/U2X:4KI/>1,V+?R6(/*@DR>Q!
M`AX/$C*;S((%62R'63RYHD8@3>IDOZWXW8&L@>\4UP1SD&R`N54FU_'4^C.I
MH!%)OB!+PP4J!,3G;1\L@JWW!GN:/C"AQ*Q<YXGQB0Z)6@CN(/+2]D7G8[C$
M+0+#!Y*>NF"W5%T_CE2[?`3KRU_-]*6%?8B!B/H(WX#0/L1`Q'V$0J()]'6!
M&#@?$MLN%)T`I\0@6*P-I1(S5S`+'1$-(N@@(K8A-)VPD/&!1/#.A4U\YEBP
MG.JK#R4F:+)T%1@!B%3K.ECIOE2U!O.Y;HU5*R%^M[&:(*BR\8(0;`HR2B"4
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M"G;-LB%T&!);(;I:[`(4M0.U)WL&/5.-9`Q)VUA@IBY]HR73K5UG]1AY;+ZQ
M[MOEDJX([_OQBF1WH"OJU9X$R:ZYNZ":)4<P>F/$?FBDFI$8)PU.[9VK8I5Z
MY$`NY]6"56<6L3P73LIO.&S/H.-]OI4_!(1D`T,DS(+&>XH_$#0C_M,`\_DU
M.;,_D^J<E<+)V0DHIY,59%\E)WSY4/-K,QH>>`V3>?/Q`K_$,!A/IQ,`GSBO
MVP<<0I^_[>S_`P``__\#`%!+`P04``8`"````"$`?.W.#'(.``#32```&0``
M`'AL+W=O<FMS:&5E=',O<VAE970Q-BYX;6RL7-MN(SD.?5]@_\'P^\2NBR\Q
MD@S:=2_O`HO%[.ZSVW$2H^,XL-W=,W^_5(DL7<A4V9EY:7>.2$HZHB22+M?=
MK[_O7P<_ML?3[O!V/PQNQL/!]FUS>-R]/=\/__-;_LM\.#B=UV^/Z]?#V_9^
M^,?V-/SUX>]_N_MY.'X[O6RWYP%8>#O=#U_.Y_?%:'3:O&SWZ]/-X7W[!BU/
MA^-^?88_C\^CT_MQNWYLE/:OHW`\GH[VZ]W;4%M8'"^Q<7AZVFVVZ6'S?;]]
M.VLCQ^WK^@SC/[WLWD]D;;^YQ-Q^??SV_?V7S6'_#B:^[EYWYS\:H\/!?K.H
MGM\.Q_775YCW[T&\WI#MY@]F?K_;'`^GP]/Y!LR-]$#YG&]'MR.P]'#WN(,9
M*-H'Q^W3_?!+L%C%M\/1PUU#T']WVY\GZ_^#T\OA9W'</?YC][8%MF&=U`I\
M/1R^*='J44&@/&+:>;,"_SH.'K=/Z^^OYW\??I;;W?/+&99[`C-2$UL\_I%N
M3QM@%,S<A!-E:7-XA0'`OX/]3KD&,++^O?G\N7L\O]P/H^G-9#:.`A`??-V>
MSOE.F1P.-M]/Y\/^?UHH0%/:2(A&X!.-A.%-'$YF\\9*AV:$FO!)W=_,@O%M
M-(/>._1BU(-/TK.&W:$(9IOYPB<J!L%-$(^G:KH=>E/4@T_4BR]1FZ$:?%)W
MT4TXGP23O@YA@S8#A4_4G%VF>(N*\(F*T464!N![VA64$^(R!Y>IMEX$_S&J
M'],ZTE[8.'6Z/J\?[HZ'GP,X*4#_]+Y6YTZP".`/<F>],JV#?^3?X-C*RA=E
MYGX(I(/KGF!3_GB(X_AN]`,VT@9EEEPF<"42DE"[1IE-?2#S@=P'"A\H?:#R
M@=H'5A8P`IY:LF"[_15D*3.*+)KFD@##7N@Q0Q*DDOI`Y@.Y#Q0^4/I`Y0.U
M#ZPLP&$&CA/&3`1N+9^*Y#5*"\X_QVLF[LR76B:(X>!I?<N328Q,RP^',@[E
M'"HX5'*HXE#-H94#.7S!;!A?ZA:Y<MLI,[!SH9^6&[[O4*B302/3,LBAC$,Y
MAPH.E1RJ.%1S:.5`#H-`EL-@MZ<IZ88HFMY2(V$$GQ9W4]?[$B-%BBF',@[E
M'"HX5'*HXE#-H94#.;S`?>GP\LD#79EQ"4,DAD^+L)E'F)%J">-0QJ&<0P6'
M2@Y5'*HYM'(@AS"XM`3";E0\='[9;;XM#S!=N!$$!XO@IM/WGS+BTH4([#HB
M(N%0RJ&,0SF'"@Z5'*HX5'-HY4`.-RIIX='!E=PH(RXWB$Q@=[>N!&F,YTI&
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M%8=J!W)I4V&Q35OW?@YT%`UA&\UF29`95,*A%"%GSO'$K&5S%V5<,>=00;:"
MQB>BR(M\2FKO\3^<BAEW38KJ<OSQ$$W-8KJ<J>#X"LXPEK8Y0\AS'C]U4M&Q
M\D3+>5(!RQ!SR.4'(6F:"1<<*B^R57'%VH%<OE0H?`5?&#G;?%$PW;I=$B#D
M4LA/0R-&'INA:A]=K,^"%+7C!6/OUBJIO<?QF.&:%+7C!:'9%RZ18-@A4D7(
MGSOCE"7OQD'(N$>BTCKT/W,CQ/R,,V*&8XWU<<SZ+*A/,XR20Q6':@=R:5,1
MM.U_.K&X,A8,,`ZWW5)#46BY)8-25(S@/&^OU7CB7709F3?SSDG1F"\(BO4)
M-6-'G^Z^F_:*K!C#-4$J=(,*F'4RNU2J@/O/4XEANTTE0A,(/"V6O&@W"8P8
MN5HJ8!EB,9SQK37A1-36G/*"$/"@%%(30L';#;G*BWJK2*HSO*I):JH7(IA-
M36_N4J@0O6LI?CN\PPX7LS_P#XK0`QWIP^E-A"X)LA-``4L%+!.P7,`*`2L%
MK!*P6L!6+N82I<)T3M3U<2&&^S93"+F5A8E?Y`N,&)&<"E@F8+F`%0)6"E@E
M8+6`K5S,(2_T,YE/G9V-%?>Z(<AV,@%+!2P3L%S`"@$K!:P2L%K`5B[F\J2B
M=>YD5]XQ(<;\EHL1U%-QL,1:%Q.PC##PR(Z#$:4^KCH8`>JMO,AR18H?%AZ,
M`%AV*;XN50EYJD*06WR8>)=H8HG1[%(!RQ#KOFQSTK0*$!PJ+[)5<<7:@5R^
MKDM30IZF$&1BDH0@-^R>>+74U!(C"C/$^NC2P^@I0I`M780(IV'LQ^(D`1'F
MQXY>R5+FQFW2TAJEL`@1QA,K!'8I5Z&]?0IT9],A9@+V=F?)04)2'N7>A%-+
MS%#.K.4D9M:T0`A.-U(LN53%H=I1=(E0@?T51&`>8!/!4H-$>8Y*1\S04X0<
MGXHG7DDLDZ1X-,C-%Z2(E0;_8B^I'0;6Y61LW#4IZH0OGIL1NS2J</X*&G7T
M;\=R(4*&LX1#*4)J5.T\8JO\H:LS7#'G4$&V]-:<1C.3S#9F2JY3<:A&"/?<
M]#;\B"(5G5]!$280MJ<A9%.$D+OEIMY,TM"(T<[)"#/6<@X5"(6:I/GMV,P.
M26*#JKB9&B$D:3[_*%<(_5RAYUSB.4%C`?:>QXA?L;+$B)%4P#+$'(<3=B2.
MPW!9D*)]5FFI;EL5C<+8JAU;[KY3`;OM5)\NM,`*^X46@LQ($H(\=KU[*+7$
MB-V,,&,MYU"!$`17*KT/^$%&&4I[!53<2DU6L$QE67'8`W?D[`63*V/AQHJ;
M,Q`T@<UAG5-^D<`2(YI2`<L(LZA#R*KH%`3IDLMTZB5W);=2D8I57R%(%Q%F
M,Q,PN=3])6F$*C5YU3V">NHKEIBA#JV!*F$9RO745T@*HI!VN7A]A:0^KJ^0
M1&<UIR*I[OH*2?765\`'NKWXLOI*8\9S8\Q,[-27Q"PL%;!,P'(!*P2L%+!*
MP&H!6[F8Z[-^GJ%+!%?75R*>@!#DUE?\+9A88N2AJ8!E`I8+6"%@I8!5`E8+
MV,K%7/)4A.[?-->?E1CG6U%-A-#48(F`I0*6"5@N8(6`E0)6"5@M8"L7<WE2
M,?2?YPDC<</)4CU%I<Y*^TKA#W205&?9)$6I&`*2]KR+IUYY(3-2Y*SY1>8+
MHVB;-S>)CAR-%)FO+C)?&T5C/HR\"&]EI,"\NT37)2L13U8(PJR>/>R2H$!W
MJ)>2%'30+@.[=C*2TD_6!..9%VWE*.!5(KP<H"`SG9V5*#4)F_C+ZZFZJ*?Z
MHIY6)-5.R[B?NUHJP;`W5'=*$&$^8N\<#<%BJ)@2HG<O,DI0IV^UT+*)PC)2
MU'X`OPOPLJ,<!?J6AEDNR;*.@[W`L;K(;(U25AEB169IP!_E89%*5:X@'?,?
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MD[*ZK*OZHJY6)$43B\REY:ZEG`*;BM=EM8*89\`(A9`:T<9(!"P5L$S`<@$K
M!*P4L$K`:@%;N9A+E,I*^5ET=:T`RB3,[1'R:@5>Z)B0)H@1H:F`90*6"U@A
M8*6`50)6"]C*Q5SR_I(<..8Y,$'0-W&2"%@J8)F`Y0)6"%@I8)6`U0*V<C&7
M)S\1_=R%Q_-3Y5K]M0*2ZCSK4I3Z\!&+S`C0FN0762Y(\:-'+$HC`)9=YE3&
M9&_/GC@-$RPK/X'Y-!39DV<ED`2E^F(";4M]$VA=&N8(;L*S#&UA:AWX66A^
M45^%-&Y6,RBI+_P"Q'KHP*51I3(VC9]S0,RD;'8UY$5<WA68J/H3N&D?NVC+
M1"X9*L)=TR277@YRD=F";!BS)4'VM1[//GBX'EZ`8+B#(7Z..F7$"U8UU!<5
MH12$4);+^=ES,\;[H3JJ+2GFF-H6QBE!X"U33E8Z^RI(RHGFV!.H*`5?C*F5
M"YACZG="Z)_/[[?'YVVR?7T]#3:'[^I]#S"1A[L6UB^C6,81O(VB\3W6$D-+
M<U6PE@FT-*^.\%MF"_BM'APW/A[,%^K93:GE%EJ:MV'X.N%XH1[%$W2B<*&^
MJ9!:8#90AN<M<!`OU%G+6^`@7:BSDK?`BSJ^B+W`"SR:MUVP$<.`!3M+-2@!
M_Q(OOL"*\HZ7BGD)!]Y%VJ<+^/DHMP-?."_4M\F\91F-%^K+4JDE@!9I>E#W
M7JBJ-M>!DO6B%%N@V@QSEW26$4Q2A[L>C?#PX**&K[!Y/\LPA/E(%,,#:]`B
MD0S/54&+Q&82SJ!%=-=P#BVRNT(_^L$;;]3P2Q5H$?L))M`B<A#`".`K"6FF
ML`HB!SFP4X@M2QBT-.9\OH"?C_(^JOD"?O_)\24XC>0S20`^`S_4XQI)`*.%
M'Y]!RZBE!5XI\[Y^WOYS?7S>O9T&K]LG.(+&3:YTU"^ET7^<\?GUKX<SO$P&
M3G.X#.#E05MXN\98_:SOZ7`XTQ^J@_9U1`__!P``__\#`%!+`P04``8`"```
M`"$`_I#V!TXB``!FS0``&0```'AL+W=O<FMS:&5E=',O<VAE970Q-RYX;6RL
MW5ESV[BR!_#W6W6_@\OOB2U*\E9);HTE[JLH;J\>QTE<D\0IVS-SSK>_#1(@
M`?3?]#+S<C+GQP9$$DV0:E+TA__[SX_O!W_=W#_<WOW\>+AX?WQX<//S^N[S
M[<^O'P_KRGMW=GCP\'CU\_/5][N?-Q\/_WOS</A_G_[W?S[\?7?_Q\.WFYO'
M`^KAY\/'PV^/C[\NCHX>KK_=_+AZ>'_WZ^8G+?ER=__CZI'^[_W7HX=?]S=7
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M(K%A%Y__N[UYN*8]2MV\=]:BI^N[[[0"]+\'/VY%:M`>N?I/_^_?MY\?OWT\
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M4\HIXY1S*CCM.)6<]IPJ3C6GAE/+J3/(2`?Z<F&D@[C>%*>;5\XCHALS3Z2L
MZ-)9RY.5E2=3U)@GG%Q.'B>?4\`IY!1QBCDEG%).&:><4\%IQZGDM.=4<:HY
M-9Q:3IU!1I[05PDC3^:G#1%MIH,4.H>H@=YPVG)R.7F<?$X!IY!3Q"GFE'!*
M.66<<DX%IQVGDM.>4\6IYM1P:CEU!AEC3[4!8^S?.$>(;LRDD&+-$?8UZ12E
M4F?+R>7D<?(Y!9Q"3A&GF%/"*>64<<HY%9QVG$I.>TX5IYI3PZGEU!EDY`E-
M]4:>S,\1(MI,!RGZ',%IR\GEY''R.06<0DX1IYA3PBGEE''*.16<=IQ*3GM.
M%:>:4\.IY=099(R]J`,;@__6PI7HQTR+OFNB%9V=M$N)$^M20@L;YPE@+C`/
MF`\L`!8"BX#%P!)@*;`,6`ZL`+8#5@+;`ZN`U<`:8"VPSC0S@40=3*]\SL\>
MXN:!G2>2]/E#A6FV!>8"\X#YP`)@(;`(6`PL`98"RX#EP`I@.V`EL#VP"E@-
MK`'6`NM,,Y-"5,GTI'CKK#)4VZC.H::&2W$+2220-:N<VK/*%*::;K6FREQ@
M'C`?6``L!!8!BX$EP%)@&;`<6`%L!ZP$M@=6`:N!-<!:8)UI9@*)"AI/H/?B
M]NGCM]OK/R[OZ)1"$P>8;99TWT3>39%U.#U]C-)<'[819;0^I:8O.5M@+C`/
MF`\L`!8"BX#%P!)@*;`,6`ZL`+8#5@+;`ZN`U<`:8"VPSC0S5T313,\5D!-T
MOW=,"EECTY-"TMDXS6S$+6.1$Q-M.;F2G!7--MHESIDY&7E:F)IX?&`!L!!8
M)(V>,YD^U3FV[@+&6LLI;'5Z;JY<HH6IE4N!9<!RT\Q1$;4K?52&4\!KCV!9
M`=,'2])TL&Y$`;T_@,?QVW)R)3DK.MRGP5JPP1HZ$V%J?_A:4V4!L!!8).V4
M)JOQ4\%@39\ZA:WLE4O`!Z3`,F"Y:>9@B0+2/Q\L68::=MRE>`B"1L:AZ[AI
ML^B1,3,'-UJ8VK];:91BBMPQ3!S-?WVBO6C5)3TM0K7RI<T?+<'8\D3U;=7&
M0RU"]1U)>VYPU5YX:KV3L>_AF2UQTSZ5-K_>V=CRJ?7.M0A:;W/<1?%('_=G
MIDY9:]('>"!GI<]%JS,VP%.8VG=;\;2+>=2ZBJ99U^/D2YK?Z0%O&'**7M17
MS!LFG-(7]97QAKFD=?^4G3E`HFKSB@&211Y]@`8ZH_EEG'Y69]:Y8B,>'J*Q
MH*AI>&1?^O''R),-M:/4E_3<\+"^0MY7]**^8MXPX92^J*^,-\PET>-/[/@1
MA957#(^LP^C#HTHSXX[?B`>T:"R,_;<ZLYX*V,HH;<>[JJ%^?G..K6G,4U%.
M/\\MCZWK`5\MGSU?!3C*^JQ01IV<]I^U6ELEX@CW8B5GK*)FMRM14<-V.=87
MPE0MGMVL#$=9FY7+*+E9T\@8AZYX6NX5N=&'TP6GEAN2K$/76IG-%#4>NJHO
M[=#EY$FB?U1#GT<%G$+>,.)1,:>$-TQY5,8I-QJ:>YG&\S5[681;>UG2M+,V
MSD#6$6A=:VQEE'X$<O)47_HW!.?<&D2?-PPXA9)DWED7KA%O$'-*))W.KD_*
M&V:<<DFT/M.Y1=\V<Z1$1>;E<Z5X_M,>J8&LX\&:4S:RH7XJ4WU-0^QR\B11
MKDW'P_")1B*P:_>`]Q5RBB3-]Q7SA@FG]$5]9;QA+FG81G-X1!%$'YXW?5\3
MS][:HS;0TAEWZT9&G>I?"E9GUHV!K>I+'S76EZ?Z&BZMEV?64>JKY71(C]<_
M8`A9QZ%L>'+6G[L6IU;'T8LZCF64MO6):CBL\=H^4:G%LRN<\7YS26J%%]/^
M-`=:5#;T@9Z_YA</,]LC.I!]S6]MR$:V%&'J@-JJWO0QE1^@7?.KELOS?M^?
M\.ER:#-_+`7JPZ:>0TFGPP7)R=):YT@MG]WY,>\XD>3(5;;3,'U1QQGO.%<-
MAS5>:!4!<U1%_>`5HSJ4&XRKC8&LV=4ZR6S$#R<H'8S95?:ECRDC3S;4SI:^
MI.=&D?45\KZB%_45\X8)I_1%?66\82X)S:ZHP.*(\^:+B]D.KZY(TB:7C21K
M:K6N\;>J+WW(ANZUOCS5US!1+1RK%U\MGSU8`AFE=1Q*DC/5"9M9AU69SXN8
M]YNH%9(K?#)=F?>%_E0MGUWAC'><2Y(K?#Y=<IC'H"AHO.(8E/4/_8I_(&MF
M/;>K*2)QZ"`T9U;9FSZDDJ;YSU,MU33E6+O(EP'S^SZ04?3%6,WLH6HXS%.G
M=C4Z4LMG]WW,.TXDJ9G564WG-3FJPV;.KW+&>\[5*@VK["RFBW)S6$6EXA7#
M*@L;^K`.9$ZMY];7W(TS1JF=NI6D39HN)T\27=*+JN@[^B6G65[U>9N`4RA)
M?KMXMUQ:.SKB;6).B22U-NR+.&^2<<HEO?"KA5V&>=NU*Z_..`,Y*QJ:\>IQ
M=6X=-!LM;!HZV9M^/`ZDS82>;$FW->706?O<EP%:!@22M&Y"27)^>L='CJU,
MS'M))#VY,JD,T%8FX]WDDL#*&(>5>%K9.*S>-&A]+^87>DF.^7BB?0VYT<+&
M09.V&G[N+*KP[AA&JSNF`*^JC6&+?B37]J_V?-YU(.F<OGL\W7.HHE9]QTO[
M+!SQCF-)SFIVG9,Q;%AG>P^EO.=,TOPJYRIJ6.7%Z725;68`G0MF,Z"Z^T5#
M"V_RTZ66NJ&[%-U8*2!)^^JQ46&:;8&YP#Q@/K``6`@L`A8#2X"EP#)@.;`"
MV`Y8"6P/K`)6`VN`M<`ZT\QD>5WYB&9'EA22K,G<NOK<J)84-LT+4U-E+HCS
M@/G``F`AL`A8#"P!E@++@.7`"F`[8"6P/;`*6`VL`=8"ZTPS\T14<O2K-7%:
M<9SW]"WRE;^-60XU(?T[LB(KA:SKK8T6IM)E"\P%Y@'S@07`0F`1L!A8`BP%
ME@'+@17`=L!*8'M@%;`:6`.L!=:99J:0J"[I*31?(5O*`I9VP:_(RA/KXFZC
MA4UY(GO3IA\7Q'G`?&`!L!!8!"P&E@!+@67`<F`%L!VP$M@>6`6L!M8`:X%U
MIIEY(BI3K\@36<C2\T35MLSO%]/UTO"`XG(*F_*$FPOB/&`^L`!8""P"%@-+
M@*7`,F`YL`+8#E@);`^L`E8#:X"UP#K3S#RQBW_/S">\T+>4I#T.OP&V!>8"
M\X#YP`)@(;`(6`PL`98"RX#EP`I@.V`EL#VP"E@-K`'6`NM,,Y-"5*WTR6/X
M^OOZJQ19Y--G%4G6%V"[E+^<PJ99A9L+XCQ@/K``6`@L`A8#2X"EP#)@.;`"
MV`Y8"6P/K`)6`VN`M<`ZT\P$$N5"/8&>F56&ZJ)Q-2MI3=]NQ@+$ZMPJ\V^6
M4]B4)]Q<$.<!\X$%P$)@$;`86`(L!98!RX$5P';`2F![8!6P&E@#K`76F6;F
MB:C]Z7GRUHE&UA#UB4:5%>G?,8'6[.E>NMG0?Q>G^6A*(&XNB/.`^<`"8"&P
M"%@,+`&6`LN`Y<`*8#M@);`]L`I8#:P!U@+K3#,22%01C02:GVCZ<+,<ITB_
M?`&V!>8"\X#YP`)@(;`(6`PL`98"RX#EP`I@.V`EL#VP"E@-K`'6`NM,,Y/"
MKMT^DQ2\1DM%]GY6,,X^:_N^X48+&R</8"XP#Y@/+``6`HN`Q<`28"FP#%@.
MK`"V`U8"VP.K@-7`&F`ML,XT,T]$Y?1?./N(7UA917Y)CO%*H_6Q?7-."YL2
M:.A--%7F@C@/F`\L`!8"BX#%P!)@*;`,6`ZL`+8#5@+;`ZN`U<`:8"VPSC0S
M@5`]5_R4Z9757/&K+SN!)!G?D];V`_,;U5*_?`'F`O.`^<`"8"&P"%@,+`&6
M`LN`Y<`*8#M@);`]L`I8#:P!U@+K3#,3Z'757/%+-3M/5$EVNI>_46':)<T6
MF`O,`^8#"X"%P")@,;`$6`HL`Y8#*X#M@)7`]L`J8#6P!E@+K#/-3`I1/?TW
M3DNR"JM]*5H-9)^6[-N,6I@Z!6V!N<`\8#ZP`%@(+`(6`TN`I<`R8#FP`M@.
M6`EL#ZP"5@-K@+7`.M/,!+)KNN);M7CNX;6G)5[L%6^V$#.0=5JR;S)J85,"
M34V5N2#.`^8#"X"%P")@,;`$6`HL`Y8#*X#M@)7`]L`J8#6P!E@+K#/-3"!1
M:=5GH&>^0,G"K#[1J%JM?EKBMA4_S>WS:8IS@7G`?&`!L!!8!"P&E@!+@67`
M<F`%L!VP$M@>6`6L!M8`:X%UIIE)(<JJ>E*\L58G[CO;%S&2K%G%OB6M6AH7
MNU/3:5;AYH&V/K``6`@L`A8#2X"EP#)@.;`"V`Y8"6P/K`)6`VN`M<`ZT\P$
M$F55GD"O?.N&R!$[?22=3!/01H5IM@7F`O.`^<`"8"&P"%@,+`&6`LN`Y<`*
M8#M@);`]L`I8#:P!U@+K3#-R96W7=8?)YI6YTO=BEGLE.6NZ$M9N"]A/-6AA
M:EK9`G/5)YR,M1J/D\\IX!1RBCC%G!).*:>,4\ZIX+3C5'+:<ZHXU9P:3BVG
MSB`S5>QJ[]M2A1>!Z947_4PS/6NY&8F^=8_9PWZQN95ASK%^\W)];-WD=K4P
ME60>,!]8`"P$%@&+@27`4F`9L!Q8`6P'K`2V!U8!JX$UP%I@G6EF0N&R\&OG
M'EX4%G<3^HO=<;+8*#JC+T=S"36TM!/*NAONRMY$V)104U-E/H@+@(7`(F"Q
MM)-I%DRTL&G#U@OKUV*I%J;6+@.6`RN`[8"5P/;2%F>S!W*EFJ[UX5DOK%]'
MU5J8VHH&6`NL,\U,1%Q>?FTB\N+R6A67QS39*'HN$65+VF]J2]VQZ>R^]&28
ME<,+ZY:(KX6I3PB`A<`B8+&TD^GM08DD[1>"Z4BSVY!I'Z!GM;4-N1:FMJ$`
MM@-6`MM+6\P/3J6:KNE+]3B9K+6?#O9/;-9:F%J[!E@+K#/-S%;:=?_\\GXM
M>K$NV209+QM;VZ]7VZB6\SMI.X:9.\FJ8+ECF'[DLS.])\.<]?`F!@JP:JF^
M%J'V=J`Z/Z<KC'&@6.?AV'1XU0`%3+\"[8<RTB)4Y[$T(^'Q'K2^7Z=JM>;W
M8#9^Z%/;G&L1:K4*:73>5;0;PY[:OE*+4*WVTA;6[[RL.;D:FSZUEK46H3IO
MQLYG1Z8=FSZUYIT609V;!XI=WY^OKHEO*O81(<DX>_$7IZF6\^.Y'<,H2\9L
M7"^LKT3N&/;,$:'6C8HP8V_L-XG^V-NP!]_17RXU?Q@<C!&SGQ>.8?K:L\^+
M5!@=<L.O6:U\B66`]H:=1+4Q=O-:>\O%\!OO,6QV1;,Q;';'Y&/8L&,6]@FR
MD`':BN[&-K/[H%1A<A]84]Y>+9Y/EVH,F]V.>@P;ML.:N9IQ\>Q.:\>PV2WK
M5)@:W6EF,X\\^K!_X10E>K%.40,YXO0X)OWJS-KHC;B,I)9F&)OWMS!LO;`.
M$!>&L=X\&4;/P:A9SA];&GO5_HUM,(;I6\4^(.0?$(TMAU_9OG/8T3;LB9-I
MI9*QC?YI:X=]8WC1/LSX2N7C!\QN=2'#M%7;\<Y*K;/^=:_6!N['Y?K6L'U7
M\9[KL>7L:C:\9<NI>[8S\_@0=V-8A9;^!C=EM7@7C/K-\\M?#",N1>UC92!'
MJ\QN9)AN6V`N,`^8#RP`%@*+@,7`$F`IL`Q8#JP`M@-6`ML#JX#5P!I@+;#.
M-#-OQ`T7EC?KUWY1%;U8\^I`5K76GDTV=/4]S*O3E[PM,%<:O718384>)Y]3
MP"GD%'&*.26<4DX9IYQ3P6G'J>2TYU1QJCDUG%I.G4%FJOPK-X'6_":0(KU:
M*Z.,ZS<V!V]E2ZLPP:NU0V]F<8V;KW6GLBP`%@*+@,7`$F`IL`Q8#JP`M@-6
M`ML#JX#5P!I@+;#.-".A3OZ5.T5]+^;<HVBJ=&T4S5\A;V68G5#V]9L6IA+%
M`^8#"X"%P")@L32]6JN%3=>OO%JKA:DUSH#EP`I@.V`EL+VTYZJUJJFXZ!FO
MPGFU5@M36]$`:X%UIIF)*&X7_>.3(%UVVB=!17HBRJCG$E&%C><[5W4V/R=Z
M,LQ*8?N[J*^%J5T9``N!1<!B:7KM2I)>K!W)N$*V?YV1:1^@IX-=K-7"U#84
MP';`2F![:<\5:U53<5FE):OUE;'6PM3:-<!:8)UI9K**NT+_/%GE#:WIN8M+
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MV.R>R<>P8<\L3JW#M)`!VHKNQC:S.Z%487(G.-J;7?M9;Z\"YC.F&L-FMZ0>
MPX8ML;:C&1?/[K9V#)O=MDZ%J0'6G@LPCS[JQCCZWO1LSXGHQ;JX'\BLQ/*"
MK6QIAK$99@O#6.G2A6&L-T^&Z05;U9(N/T6UT7X`(5#+C?HSZSGD/4=C2UFI
MU4:BS[)8!M"UA)IWD[$-S1[CK,$V-X5A;*4R&:9M;JY:RLU]9V]O(0.TE=KQ
M;DK5#=V+Z_>:-6GMQ^7Z=K`5K'C/M6HIO@Z,>T#_ZQ+]OFMXRY93ISH3MPQA
M9^8A(>ZOS5VYJ2+M,R<J>9M.OW0;R*&W2JFAWM"%B3AT=-L"<X%YP'Q@`;`0
M6`0L!I8`2X%EP')@!;`=L!+8'E@%K`;6`&N!=::9R4*S-4B65_\2B&H%;`:5
M)![B';-V;;^S>Z-:4IA*JBTP%Y@'S`<6``N!1<!B8`FP%%@&+`=6`-L!*X'M
M@57`:F`-L!989YJ90.)FC3[;/#.K#/=V]!?YB+=DBY,O_>!1)<`&V!:8"\P#
MY@,+@(7`(F`QL`18"BP#E@,K@.V`E<#VP"I@-;`&6`NL,\U,"G&[Y15)(<*M
MRR])XN%';?*POG=LZ#7=?4L*4[FS!>8"\X#YP`)@(;`(6`PL`98"RX#EP`I@
M.V`EL#VP"E@-K`'6`NM,,_-$W!W1\T1<O;_A=Z@GPUT68U:19)U]K(?O-JJE
M<?:9FJJD<D&<!\P'%@`+@47`8F`)L!18!BP'5@#;`2N![8%5P&I@#;`66&>:
MD4"G]KV=^;-/'VY.-(KTLP^P+3`7F`?,!Q8`"X%%P&)@";`46`8L!U8`VP$K
M@>V!5<!J8`VP%EAGFID4XJ:&/JL\DQ3R'HCV14?\-19Q0K+./E:-::.%J8EB
M"\P%Y@'S@07`0F`1L!A8`BP%E@'+@17`=L!*8'M@%;`:6`.L!=:99N:)J*/K
M>3+4CE[]W4?\-4KK\D61=?:Q:F8;+6Q*(-F;=D9R09P'S`<6``N!1<!B8`FP
M%%@&+`=6`-L!*X'M@57`:F`-L!989YJ90*(XKB?0,Q.-K*7K$XTDX^S#;7O*
MS07F`?.!!<!"8!&P&%@"+`66`<N!%<!VP$I@>V`5L!I8`ZP%UIEF)@6N2+]^
M5N$U:?%W\?IORG2!JGTILI[#WVAATZPR-57F@C@/F`\L`!8"BX#%P!)@*;`,
M6`ZL`+8#5@+;`ZN`U<`:8"VPSC0S@9ZKWU[>T>#3%0J8;9;CWQ6BOX/%3DJ2
MC,F&VU8UU>)<8!XP'U@`+`06`8N!)<!28!FP'%@!;`>L!+8'5@&K@37`6F"=
M:6:NX/+M*Y^K/>7%6TGTD(::+C8J:GI^<LO)Y>2ION@<ILU:UF_=_2E*?6+`
M*>04<8HY)9Q23AFGG%-AD#D>KZN&TE_R90>IJH9J.Y[15C:DPK[:62XG3Y(C
M7E"I[7GK,4-?"U.]!<!"8!&P6!H5C55WB1:FK<G2NM^6:F&J:08L!U:89HZ*
M78Y\TTWB4UZE5*15KCEM)1F#-?2ED2>C'/$RR&FPEM;/1GPM3.VB`%@(+`(6
M2]/6)-'"9M8DU<+4FF3`<F"%:>9@B>J;?E']ML&2-3S]6GN@LVG^VIS*J&G\
MMIQ<2>*;Y#@P[":P)Z/.C.%CST-.46J?!9Q"3A&G6)(Q='(;9U<BY7UEG').
MA4'&J)W9A;@WC5K?BUF?DR2NE\:=OUY:CVAN5$-M(&%#[<_*#P\&JJCYL951
M#KU2L?\M%_\1MQ8Q#JPT[1FY<`P[41U9=S0B+4)U%"L[GB9414^N4:I%J(XR
M:=H:Y6/84VM4:!'4D3GJHDZF'ZO@DE3[6Y=G(MP:WH&,AT'YHV^JH3Z\H.%Z
M:>U-ES?T)(GZX9A0[`$S7T:)O]NLA;$?0/+^0TG&%K'^([46PU]OMB;Y6'VZ
M/N##]LZO=JH:SJ]VIL*F_O-IA;3MM=\F74Q1_?,RXP^RS:RPZVK/9`4OGYT-
M9,RXZZ5][T9&:7_0=XL;LJP`W?,)G7?OJ^Z'OU5M34(!;Q!RBB31W=-^*K%J
MRK%<K#T.F'!*)5%M2G1R9NV9C+?(.162Y)HLM-\SF<-))Q/C('_;U"YZL8[]
M@1SM(:V-.'WV)8YQJMM*LLX`UGYS510=)MIA;1U8GHRBO\"IYD1?-:0OPE-#
M?J"S]0IY7]&+^HIEE#'$0_?T9QW5>J537V*(V0C+?:<?P:R/8NH#;YLYSJ)$
MI$_F;QMG66B:MN12/&]+8VJ^CL-^6'4CH[2G_+:*IKY<2>+Z<1HM^X<=GHQZ
MYD](^V/8\,H'=CP/ZZVM42A;F)MBSY*1BAJ>*G2LJG\L%VMIGXQK,GM62L>P
M887/K._0&>\YEW1.VZ+M,&M&+*:H?E[77K5AIHBH%LVER,L>+3R31:=I7"\5
MT>MEU1&P`;8%Y@+S@/G``F`AL`A8#"P!E@++@.7`"F`[8"6P/;`*6`VL`=8"
MZTPSD\6N33US&<"+4.*Y=7$RH.O5*7G72^MXVFAA*G>VP%Q@'C`?6``L!!8!
MBX$EP%)@&;`<6`%L!ZP$M@=6`:N!-<!:8)UI9IZ\KF8F+JSM"PE5()N^'VQ4
MF%;$W@)S@7G`?&`!L!!8!"P&E@!+@67`<F`%L!VP$M@>6`6L!M8`:X%UI@U)
M<?3P[>;F<7OU>/7IPX^;^Z\WFYOOWQ\.KN_^_$GGK\6QN&P>_>#^YLO'0SIY
M7(B)B`Y^MN2$EO1U2+;DE);T)QM[R>GQA7BZ!/1VNJ`E_<\<6!N'EO07E6S)
MDI;T)SJV9$5+^HQE2VA[J.@/UF!-:TV_!P5+3JC-4`FR>SNA?3#48MD2ZHVN
M_E%O9[2D+Y2Q-N>TI']4VUZRHNT9CC:VA-:-"A7@<U:T;O1G!M`26K?A8H#U
M1NM&+Q%';6C=AL<F[#9+:D-_91*T65(;^K8,EJPH#^AOR*$EE`?#5:'].2O*
M`ZJVHS:4!U3:!4L6U-L"9M6">EO`WA;4V_"TH[T&2^IM"7M;4F_#%Q_6AGH;
MOGK82VC@X+B)E$+;0H,&\XEV/]S[M//AOE_0OE^@?>^='5_X5)'B^Y%J:Q>B
M>L:7)+1$E,/X$JI^78CZ%E_RV^+B-[SG:<5`_"7M7!@O=BV(_VUU\1N>?L11
M!!K07;0+<>.)KRK=YKD0]V'X$KKM0FW0$KK;0&W0D%#UG]J@)53AIC9HN!):
M(FK#?`WH%]47/OUXEB\):8GXP3-?0K](OA"_.>9+=K1$_(B8+ZEHB?@%,%]"
M/^ZE7$5++M=G%^(E0+P-O?"%\AYM#[VY@]8:)4Q"2\2K*7AO%2T1KX7@2^@E
M"M0;2B=Z-0'UAI94M$3\;A_TMEY=B)>)\B7TGM`+\290OH1>U7DA7L;)E]"[
M-R_$VS7Y$GIQYH5X-29?0F^]I/V&EFS7--K#0_K6%$/O@:;/0>-#[U:FWM`2
M>E,P]88.*WK_+O6&EM"[;ZDWM.32.;W8..@HN73.:`G*D$OGG):@#+E<'E]L
MZ!%VOG<NU\>4;V@)O0Z>U@V-Z>62]NCP<SMKOUTN:6Y>PLEY2;,S_>UVL`9+
MFI_ICW*#)0O:!PN\A/;!\&X->PT<VM*AB,66.+0$C=RELZ(E*$,NG34M0=OC
M+E87X5#DM3XGIB4Y7.(NUM0&]1;3DAPNN5R<T):B_>;2$@\N"6A)")?$M"2!
M2S):D@]+CL8->OCTX=?5UYOTZO[K[<^'@^\W7^AJ][A_CN/^]JNHQ`W_Y_'N
M%UT%'Q[\?O?X>/>C_\]O-U>?;^Y%`)55OMS=/:K_0\-\]/?=_1_]%?6G_Q<`
M``#__P,`4$L#!!0`!@`(````(0`YM[?_X!\``%F]```9````>&PO=V]R:W-H
M965T<R]S:&5E=#$X+GAM;*R=67/;QK+'WV_5_0XNOU_;I$@M+L>G)*X``1`;
MUS?%EF-5;,LE*<DYW_[V$#.<Y?\7!"7G)59^T]TSF.Y9T!B`'_[U[^_?7OUY
M<_]P>_?CE]>]-^]>O[KY\>GN\^V/WWYYO:JG_W?^^M7#X_6/S]??[G[<_/+Z
M/S</K__U\7__Y\-?=_>_/WR]N7E\)19^//SR^NOCX\_W;]\^?/IZ\_WZX<W=
MSYL?4O+E[O[[]:/\[_UO;Q]^WM]<?SXH??_VMO_NW>G;[]>W/UXW%M[?=[%Q
M]^7+[:>;\=VG/[[?_'ALC-S??+M^E/8_?+W]^6"L??_4Q=SWZ_O?__CY?Y_N
MOO\4$[_>?KM]_,_!Z.M7WS^]CW[[<7=__>LWN>Y_]P;7GXSMP_^`^>^WG^[O
M'NZ^/+X1<V^;AN(U7[R]>"N6/G[X?"M7H+K]U?W-EU]>7_;>7UZ=]5^__?CA
MT$/KVYN_'IR_7SU\O?MK=G_[.;G]<2/=+8Y2+OCU[NYW)1I]5DB4WX+V].""
M_/[5YYLOUW]\>RSO_IK?W/[V]5'\/91+4E?V_O-_QC</GZ1+Q<R;_E!9^G3W
M31H@_WWU_5;%AG3)];\/__YU^_GQZR^O3WIOAF?O3GHB_NK7FX?'Z:TR^?K5
MIS\>'N^^;QJAGC;5&.EK(Z)AC)Q:(RV*IUI1_M6*9V\&_>'9^:'V%L4SK2C_
M:L7>Q9OSX7!P>GXFK6C1E,@_7+#\:]K:?],_'_:&I^J*6S0OM*;\^[+&]L2K
M32<K]^H.''3JH-[1/_*'4;WHUD<]XQ;UA]8]?W/6>W=Q\DP?]4Y,@^4/6VNG
M_NT-C*[\H77[@V[52O\W_60#J6,\]$PDJ3],B_O=(J)G@DG]\<(6FVCJV7#J
MV,4FFGHVG+J&<-_$D_KC90WNFWA2?VC5CEW<-^&D_C!=W"V*^R:>^C8FNM9J
M8D(-3E-KQZ'>-T'1MX[M6JUQ;-\ZMM<>3V^;F?4P48^O'Z\_?KB_^^N5+'_2
MTP\_K]5BVGNOS)DINIEJCI/V4W.V3-;*RJ4R\\MKN1*9CA]DI?GSX_#D[,/;
M/V5Q^*1EKE"FYTN,C(1:"939<0@F(9B&8!:">0BB$,0A6(0@"4$:@BP$RQ#D
M(2A"4(:@"D$=@E4(UB'8A&`;@ET(]B&X/+K7..;RZ$RU_$LH'>-)AM]_(YZ4
M&15/IL(K`VR`]8/@,1)&91R"20BF(9B%8!Z"*`1Q"!8A2$*0AB`+P3($>0B*
M$)0AJ$)0AV`5@G4(-B'8AF`7@GT(+B^!')T9!H_,Q/^-X%%F9*OH34;G?K1<
M-3*]@<SY=LKR9496YAA3B":(IHAFB.:((D0QH@6B!%&**$.T1)0C*A"5B"I$
M-:(5HC6B#:(MHAVB/:++2\*<``BC4$+BOQ&%RHRLJE*W#3!8$[50:QA:F6,8
M(IH@FB*:(9HCBA#%B!:($D0IH@S1$E&.J$!4(JH0U8A6B-:(-HBVB':(]H@N
M+PF[\IBWDLJ6T@M#?M-L-F!*^A!M)D:N&M(_\0/P(ICCK)11'".:()HBFB&:
M(XH0Q8@6B!)$*:(,T1)1CJA`5"*J$-6(5HC6B#:(MHAVB/:(+B\)<T(@G./D
MYN,%P:6D_>#29"AKNYW=!N^"X+)2Q^!"-$$T131#-$<4(8H1+1`EB%)$&:(E
MHAQ1@:A$5"&J$:T0K1%M$&T1[1#M$5U>$G;E,6_FDMM`+[C^YCVE,N-'G28#
MR4HX41?>15JI8]0AFB":(IHAFB.*$,6(%H@21"FB#-$248ZH0%0BJA#5B%:(
MUH@VB+:(=HCVB"XO";ORF!=UDKSPHJY]O532?G!I(ELQ$S8C1&-$$T131#-$
M<T01HAC1`E&"*$64(5HBRA$5B$I$%:(:T0K1&M$&T1;1#M$>T>4E85<>\R))
MIA<ODO[F_*7,^"&F23!_A8D,*V4"<8QH@FB*:(9HCBA"%"-:($H0I8@R1$M$
M.:("48FH0E0C6B%:(]H@VB+:(=HCNKPD[,IC7M2I!S$D[-ZHQR&/7V\__7YU
M)XN>Y.;(Q'8B*5>=B%56_*@[&!9T>F)G-L+&A$T(FQ(V(VQ.6$183-B"L(2P
ME+",L"5A.6$%825A%6$U82O"UH1M"-L2MB-L3YAD;'4<.$Z7I*T'_>A325]\
M$/#2Z&M2QY+T,%/7E7I(J`+R_(A&B,:()HBF&IWW#T\8^N]Z`_^&8V8%3/US
M1!&B&-$"48(H190A6B+*$14&R1[GN+V5B_2OL312:LS_^5'*3WR!R@J83J@1
MK1"M$6T0;1'M$.T124PVH7!NHT-"TF5^1*J\\3^/R";[[$5D@_I>TDV.AOC=
M.%(/IB5PE9CIQS%A$\WDT;(1FQ[%Y![)>O(D6.AGCIA1G6MVUAH#D:-I*Q@.
M@DB('3%3P:)3!8FCZ580C+?4$3,59)TJ6#J:;@5#WPFY(V8J*#0[;>VBTM&T
M%?1#'U2.F*F@UJS=!RM'TU8`/E@[8J:"3:<*MHZF6T'@@YTC9BK8=ZI`!J0)
M<3=.AX/`"3)(K9Q4X8]2E5MW1RG9G<C3\>/V1*?B[11PI3+D,L[.)1-Z'"MR
M5,8/A)&5,A<Y1C31R!N+C?EA<RA(/56>:2D'S35JCZD(%6-$BTZV$E1,$66=
M;"U1,4=4=+)5HF*%J.YD:X6*:T2;3K:VJ+A#M.]D2P(?@D*"W&5^C*LD_0MB
M7.?TW1AOT+G:RA\/2`R"`Q(C"=O#2&B.PC4'(`!-M)07XXV4G+@Q@V.FI1PT
MU^BY&`=;,=I:=+*5H&***.MD:XF*.:*BDZT2%2M$=2=;*U1<(]ITLK5%Q1VB
M?2=;$N/@2(EQE_DQKIX?O"#&F\<-,F9,Q%VI@YUJHV_W02.-@K`/'L6/K92Q
M-4%;4XW.9)0>AU#_7;#CF1FIY@XAV#K/;:EK(Y"*C%1K3;&1HC4M;&E+38F1
M:JTI-5*R"-LKOPBN/*-2X<W#TDBUUI@;J=8:"RW5/I^4QI;L\VWK0[]5UI:Z
MJ>GU@TU.;<M=*X'G5IWJ6EM;M*Z-+6^I:]NIKAVU%?IN3Z5"W\F(;D;866M7
MRB!OQ'R_.'7ZXUX]QGG!N-=/?=QQKY$[[AL4C/O@T?-8G895&S^[W$TT<N:0
M*:*91OW3P>$6>'`V"$S/C81=$".T$VLD)^!5()R$5A:VO"40$C2<:G1LX""\
MN<PZF5ZBZ9PJ.LX]9`$++>6'0!A0)9JO-.J?JBW[GQ\'YQ?!36MM)&S7KM#.
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MOIIK"5F%6AP6F=JLZ5BC"[U\A1/$HI/A!`VG&O5/=9O[X6R0=3*]1-.Y1M)F
MYV+#":+04L\--.CM2BOV];HS/.L%]]AU)],K+27K@0F!M3%]THR/P2"(FTTG
MRUNTO#.63:/[9\'>?M_)M`P]Z!`9>CIRI=F\Q_VQIQY/NF/OF6R>?IKI#K(&
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M\SNC^$2[]Z:\U;"\R].<('`B\/+*J#[5<G_TJ>>][@KS]T9?\]3833_V&]3W
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M"5L1MB9L0]B6L!UA>\(D1'4<.$Z7@/2@'WXR<+SP:[_]Z2OQ8`^HD>QB[7`>
M#F$5LF(F&L?&FK,!GA`V)6Q&V)RPB+"8L`5A"6$I81EA2\)RP@K"2L(JPFK"
M5H2M"=L0MB5L1]B>,(D\=+!$G@?]R%,/9MUMT3.1USS']?8_&CG'U4;JBQ8J
M0!TV)FQ"V)2P&6%SPB+"8L(6A"6$I81EA"T)RPDK""L)JPBK"5L1MB9L0]B6
ML!UA>\(DS-#!$F8>],-,/1I\09@I\6""TV@HL7S<KPR'P29X)(OQ05/$[`2'
M;$+DIH3-")L3%A$6$[8@+"$L)2PC;$E83EA!6$E815A-V(JP-6$;PK:$[0C;
M$R:1A\Z4R/.@'WGJT9H;>7_SI1KUV9PP),V3//G7"<D@/SLRF@.;U!T3-B%L
M2MB,L#EA$6$Q80O"$L)2PC+"EH3EA!6$E815A-6$K0A;$[8A;$O8CK`]81*2
M-@[,G",AZ4$_)-53*3<DGUESE7@P&6KDK*^C/K(Q81/"IH3-")L3%A$6$[8@
M+"$L)2PC;$E83EA!6$E815A-V(JP-6$;PK:$[0C;$R9AA@Z6,/.@'V;J"8P;
M9FKF.Y&<QPL_L:6^SA7&GT8RI;DS7W!^>V0TO9G/JIK!,B%R4\)FA,T)BPB+
M"5L0EA"6$I81MB0L)ZP@K"2L(JPF;$78FK`-85O"=H3M"9.01&=*2'K0#TGU
M<"0,R=[PA4=7^OJQB]WB71GD38A:S&%C(C<A;$K8C+`Y81%A,6$+PA+"4L(R
MPI:$Y805A)6$5835A*T(6Q.V(6Q+V(ZP/6$2?>A@B3X/>M&GYKY_'GT'*_YR
M;)!]0#E"-$8T031%-$,TUZA_*E?K;#V#EU<B+78AV^.C%+S8%VNIH3UBM=!(
M7GBTBG*$Q'\W)K%29BI/$66(EHAR1`6B$E&%J/:0'P(J*?R/)Z"3)K7L9D$T
MZI_Y*V)PY'SDB)DN&Q,V(6RJF7,J8::1\U1L?M1T'VZ<7(1/>8YB]A!LK)D7
M!\V5]OU3'.'+;(G1M`^M4H-L4&6F3L_8<!B<H5T:36LL-\@:*[BQ\'!,:32M
ML<H@:ZQ^PIC=S_A!I!*Y;A"U[]_%.^'^22/_L,II>-#22ME8:6PYYU<F*#75
M*#BO'83`3$LYQRKFB*).MF)47"!*#+*/0E*#[-29(5H:9!5S@ZQB@:@TR"I6
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M:+3:+8Q48S?HAE*7]CTG],,G`I4QTEI5;:3<#>^3)\5/5&[O!8&G4X%NX&GD
M!AZ@\:$>;^V8:.1=\_`T2#E/47%F%-UN()'7-$*_F30(MJ\1VHV971)YK783
MM)MVLIL9J:?<=CB\MD3SN5%TNP.:71BI)@##[BAUL3,95D:CU6YMI)YJMC_-
MJ13?"Z)-9P3=:#-)PN/*,3II4+!6V0WOH>/&5LHL.1-$4XV<+<X,T5PCI[,B
ME(H1+5`Q0:D448:*2Y3*$16H6"*J4+'VI'PGJJ38"YRH<VBN$TU:S7$BH+&Z
MM_*WFQ.-@BDC2!5,F12D"F9&R@UO,HLTC="SR&E0562,N$=5H*K82+E5P0A=
M&*EFA(95);KXW$V3],,;K=08::TJ,U)/#5H]UX`#<J/8:KXP4JWF2RWEC*+*
M*+::KXT4=)0?IBI[]H(PU<DV-TPU<E<V0.,30!-$4T0S1'-$$:(8T0)1@BA%
ME"%:(LH1%8A*1!6BVD.>QP9>4O/9.]2#N)^]U*CO?79H>!HD^T:.F%D,QH1-
M")MJYDU!,.)G6LI91^:(HDZV8E1<($H0I8@R1$M$.:("48FH0E1[R'>WE\!\
MWMV8J923Y<$*,=(HV`P$F[^QE3+^GR":HOD9HCFB"%&,:($H090BRA`M$>6(
M"D0EH@I1[2'?B3+'OV"6'2CQ8,QJY,RR1LJBL4:!7\.$A)4R?IVBK9E&[9]!
MF1LIO<H$=X*1*6Y?^8U4ZX*V,%*\JD07.Y-):C1:[69&JG4=7J+YW"BVFB^,
M%&]VJ8O=]=UHM-JMC=13S?8#4&R])`"5>!"`&MEH&PT:%$1;D-T?6RD3;1-$
M4XT<[\T0S35R.BM"J1C1`A43E$H19:BX1*D<48&*):(*%6M/RG?BR]*:\A@<
MG`@YS)&1LGX=:^3[]2P8VA,K9?PZ15LS1'.-/"="NV)47*!B@E(IH@P5ERB5
M(RI0L414H6+M2?E.5+G%[AON@4Y%.AMN@ZS'1AK)=LOX8HQ2$ROE/.,]"[)L
M4R9%MFY-NYY;';14,_<%&\RH4TVQD9+)YOA(&V\+C12M*=&ESNR2&H56LYF1
M>FJ2;6X!T7QN%%O-%T:*MKK4I<Y`J8Q"J]G:2#W5:C\@5:;.#<B_]9ZD.A@6
MKA@-DEV1"<J1EG+0&-%$HS.YL3YZO-</HF?*I$B<-HTXEXWST1;F+XRMB^;3
M&6'^PA2[#8*J8BW57M7"V-)5!7ON1!?W_:\`0`*#U06#(K-U.1<?OK&YU%*.
M4W)F'GJML.;5EWR&P:64NOC4^K]B=J'9M;7+F^V';Y@L/82O_.ZR.%Q]R]Z\
MQ]?]P_8#S*=J)-_+<&*Y$7/9F,A-")L2-B-L?F1VKH^.S+8E)FQ!6$)82EAV
M9+;>Y9'9>G/"BB.SNB5AU9%9>_61'71]/ZLTVS^?IG2RSM9YI3Y^I68N>SQ@
MA&B,:()HBFB&:*Y17ST4.$Y*PR',.DW#GCG+I8U=^!-<L*@OM)1\$-VM,9A2
M$RME9NP4489HB2A'5"`J$56(:@_Y4:'2BO\\*G1RTHV*!@6?V`@_`3=2WP"0
MX%%BILO&A$T(FVKF;$IF&LGQ%&-M;C35DX9CL.#Q+B,FG^<PJK&IP+Z&LC!B
M*CE\M`;?*D^TF/.":&J0/8R046-XO,MHVG4@-\@:*[@Q.-YE-*VQRB!KK'["
MF'W:Y061G'_S@ZC]S,]!W+\YUNB9XUU6RKAHC&B":*J1&RD&V;B;(XH,LE-Q
M;)!57"!*#+**J4%6,4.T-,@JY@99Q0)1:9!5K`RRBK6'?">^+$^J7IL.]JL&
MV1:,-/+OA.'@EI4R?IT@FJ+Y&:(YH@A1C&B!*$&4(LH0+1'EB`I$):(*4>TA
MWXERQ^)-Y\^,1"4>C$2-7"<"&JM?DQ3%P*]AGM1*&;].-?)&(IB?:RGGQBW2
MJ/V!2(SF%X@21"FB3".G$4N4RA$5J%@BJE"Q]J1\O\J^XR5^5>*!7S5R_0IH
MK-X55HI6:J*1U_%P<`OU9DP/;H'F6DI_4*\7Y#XCM!LSNW`+M&BWFZ#=M)/=
M++`;;`"7:#?O9+?P[08#J=2ESQW<ZE15;:MR=C#.3:T?>"]+F0XQ96J0#:D1
MHC&BB49>X.'!+52<,442>4U3=>2%)Y4BM!LSNR3R6NTF:#?M9#?34OYWT!RW
M-9DT-)]W,E]8\\W7I/T75TI=[$R&52>[M;7;)=I4NM.]&WEF^6JRH^Y;)4.-
MW&AK4+!6V:UL<W!+*XJ46:LFB*9H?H9HKI'361%*Q8@6B!)$*:),(Z?&)4KE
MB`I4+!%5J%A[4OZ4H3*&+W!BDV#TG*B1ZT1`XR&@B4;!E!'D!:9,"K*1,RX5
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MB')$!:(2486H]I#GQ-.7I08/XOZ-JT&.$Q&--?+]>AK<1TVLE/'K%&W--`J&
M<+CR:RFS'`>G.R)N)%SYF12N_.U5);K8F3G23G8S:Y?OS9M;"C2?=S)?6/.'
M=3CHH5(7N^M[)[NUM<N;[0?@R]*:\K`US)P8Y`9@(^5'VUGP3M%8*[JW%(BF
M:'Z&:*Z1TUD12L6(%H@21"FB3".GQB5*Y8@*5"P15:A8>U*^$U6*L/O*?ZHS
MBL[*;Y#K1,@[CK54X-<@<"=6RLXB8&N&-<XU<KHT0JD8T0)1@BA%E&GDU+A$
MJ1Q1@8HEH@H5:T_*=Z+*+;[`B3H5Z3H1LI,C^=%T-5YEKC:^&&OD3(<3*V5G
M#/G%$3_',652N'7C4K`Z-.W2JT.0)HRXC:`],9,BBX-74W"&)-$VG,Y(.YG-
MM-0SMX!H/N]DOK#FU=H0M+K4I4[85IW,UM:L=?23+Z7*MX;]@/Q;![<.5H(M
M2Y,"=`X$C;24@\:()AH]<W"+29$X;1KAV<(LJ+8E7RM7?A@&6;&H4U4QEPJ&
MQ"*H*O!YHHN?.[C%ZH)!D=FZ>!SHG0WX*6?FH=<*:_[0:\&EE+I8UC,S*57,
M+C2[MG9YL_WYU$N6R@UE&+[FY%;[?9/\?B#L>$P2]>QX`2,C)B>,S$6-"9L0
M-B5L1MB<L(BPF+`%80EA*6$984O"<L(*PDK"*L)JPE:$K0G;$+8E;$?8GK#+
M2P:O?.B'G\K^'9=S";]GPDPG"]WEO$%];XH:G@5ST$A^VTP%J!*SD8=L0N2F
MA,T(FQ,6$183MB`L(2PE+"-L25A.6$%825A%6$W8BK`U81O"MH3M"-L3)I&'
MSKR\\J$?>5[F]OG(P\RMVM6HQ]SJ(,7Q%-?P+'A0,'+$;.195<,F1&Y*V(RP
M.6$183%A"\(2PE+",L*6A.6$%825A%6$U82M"%L3MB%L2]B.L#UA$GGH3(D\
M#_J1I]*V+YCSE'BP-=0HB+S@!F&D?OA2!ZB)LC%A$\*FA,T(FQ,6$183MB`L
M(2PE+"-L25A.6$%825A%6$W8BK`U81O"MH3M"-L3)I&'#I;(\Z`?>5XR7.2>
M66TQ&:X^?$GFO&#O.G+$;.195<,F1&Y*V(RP.6$183%A"\(2PE+",L*6A.6$
M%825A%6$U82M"%L3MB%L2]B.L#UA$GGH3(D\#WJ1=^9E\)^-O(.X/^<9)._T
MF?`9$38F;$+8E+`987/"(L)BPA:$)82EA&6$+0G+"2L(*PFK"*L)6Q&V)FQ#
MV):P'6%[PBXO&;SRH1]F7I[^^3##/+UZ7G.8X"0AYFSJ@B.%(T?,1..8L`EA
M4\)FA,T)BPB+"5L0EA"6$I81MB0L)ZP@K"2L(JPF;$78FK`-85O"=H3M"9/(
MLW%@''QYY4,_\KR'"Q)Y31[EQ5_]5V\<!KL]@]0+>38DSX,'"B-'S+1X3-B$
ML"EA,\+FA$6$Q80M"$L(2PG+"%L2EA-6$%825A%6$[8B;$W8AK`M83O"]H1)
M2)K'0_9-(@E)#S8A^?;AZ\W-X_CZ\?KCA^\W][_=C&Z^?7MX]>GNCQ\2/Z+A
MX%?W-U]^>2VW*^\/]RP2.4<-4W2NB@YI$RBZ4$47:D$.B\[>29',U*RHIXH.
M:4W0ZJNBPWM785'_5(KDUUV(P;YJO/PB!RM2C9=?1F!%JO'RV7I2=#J4(LE:
ML2+5#$DKL")5P@I4\VCK5.-HVU33:,MZJEM[M%O[JN_DQPZQ97*NX;TZM8`E
MH].>E#!7R%-,*6'6+L5]C%\IMS)35X>&D=JO3D3CD,H+G'TY>*^B'=M[)057
MAPU@H'&E/$8=-I1KE_>5T):\5B0EK,'R8HJ4L/I'PZ&4\'K.I80Y4TX+20GS
MIGPHZ/U$/B!#VC8XD1+6-?)9$"EA71`-SM]'\LH=6I/W3M^KMS>QY&H@;:,Z
M5R?2MN8-R*"KY3O:4D+;=B)MD^\&8SWRW4LIH6-@(/Z1[VX1G8'XIWG4%;3@
MJG?^?MR\*0PE%U+"^D!^M?J]^MEUK$=^L59*6!S([SB\C^0;]:@C/]3P7OW<
M`99<G4BKJ8[\'*3$J/PF)%'JJ[B6W_%C12JRY8?6L.CRLJ=&5H\%T%7O1#J"
MUM4;2`FK:M0;2@FK:=0[E1(ZM_7.I(0Y=MKKO<][K/-**9%FLR*Y&#''+F@J
M)3-:$DE)3$L2*4EIR5)*<EI22DE%2U92LJ8E6RG9-25OCP'Y\/'#S^O?;M+K
M^]]N?SR\^G;S1=;>=X>?W+F__4WM#IO_>=2_</SKW>/CW7>YYY6MX\WUYYM[
M)2"/T+[<W3V:_Y$8>/O7W?WOA_7]X_\+````__\#`%!+`P04``8`"````"$`
M^8X`\68)``!)+0``&0```'AL+W=O<FMS:&5E=',O<VAE970Q.2YX;6RLFMMN
MXS@2AN\7V'<P?#^V)9^-)(.V=3YAL9B9O78<)3':M@Q+2;K??HHB*1ZJVNW,
M]DV[\[%8)/\J423%N]^_'0^]]_)2[ZO3?=\9C/J]\K2KGO:GE_O^GW\$ORWZ
MO;K9GIZVA^I4WO>_EW7_]X=__^ONH[I\K5_+LNF!AU-]WW]MFO-J.*QWK^5Q
M6P^J<WF"DN?J<MPV\.?E95B?+^7VJ:UT/`S=T6@V/&[WIS[WL+K<XJ-Z?M[O
M2J_:O1W+4\.=7,K#MH'^UZ_[<RV]'7>WN#MN+U_?SK_MJN,97#SN#_OF>^NT
MWSON5O'+J;IL'P\P[F_.9+N3OML_D/OC?G>IZNJY&8"[(>\H'O-RN!R"IX>[
MISV,@,G>NY3/]_TOSJIPI_WAPUTKT%_[\J/6_M^K7ZN/\+)_RO:G$M2&.+$(
M/%;55V8:/S$$E8>H=M!&X#^7WE/YO'T[-/^M/J)R__+:0+BG,"(VL-73=Z^L
M=Z`HN!GP;NRJ`W0`_NT=]RPU0)'MM_;W8__4O-[WW=%@[HR6XSEX>2SK)M@S
ME_W>[JUNJN/_N)'#.M4Y<863,?2>EX]G@^E\-':@S6L5)Z(B_(J*CJM:O](B
MN&V[#;^RXO)J2S-18:XJ.#>U!`]*VQ+\RI;F`W<Q=::SGPP..M36A%]9\[8F
M'<@"'A26#D+PVW1QNGC"?T15=WI3+!P914>%T;FQPS*.C@JDZPX6T^EDMF!Y
MA",YY'G8IK6W;;8/=Y?JHP=S!?2[/F_9S..LF#N9T-Q%E^(_RG#(2N;E"W-S
MWX=H0_+6\%B^/TP7SMWP'1ZEG;!98QO+8B,M6+(SMYX-?!L$-@AM$-D@MD%B
M@]0&F0UR&Q0:&(*TG;X0Y5^A+W/#])7*K"50@KNFW!MI(:MX-O!M$-@@M$%D
M@]@&B0U2&V0VR&U0:,`0$YZ47R$F<W/?AW^U9+746W,;9P*/A+*R%%8VG<88
M^1@%&(4811C%&"48I1AE&.48%08RE`<9?H7RS`W,--".$A7-$\+HJO3*II,>
M(Q^C`*,0HPBC&*,$HQ2C#*,<H\)`AO0PGQO2TTL-.1$SZU9AJ<N:$W=LBCZV
M<EE9R8H>1CY&`48A1A%&,48)1BE&&48Y1H6!#$%A;6((^@]?><R-J;0@$_C5
MTGMB*:VL.J4Q\C$*,`HQBC"*,4HP2C'*,,HQ*@QD*`WK`4/IZZG+K$U!!8&9
M0$JUP<C#R,<HP"C$*,(HQBC!*,4HPRC'J#"0H1[;,]I+LS$L43^Y-&-N3%D%
ML?)T:N6ILI+B>QCY&`48A1A%&,48)1BE&&48Y1@5!C*4ABV#H?3U/&76IJ""
MZ'F*D8>1CU&`48A1A%&,48)1BE&&48Y182!#/;9_,N3[AQ-JZ\<45B(K56=6
MJFIF7:X2S"=80+"08!'!8H(E!$L)EA$L)UAA,E-XMNFP9PAG.F!;P.9UO_NZ
MKN`]!$9$/H]ADR:V;GSK`HLRJ=V:;6M9BL\4VQ#,(YA/L(!@(<$B@L4$2PB6
M$BPC6$ZPPF2FQFPOHFM,:`D'$YV8?.MBB"G0HM-WP_;^3%^%/(E&4*0M'N9F
MION:F8Q60+"08!'!8LE43Q*!EK.NORE&&48Y1H6!3%W97N,3NHJMB4K(-=M%
M,!&UQ0%&GD#N'.8O3=>%K2MWQLR4KIB%FCMI%Q$LQCU)!)JUIY/MHY=BE&&4
M8U08R-25;21T7?EDW,X)GUPXL.,@ZT4GD:ZYW+ETPGG"RM9\:6O.:YJ:8Q9J
M[I3FV"[&G4NTJEKTER.S)ZEF)EO(")83K#"9&0NV!_E!+#XQ/_.=#(1<]FW-
M3ISMU$?($U;N`M[/*O67UJ&;KYG)!@*"A02+"!8+!KI(=XEFIGH"7R[L,/`Q
ML`[+JIE65;*<8(7)S#"P#<K_'P:QS='#P-$8WI::OM9)TL:1^Z-N4)Y`DWE[
M4NJ.'&N/Z"L#.>A`NM'G,:AI2AC*B@OIV=KG1\I`>HX%8L?KW3"0YT16_%&?
M4V4@/6<".5?[G,N*/^ISH0S`LQE:MGM"H86/(>2:1W]/BVV7'DV!],Y.EY9^
M&T?NU[1H<N1"G#7]K(J^J#AUV\A,K(@'HOAZ$$+9NMY'=V0U%<FFV!KO_<%N
M*KZIJ41:71U5*IL2H[)ZDDDG5U,K%U96FEB^"MD4']5"O<'-C&"[/)01\`F)
M=>'V-;'8*^KIP9'UL%MAW,"2SIJ9/8'&;I<QOD23-D#6,QR(TI^E@NB/<AM)
MMVPY^OY@N8UO<IM('\IM*A'O[=SRF]WD-Y=.E-]"(M[=N8JW&5#(=1S03V]R
MF!=8+.H!Y6BBOQW=,9J]A17_`LL_2@D$2Y!KSSNWFL[X0VB=K@0LV:%#$WVY
MCR;=4%H9?<3/NVB*3\T3JZE8.KG:5"*MKHXJ%59B5([]XLJDEZMMY=+JZK`*
MV18?EC-3B6<DB`M>KB;(']49(O^S-T+KQLP0B69J*;,AF$<PGV`!P4*"102+
M"980+"581K"<8(7)3)'9B8`]K<(W9YA5/[FK<,79@O8D2C2!*:U[HJ9+*X\W
MFIE<87@$\PD6$"PD6$2PF&`)P5*"903+"5:8S)0>GB5#^NLG$"XSM_)8($M?
M^Q1-U@0SI:^J*IE/V`4$"PD6$2PF6$*PE&`9P7*"%28S]67;?#VU?Z*O.';0
M\U<@2U_K[&;C*C.II4<PGV`!P4*"102+"980+"581K"<8(7)3'W95OT3^O*=
MO?ZF=@6R]%4KP/8T9:.9*7U55<E\PBX@6$BPB&`QP1*"I03+")83K#"9J2_,
MP9_1EYE;\X-`^O<+MOID9AKS".83+"!82+"(8#'!$H*E!,L(EA.,71#4QL;%
MY#?^^-6H8WEY*3?EX5#W=M4;N\T'G]T>[CK,KQJNW:F\:VB7.'`+$<Z4(>/L
M$G<$==KC#53";B[2=5PH:=?-J,X82MJ)")5,H*1=MM@ET.GV!-+FLQ5\R"5Z
M/%_!)TJ"+U;P08W@RQ5\*B*X`R.';QFX!$Y#5NS``Y?`:<:*'5C@$CB-6+$#
M!UP"IPG0#E4"5T._D"JR8!&>UDQVBH/HE.9?)N"?E!9B084"SOQA>%03<`8/
M?:)*X#P;ZE#-PZDKE%#MP"DH>*-*X(@0ZE!]AB,[J-.6#+M,@8NLY^U+F6\O
M+_M3W3N4S_!HP/55>)PN_"HL_Z,1"^['JH$KK#")P+5"N+)<PHV^$5LQ/E=5
M(_^`"`Z[2]`/?P,``/__`P!02P,$%``&``@````A`*<I:(QE&```<X(``!D`
M``!X;"]W;W)K<VAE971S+W-H965T,C`N>&ULK)W9<AO)CH;O)V+>0:%[6:SB
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MO[WL#G_G^_LO7U\@W%.X(G-ABT__6>V?[Z!&0>9=/#5*=X=O4`#X[]G#O6D:
M4".W_WPXC^'$]Y]>OGXX'\_>3:]&XPC,SW[?/[^D]T;R_.SNS^>7P\/_]481
M2O4B8Q2!OR@2L\81OPGZP=_`R8\X0M&Z4L-?=+QZ%TU&,U/F(VXS=(._5,[Y
MN^OI=#*[OCKN>86>\->>,+Z>1M.A4T(_ZTH*?^F4T;N3/.?H"7_1$XI]Y.(B
M:#O=J<S_H$<T.>WR(FH&YG_0=SPYK9P1-)W^O-R&)N^NHM%\/%"I$;4;\S]X
MUNL3"TQ-)^*V$T]/:G2F=_3E=5O/))Y>77=M_E@54P.*N`5%TQ.KB9I0Q&T(
M+OO8V:CM1-QX@DW@LN_3W1"QNGVY_?C^Z?#W&8R[$,SG[[=F%(\61H0&A_ZD
M=KAX;;2`8<*H_&9D/IQ#L6$@>(8A[J^/T_G\_>5?,"S=H<V-MHE\BR59F#'(
MR*XD2"1()<@DR"4H)"@EJ"2H)6@D:"582["18"O!S@&7$!X;(^@TOR)&1L;$
MB&KWA@`'+18!(0MR64F02)!*D$F02U!(4$I025!+T$C02K"68"/!5H*=`[R`
M0*?\%0$Q,C"9.ITFNKKV(W#3VT03&,.X:_DV2[:Q<=(HT2C5*-,HUZC0J-2H
MTJC6J-&HU6BMT4:CK48[#WE1A"K]%5$T,C!ZPGEL@&:CD1^B&S0Z&D:VL6'4
M*-$HU2C3*->HT*C4J-*HUJC1J-5HK=%&HZU&.P]Y880IV@MC>%E+$Y6Q[J)%
M=7S3DWCL!U!.36Q%CBN-$HU2C3*-<HT*C4J-*HUJC1J-6HW6&FTTVFJT\Y`7
M'%B,>,'YP>6%D?&CAF0"?YUN)^<OMK)1TRC1*-4HTRC7J-"HU*C2J-:HT:C5
M:*W11J.M1CL/>5&#=5P@:N_,6OWEZ_W='S<'J'-8K02ZVA@6?_V2T(CX,4,"
M@R!%8ZG12J-$HU2C3*-<HT*C4J-*HUJC1J-6H[5&&XVV&NT\Y`4(%NHJ0''T
MQ@`9$3]`/8FGL#MT.M78G\N6Z-=E+/IE.OG!/M3QF_A^"5M1^%,EE;&1*S7U
MI7*V(JE"295LY$K-?*F*K4BJ5E(-&[E25[Y4RU8@Y<4+*D;%"W:%;^M01L2/
M5T_B:^B*3KV+)>22K&`U:ZWBD9C@5FCEQ3X>B=@G9!5W>[QH)`*3]L=AQTV5
MF9&'VZ:4;HY6UV;X^.OC111%XBH*I5R>I%R155_BB_%4"-=*N"&7HT5NT<H6
M>7S%5>H%WR1;O.@'ADW(2M&XV9G[<29T#:L@&\+92&RPEV@67Q^/M%6S04HL
MFG?U+Z;1E`X[827$HT".*/9*&<]%$RK(D\5*0BQ6G296DR>+-818K+5(7IX?
M)[/_EKF0.#S-N?$R;B)>B*YABN5X16)3L#29-/`<C!>J\34FZ!G-L55'HI)3
M,F"?3*.<$,IP^^V&]8(.LTBI484($I;.Q:JPU]JST:@E9"^,FZ(?*[,U_X%8
M]3MZV*S1^'1C<I,F?")6HBZ6:#88*U3C*DNLY]'Z2:D<[)EIE!.B^IE$8I8M
MR()U2HTJ1(-!4Y?3:+&64*A0?M3,9OP'HH9[>#=JB$34N+5T+7AI=N6G]#!4
MXSI+K.=`U)1GAI[.')@3P@J*)V(14I`!%Z#4J$(T&#15ID:+M80"9?)C9G;>
M,F9O7KN8'+P<)!%=PS+7&23%2+9$S\&.UZN-8]NS$^OICL)J8$JI:%SW&2)'
M+#]-K-!BI1:KR&H^Z:9;L8ZLZ3"7J-$B+5DI$3]\T'Y5^-Z\53`W1&3X>B0V
M"W(X6J+G8/CP!#,G?'2"B-:$_G([I4)Q-66$6":G`DQ)9B:JNR`GUBD)L4XE
M=(1(31XLTA!BD5:(7$2OKAG-YOSG>QUN\=V!$]'<[W5B';\T=Z^Z@=,UTYL&
M-(L\-;6Z3ZS9=1?*N9BS4CP^Z6\9FSL_F77Q"R!&AQS-XNM>^2*"P=%O)H46
M+T\3KZP9BH^G8E50:^W&.ATM>(MF7/#IA"<OOP>#$#<%&.:Z'!K<@8=ATR1C
M_GWX#LL7_,=)F1ES>U'V9D3<5I=H%5]QZUD%6((,-HZTIDH#9EF`Y=JU")B5
M`59IUSI@U@18Z[GZ56UV\+;7856_?;#$_`'7VXVYLVJZD[>[GD5B&;!$,_A#
M5;FRGK#=Y%ER)'I0XIB1:ZK5,L?,51-=)G?,2*W0:J5CYJJ)JZH<,U*KM5KC
MF+EJ8J!M'3-0\\-GMN0R?&]?JO0;>U@?46EO(MKKFVY&-[AGD2C:TIK!JMF:
M!09-5/,:0V#0)+-^CS<30U^*9X-E`)4SHP(<5\[)S*8N1G.Q-2VT>$E>Q\4K
M:T8)%_D<0*VU&^MT/.5"9K;@DY@;F]<48B_G`CWY>,ZE,_?W\(2\;(;.N:#9
MT/K&JME@)1;U28EHQ.-_MWE)R<`),"$>(')$0UD7\F2QDA"+5:>)U>3)8@TA
M%FLMTA?HQ\KD-V2W'<Z[&`LQBQ$2NT+1N)=H-A@S/`%?94(GH)VNLWS#F"F?
MC'Q8)B>$,F+X+>@P>Y0:58B&=H/:L]&H)407-GNM7YF$P`_$"O,(SI@:(Q*Q
M$BNL)9H-Q@K5N,H2ZVD62C1HZ^T?E8,],XUR0E0_8YEQ*\B"=4J-*D2#05.7
MTVBQEE"H4'X/,QF!'X@:)A+<J"$241-#US+NS0:CAFI<9XGU'(B:\LS0TYD/
M<T)809$.FI(IR8?+5)U6IEI[-AJUA`)E\F-F$AHR9F]>S,1&14QLB`;R+N@Y
M&,)>S4F5)-83]I#'.AZ6@RLZ0T]'+#]-K$`S)_BE%JO("E,F$WDKB(YSD1JM
MTI*55O$#:/(7,H!OWDS`C085P![)S82XF"5Z#@803\`[OX0\,64R%F-R2F7B
M:LH(L4HN5"ZBN9KG\-2L4VJ=2NCHH"F51JNT0@7N,+XVPYG,APS;V_L=IEG<
MH1.1ERN91:)2EG%O%GO=4V\BT&PH\V+-7LF\X'$W\V)=CB8P<C3C!(;.O&CQ
M\C3QRIJ]FGG1VHUU.EKP%LVXX*]F7F*3%%%-X6<R+YVB&([[S(N;9EFBF<M6
M`998QCTHM8R;7A9@>8`5`58&6!5@=8`U`=9:UI79'S%_2?HEUND71'+$E/?/
MR9/W,"OK"9MQ.Y?-5/K%,:/->*K5,L?,51-#0.Z8D5JAU4K'S%7C<:W;DE2.
M&:G56JUQS%PUD>-H'3-0\\-G$A:JN[SU*9>X3WNXZ1=$XCF76&WK,&$R\/@#
MJ1W/8R36K,]C1%.9?Z&"<M_+K,_1-$9.9C:-,8I%-1=:O"2OX^6NK!GF7R9C
MD2NLM79CG8X6O"4S6_#QB%<=7EL8ORW_TIG[XR(A/_\2B[7($LV&5CE6C?,O
MA.9X8R@6W3`E`R?`A'B$R!'%U^X(H;:9!7FR6$F(Q:K3Q&KR9+&&$(NUA`(7
MZ,?JQ_(O8YU_(21VA[*CHME@S%0N):$3S/$YL5AV2C+@FLDTR@F!#(]U@9BI
M`I3DR?H5HGCN]1WYV%.M/1N-6D*!"_1C9A($<JPU29SC>4[86<G=!"$_9K'<
MT:/98,Q4XB(AS^/UDU(YN&8SC7)"6#^1'-P*,F"94J,*T6#,U-4T6JPE%"B3
M'S.3;+`Q@U6*N9%W0LPP1\'KN1OSKH+9U8N8B<ZP1+/!F*$:5UE"GD,Q4YX9
M%8W%<D+4IB/9:PNR8*=2HPK18-!4H1HMUA(*%<J/FDE3R*B]>3\XQF2'&T1$
MWD9O)E-42_0<#&*O!FV1%GD)><+X?V242ZEH7/D9(D<L/TVLT&*E%JO(:FZ>
M>OWKHUBQUG282]1HD9:LE(@?/I,=D.%[<Q9FC#D&-WP]DGL*L=A:HN=@^/`$
MG#])R'-*"SE>:O7W&JA07$T9(9;)A4PD%E`%N;!*28A5*J&B(H;%9Y%&B[1"
MY,))+/DQ\U(P.%"^O<OI%,PXF(*)5<Q.2\%8-3"W>T-]'Q?-X*,776/7S\RC
M@9N#.4TZMV;]';:+:.1DM;I&4FCQTGH=+7>%9E3NBTDL&F"MM9O3M%MK1@4?
MCWDS[K<%+P=#;>%G<C#C/N'B;C`1N?F698"M`BRQC-M^:AF/%UF`Y9:Q;V$9
M^Y8!5EG&OK5E[-L$6&M9Y^O7M\F>_/QX:53$?JY'8KR4FZ[E&#UY'[-"%$_=
M'9;.P3AF-`6F6BUSS+C7SN2+++EC1FJ%5BL=,U=-C(^58T9JM59K'#-7320'
M6L<,U/SPF1R(#-_;A\X^D^)UD1[)'(RXT.68S&#E[(R)8M)9D=GQ7$9BS?HI
M<"R3Y2D:.+=],NOC;<?DBTRY-</9]6HJ9H%":Y?6Z:AV9<WLS*U&3JQ@[KN-
M=3JJW5HSU)X[J2.O)4Q`QVL)QW>&G;G?8PD-9&#0;&B%8]5X@4J($A311+23
ME"RXGC)"/$#DB(92,.3)8B4A%JM.$ZO)D\4:0BS6$@I=H1\MDVJ0_79X;PAK
M!CG.$O+WANK=(S0;C!J>@"\SH1/0SFG&,W>_+B4#]LDTR@F!C#-2R+1)068L
M5FI4(1K:&FK/1J.64.`"_9B9[,`/Q`R3"CQ'WTP0B9B)WK!$L\&8H1I764*>
M`_MY*@=[9AKEA*A^)C)95)`%ZY0:58@&@Z8NI]%B+:%0H?RHF?3`#T0-LPIN
MU!#Y49/)C>6D-QN,&JIQG27D.10UY9FAIS,OYH2P@J*9R,H69,`%*#6J$`T&
M396IT6(MH4"9_)C]DAR,^?B*6)02&LC!H-E@"'4.ACP'<C!4#J[[#)&;@SE-
MK-!BI1:KR(K2)Z(YU'2<B]1HE9:LM(H?0),?T)WNC2_`3S#+X/;!'HE=A7H+
M"3T'`X@GX,1'0IZ4A8GE3)I2J;BB,D*LDRN=F<BP%^3$.B4AUJF$CNS%-;FP
M2D.(55JA<C&)N#1^X$PJ1`;NS?L)\Y46V?,0^4_#J%0,>@X]#4,GF!]-:22D
M]FHJ!@U@!4#;M.PTZ=R:449#IV*T>&F]CI:[0K,CJ1BMW9RFW5HS*OBKJ9A)
M,!7CW-^G-Y$&=AHZ_](IP^8#1A.J]V6`K0(L";`TP+(`RP.L"+`RP*H`JP.L
M";`VP-8!M@FP;8#M?.9WX%`^Q[R&^,8//$YT1H>0:4%VKS]S]J/==F#IF%%P
M5P&6!%@:8%F`Y0%6!%@98%6`U0'6!%@;8.L`VP38-L!V/O,#:5(&/S\28^+!
MG4(1S9@M)YJM`BP)L#3`L@#+`ZP(L#+`J@"K`ZP)L#;`U@&V";!M@.U\YL7,
MI+=^/F:=BI^:(<2IAJ5&*XT2C5*-,D3C$:SBG9XMLEBY8T8]NPBP,L"J`*L#
MK`FP-L#6`;8)L&V`[7SF1U#F98[/;?#$M%SH$'*F-HU6&B4:I1IEA+@EY(C&
M(]B.V.A-8Y&F*1PSBEX98%6`U0'6()LYRTQ$\,HFG6'M>#J%&XO=Q\8Q(]=M
M@.U\YH?.Y`U^>L"$=;^*J$I(+,F*@[S2*-$HU2C3*$<T'L&\S1%U;I_V]_H<
M,ZJT,L"J`*L#K$$VZS\*;U[+;Q$YB86UXWFD<!O'C`JW#;"=S_R(FJ3"ST<4
M4Q,\W=U,5;9BJ=%*HT2C%%$,[_=P=<QD[\NT9TZ(.U"!R!^(I\YFK0M\Z9A1
MW58!5@=8@\R):$MF_"S)FI`W(ZB";!PS*L@VP'8^\X/\2W(]4YWK030>><M5
M.?(L'3.ZA%6`)70&[O(I(GB0T`V][*:9]LSM":ZZ9P3@=0]Y-\JQH&*5),3#
M:V7-^A<G0$@\%%8[%B34((,7=@FUUNRU$JT="_+:(',:T]::O5:BG6,!0GYC
M,`D9M\</3+^8OW&[=H_&(UC1VJ%S-N9T1[])F;(97<PJP!)DS@6FA#@*&2%N
M&SDBF*](O]"HU(Z5MJHU:A!Y$>POR3GC6CMN$#D7M-56.P_Y$8+>])8(&7.Q
MED7$E;6<]FALOMOG!$TTY95C1I6:('.N)]4HTRC7J-"HU*C2J-:HT:C5:*W1
M1J.M1CL/^0&269N!+J2S,U-$;H`46J&5F/?D\[F)%DN#GE/Y>D>F/7/K">W%
MMA/U!%9AS?K/;5W(EPA*+5U9'W<:5]*U->N?9+P8BP<B&C)PA]:^\N+CR<HU
M>>)KIN:;J/Z7C39HX;3UK74Z6NR=-<-BPR^Q6&V_]<CTT4#KT5FB*2*W]?1(
M=F_Q_L4*/8T9=V^EEJ*9:'AB@,]T,7*-"JO5MQ2QX2VU1Z51;47ZRI4S<$/'
M^;):K;(F*WK+6.V05$ULM<K.JO1EF;"*'V:3[WG#/(OI(7>>1>2&N4<RS**'
MK,QC73`E^&%6:BF:.8T]TRC7J-"HU*C2J-:HT:C5:*W11J.M1CL/>0&:_9),
M4J?BS[Z(G-N,2XU6B.3*5CR8EI`^-X)4BV7:*M=6!:(8;A#UGX06LW^I92HM
M4UL9?)-8WIYOR,#IC5IF3594&OGAEPT:.,USJ]'.RF!IG&=G_'"_+>TTTVDG
M1'+=*T:TI6-&8^PJP!(Z@QM9/*FS[M56.2&V*A`Y"].2K%B^(L2.M79L$+GK
M7NVXUHX;LN(S;C7:>8Y^A$P2Z/01<V;,1<]#Q"58HI4<,7EN[C8K*\>,@I;0
M"5@MU2C3*->HT*C4J-*HUJC1J-5HK=%&HZU&.P_Y`9+)HN,K%[C[H0*DLT)D
MQ;6\0B26'\Y$V\4LT9[I*YYBE9=ISURCPHK!KH^7PO)QNE)[5AK5IXDU9.8.
MG:K.UF2%"QDQ`FWTZ;<:[:S(:Y?GQ_Z7Y)!F.H>$R)LM>RN95I*+6?*$[!/W
M63P!MZ84S<1$*Q>S5#)VS$F?<W:%U>IG4-&N2BU2:9':BL!R\_5VU9"9VQ2P
M8KA$:[*B651,Z1L\[DVBJHYV5N6U(OEMP:1!WC!0]UD3]]%WR']W0P//1$M$
M8G9UON"*`W7O:<PXZ*C&L4OU"3)";)43XF(4&I6$V+$BQ(ZU1@TA=FP)L>-:
MHPTA=MQJM"/4:?D!,LD>-T#];T2]\=DPN.VDQF_,(G$#7**5TW]7B$2/FXBF
MF9`^7V6J4:91KE&!B):VJF/BI?"I*BU26Y'7>D'7!!LR<SNFTE^3%79,,7AM
M].FW&NVLR&LE\L-NLB`_'W9,1#D[T5F/QN:G)'C$4AE?QXSZYBK`$F3.(V&I
M1IE&.:)X#GM9+H=\$:5`LS$^DP9?L+:9F"Z"I9:NK(]WB5*ZMF;XKHC>^_15
M!:M<JH(6?09*O;;2_4N-%\[W(KM2;]#`J;:M]3E:ZITUPU*_ND>"9G:T`1U_
M'`VNN/_%[/[G<!_V3U_VR_VW;\]G=X<_S:]APW,=']];W/]4]\W58M?]@*KD
M$S@`3V&!J#IR#4>Z44\=F<.1;F801V!Z6:Q@P`RHS:[@2.@\\"/BOW4#G="Z
M@1\7[\(K>;S8!>W'BUW7F83];Y/%;\$3WTS@*D)%G2YVX4N`7SL/V$/2?V$R
M^OJBE]-K.!*JPN5T#D="57@SBZ"B0A<.FRPX$KKTY6P"1\+7`D?@-I4N&]RY
M6Q3!(W`K;F%NMFD?N+>V,'?/]!&X60:5%CIR,X4F`7=AM`\\K`,^W?`N0@8/
M@D`)0G4`3V&`3^@(/&H`/J':@?O\X!,Z`G>IP2?4:."V,?B$CL"'M18)?$LJ
M<#UPQ'P!2Q^!#UXMS->L]!'X>-7"?)E*'X&71Q<)O"^IC\"+H`OSEJ<^`B]U
M+LP;F_H(O*"Y,&]?ZB,K.$V(9W"2$"_A%"'>P`E"'+X#OS`?>==GAF^Z+\P'
MV_41^#[[PGQ\71^!;ZTOS(?4X<BE;33/']]_O_VR;VZ?OMP_/I]]VW^&07#4
M+<.>[K^815G_CQ?\O8'?#R\OAP?(:<"'3/:WG_;P>,C(_"C!Y\/AA?YA3O#W
MX>F/[G?'/_Z_`````/__`P!02P,$%``&``@````A`,ENO&#O`@``FP@``!D`
M``!X;"]W;W)K<VAE971S+W-H965T,C$N>&ULE%9=;YLP%'V?M/]@^;U\A9`&
MA53IJFZ3-FF:]O'L@`E6`2/;:=I_OWLQH9!$*7M)PLWQ.??<:_NRNGNI2O+,
ME1:R3JCO>)3P.I69J'<)_?WK\>:6$FU8G;%2UCRAKUS3N_7'#ZN#5$^ZX-P0
M8*AU0@MCFMAU=5KPBFE'-KR&?W*I*F;@4>U<W2C.LG915;J!YT5NQ41-+4.L
MIG#(/!<I?Y#ION*UL22*E\Q`_KH0C3ZR5>D4NHJIIWUSD\JJ`8JM*(5Y;4DI
MJ=+XZZZ6BFU+\/WBARP]<K</9_252)74,C<.T+DVT7//2W?I`M-ZE0EP@&4G
MBN<)W?CQO1]0=[UJ"_1'\(,>_":ZD(?/2F3?1,VAVM`G[,!6RB>$?LTP!(O=
ML]6/;0=^*)+QG.U+\U,>OG"Q*PRT>PZ.T%B<O3YPG4)%@<8)YLB4RA(2@$]2
M"=P:4!'VTGX?1&:*A,X\)PSFBUL?\&3+M7D4R$E)NM=&5G\MRN^X+$O0L<#W
MD25RY@MO-H'$M1FU!A^88>N5D@<"NP8D=<-P#_HQ$%]V!%80NT%P0A>40*X:
MVO"\CL)PY3Y#Z=(.<V\Q\-EC_![A@FBO#&K3E1&,REA;3.7>!H8RP669V?_(
M(!B:,T@^"N<]KU6VF'"`>4.,#`)DND$$0P_&TJ>UM:`)TK"IIDLCN)7NB]M%
MX)ST38S"J*_#R&4TEL*C$>"FOKZ3<-58LXM`7P>:B\N:L`.GVT/P6,I&PO;(
M#W<D7M>#L]!:64`1KEO!56/^+C*V<GO9RG*L>5T*P6,I&SFWXD/:9UXP>%V@
M7396.(;&;I:7W?AX^@<E?$>MNRMF;\>Z)4CH!4-XX`?,V)SH?3^XZL1/%QKY
MF7LG?NPHL#=EQ=6.?^)EJ4DJ]WC-!W#W]=%^!&W:"70:#^.-'4UN_P^,AH;M
M^'>F=J+6I.0Y<'K.`DZ-LL/%/AC90.XP'Z2!F=#^+.`E@,/]YSD`SJ4TQP<<
M7_UKQ?H?````__\#`%!+`P04``8`"````"$`W]@5TN4+``":.0``&0```'AL
M+W=O<FMS:&5E=',O<VAE970R,BYX;6RLFUMSVDP2AN^W:O\#Q7T,$B#;E.VO
M`N@LH4-]NWM-L&Q3,<8%)$[^_?9(T\RA.\3>32X"?M3=ZIEWSD@W?_W8/O>^
M-_O#9O=RVW<NAOU>\[+>W6]>'F_[__H[^'35[QV.JY?[U?/NI;GM_VP._;_N
M_OF/F[?=_NOAJ6F./8CP<KCM/QV/K]/!X+!^:K:KP\7NM7F!*P^[_79UA#_W
MCX/#Z[Y9W;=.V^>!.QQZ@^UJ\]+O(DSW[XFQ>WC8K)O%;OUMV[P<NR#[YGEU
MA/P/3YO7`T;;KM\3;KO:?_WV^FF]V[Y"B"^;Y\WQ9QNTW]NNI_'CRVZ_^O(,
MY?[AC%=KC-W^0<)O-^O][K![.%Y`N$&7*"WS]>!Z`)'N;NXW4`)1[;U]\W#;
M_^Q,:_>R/[B[:2OHWYOF[:!][QV>=F_A?G.?;5X:J&W022CP9;?[*DSC>X'`
M>4"\@U:!<M^[;QY6WYZ/]>XM:C:/3T>0>P(E$@6;WO]<-(<UU"B$N7`G(M)Z
M]PP)P/^][48T#:B1U8_V\VUS?WRZ[8^<B[$[N;QRP+[WI3D<@XV(V>^MOQV.
MN^U_.BM'QNJBN#+*):3?77<]+<H93VB'[?WA4WI.+BZ=X?7H$NY^QN]:^L&G
M]'/>Y^A`%7<E%G7]L62=4VW!EU.Z[M7$F7BBML[DZV`5B2^8\?B\RP@SA2\?
MS11"=Z6$+Z=,WU.QHO%TGO`%$WUGU7KH"E\^FC`TG>ZVJ@U-+MY7M=B&'-6(
M'+9J!UWC;_O28G5<W=WL=V\]&*!`SL/K2@QWSE1$P5[4"7KJ5[_J5M"?1)3/
M(LQM'PH`'>8`8\'W.V_BW`R^0_]=2YL9M;$LYF@A.JL(N["!;X/`!J$-(AO$
M-DALD-H@LT%N@Z4-"AN4-JAL4&M@`/*<-()^\R<T$F&$1EB[,P1*-->4;(X6
MZ+*P@6^#P`:A#2(;Q#9(;)#:(+-!;H.E#0H;E#:H;%!KP!`$1J4_(8@(`[..
MT6DL!6:=C3.&7GWJ6A-+)65STHDBGZ*`HI"BB**8HH2BE**,HIRB)44%125%
M%46U@0P5H4K_A(HB#(R><)^30'3LDT9G950V)QDI\BD**`HIBBB**4HH2BG*
M*,HI6E)44%125%%4&\B0$29K0T9^_8<3E;!NU<(ZGG7$'9D"CJP^IJS0<4&1
M3U%`44A11%%,44)12E%&44[1DJ*"HI*BBJ+:0(8XL!PRQ/D?EQ<BC*F:)&/X
MU+K=V%)-69U4H\BG**`HI"BB**8HH2BE**,HIVA)44%125%%46T@0S58QS&J
M78B-R?%IL_XZVT&=PVJ%Z6HC6/QU2T(1Q-1,$F]T6H+,*5I0Y%,44!12%%$4
M4Y10E%*44913M*2HH*BDJ**H-I`A$"S4#8$8(6!7ADH(:U,)2:Z4$(0L"/$)
M"0@)"8DD&<)BZM131T-K?(V5%?;4A**4HHRB7")5NJ4RTG.P1HM"66$.)445
M1;6!#*%@DVX(U8U_'^Q)(HBIGR1CI1\A"T)\0@)"0D*BCHS$[OVDWV1D;=UB
M985UEU"44I11E'<(-K(8:JF,SN10*"MT+"FJ**H-9.@GSDS^?P';**:"$KDC
MO5J]B;VTU\RP3`N&^0P+&!9*IM5M)-'XLMVVNT/'ZA:Q,L`4$HDFW5F8V*JG
MB-I#NW8&R"1RQQC9ZO2Y--"R64KTRVP*98#9E!)IV52(5#:U1%PVIN1B&ZX?
MB9P?7,7)F-4[)1I9>P+/6IQH9EB4!<-\A@4,"R73:C-"I(;"F*($D>IP*2+E
MF%&4(U*.2T3*L:"H1*0<*T3*L3:0J9'8F7]`(V%N]3^)5`9S,<()JPDLC$XC
MG3>Y-&5;:&8HF\^P@&$A,G77B**8HH2BE**,HIRB)44%125%%46U@4R)Q,;[
M`Q+)?;I:&\Y$]Q%ZJ,J:4[1`9*IFC32^9H6B!0P+D:E[1A)Y,!.<6H5+UB_2
MRKUNQSIG?&DUFX1&3M%'+*OQV)1$SJ35:-A%'GG6.))C&#76+24ZGW.!CEW.
MX_'HRFSJI330%*C0YVS.M;22.8^'VEFPV4C$MEYO)-KZB)Q`OW_K`0F3_MXA
MF&Y1_[FTTM`"'2>P]#Y)XDVL>O$U,XP6,"Q$IK<FDD<LK4;=-/G)L996"8V2
MHHLJ389(+/N_WWURK(/$7%YW]59"<BDPBLQE9*U'2GD=/K#@%;JH7&I$,I>1
M:K&F^N+<X!?J?T!L$<4:W"7R3EG.Q8\[PDJAA40CD:TF]K79"7S-#,L<,"S$
M.ZBJB=!,;TVD@\=H=26'#KN#)S1RBC[Z5$4B9V@E!Z71Q%K:Y=+`:!1=18W.
MYEQ@Y"[G\=@>#TMI8#04&?ELSC5&EH/2T%%-T&P\XOCB%XV'#!V_6<*)4%8+
MZI"UA/.&9MN80W,2GL(,V\:"83[#`H:%DFFU%B%2ZZ*8H@21:GPI(N68490C
M4HY+1,JQH*A$I!PK1,JQ-I"IGSC=T/7[C4;"W-)((I7!W)'(7`QXUHBZT,Q0
M-I]A`<-"9.JN$46Q1+@<&(ZM%!+JDU*4281S__"2=."NP$8')M52V-EHTW&[
M4ROIK2N*:CN;*[7&,:45YR&ZM']H5I?'+*JOS<0OUJ+_J;EG+I%C3N&>-1TN
M-#/5!.0-P!59P-B%R/0F0!*)I96<UM44V-9X0F.DZ*`*DR'J)E)5W6V,7%XU
MQ"=Y%!BCF]*M/$IY51MQ*G10>=2([#Q,V<4QRB]D_\!TWAW&:"/JS)%(S=US
MB:RYVYJZ%YH5"NHS+&!8*)E6,1$BE4>,GG+N'HXMC1+T46TE1:3"9!A&3M3#
M*VNXR*6!(36IE0+#8#;VWK7$6ZML*D0JFQK#8#;7:M0Q!(=L3,'/#^&MN3F$
M(U(SQIRB!44^10%%(2)5W`B1NF-,48)(.::(E&-&48Y(.2X1*<>"HA*1<JP0
M*<?:0*86'SNU<NFI%2)K[K1VTG/-#/O4@F$^PP*&A<A4P2.)SN]>8VD%'V+#
M`X_N67TFH9%3](&5Z&G%3Y?-:"5^RQ*176O0S-%`VTM)=#[G`AV[G,<7SO50
M_Z?Z63<M2W-M#*HPPMD2U&C5E6!TX:F1T6PU]CF:-E._?\AVZ?&:1".QFC_5
MM.=9!9QK9JHQ==&$*S*?L0L8%DHV5N?2D43.!(;+4R9$\QC-0$#9G,RE?D)#
MIX@@X5]'SJ25YV)K4AN:;AI'`Y7T4J+?)%V@F4P:VI,U_9320JN0"M'9K&MI
M);.&%J0BFRW(/N:S6]#?NU<8\]G?BK6?*%UZ_(?(4R/#G&$+AOD,"Q@6,BQB
M6,RPA&$IPS*&Y0Q;,JQ@6,FPBF&UR4S1Q,&/OE+[S<3=G1/I2S+X%:7=CL%O
M+JKM>Y[5M.>:&?;E!<-\A@4,"QD6,2QF6,*PE&$9PW*&+1E6,*QD6,6PVF2F
M7N+DY`-Z"7-KH261I9<UL<VA1Z*L2B_*?,8N8%C(L(AA,<,2AJ4,RQB6,VS)
ML()A)<,JAM4F,_6RSZ9^T[_H^9,K$3PPB$+,&;9@F,^P@&$APR*&Q0Q+&)8R
M+&-8SK`EPPJ&E0RK&%:;S!1'G(_HG4G,6'#"(M]A>/<C[_!N"^EE>/0"ZIU6
M!)XV=;83_AP]X>$U%'?!,)]A`<-"AD4,BQF6,"QE6,:PG&%+AA4,*QE6,4R\
M0=36<E=7G9#=*T'=:PS;9O_8S)OGYT-OO?LF7O>!PZ"[FQ/NWD6:N1-X&:E=
M4)(K'EQIA2!7+O$%)OO*>%JW_=+F<!/V'G`+]@YP@_:HR8[CCN#.[3$7N0*W
MAHD"FHUU!8X^I^*\DKMR!5?:323QN88KUXS/S'6F8K=&H\U<%ZZT1T-6-'C?
MZS/'9_`>&!\)BL+=`0K/E?WS&.)S!9PYD"P\*T"3A9_TX0IW$_C9&*YPMX'?
M`.$*5\7P@Q%<805V/+C"21Q=3>$)-9K9\FH*3XU1'EU/X8DHRI?74WA*B?*9
M,X0[M_M02PYXKF<J'MVA/O",S50\1@-7!B<G>#/N=?78Y*O]X^;ET'MN'J`K
M#=L'U?;=NW7='T>YG/^R.\(K<>W*_@G>@6S@$:#A!:P4'G:[(_XA;G!ZJ_+N
MOP```/__`P!02P,$%``&``@````A`+)9!0K/%0``U'```!D```!X;"]W;W)K
M<VAE971S+W-H965T,C,N>&ULK)U;<QNYCL??MVJ_@\OO8ZM;5ZN2G(K4]WMM
MG=U]=APE<8UMI6QG,O/M#]@DQ`O^DNW,O(PG/P(@&B#9)+K=?O>O/^_OSO[8
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MJTNR].'=YUNZ`A7VL\?=E_?G'Z/UL)B<7WYX-P;H_VYW/Y^<_S][^K;_F3_>
M?FYN'W84;<J3RL"G_?YW)5I^5HB4+X5V-F9@>#S[O/MR_>/N^7_V/XO=[==O
MSY3N.5V1NK#UY[^2W=,-193,7,1S9>EF?T<.T'_/[F_5T*"(7/_Y_CRFCF\_
M/W][?SY=7,R7DVE$XF>?=D_/V:TR>7YV\^/I>7___UHH,J:TD:DQ0C^-D=7%
M+)XO5Z.1$XHSHT@_0>\G%,FWT6WZ:125NR<4%D:!?AJ%JXMH-EF\H+8T:O3S
M=?W0O!H=HY^L$%_$JWDT?ZFK*Z-)/XWF*X,8T:`9^U3_\\9.(\Z_^A_6/1W)
MB(:*[LZ.F5?%,N)AHO[GE7WQ`(GL"(E?&4\U"[2?=I"\-J(\6B([7%[H]E+/
MJW&:)M?/UQ_>/>Y_GM':1W%]^GZM5M)HK<SQ!-5C]3!EC\U8FJK*RD=EYOTY
M#4.:C$^TS/SQ8;%8O;O\@Y:&&R.SD3*1+[%E";4.*+-)"-(09"'(0U"$H`Q!
M%8(Z!$T(VA!T(>A#,#C@DH)_R``-TW\B`\J,R@#';L/`IB0.PLT2K)*$(`U!
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MB08/>:%7M0!WBPI"3,<DCK&2]F-LR,J&6)!$D%203)#<D`GM-0YS:3J9^K>=
MPDKQ7"HEJB2J#;*.-X*T5LUU8>:[T%DI=J&7:/"0EP(Z]'DIT*O1&T>_,N)G
MQI"9S8P@B2"I()DFT_A@)S=$'08/F9E/@[M.8:4X+*5$E42U1G3J8[W&"%D7
M6JMVPH7.2K&I7J+!0UYFU*'Z[Z=FM.+GQJ"8HFK]I^J9/[*VCAA?0`)8RCW8
MD&4&S9;C>3&>1,&HS:T`FR[8C)T3)4NMV$PP_RHKP&9J@^*Q>#6NS0U+'?.F
MM0)LIC,HLM[T+'7,F\$*D!D_E>J$^/J%3I5$@OG$:*[N2H>#^#((R-81XTM)
M`$N9N3G3G<9THSQT$(<K7FX4Y[%.21R<@@IIN&1$(_VXX8H-JUOJ'Q_B.+BR
MVK1[>7V-QRT;UAXO%H''';MG0]$S.NGQP(:UQXNY->SG7AU7WY![)1[,5X/F
M;FH6RV!.;=6*J#1)S.9>LI3E[`5G$N4&Q=&8CV@5]%9(E5*BBJWH&$7+8#-:
M<[L[6XW+UKV6I;0O\VEP/.]DQ[U$`UO1OLR=H>WG2YUHWY`O<P"VV[R-.JN:
M1-@1OUC:\3$N2UM'S.;+JC)+6<X&)),H-XCS%:[FA50I):K8BHY1.,1J;G;3
M93RVWK4LI=,5KQ;^C:63_?82#6Q%NQ+']@[OITN=;]^0+G,<=M-E4#"]`J^W
MJA`LII=D*<O9@&02Y0:9=%V)V64,6R.E-%*Q$1VBJZ4?YYJ;W6P)NRU+F6R%
M.>]DO[U$`ULQV7)N3'ZVU+'8S9:SW11UH=>?OE19*5PT#9K3Z>-PVUDL@QAM
M69/$>,(E@*7,;$(R@]R]*:/9N&B&ZU0AC92L87>7%2-U\/GCPRP8&K5I]FZ$
M^EH=3UHVHCV)XF!SUYEV2AM?=L\JUI6!D78EFMHYX6=5':Z/9/4-231'='=J
M:C2S:*N>9(S3D(XT3EZ#)Q*)(\87F!HVTX\0U5.(C!%-BX,QL.G1?=(",3[^
MF`5WL8*M6,,E(]K#'S=<&2D:?*/A*,A2;=H7UG##AD]ZW+*42=PJO'UW+&`M
M]XQ.NCRPE(Y%M%S9R/MC0IWZ3XV)?^^_TV8%EE6<,W]DB@=V!&P.R$[9+6`)
M8"E@&6"Y85.Z6AX^!9`K`:N`;@U8`W1;(-<!N1ZPP=?UDZ'._VXR3A=:Z-0C
MEE.#Z$C'`=FRF,,2P%+`,L!RP`K`2L`JP&K`&L!:P#K`>L`&G_E!5T?[-P1=
M5P)HV\,!WD0&S6F:'%:1Q3+8_FX=,59-`$L!RP#+`2L`*P&K`*L!:P!K`>L`
MZP$;?.;E@>Z4;\G#*.X?P!C1XR4.\!:P!+`4L`RP'+`"L!*P"K`:L`:P%K`.
ML!ZPP6=^T-79W!W\O_B4@S;(X5+$R'_.L0KNG5M'C).6`)8"E@&6`U8`5@)6
M`58#U@#6`M8!U@,V^,Q/D#IFRP2]L?`;F\.ZLV@Q<A]\`)8`E@*6`98#5@!6
M`E8!5@/6`-8"U@'6`S;XS,^%.D.[N3A]>X[-D=L-ND&V7+EE*8L2B5*),D:G
MGWWDCAC/KP*P$K`*L)J9];=A%'@2G(A:1XP]Z0#K`1M\YF=%G97=K#AGU=>?
M:F)SXG:399![-Q$H844KE4J4&40O33I;!/$X)'?$.$0%8"5@%6"U8<[QL7'$
M[&9%>-(Z8NQ)!U@/V.`S/UDG"@MO2):L(ZC7-.F\^=+#$D>,+RL!+#7,"5QF
MT/&')5:`31=LQDZ6DJ6./9ZHK`";J0VB^SBCAJ6./BRQ`JS3&41[848]2QWS
M9K`"I..G4IVVW7GWPFIH"@+N!.,:`>7.[IM7MH*H"[#J4<=82M"O)X^O)0*6
M,K,S,3-(_3AT(.L&1LH\+(F<HMCH0,%6;/A+@]1V]KCAB@WK:ENT#*ZLEH8;
M1B<];MFP?E@RCX*G,)UI=X9OS^BDQP,;UA[/%D<J27%8-7@A][(Z,%K03T%L
M!!>KH&2S=<1XS":`I<S<W)M.+<J-%&VWQH=7P5:TD$9*B2HVHD,T#2J5-3?;
MP=)((RU+:4^B\#%`)U5ZB0:V8L;7Q$;/GZEA6<&Y0_Z-:FXLRP^,7JCF.F(V
MJ\::4^%-6<ZF,#/(J:'FC'0-=1;&LI!62E:Q-=2*D2[%3:^"*56;=F\-UBX[
MOK1&:F[JN1-G`HUK26<$O)DIS`QLQM0%(V>4^9E5E0=W#78R^X;;J:E?N$NS
M1FY%-S92<W+WL.8M5D&<$D>,<YL:YE9T&=&&ZF`,K,RZ3U/1G8=)*=B*+8^6
MC$Z61RLCQ17=B5B9=<=N19<-G_2X92F3.5$%ZEC`NMPS.NGRP%)<T9W8!Y7>
MF%"O4I\<$Z^KZ(YF_/H*HX6=CUO`$L!2P#+`<L`*P$K`*L!JP!K`6L`ZP'K`
M!I_YR0CK*Z=OE%-91F'D%Q?#!P5;1XRG70)8"E@&6`Y8`5@)6`58#5@#6`M8
M!U@/V.`S/P]A&>6%/,AZ":WRXR[4+2X"E@"6`I8!E@-6`%8"5@%6`]8`U@+6
M`=8#-OC,#WI8+_G%XJ)Z<SUX;,PH*"[:)5$?'1PQ.RN,-5)EE@*Y#+`<L`*P
M$K`*L!JP!K`6L`ZP'K#!9WZ"5#GC;V\?IJ8HXFP?&+G%1<`2P%+`,L!RP`K`
M2L`JP&K`&L!:P#K`>L`&G_FY""LC+ZQ0L@0R-<@>[[<2)1*E$F6,@I)>L-G+
M'3&>2P5@)6`58#4S>PD-H\"3L+CHB+$G'6`]8(//_*RHVL/?GR&F@N'.$(/<
MK91`R52@5*+,H)>*BXX8AZ@`K`2L`JPVS#G*-(Z8W=;+XJ(CQIYT@/6`#3[S
MDQ56)7[I-#25Q0J#7BHN.F)\60E@*?=@<Y\9=+RX:`78=,%F[&0I6>I8.:^R
M`FRF-L@]V++4T>*B%6`SG4%N<9&ECGDS6`$RXZ=2G8G=>??":JB/T.Y#^:E!
M_IO8X4N.6T>,+R4!+&7FYDSWH$IF)XZP1M$4%U>3X*V`0AHN&=$9]+CAB@WK
MXL\J#@M1IMW+ZVL\;EG19'\V"2QW[)^-1<_HI,L#6S8#(I[:5=S/OCI]OR'[
M^K#N9=\@_V7157`EVZD5L]F7+&4Y>\691+E!=%!7Y<5H<15L1PNI4TI4&42G
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MW'KMCPM<8;%O![VNUDME?C%5-:);M#,R)$N,JBN7`I8!E@-6`%8"5@%6`]8`
MU@+6`=8#-OC,3P:JIJC:\%L73EE/41_,4!4PO]QU%3RUV#IB/)T3P%+`,L!R
MP`K`2L`JP&K`&L!:P#K`>L`&G_D)>EN)929++(RH$P[P%K`$L!2P#+`<L`*P
M$K`*L!JP!K`6L`ZP'K#!9W[050G#W<O_8A%8#?V@",PHF!7V*;C9&7(1Q19\
M$T>5$YD"E@&6`U8`5@)6`58#U@#6`M8!U@,V^,Q/T#]2-:'*A4B/0=YDD2QA
M54<N!2P#+`>L`*P$K`*L!JP!K`6L`ZP';/"9GPMU0'<GRPM;;%/C<.J*,X/L
MMG(K4<(H**K:78;9T1EC),:S)'-4F>6`%8"5S*QS%:/`$UL8&#VI'3'NM0&L
M!:SSF1]O==9WX_UK^VI3,7#38)![GQ`HF6GT0N$V=<3XXC/`<L`*P$K#G`-C
MY8C9C;HHW-:.&'O2`-8"UOG,2\/\'ZD=C%;\VH%!L7IWPCE_!">7+8O1#=^1
M"G97B9&BZ3L>)<37,E(KP,')#'*JHCE+':N*%E:`S90&.0?/BJ6.>5-;`3;3
M&.1XT[+4,6\Z*T!F_*R%I8+3BY5Z@2&X@3-RL[,(7_+9LI2=2XE!ITNOJ9$R
MI==E^/&93!K.&;D>B4-EP8;UH7(9>ER:=B]=^NI/>URSHDEJ[!3;QG6P8?]L
M+%I&)UWNV#*77IU///A)534"=T5\(:E*/)AS&JD7AP^3:1'^YOR6DJ(4/2GZ
M`(W_J_&)D7)6JI05=:E@-@UV>YE4R24JV(K.X&P16"FYW998*VFE9BE3\)TN
M`O\;J=-*U!G$!=^I$RP_-^%I_X7<R%/]W)S@_=P$9>JMD7*BGDB4LBV=B*N@
M]I%)C5RB@HV8F11L0$IN=M-@KLK.@)JE3/4H?(FXD?VV$G5LQ52*8EN"]),0
MGO)?2((\S-/+H6+H+\+X;9$4F"!<&#ALT%)6-'D)AF1FFIWDYA(5;$0'PQF0
MXS)4<K.;%^%)S5*<EV"<-;+?5J*.K9B\.-GU\Z).Z^["-1:N%^JCYNB3@(3Y
M>W6J]!RN81IYJ],B+-]O6=$.Q42BU"#STOEO41"%3*KD$A5LA4;_856=A=]7
M+5G*S8NY.NMDS5(Z+[\M9L$8:63_K40=FSGFDI\>6`98CNEY_9O*ZG%>F"J-
MU+M_A\#([X<812^A8#896_:XDQI%*H/J^G$0JHP]LN'-6<5:*1CIAR_QPJXM
M9C[ICKT-@_"E9BO:EU7X;GDC?6E9Q?K2,=*^+(\]@U6/V\1\BN:VM/RJYWFC
ME6!_H$L`ZGF43=B5_3S%&)&M452%\(,42)BQ16N/(Q7<15*VI:^8ROKB7F7,
MV&<`.>NX7H*-H%$T[V0OPHIL:<PX[Y%7;/FDSS5+:9]GXO<1&A:P/K>,3OK<
ML93V>785V2'MS]BP%A&>C5_W;$']ND`X90VBDQ0?3;8LYK`$L!2P#+`<L`*P
M$K`*L!JP!K`6L`ZP'K#!9WXR:'?OS<87=AU*/)AV!JF#P&&N+*Z"E6BKGM0I
M31+CW"2`I8!E@.6`%8"5@%6`U8`U@+6`=8#U@`T^\_)`?ZGE+7D8Q?T\,'*J
MG5O`$L!2P#+`<L`*P$K`*L!JP!K`6L`ZP'K`U-_`&0>>CHL.NOZC-OJO9=SO
M'K_NMKN[NZ>SF_T/]0=KEFH%.V#]UW0VL^5:%5AI[(8M\]5:S3#4<D4M5ZAE
M,>$_SA-:BTB'?OL36(M)1]_(0YV8_M0/;0.13DPMXSTZU)F2-3H8`ITI6:-=
MCVRAORCT$=HB!22_49T#.YLI=0#XQ]GZ(V5+=KR94>P1GU-\$5]0=!&G',(4
M1I1"7;P*PD25U+4J=4J?J+*Y5J5'V4+UO+4JV<D6*M&M515.ME#5;:T*:[*%
M"FEK52N3+9OI:JU>*40M5]2"?-O,)NN$=DA2AUZ8H1:41BKJ4PQ0/U1DIQB@
MELV,<DR/M&4_FYE*)LSFC-))#_R0#B64GC3)%GI%>:W>(98M],HPC3+4LIDN
M*3IH'-#;LNL<MM`+L-0/TFFHI84M/;6H-U&E;YMXL4ZH8H=:R#?Z[5O40MFF
M7]^4+=N8LDV%:-E";]N3URBB]/8[^89:-E.:M?J-M6`N;*9JWL*<3BFG^H6.
M0(<^)K)67_N0OM''/6AU0"WT30O202.$OC%!.JAE$\\I!NAZZ/,*ZQRVT!<3
MJ!^D0Q]!6+>PA;YK0!X@G4U$\X<^"2RO=!/%U`(7PFA*+2@&FVA&+?!*([I2
M^BZC[(<^C4@M:%3EJS5]A%YJM+3L(9Y?K>G3Z$">[DV(;R):5>CKUU*#O@2^
M5A_[EBWT<>^U^GZW;*'O=:_5)[EE"WV"F];IL>7R,-#H;\I]O_ZZ:Z\?O]X^
M/)W=[;[0+7PR'B<?]5^ET_]X-M\;_+1_IK\F1WLG^HM8]-<#=_09R(EZ"_'+
M?O_,_Z"N+P]_C_##?P0```#__P,`4$L#!!0`!@`(````(0!736>*4`8``.\9
M```9````>&PO=V]R:W-H965T<R]S:&5E=#$U+GAM;*R9VV[C-A"&[POT'03=
MKV6=?(+M16R="K1`46S;:T66;2&6:4A*LOOVG1%)B:=ULNG>K->?9H;\9TAJ
MS*P_?ZTOUDO9M!6Y;FQW,K6M\EJ00W4];>R_OR2?%K;5=OGUD%_(M=S8W\K6
M_KS]]9?U*VF>VG-9=A9$N+8;^]QUMY7CM,6YK/-V0F[E%9X<25/G'7QM3DY[
M:\K\T#O5%\>;3F=.G5=7FT98->^)08['JB@C4CS7Y;6C09KRDG<P__9<W5H>
MK2[>$Z[.FZ?GVZ>"U#<(\5A=JNY;']2VZF+UV^E*FOSQ`KJ_ND%>\-C]%RU\
M714-:<FQFT`XATY4U[QTE@Y$VJX/%2C`M%M->=S8#^XJ\Z:VLUWW"?JG*E];
MX?]6>R:O:5,=?J^N)60;ZH05>"3D"4U_.R`"9T?S3OH*_-E8A_*8/U^ZO\AK
M5E:G<P?E#D$1"EL=OD5E6T!&(<S$"S%202XP`?C7JBM<&I"1_&O_^5H=NO/&
M]I:V]5BV75)A*-LJGMN.U/_2ARX+09T]Y@R?S-F?3<+YU'=AK'N./G.$3^;H
MSN\Z!,P!/KG#8N(M0C><O3$43*07")_,TYM/`B^<+]Z:Y(QYPLSXF/<G"7NJ
M'PH^^5#!9!&&P6PQ-^;#H<7H:QOE7;Y=-^35@@T#:6]O.6X_=P71>%%I*88R
M?Z_*4%X,\H!1-C;,&0K9PM)\V09^L'9>8#D5S&:GV[BRQ9Y;X-K!L)$*8A4D
M*DA5D`G``<V#<%A)/T$X1D'A?,H[#L9,>(I*;L%=(A7$*DA4D*H@$X"D$I;]
M3U")438V_"N4-Y1E[:B-&\"^&:P4F_UH,XC74:RC1$>ICC()26F`2?V$-&`4
MV"<PS*!07^;,Z&X>1ILA#SJ*=93H*-51)B$I#W`VB'DP']U\4Z-Q+Y=/<D>)
MY\.GD(&9O!+VHQ5WC'04ZRC14:JC3$*2.CA&WZ\.C65UC$#E^+SW.HIT%.LH
MT5&JHTQ"DA0X2D4I>"P'(/P'CV6,(FMD)("1A0K.E0J.5CP3D8YB'24Z2G64
M24B2C;VB\#:ZOS[16%;'B%A!'44ZBG64Z"C5428A20KT-J(4K*`//=</5A"C
MR!H942JX4"HX6@T5U%&LHT1'J8XR"4FR7="HZG;#"78EW;DJGG8$$@'O9$-I
M?6@<6#N!0639?5Q`,W_<G086&5AL8(F!I0:6R4R6BJV%L%II[_2C4FE_`B\5
M7JB=RQ!LDV&/PF\=I<+<"DHA6"DM5<2L@GG?E'E35^G*XM&`CY^\*W+*'1<\
MLB]/,!L-(+*<..Q6A,09U@*TVL-BH+V-E"&&1.V!OY0GL'>I%7;M]S+$K,03
MT9LJ8F(6*_1ZM4J6DW>-E#(K5YRU-E+&1\+=\+(=FT<Y@]CJ"!G\V-)C_9*X
M]"CR804.*0L";>E1J[<2RV)YP\J.L76"?>T'O;9`27+"'M^/F_(@8]R,(UPT
M+]MP;$CDI&%?]+^3QIHK,6D4!7!H#4GSEFKOZS(K^KN6_KQA"#Y&1WWI4:MP
M1I.F;.!$CYMR)$U(C9LQJY`>#>'X!I&3ANW6G:1](;?OG>?B'L8HRH%.D0>+
M@9\\>[Q.`#.11086&UAB8*F!93*3M6(_IFC]P#O;96V=N$08DM_:@7*.[+DG
MF/&<1`86&UAB8*F!93*3]6-C)NA_XUQF;9PHDW=V8DUU%N$5#"X'H5&+#2PQ
ML-3`,IG)FK!#$S1]L`]S6:,GBN6]G_CF"(+QQ.Y[F3WWE&HZNO(ZQP:[Q,!2
M`\MD)NO'5DW0_T9-T5K9IPP)M=KC*TRI7V1@L8$E!I8:6"8S21/<<DJ:L*8?
M^'74AY'%<A2`P.%(#M07U5XPX_6+#"PVL,3`4@/#JUR:XR6>!50_O9NE]W=U
MV9S*?7FYM%9!GO'>%3RVZP'32^&=.U_A]H`0VI,%/%D8GRSA23^LZN--^1VS
M^@2&,8X"@QC'@"&,([@P`O3<IOF&\*2_6%;'=F?PI#\RE2?0_JZPP]6C0?L*
M/J8G<(W^T+<62JP=.A@B[3Q(B8G[*[B0TD=^"""^46"P@IL;W6$'NHVR074O
MVAEF"M?MM_Q4_I$WI^K:6I?R",MBVO\B:>B%/?W2L9?V(^G@PAVV`%S\PA]6
M2KASG4[@'7PDI.-?8$+.\*>:[7\```#__P,`4$L#!!0`!@`(````(0#/22H%
M7B<``+/;```9````>&PO=V]R:W-H965T<R]S:&5E=#$T+GAM;*R=V7(<-[*&
M[T_$>0>%[B6Q=Y)A^03975NOU=5[W]$2;3$LB0J2'L^\_4ET(;%D_BR)\LS%
M4/[P9Q:6!`H%H*M^^;]_?_G\ZE^W#X]W]U_?OVZ]/7O]ZO;KA_N/=U__>/]Z
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M>MW^^:`YBP-K27^MY<7;;KLW.#]5;<,EJ7.>\DA_7WC)"VM)?[ET/UB?+:J%
M.A!,"-:-_(/9;;D8\NW_HW74X@@P_^`L-S=(BYO>_..%.>76;[V\-5O<G.8?
M]K(_%G(M;L^6;Y8?K9\V-XOYQXNNVN96,?_XL9IMNW[L&_+'BMCF9C3_>%F;
MM+DYS3^LZ0_7#K>G&2RXC,'PU=#'VMROS3]>F&..A+:/A._D^%T]ZIX&\='-
MT\VOOSS<__V*;HW4-H_?;LR-MG5IW/'P7>?<#>C/C><TD!LO5\;-^]=D3T/U
M(]V%_O5K9W#^R[M_T8WC@]5<:TTK5@Q98>X2QNU(@D2"5(),@ER"0H*Q!!,)
MIA+,))A+L)"@E&`I027!2H*U!!L)MA+L)-A+<)#@*,&5:UXS$:#`<=%#W?2_
M$3W&C8D>;O=K!CZ<VB)46,$F(PD2"5(),@ER"0H)QA),))A*,)-@+L%"@E*"
MI025!"L)UA)L)-A*L)-@+\%!@J,$5U<!B4*%QF45*AVZI^!Y(H\KQHIFA-&X
M<A&'PG6M:75I^':C3R_6#+W&!8Q&B4:I1IE&N4:%1F.-)AI--9II--=HH5&I
MT5*C2J.51FN--AIM-=IIM-?HH-%1HZNKB$4!1LVO`LP\B+SP3F;<T,V0KN."
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M(JQYJ#+J.)`LH3L>A\A0HY%&B4:I1IE&N4:%1F.-)AI--9II--=HH5&IT5*C
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M]$^KHNVS5C>>WJ>!@D>Y#+`<L`*P,6`3P*:`S0";`[8`K&1&%>+GFE3>N+A+
ME@T&7"&=6%$%"JZ0%6!KP#:`;0';`;8'[`#8$3!:(;5-3\6B3,=1:=93P[LH
M&,MH_X`',[.;)48SBX)0&[*JWW<A.=*RA)%7I1;UZAU4$[<9.QO0..T>$U33
MY=JR8,LSFGDZR\ZY:-(QRYHO,-$7F+)E\P5FVG*NT>(99Z)'EBPSVU&N4*HZ
MEOH"E48K=M9<]+6VW+!E<]&W+&N^P$Y?8,^6S1<X:,NC1M0#;-P*;[YRXTYA
MUHE?T"GJ965:EN,AX;I5HZA36%74*90LT9:I1;3)R?XSBUKUX8G31"/7LH)E
M9S2+=L'2.1<+T&.6!=XFVMN49<W>9MIRKM'B&6?]>+PM64;ASH5?:F^51BNV
M#`JUUK(-RYH+M659X&VGO>U9UNSMH"V/&E'4VI`1WGP=Q5%KEI_#J*T7:EXX
M736+RW*$M^B<;B-!%`WBIAJR)<FXJ4:6!?T@8=F9'^-3Q\(QOG,N-FDSE@6-
MD%M&RY1\T8)E9[$WL34S9EG@;:*]35D6>[L0"Z$S*PLZZ5P[6SSC3,Q#2I9%
M45^W0E#0BF5QUF2UK5@6%'1M6>!MPS+A353;EF6!MYWVMF=9[$U6V\'*@FH[
M:F?4$VP("F^^WN*>8%;%PY[PG4F-743W(71M3L^<)LMTW_`A?R'7``(91]^(
MF5^,2ACUPV&X?28F(JF3G9]FGYU^6W4`FZTV/6:X;*F;?^X<-5ZO<+*+T_5:
M'1'38Q8T7V["LGZ<*U&\:2`S9S#>B/2930]"8>Y,&@NR<#);<8.>N,.5K&@N
MR=+)J)Z#^A4YK5@V.#M57/>L+VINQ8KFZZV=K/%Z&Y8-6J?K]?RTY73GWW)Z
M\]5V+",W#:7;![)3.PW$"'"P@J"ACH%-@VOJQS:`7<UU?$O%7=CL1[R@"]?;
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MO'&6%'S/U^^69;ZL.XWVC,R!S>>=':PLJ,LC6WK_U!\X0&69X[Y!M]:7]`TC
M%^N/%IW'`ZT?V$^5-S0G@^UXS"/.B)G/=F)1T'BI14%Y,VV8:\-"&XZUX42C
MJ3:<:337A@NM*K5J:5%0QDH;KK3A6AMNM.%6&^XTVFO#@T9';4B!5;<D&FC-
M7LH+!EHC%\%DD8^(H3DA_B,#K;),K&50SRD[XQ&FZQ^F3V&:L:!YC,FUZX(M
MK6MQ(QAS<K/C"<M\!4P96<=OQ+`TL^E!_YBSB?>R8.1*+J9U)0N:,[BTLJ!2
M*V=I1YJ6>&Y9.<%WQM>Z"0/7&V<I!S$[\T6QH6Z,._;BJV//Z+2X34\CHE(/
M-CVHU".;>"_4%S@#-G]M_R00#[-4\I?T#",7/<,B,<R*^!V:GU&H8=8RG_'$
MRH*J3MF2`T3$1\;IS?&1:\\%6[+G^.X[YN1FQQ.6^5),&9'CAAOFS,J"MIRS
MI7>V8&1SV14/^R6G-V=S:65!S5;.L@Z2KII^V/9I]KS6GC?"LW"\=<ET`3^A
MD-M>.Y;YRM@S^MY4I,YY4+-'MO3.J)=P`6T%^*"-.@FY>4DG.<GC3L)(=!*Y
M5!G(W%R$F<]W8E'0E"FK;)"T.L)UQH+FMLRUZX(MK6OA>,S)S8XG+//%F#+Z
M3B^Q,OK#=3)G2^]LP8@KH"ON<R4+FO.YM+*@;BMG64=)2ZVJ.$%C.*^UZXVS
MK%V+N>G6)3<ZWK',5\>>T7.W$9M.?[A2CVSBO=`/$TSD4RA;-ZV^K]6XAYA]
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M@4<V\5XHU#GVN)C/3<K-EDT8^#]UK,#\?MU$>M@?+(J.%73/_`-TO6[(EN&Q
M`F:^/`FC\%@!,]KE-JN^/>$ZX_3F&,E9%K@NF)'KX,E*K:NSK/D*$ROK^$,N
M4[:T>9?K$S.;'G63ND(#+POAI2N&A)+3F_.W9%E0`Q4S^F$^JMR52_].+[%1
M$+C>.%-::/2/K;)RMT[6>(6=E075LG>6==[?B!Y^L.E!Y1ZU%^I"-N^V"KI^
M7(QO'69CZI_WH'I[*^I!%IW'02B&E:&9=9VF)[[SC2SK^D,X"<L&=`_TM:Y.
M*3A9W:FZ_3-1>YE34/4$CL0*6\ZR#F4OD(DUC"*0F3AK]81@S()!X^4F+&N^
MW#20F<N]$94YL^E]7W'SP*2A(`N6#6S%#>1X5#I%8TF6+.O$<2_JI6(9_5S!
ME*1[$>RUGX;6E5,T7F_-LN;K;0+9J:'ZHNJV+&ANJ!W+FB^W#V2GACKW3P&G
MTAVL(&BI8V#3T%+4L6V/L577.VL]=W,T>VQ-77M]_XWN>O`G(G01/E9M7K,B
M[XX6]?T];LBR@(T`2P!+`<L`RP$K`!L#-@%L"M@,L#E@"\!*P):`58"M`%L#
MM@%L"]@.L#U@!\".@%'<18T>WT3,IEL8:<UGVNB6I"+*HBYM6;CQMBL7@X=L
M23*_\N--F25`EP*6`98#5@`V!FP"V!2P&6!SP!:`E8`M`:L`6P&V!FP#V!:P
M'6![P`Z`'0&C((L:,PXRLYOU@B"SFU]^7G'=MD@$F9@B#`,9!]0(L`2P%+`,
ML!RP`K`Q8!/`IH#-`)L#M@"L!&P)6`78"K`U8!O`MH#M`-L#=@#L"!@%F8\#
M:N`XR&C:\I(@,W+QY&B1"#(Q`1J:AQIC&8UDFB5`EP*6`98#5@`V!FP"V!2P
M&6!SP!:`E8`M`:L`6P&V!FP#V!:P'6![P`Z`'0&C((L:,PHRL\CT@B`[R>,@
M8Q2^50"P$6`)8"E@&6`Y8`5@8\`F@$T!FP$V!VP!6`G8$K`*L!5@:\`V@&T!
MVP&V!^P`V!$P>H.3W8<#KQOHF%V'\-[XD^]!.?D1H68W-*(W#G3/Q`/-D"U)
MYFZ:@"6`I8!E@.6`%8"-`9L`-@5L!M@<L`5@)6!+P"K`5H"M`=L`M@5L!]@>
ML`-@1\`H^GP<R)LFK5ZAZ'OAC[M.7D3LV;VK\&T$+`O8"+`$L!2P#+`<L`*P
M,6`3P*:`S0";`[8`K`1L"5@%V`JP-6`;P+:`[0#;`W8`[`@8!5K4Z/&-TVP+
MZ&'NI8%F-Q>")P.S4GY:A72#U]`AO\8Q<LS)$HMHA^6TD$5_Q<B8!@H>&3/`
M<L`*P,:`30";`C8#;`[8`K#2,CI4R,58.EF;"R^FN56@8*L58&O`-H!M`=L!
MM@?L`-@1,(K`.AK:9Z<MCS@":37ROQ"!QHL8ZBSRT3;L6'0>O"B#F9<E%IG<
MADLG8H$S#63<$AE@.6`%8&/+@G"8!+(P)WYY\K3V.0UDG),98'/`%H"5EH6_
M%@ID84Y$G52!C'.R`FP-V`:PK65!G>P"69@342?[0,8Y.0!V!(SBM0X4&*]F
ML3@<,9M7YLS^@PQ,BWS$#5E%K^[@S(XL"_:J$Y;Y`2/5*+.(?G'JG.5:5C`2
M+TD0X\W8>?-]9L*F/A]3C6;.TN=CKF4+1LWY*)TW5Z@E6_IL5!JMG*'/QEK+
M-HR:L[%UWGQU[-C4YV.OT<%9^GP<M8QBSX;'LQF)AT^Y)?&=<-1;#QV+PG"T
M*`I')4NT9<I(O,-`W,$S*VN?^8OF;.I1P4AX$X/.V'GS;3)A4^]MRDAX$WF;
M.6_>=,ZF'BT8"6\B;Z7S%H2MJLGJ&6<B:ROGS.=CS:8>;1@U9VWKO/EJV[&I
M][9G)+R)O!V<-V]Z9%./*+QMZ84[7V]Q>)O5ZW"T_:GC*!V[!NY[WK5%[:B7
MJ7-%PT#F!^;:6S0PUX@FVJQ*^9K1.PRZ9_[0P.G6G;D+^#K*+0N\%=!;1[Y?
M8>R\^2:=:&]3Z$WE;>:\^;S-M;<%]*;R5CIOKHZ6VED%G:FLK9PSG[6U]K:!
MWE36MLZ;K[:=]K:'WE3>#LZ;S]M1>Z.>8*,RBI`P<W%/>-EF34=OUEC4CGN>
M>LM%(.-@'K$W7Z*$T3E=R.TOZK=<.!DMWGJ9/-R3L<Q?(&?4?('"R1HO,&:9
MO\"$4?,%IDY6OS=#G@^<<;KW/&?4['GA9+5G^8J,DM.]YR6C<YJ@^NJ4IW8J
MEEW4/S!O=8(?JM6'05CA?:\9-?O>L.RB?CY_TQ<SQBT+O.L=HV;7>Y99UZTS
M,:D_L,"[/C)J=DV]S78(SO9S9SS,.93HCO.="97=E`AO+35JBWXM#N,-3Q=Z
M_]K(?#^SWGSY$BL+GL529^D,,ZW*-2JTX5BK)AI-M>%,J^8:+;1AJ55+C2IM
MN-*JM48;;;C5JIU&>VUXT*JC1A1:W."F/:)!N_NR?:F3/%[%8.0C8LCHG&92
M;@S0Q\A9YBT3C5)&%^%:AWIC1,8R[RS7J&#4[&S,,N]LHM&44;.S&<N\L[E&
M"T;-SDJ6>6=+C2I&%_71/NK!\8^25BSP;M8:;1A9-_+,[Y;3O9>=1GM&Y,5'
M@VK``\N\LZ-&]($)NR/VK+<XO.4F6?-82<=/Y5J(1?%8V3V38V4@<V,E>_,E
M2C1*G:4?*[4JUZC0AF.MFF@TU88SK9IKM-"&I58M-:JTX4JKUAIMM.%6JW8:
M[;7A0:N.&E&`U3$`?G+3-;L4X:/>=X+);FH$-]Z3!QH^?40,&45C9;<E?AHP
M8IFW3#1*&=$@<CKRVA:_0LE8X-WD&A6,K!O9[\><[KU,-)HR:A[19BSSSN8:
M+1@U.RM9YITM-:H8V7&MU1>SN!4+O)NU1AM&SPZ/-@"\EQV;>+1G].R`5I\>
M9IFW/&I$T6NO^:RW>'@TNQXOB&B[919&-.^;A`]9W98X6S_L>ID?'JTW7Z+$
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MJ\R92K'=;E&;]O2YYPP!&P&6`)8"E@&6`U8`-@9L`M@4L!E@<\`6@)6`+0&K
M`%L!M@9L`]@6L!U@>\`.@!T!H["KX\`V>AQI-#J`2'OYUUF-'[%89Y&YNAN0
MNRW1G89=+^.('`&6`)8"E@&6`U8`-@9L`M@4L!E@<\`6@)6`+0&K`%L!M@9L
M`]@6L!U@>\`.@!T!H^B+&CB./K,-\<\GS78S(WQ4M"@XQ3LTOY@Q(1JP$6`)
M8"E@&6`Y8`5@8\`F@$T!FP$V!VP!6`G8$K`*L!5@:\`V@&T!VP&V!^P`V!$P
M"K2H@>-`,YL2_SS0[(94&&AVMX/>\L>CU["KV<BRX.A>PC):_0O&QS,Q_4T#
M&5\A`RP'K`!L#-@$L*EEP2=[9H$LS+%8T9H',L[Q`K`2L"5@%6`KP-:6!3G>
M!#*?X[9\D-P&,L[Q#K`]8`?`CH!1>-JP`*N]O9?MC)WD\<W6HK9Y/UAPLQ6S
M^6$@XX*.V)N?$286!9\B2]DR.$>9L:7?L\TU*H#E6,LFC*(S2.J+95/GS?6W
MF45!;N=.Y;OJ@B_@<UMJM`26E9:M&#7G=NV\N=QN+`IRNW4JG]L=7\#G=J_1
M`5@>M8R^<&UWLI[-;C1:4M[BT;)Y\^$D%^%H-S9$.(JQ;6@M3=3Z<*Q-@W79
MA"\0G]4)SBR<%@I2]A:<H\S8U`=WSBCV)E^A40!O8\=<=B?/>!,EG6K+&;:4
MI9H[2U^$!9MZ5#)J+M42>*L<<Z5:/>--E&JM+3?84I9JZRQ]$79LZM&>47.I
M#L#;T3%7*NH&-K:$.U^LN!O(/;B?6OCJZ:TYB]KFC7O!8"WNH\-`YGN']>;K
M*.$+1"=LNL'2@NT=M65XRCBSIL%J</Z,-[&I7W#>@KXVUMXFT%MXJN^4MZGS
MYMIJ!BU5J>;.TE?(PK*@5.4SWD2IEL!;I;VMH#=5JK7SYDJU@9:J5%MGZ4NU
MLRPHU?X9;Z)4!^#MJ+U1[["Q%0526*RX=YCMD7!*_9V;A-U-\;>XZUZ-VO0V
M/K.\?]YY>T';H^Y_`[FQ%^A]?[!N?44E5A9,M5-&7I4Q\O?77*."D3<<,_*&
M$XMH=.%\35GE#6>,O.&<D5<M&'E5J=&2D3>L&'G#E49K1MYPP\@;;AEYU8Z1
M5^TU.C#RAD=&WI`BS;;:B<519?8DPJCZN3'7[FR$P5:CMGEO73#FBB7I8<_+
MN"U'ED4S$BNC;ZN:T!4C=ZHM,G9LOL;JKJ\6S?-`!D]5%-KUV-F$MQ/E>N)D
M]JBJZ%Y33O>_NIHQLL64]Y2Y30]J9N%,&C-3.EF=F9;<T5AJUY6S:72]<C);
M3O$,M.9T7\X-(UM.N>2_M>E!.7?.I#$S>R>K,]/NB%H_:-='9]/HFGI1'(3!
MZ_KB+F4V'?YYEZJW+L)7,/;L;H9Y8YP+Z:X\7#T,9+Y+U:;!S2QAV7-=2EED
MSJ*QGG(GLZ$F=_P**P@R,W8VC:XG3F9#333NE#W[<6@F3'274N5<.)/&S)1.
M9LNINY1R73F;1M<K)[/E5%W*>O;EW`@3W:549G;.I#$S>R>K,P.ZE')]=#:-
MKJE+U:9M&X3/=JGO[<]=WU.'H)$>S(G,9.<TZ[WJZ>TY1OX0QU"CD4:)1?2<
MSWTLU:I,HUP;%EHUUFBB#:<:S32::U\+C4IMN-2J2J.5-EQKM-%HJWWM--IK
MPX-6'36BV*J;NVZB>(0V.R3A"`W")GAC9L]NJ/C>=FU1FUZB:*?2YP/_5'L*
MMV&@X1@9L2L_.4LT2C7*-,HU*C0::S31:*K13*.Y1@N-2HV6&E4:K31::[31
M:*O13J.]1@>-CAI1)-D``--GLP7R@DBR.R9A)-6H;=Z4Z&_J+35/]C(?3-:;
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M]A<6!=DOA1/YS8^E]E)I+ROAY4U+9&;-`I_]#2.N?K'BMK7I0?YW%@7YWTLO
M\G?`!^WFJ-U0;,?!\";X+%(4VWWJ(_\\MD]>XMT>BVAT#^\9;3&<#`.9BVW+
M@C.1"<OH4ZNG>T97])%4VV3.)CQKI.\93F;/4:HCB87V/79&C;XG3F:_JR"/
M)$ZM('@G^TS8R)\RS&UZ4#L+9]*8F]+)ZMRH4XQ+[;IR-HVN5TYF"RH?8==6
M$!1T(VS:/1$;6RL(2KIS-HW9V3N9;=/S<^'[H'T?G5&C[ZLKI[-E#78)XZYE
M-I::;AL_=F"3JDR>HK,H.K`)V`BP!+`4L`RP'+`"L#%@$\"F@,T`FP.V`*P$
M;`E8!=@*L#5@&\"V@.T`VP-V`.P(&(5='0?HP&:?5C!`I+WXP.;)CQC&C6M"
MYJ"*G_K+E9LA6Y+,#^/>E%D"="E@&6`Y8`5@8\`F@$T!FP$V!VP!6`G8$K`*
ML!5@:\`V@&T!VP&V!^P`V!$PBKZH,>-QSFS<A.-<\TH%';54XQEOV/G9[)!E
M](,4CIX18`E@*6`98#E@!6!CP":`30&;`38';`%8"=@2L`JP%6!KP#:`;0';
M`;8'[`#8$3"*J*C1XX@RFQAA1-4/7"\?S^K-D/"1BSX5@\8S\<0Z#&0^^KPI
MLP3H4L`RP'+`"L#&@$T`FP(V`VP.V`*P$K`E8!5@*\#6@&T`VP*V`VP/V`&P
M(V`4?5%CQM%GUOO#Z/O.>%9O#T1!9E$P=@WI96AUX(7CF68)T*6`98#E@!6`
MC0&;`#8%;`;8'+`%8"5@2\`JP%:`K0';`+8%;`?8'K`#8$?`***BQHPCBIXH
M7A)11BZF81:9XSC!-$PL2PSIF//)DF0\1(T`2P!+`<L`RP$K`!L#-@%L"M@,
ML#E@"\!*P):`58"M`%L#M@%L"]@.L#U@!\".@%&010T<!YG<,/K9FZ;>2>I;
M)!X"Q'+V,)#YZ/.FS!*@2P'+`,L!*P`;`S8!;`K8#+`Y8`O`2L"6@%6`K0!;
M`[8!;`O8#K`]8`?`CH!1]$6-&4>?64M_P4VS7GJ/;IH613=-S49]S1+`4L`R
MP'+`"L#&@$T`FP(V`VP.V`*P$K`E8!5@*\#6@&T`VP*V`VP/V`&P(V`445%C
MQA%E5K##B/K9\:Q>"8]"S2(QGHG?BP_[7L9CUPBP!+`4L`RP'+`"L#%@$\"F
M@,T`FP.V`*P$;`E8!=@*L#5@&\"V@.T`VP-V`.P(&$5?U,!1]`W^*_LB)R_Q
M3(Y1.,P!-@(L`2P%+`,L!ZP`;`S8!+`I8#/`YH`M`"L!6P)6`;8";`W8!K`M
M8#O`]H`=`#L"=G45PSC0Y"Y!\]/F0.\&,/+G=88:C1B9TVSN"8(^'1._F#%A
MF7>6:I0QHE]Z-#C+6>:=%1:9P]XN%YWG=E#,E[?!+>"%W]XY>1&=L%[-I!]]
M!MF@%X?$E3&TED;F;@".^:W?Q+)`EC(*:[LK3[IDSIG_E4#.EOZ:!:/(6?!.
MS3B@S+I:>-_\3D#99;C@N`]]D+M^BHRN%^P@UV?'`IFOG=HT.OT+@LRJZ&'&
M!8':F$VM?WJ6-5N^O8$X^9'9].9KY:QJO%8AKG7N(R&N6[-J](*ZM8M,8=U:
M9`[^N;)WY9NCAN:3X&8)@&2^;FO67-Z$+?TR4VH1_:#25&17OHXMX_2PN56C
MY=IQP8;6<==OLL:U1HY?4FM&+OJK1:+6Q.`UI,^3ZUJKV?=JS5J&M68-^42Q
M6&O)[,6:'>><)>^X8$/KN.=+$=>:>=0/8^VG3AT-C!=1F1:9$X-!"/K&L]W;
MRWP(UJRYS(F]9C0<UH;TZP03@IV.?`579FV:/>?:<V$1>^X&)_GCZC3/KO^\
M.NT3<-BC+3*GR5QUJM<)#`=>YJNS9N:=F=Y2WY*MBKI_H)*GNZQ_>IO4J9/W
MY&F*C`6-%\M9U7BQ@E7V8H/@SAE7NGF\:ZKT'SL",;!/B6&M1P^.-F(U&[%I
M,-U.`$L!RP#+`2L`&P,V`6P*V`RP.6`+P$K`EH!5@*T`6P.V`6P+V`ZP/6`'
MP(Z`T30Z:N`XTLRCG(ZT%V\9#NPC81AJ_BG1=\!N1W3`(5N&1R``2P!+`<L`
MRP$K`!L#-@%L"M@,L#E@"\!*P):`58"M`%L#M@%L"]@.L#U@!\".@%'T^3B@
M$;R.OG>/GVYOGT8W3S>__O+E]N&/V^'MY\^/KS[<__65QFIZ[62`7SW<_O[^
M]77__/*T[D4^G`4G79BDTQ$:F30XHR1ZC`16`^.0N@9*,@XIWR"IVZ<D>@T;
M2AJ8I`%,,M>B=RH!JWZ+DNB0$DIJFZ33`XTL5[]CDDZ]32:92\$KF4+!,K5-
MF>CG+B`+;5,F^OT"2C(7HF.J*,E<BKZJ#I(&@TMS3]<I5U0/L*BF?F#UF-J!
M%J9N4-5<=2^?:U6R.$TU967V*.'T[2:98*H,UIBI,%0^>OB_-`^NNN37@S;5
M"4[I4`HJRO6@2RDPRX,>I<`\#_J4`C/=(QM:X0!YZU%[T8P7I9Q3"FS^W@6E
MP-;OGUV:H\O:&ZVS7(YP'?2IU<RY`VUTW3?-0QO(*.G40+"P?=-$M">CK>CM
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M/DEZ:;Y@IU/HDZ.7YFMT.N6Z355:OX)*5,]UFWH#O:4'V5"5TKLD4`K%/#W;
MZA3ZF#=5*6H@^M*UJ3B4=-TQLX$."N#KCKG-=&`W[I@;3?U4+LO4HC"I=\A4
M"I6I_LV*2J$RT8]==)FN6Q3<]$L-E$(A7+\647IK4Y>LWX(G4I+6V>6B_LZJ
M2%E2"MU2435D+;I)P0*-*64,4TI**6'*BE)6,&5+*=LZY9W+W>.OOWR[^>-V
M=O/PQ]W7QU>?;W^GN>#9:=7ZX>X/LXQ3_\?3_3=:F7G]ZK?[IZ?[+Z=_?KJ]
M^7C[8`2T^O3[_?T3_P?5Y;N_[Q_^/,TW?_U_`0```/__`P!02P,$%``&``@`
M```A`!-Q:'U*$```)E(``!D```!X;"]W;W)K<VAE971S+W-H965T,3,N>&UL
MK)S?;^,X#L??#[C_H<A[F_A7D@;3+B:Q+=NX`PZ'O;OG3)I.@VV;(LG,[/[W
M1UIB)(ILTLSNRW;G(XJ6OJ8D2G;\Z9??7YZOOJ]W^\WV]6Z0W(P&5^O7U?9A
M\_KU;O"?7^OKZ>!J?UB^/BR?MZ_KN\$?Z_W@E_N__^W3C^WNM_W3>GVX`@^O
M^[O!T^'P-AL.]ZNG]<MR?[-]6[]"R>-V][(\P#]W7X?[M]UZ^=!7>GD>IJ/1
M>/BRW+P.K(?9[B,^MH^/F]6ZW*Z^O:Q?#];);OV\/$#[]T^;MSUY>UE]Q-W+
M<O?;M[?KU?;E#5Q\V3QO#G_T3@=7+ZM9^_5UNUM^>89^_Y[DRQ7Y[O\AW+]L
M5KOM?OMXN`%W0]M0V>?;X>T0/-U_>MA`#U#VJ]WZ\6[P.9EUXW0PO/_4"_3?
MS?K'/OC_J_W3]H?9;1[^L7E=@]IPG_`.?-EN?T/3]@$15!Z*VG5_!_ZUNWI8
M/RZ_/1_^O?W1K#=?GPYPNPOH$79L]O!'N=ZO0%%P<Y,6Z&FU?88&P'^O7C88
M&J#(\O>[00H7WCP<GNX&V?BFF(RR!,ROOJSWAWJ#+@=7JV_[P_;E?]8H<:ZL
MD\PY@;_.R?BD?>[LX:]RT1,7@B;UK86_KF(ZNID613Z>3H"=J`D-ZFO"7VKB
M39X6DVG?SQ,5)ZXB_'45D\G-)!G=9F>N"".LOR+\I8I3K^R)*]ZZBO"7FGJR
M:PD$37\E_!^Z5'&JC4,;!'U,E<O#\O[3;OOC"@8JW.;]VQ*'?3)#;Q1-MK7'
M^'HOO""NT,MG=',W`,4@<O8P)K[?9WGR:?@=XGCE;.;2)K)8D`4&+;HM8U#%
MH(Z!B4$3@S8&70"&(,M1&Q@A?X4VZ`:UH5[-"7BQ4B[5@BRH2AF#*@9U#$P,
MFABT,>@"P(2`42Z$R&'TZ5,.Q036@LF%Q434T;FU27*8%XZ14T1B>)NC'!)5
M$M42&8D:B5J).H:8.-!T(0[.QQ>.('0#@Q"N<Q0BRS,NQ=P9G93+VQSEDJB2
MJ);(2-1(U$K4,<3D`F687*=C"*U[5:@O<T=@A0V%RKE0"V]%%4N)*HEJB8Q$
MC42M1!U#3`18DRX0`:VY"(Y`'%#W%A*5$E42U1(9B1J)6HDZAEB/86E@/<9U
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M(SG+1+**&`R#P%N4^M?.*I_TFX=TE$0KNO$&=+6&/$^/][,EJRFYB3*HSAN`
M&ZXGIGBAGDHLP0[Y&$PN(_2!,\?D#8=A@5'I]T'36#AO1ETI@ZK$*L=P5W[T
M!L)P;S59P=(;6$7=-LZJ2'M=LFDT439T?9]0M(3X?8L<=^081]GW^SSUG>7B
M8D(8BAL,X`M3@,3EEJ'PE&X>`V%!5D6H2Y;?<O7*P,SK;KV=TUU<TSAG:=)K
M4=Q&(=S0Q4*1A9>.O#A%)]X+5Q3"XJ]2%%U%RX=#OJD+W-/TT<T4+:)IH0S,
MO**VZCE%Q36-<^84O2[2:/UJZ&J^G:U$';FQDEX7(^^&:XKYZT>C]()U!]U&
M^EJ4]>>$_>JT2)Q5`6GB<21G133>R\#,ZVNKGM-77-,X9UG>1^QU&EVLH8N%
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M(1AEA,)##865"JL45BO,**Q16*NPCC/>^<NV$JG<2A`JH"B88OP\[\8-;26\
M;F50U0>#M*L5.Z.P1F&MPCK.N!Z8Y8;!\)/G'*G+EGUOYX1R2$L"H7R"YX2B
M/'M\W"*4054OE+2K%3NCL$9AK<(ZSKA0F`)+H2X\Y\`\,,HW";'!1/FV7\-+
MQ:Y26*TPH[!&8:W".LZX)IAP_GE-;-H*VU6ZU_/4(4CECI$CCSG("A;NP,HG
MN7U\E<[JW>.+RAO0]6OR[(\O#%F]=WS1>`-PPV7"C#26*;W%=P"T4S'`E-ZE
M+C,.I7$H['16^+V]&U3.*HP?B["9@5I19E2Y*[K3B#S*!FIJD/=K"(4-$FEQ
M0W[M/B_8FG*E,$^-E8)'_*C4QW<BJ<MV0]4LRF`U/G8^*Z(CAX6K&&S]2H>*
MD[VKJ*+=K,6;B9J*_9;2$`H;I*CFFFVW;YF_RUPU:)Q0+1U_)+ZP9I06.A1V
M.!M'1PF+U%GY`5(Z="Z^;$4(AW[?!?O]*`)KZ=H0"MNDB.5<VQ&:YTGB73.]
M,BVMOCC*>B]<.X?8!C4;1Q/2@JS\UK(D7V?"C,S&(ZM>?/!;2]>&$-\T>V7Z
M^:)Q5O#H%F]+EK\3:3A^1*0E\'H+C<^/[5I[-Y%TE"?[ES$69`93-\W,I<(J
MA=4*,PIK%-8JK..,A]-E^33,+O&8(\3W%^/H3&(1F'D]G#>H2JQ2[&J%&84U
M"FL5UG'&]<",-IS$3^_B,Y<`![,UH4B/*&@7@1GUO518I;!:849AC<):A76<
M<3WB%/N,'C*3AD-`N__TR^Y"8:7"*H75"C,*:Q36*JSCC'<>,]D+@@'-HYG!
M(4A)@K5['&4FB\R;^6"0K%+L:H49A34*:Q76<<;UT%/FBP]T,IDT$^+/E<?Q
M*45@YH5RWJ`JL4JQJQ5F%-8HK%58QQD7"M/5,'""QU(?3P4SEP>'DXM#X7-E
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M:I2U'Y>-FLS\!8Q$C42M1!U#7(@XY^Y7!_BQQ+D3%=R;10D&(=_BA42E0RQ`
MLG%TMRM9L9;(D"\;,]<3\<Z'K--*U)$;]^Q\.GUGUY;'"?F'Q9*I>>\+!F(H
MEK/RJ'16D5B^>?VFL]*LY&PGKVBHHM,O2:-DL)%U6HDZ<N/T>_>\`!\ELV4B
M2$7$//;QW*1W&\UI-M&'S14-L059G7GW(#"CJI5C["XH^HIK&E<1TGH\#;B.
M]J$-7<O?\)9J^(9WA.S9U77PUA@?R9BCAVMP(.X%6KI,/YSI*/F'="<X\XLZ
ML\`WG7%"@'<42+A2895C..:.WA0QK3?L>V`5+:"&?%EIDB2/YMJ&#/P144OH
M]-L'9&5?:TC2Z7M+L[X-N?0@!Q_MQ+.I0^'K!V06L%)AE<)JA1F%-0IK%=9Q
MQD,QWG*<65WEW@)RV5Z/Z.`B/F<.S'S,^:K$*L6N5IA16*.P5F$=9UP/;;OQ
M4\_448\X3ASB4DWB@V:J"7])EE)AE<)JA1F%-0IK%=9QQJ6*=Q(XB_V<5'*3
M@1MZ5`^O?YQ5LB#KML]\`C,OE:]*K%+L:H49A34*:Q76<<:DPM\%L`G_]"CK
MS?DJ20AF6>K40F&EPBJ%U0HS"FL4UBJLXXQW_K($OI`)/"'^^L$D7M8",]*H
M5%BEL%IA1F&-PEJ%=9QQ/=0\'A91D5>=B1*9UN-Y83]JPFUR%C]N6@1F7BA?
ME5BEV-4*,PIK%-8JK..,"Z7F\)<>_6#01/,P(3:8**/W`ZQ4["J%U0HS"FL4
MUBJLXXQK<B(O_WCJB&=>L28.P9)\G&_EZP=4$:;8P,HG7/VL7#HK6&8QEX:,
M,=JK5-Z`8JTFSW[-,V3UWBE7XPW`#9<)<](XP_[0ZP=XJA5+XU#8Z2QX$=XN
M150QC!];\<SC85<1!D+_''(494ZU=&P(A2V2#X?)L=WK91._%^5:J7GQI2\@
MX$E*K)M%^!CQ&"SR!017,=C_E0Z=>3),%>V.+<ZB:BKVVS-#*&R0(IMKMMVI
M3'WL<M4P=_VY"'-9;[!OPXTNBA?>3_B\`_]UR(*L_!`I'3H78=:]>P%A7$R"
M9]U]\-;2M2$4MDD1R[FV8W0\G@:O37"]M,3ZXA<0\*WZ.,HL8IM4^0*"JPBG
M:S3CE.3K7)BY2X[MR4LRFD0[UUKZ-H1@43V&OB*>=0U/8'#D)\G$'ZUQ[>`>
MB%B[_!4$[&@LGD,P59,N"S(+6*FP2F&UPHS"&H6U"NLX8Z+`"R%<E-/94F_.
M<VI"T1XCNKV+P(PT*A56*:Q6F%%8H[!681UG7(\XS?[I[1A$>APGA"*I?+S:
M-3`P\U(Y;U"56*78U0HS"FL4UBJLXXQ+A;EN.'>?"1V7&@<3-G[O`8=2F$$J
MK%18I;!:849AC<):A>$7GX+VV<[;3SC9S^V\K'=?UXOU\_/^:K7]AI]G@LBZ
M_W3$]MM1\^)VAD,0[EM<,A[!9Z7Z+T.)$OS@5#_-BI*4/D45E^33&9XT*-?)
MH06PL59*"F@![#JU$F@![+^T$F@!Y%E:208E_0V.VY;E,WS90ZF3%5#2?]-*
MU!E#2?]NMRB90$D_V<8E.=2!@SKE.CG4L9-Q7">%5L.+[DJ=%%H-;W9K)=!J
M.!Y72C+0#9(UK01TLPE:W((,6@#O`2EUH-%J/^%6JW<:;K1ZGQ.XS_!;?.4*
M";07?I&NE<!%X#=7L@2V)C/<?<@2V&W,<$,A2^`+:I_5F,'+*_9S$$NU1ZD4
M^\_Y[#.,5WGA.=Q#K4%SN(/J#80(T@((7A>`*VMRS+/;&3Z4E]>&Y\JS$I[0
M:B4)E&@=A^<V4**V."^@1&LS_,YTAC\BE=>9)Q,HT4((7F^?X1OLL@Z\L3[#
ME])ER1PTP/<V9`F\DS'#URYDR3R!F(2<7"E)(2CAEUE:"40%_!!)*\&X4.]S
MDD)/M1+X#L$,/S4@O<&G!:!M6@G\[A^\:8$&OT*'$NW^P*^IH:2_/\/C"(>O
M]+TMOZ[_N=Q]W;SNKY[7C[!,C/K')3O[G3_[CX/[U>:7[0&^SP>+(GRV#;['
MN(;?CX[PX?3C=GN@?T!'AL<O/-[_7P````#__P,`4$L#!!0`!@`(````(0"!
MS<M9^P(``)8(```8````>&PO=V]R:W-H965T<R]S:&5E=#4N>&ULG%9M;YLP
M$/X^:?_!\O=`@+PU2E(UD&Z5.FF:]O+9`0-6`2/;:=I_OS,.*7:VMMN7!/N>
M>WS/G;EC=?U45^B1"LEXL\:!-\:(-BG/6%.L\8_OMZ,%1E*1)B,5;^@:/U.)
MKS<?/ZR.7#S(DE*%@*&1:UPJU2Y]7Z8EK8GT>$L;L.1<U$3!4A2^;`4E6>=4
M5WXX'L_\FK`&&X:E>`\'SW.6TH2GAYHVRI`(6A$%\<N2M;)GJ]/WT-5$/!S:
M4<KK%BCVK&+JN2/%J$Z7=T7#!=E7H/LIF)"TY^X6%_0U2P67/%<>T/DFT$O-
M5_Z5#TR;5<9`@4X[$C1?XYM@N9MA?[/J\O.3T:,</"-9\N,GP;)[UE!(-I1)
M%V#/^8.&WF5Z"YS]"^_;K@!?!<IH3@Z5^L:/GRDK2@75GH(@K6N9/2=4II!0
MH/'"J69*>04!P"^JF;X9D!#RU/T?6:;*-8YFWG0^C@*`HSV5ZI9I2HS2@U2\
M_F5`P8G*D(0G$O`XD02A%RZFP73V-HMO(NH$)D21S4KP(X)+`V?*EN@K&"R!
MN5=FXCAK_9M4T*A);C1+QP4J))3G<;.(5OXCI#0]0;8&,L?H#(D"&Q+W$)U`
M39OT&R\^CLNN1^CJ@:*S+$C64-:?"]5'K\%V]//0#FU["7$0\24B<B#))<1!
M["X1`Q)+8&0+U'6+X%Z_+E0[`6Y0@\7$$6H@DP%D:B/B-Q')FXC=:PA+)@0R
MK./[9&JG-89<GJ_:PA&Q-9!%=U5'CC&VC-'8UI\,K<&5;=P-C:,@?/&U5,&+
M]N^JM).C:F:?OC602:<J<&.+A];19&'[)D/KQ'W-AL;!FVV)FOV/*.WDB)K;
M@6T-Q)3*27<\M#G)2(:VT'&$8:'/-:31RXE&D)D#IDW65!0TIE4E4<H/NL>'
MD-[SKAD_VV`)S0MZD+.?P%CJ]OVS`<9"2PKZA8B"-1)5-`?*L3>'#`LS6,Q"
M\;9K27NN8"!TCR7,?PIM<>P!..=<]0O=_,Y?%)O?````__\#`%!+`P04``8`
M"````"$`?W8IL@P&``"&&0``&````'AL+W=O<FMS:&5E=',O<VAE970V+GAM
M;)Q9VVZC2!!]7VG_`?$>0S=W*\YH()K=D7:EU6HOSP1C&\48"\ADYN^WFFK3
M5/D2O"\SL?M0G#YU.9W.XZ?O]=[Z5K9=U1Q6MEBXME4>BF9=';8K^^^_OCS$
MMM7U^6&=[YM#N;)_E)W]Z>GGGQ[?F_:UVY5E;T&$0[>R=WU_7#I.5^S*.N\6
MS;$\P,JF:>N\AX_MUNF.;9FOAX?JO2-=-W3JO#K8&&'9SHG1;#9543XWQ5M=
M'GH,TI;[O`?^W:XZ=J=H=3$G7)VWKV_'AZ*ICQ#BI=I7_8\AJ&W5Q?+K]M"T
M^<L>]OU=^'EQBCU\.`M?5T7;=,VF7T`X!XF>[SEQ$@<B/3VN*]B!DMUJR\W*
M_BR6F1?:SM/C(-`_5?G>37ZVNEWS_DM;K7^K#B6H#7E2&7AIFE<%_;I67\'#
MSMG37X8,_-%:ZW*3O^W[/YOW7\MJN^LAW0'L2&ULN?[Q7'8%*`IA%C)0D8IF
M#P3@7ZNN5&F`(OGWX?_W:MWO5K87+H+(]03`K9>RZ[]4*J1M%6]=W]3_(DCH
M4!A$ZB`>L-?K<B'C0`3AQU$<9#1L\#GO\Z?'MGFWH&K@G=TQ5S4HEA#Y\HY@
M*PK[68&'1X!L!VGX]A3'C\XW4*[0D!0AD6V-$$D1V3DB3D:(`[1&;K#C^=P4
MF'*+V)M3A$2#JFH_V>0+\F(08OZ+%1@2.MEQXH[[&71+$>)/(`%%9+<0A!H$
MF4]-@5<V['),1B+HBU.$Q$,RI><RYAE9EL(H2DA!$4])J?;PK[;'J9C40XR<
M"8^Z(20<R(DXX@G-R'H81>&X.4(OI/1NU[@",UK>&!9I(<1'6@DCG4U7_<3T
M!Z$$#3)5[#8E!6:4?$8)(:@4I"EDZ]ET721^?$4I95BSIX$"L\)G99TB!(IH
M+$"&R&XAB&()I:9J+(1!?ELY]1!3SNP<DXD05,[WPY@3).M>%$6C\H2>`"[S
MI1O0C)@)C,0T1N<T]%CG9F3=\]TKE2;NF_`XG<DT,X$U,<3<RNKP4A@"%Q-/
M=5,S>%)R\_(J<'*3R69,1--$#.H7^HDX$Y``@N1J:M5PGE"\77("1_F4FN!C
M-=4@'"%QP&N.+(=7,ZN&\WQ>"DU+3KA,DE0@2'=#%'`[(.N!*TPST:2JP3QA
M-L\0U(GJC"&;KJD&(4,OD6P'&5V/(R,M9<@\82;#<W,0+G<'@2!D*-S8-Q2&
MPLPH0$AI&HQRO,LDQ+E+")?90*I!FEO@Q2'3-^,([ZJ"=WF%.#<+X3)A4@VZ
M/#6T=K/]0C##^*!KSYU"N*:Z]40A7B#A_#YZ@69'`"(*#8!D5C*S4-7G?6AF
MPU.\@[EK:)#NC\!C4S$CZ[[T38=3AG>YAD1'H#//5#6JIT&Z]D0@S*M1/0IP
M0V'J@W)3<WLR76YG5N*4I]R8*JD&:=6\F'<%60_<R=2AS)A3S)LJ\H)C<'%2
M#4*&01!-CN):/8QR`GB>D9=RO,LUY`77X$:::I#.;!ASN\L8()GLCG)COO%!
M9B_X!9<E5;\:@ZEH;IX7^JRK,XZ((U,=E!WSC`_8H0U`5L:SKQ!F'NB>0-"M
MB2=O02B_N_Q"7O`+P?U"@_"<(ETV;#*Z/-D=Y7674TB<\*1?)Y-`ZX8@G54I
M)P<1W0T,X)J.IMSN<@EYP27XJU,-0FZ)YYDIIJE-32(.)J(29LH/IE-NGD<,
M3]%?RH1@:4LUZ%;5W810GLPI9O*\X!B".X:'(*R^A-5F1E:O.:W'O&(FNW//
MF`P%+,$A\FFP/`BXB&.'`09P)[="5,#_91K>)=,P@TMS1!`*^.`%_+"L@YS6
M$_,\9<@L8Z:(%ZQ#&E/2#!&$S?(@`M_T*7:+1P&^-..;<KS+.KP+UC$Q=<UM
M:AT23-^\6G.;`N!6)3$`RHT9QTS]</"302B9/"G<>BM[P_L[<>E`SQ'G!WJ\
M]L9;X;ILMV56[O>=531OZDI;PC77^"U>MZ=BF4IUB\J^S^`:?OC>&1?@%OR8
M;\O?\W9;'3IK7VX@I+N(0+D6[]'Q0]\<A\O;EZ:'^^_AQQW\O:.$6UIW`>!-
MT_2G#^JF?OP+RM-_````__\#`%!+`P04``8`"````"$`C,Q'DFD%``#K%@``
M&````'AL+W=O<FMS:&5E=',O<VAE970W+GAM;)186V^K1A!^K]3_@'B/89>;
M;=D^.A"E/5*/5%6]/!.\ME$,6$!N_[ZSS`;8`6.3AR3V?#M\<U]F\^TC.QMO
MHJS2(M^:;&&;ALB38I_FQZWYS]]/#TO3J.HXW\?G(A=;\U-4YK?=K[]LWHOR
MI3H)41N@(:^VYJFN+VO+JI*3R.)J45Q$#I)#469Q#1_+HU5=2A'OFT/9V>*V
M[5M9G.8F:EB7]^@H#H<T$8]%\IJ)O$8EI3C'-?"O3NFE^M*6)?>HR^+RY?7R
MD!39!50\I^>T_FR4FD:6K'\<\Z*,G\]@]P=SX^1+=_-AH#Y+D[*HBD.]`'46
M$AW:O+)6%FC:;?8I6"#=;I3BL#6_LW7D<-/:;1H'_9N*]ZKWOU&=BO??RG3_
M1YH+\#;$24;@N2A>)/3'7GX%AZW!Z:<F`G^6QEX<XM=S_5?Q_KM(CZ<:PNV!
M1=*P]?[S450)>!34++@G-27%&0C`;R-+96J`1^*/YN][NJ]/6]/Q%UY@.PS@
MQK.HZJ=4JC2-Y+6JB^P_!#&E"I5PI<0!]DK.%P&S5TYP4XF%A!K['N,ZWFW*
MXMV`I(%'5I=8IB!;@V)IF`/N&3<,+))GOLM#S5%`5Q"-MQWCSL9Z`P\F"A,B
M)C"-%L-U1#1$+%<MQ`)^+4FP?#Y)>4@GZ=BM^L:.$"%!XV5I6-3[0B,`GND3
MF/:.!&]-4-5:SKA+GHR89>,[UV,LT.61)G>9WWE7X^7.X27!E)>G/S=$C-_P
M\GW;H[PT><"=97M>XP7Y>+^_))CR\EN]&"G$("]F+UW".]+DC/,KO/PYO"28
M\+*[!$5>B$%>CK.D*=X7>S9GK56:MZ!([O>6!!-6G$0I1`RR\KR`45JZW.G5
MA<9+3J]>;YC.>@F&WM'+^A4M-X1`"K6%0<,XA="HK71J][4M>8BZKDL4#"AB
MW*8`N$,=UY<R]TI1,NB?]_NM01/'$;>$"C/EN4F(YCI&6OYT6!LT=1JM`@5"
MK[D#KVEB9]G5MLY+-M^[TXUAJ]:Z;"^/,9@*I'B1'AQITN!*;3+9B>]GA7U;
MJP*:88W&K3D93%0S#M&=!I@9]"2:!-/I#%=.0Y#JM<SMPM7((Z;)N=^=UYG-
MF@'R,C5@1JHO5"`,)^N>JWBA"B6]5IMD`MS7.-C(*'"Z)RB_]9N][]"F'"DE
MJBNO@BXO=+_-F@9L9!PX)-%#!;I6!J@"I=XU5K-F`<,^KA?GH*DA:-6T6K@W
MM[-1A?.:6/<6&00WFMG(!'!(?H<,06JF^[;ZH?1NH#26?-9$:-"T2NF(5R!5
MI;;C(4W"DJ!\EZ!TEK,&`\?KNQ[C+GNP)A3H%DM4]86ZP5(V_EY#OJ^"N3RE
M3]G!I3M4(.AO5R\HDQ#=F[,&!\>.KWN3CED%4I5*"T:3]KJ3SDHV[_G>PY;?
M9]>;XBK4B$%R#^Z2E'O$-;G'N[+3"9*Q<6=X1\:'2Z^?\E4;<D`Q9"Y)UHC(
M@Z[D=(9DA$RW'#XR.EPRND(%`@]=3SS4,P[1^<T:('QD@`S>5A4("]3G'AE]
MD28/'-XEKLYLUA#A(T.$DZP*%0B9\:7#2-`C#0#KEMZ;H\YMUB#A(X-D\&ZH
M0)AO`U[]^0';O$ZNT9*[F'Z]3B=;@R:3@]Y#0@52W=;S;)*-D0Y8^KWW.)W;
MK'GA8).?O!HKS'B2X[5@$J+3(X/BANMP0/1;'!M<I&#%*#N(6MN0:Y9<0';2
MP44*=XNX>\M$>121.)\K(RE>Y=Z0PRVH_19WFB%;A\U*DWP?P:ZS^=YJ!;!J
MO,1'\3,NCVE>&6=Q`)7V0JX%2UQ6XH>ZN#0;L>>BAB5C\^\)ELH"5E_V`L"'
MHJB_/LAU:+NFWOT/``#__P,`4$L#!!0`!@`(````(0"_=L6U(@8``"P:```8
M````>&PO=V]R:W-H965T<R]S:&5E=#@N>&ULG%G;;J-($'U?:?\!\6Z;;NY1
MG-'`:'9'VI%6J[T\$XQM%&,L().9O]]JJC%=9>S@>4GBU*$X?:JZ#K0?/WRO
M#M:WHFG+^KBVQ=*QK>*8UYORN%O;__S]>1'95MMEQTUVJ(_%VOY1M/:'IU]_
M>7RKFY=V7Q2=!1F.[=K>=]WI8;5J\WU19>VR/A5'B&SKILHZ^-CL5NVI*;)-
M?U%U6$G'"5955AYMS/#0S,E1;[=E7GRJ\]>J.':8I"D.60?\VWUY:H=L53XG
M794U+Z^G15Y7)TCQ7![*[D>?U+:J_.'+[E@WV?,!UOU=>%D^Y.X_7*2ORKRI
MVWK;+2'="HE>KCE>Q2O(]/2X*6$%2G:K*;9K^Z-X2-W07CT]]@+]6Q9OK?&W
MU>[KM]^:<O-'>2Q`;:B3JL!S7;\HZ)>-^A=<O+JX^G-?@3\;:U-LL]=#]U?]
M]GM1[O8=E-N'%:F%/6Q^?"K:'!2%-$OIJTQY?0`"\-.J2M4:H$CVO?_]5FZZ
M_=IV@Z4?.JX`N/5<M-WG4J6TK?RU[>KJ/P0)G0J32)W$!?8Z+I<R\H4?O)]E
MA8SZ!7[*NNSIL:G?+.@:N&=[RE0/B@?(/*P,>9S7>FVIL$:5Y*/*TN>"5;10
MGV]/PI./JV^@::XQ"6)"VQHQ%)$."%4*H'?F""LW.4ZK/E!18$HEY$PN(0R1
M7B+<$4*X@6;SN2DPU-Z4P'.I"`EB/`/C4T1Z"T&X09+YW!1X;</"S^4).#6$
M1'U]/<^-&"\2=GQQ#A-2T/`F*=5PWM6M-!157<2%\\[Y^QY,$`,DS@O@PMU"
M$(X!Y7B[X128"F<L':DA)-`;(QA;J0^G).SZH^R$%.P<4[C;I!28DA(>DR-!
MC->S"@,F9TJC5S@I@S.FQVU."LPY!:R(B$%."R\.:3@E82&NM%A\#RL%YJS8
M;1/$("LI'$:*1,-195(]`:9C2C6O[_NK>..S?9=HT*W.OPFA/)DAW"ZIP)%M
M3@WAQ52?1(.T?(9`V/TDO#"F"N6E1O+L5A,XP`DOR7M-@Y!7Y/.RZO"P:Z\9
M@%#C>#XQ'-Z$&+]STJ=<V_K.83QN/JW8X`#*:./HRBX0:AX;Q%3'N="%[U04
MIS@AZ/#]T*>&N=V/CD7HL(JG-.X[XP)H3=5`OI\ACG'"\&+BJJ<SV-8H8>1'
MK/8IC<NK#.]R`H&#'*ISMB#ALV&?:-#-W8IYIB%4P;M,04RX@N$VZ%4:A+45
MDM%/:=C8S)07,X:9O3?A$#[SI428'A`'%X4UPY$_ABF_NRQ"3'B$/\YYK9MI
M`XM(LGBJD^@]$X57]H2<\(GW=VU_%7,Q8^W(4(-P3RRDRP=UJ@'#MHZO#!;)
M+&)><?NK.$4^6#1H$(D7/Z7QP!U%)N65,!SN'RS]59PA-UL-T@R%RUV#Q<,Q
M3ADRUYBIX91[L.&;2.(.X_W1.TAT(<>+*3WF';<]0TYX1L!NG&C0T'UQQ``I
M!0@O&)N#<F.N\0XW-`(RDX.QL?7.0-#TP-6ZW8)0?G=YAL193]R,OR`D&H1-
M%XM1&,T-<Z"TTKUF9I*9Q<R>FS"-BS?#/O5@MPOAQ^/&U!0Q"Z[`<&NJ''.-
M=RH[X1;\+2:1"$)IA'"-AM?$3$`81:.VE-I=AB$G#"-@DB0:I#>$<`)_W(R:
M&Z89$#"P1S<F[)1!W#_O^JO8O.-^FF@0%DX:E4.*).P;#SN4WT\YACOQ<F$,
MA9Y`HD%:(U<Z3.;T`C#.'<J1><;MYG,5FFO'O4*#M%>$AA=H\3")C@?&<SYE
MQKSB'683'A&PSDI<!`VJA<;+C:9&`-":USJ/&<6\F>).&`97)]$@K4X\/LEI
MAIA#AX4SBD_%8VXQDR!.>S*50^X:+H)01!&&(P/-<+`,]9KFCOPI/^86,_E-
MN,;%,:=KVH*(O8N7(`*04AHOHI3C3QD'',A?;!'CJ;?7*-$@/%.40O(!KH[U
M518-D-)8!'+$0WL\TZZ*9E>DQ>'06GG]J@[D!;RBGO^+7Q8D\&5!?[*^.@?@
MK/Z4[8JO6;,KCZUU*+9PJ;,,H8`-GO;CAZX^]4?+SW4'I_3]GWOX5J:`(W!G
M">!M77?#!W6(??Z>Y^E_````__\#`%!+`P04``8`"````"$`SSD((W<"``#8
M!0``&````'AL+W=O<FMS:&5E=',O<VAE970Y+GAM;(R46V^;,!B&[R?M/UB^
M+PXYD48A59LJ6Z5-FJ8=KAWS`58P1K:3M/]^GW$.)-FRW@#&KQ_>[\3LX555
M9`O&2EVG-(YZE$`M=";K(J4_?RSO)I18Q^N,5[J&E+Z!I0_SCQ]F.VW6M@1P
M!`FU36GI7#-ES(H2%+>1;J#&G5P;Q1TN3<%L8X!G[2%5L7ZO-V:*RYH&PM2\
MAZ'S7`IXUF*CH'8!8J#B#OW;4C;V0%/B/3C%S7K3W`FM&D2L9"7=6PNE1(GI
M2U%KPU<5QOT:#[DXL-O%%5Y)8;35N8L0QX+1ZYCOV3U#TGR628S`IYT8R%/Z
M&$\70\KFLS8_OR3L;.>9V%+O/AF9?9$U8+*Q3+X`*ZW77OJ2^5=XF%V=7K8%
M^&9(!CG?5.Z[WGT&690.JSW"@'Q<T^SM&:S`A"(FZH\\2>@*#>"5*.D[`Q/"
M7]O[3F:N3.E@'(V2WB!&.5F!=4OID92(C75:_0ZB>(\*D/X>,D#W^_U^U)^,
MXM'X_Q06'+4!/G/'YS.C=P2;!K]I&^Y;,)XB^1!9\'&,]5^A8HP>\N@I+0NC
ML%B>[3Q.AC.VQ9R*O>8I:!)*3IISQ>*@\*5`>T>/&'G7X]^S?K#BQ>=6DO[Y
M=YZN)1>*Q;5B<)*<><.<=;WY_`VPOVY[](=0UTU%,KHP&33#CN9"L;BE./.(
MD*['V]Z\.*68@%.9DO&%MZ"9M(4>G._A&/KS8:_3`\%0F+#0@`I,`0NH*DN$
MWOCIB1%X?!L&^PD'NQT#=MS`P6IX`5^Y*61M204Y'NU%"4Z2":,9%DXW;1^L
MM,.1:A]+_(,"]FLO0G&NM3LL?,<=_\GS/P```/__`P!02P,$%``&``@````A
M`&UQYK%6`P``_0H``!D```!X;"]W;W)K<VAE971S+W-H965T,3`N>&ULE%;;
M;MLP#'T?L'\P]-[8SCU&G")=T:W`!@S#+L^*+<=";<N0E*;]^Y&2X]BQTR0O
M0<)0Y_"0%,7E_5N>.:],*BZ*D/@#CSBLB$3,BVU(_OQ^NIL31VE:Q#03!0O)
M.U/D?O7YTW(OY(M*&=,.(!0J)*G69>"Z*DI93M5`E*R`?Q(A<ZKAI]RZJI2,
MQN90GKE#SYNZ.>4%L0B!O`9#)`F/V*.(=CDKM`61+*,:XE<I+]4!+8^N@<NI
M?-F5=Y'(2X#8\(SK=P-*G#P*GK>%D'23@>XW?TRC`[;YT8'/>22%$HD>`)QK
M`^UJ7K@+%Y!6RYB#`DR[(UD2DK4?//ASXJZ6)D%_.=NKQG='I6+_5?+X.R\8
M9!OJA!78"/&"KL\QFN"PVSG]9"KP4SHQ2^@NT[_$_AOCVU1#N2>@"(4%\?LC
M4Q%D%&`&PPDB12*#`.#3R3FV!F2$OH5D",0\UFE(1M/!9.:-?'!W-DSI)XZ0
MQ(EV2HO\GW7R35`6RX3V2#5=+:78.U!O\%8EQ>[Q`P`^Q&01ZBC/!0G1(<@:
M44(R(P[P*\CLZ\J?S9;N*V0CJGP>K`]\'GUJ#Q>BJ4.",)HA]:?GP(S.R(SI
MPE`>K*%),^RG&=U"@\Z0[V;PLWF-:YFMS[CA,ZD]6@+!Y7J!Z`S%:5,O:F!+
M;9VNH(9&N9X:G0UUG=S*`JU_+.+<JX-IJ9S>0H7.;:K*TBRD/_?[J:#QFJJP
MB<?>8@#1?MP\>*[-6EF@B1H"SS00SN7&U?F8"IW;5-8R-K>SV?Z+-JRYD=YD
M,+NH!@^V*2I+6\VH/X<^%/5Z.<:[35:9NH)\O/F-1!E%TXMRS+$3"D0"4UO0
M^(P@G`0-VH_K@Y@GV:M,/8+PIC>0C:`YY.\"A1T0<)7K^X37NBOHS-CP;YH;
MQOLD?8<Q`?RMJXJO4$>0=[E">.R$HC*U*S0]4Z&3$8%Y'"[P\;N4R>ZX\'OG
MQ?$-:NOM&1@C[W(!N_/"[QT8QY>A37O3Q(!5I)/=SLRPRX9]T7,FM^P+RS+E
M1&*'B\00GN+:6B\YZR$VX*E]'*SM\N/6_\#R4=(M^T'EEA?*R5@"F)Z91-*N
M+_:'%B5T`:P@0L/:8;ZFL&8R>(X]',*)$/KP`UNO7EQ7_P$``/__`P!02P,$
M%``&``@````A`,"Z6"RT`@``C0<``!D```!X;"]W;W)K<VAE971S+W-H965T
M,3$N>&ULC%7+;MLP$+P7Z#\0O$<OVTDL6`Z<!FD+M$!1]'&F*4HB(HH"2<?)
MWW=7M!4I=A-=9&LU.[.S2ZU6-T^J)H_"6*F;C,9!1(EHN,YE4V;T]Z_[BVM*
MK&--SFK=B(P^"TMOUA\_K/;:/-A*"$>`H;$9K9QKTS"TO!**V4"WHH$GA3:*
M.;@U96A;(UC>):DZ3*+H,E1,-M0SI&8*ARX*R<6=YCLE&N=)C*B9@_IM)5M[
M9%-\"IUBYF'77G"M6J#8REJZYXZ4$L73KV6C#=O6X/LIGC-^Y.YN3NB5Y$9;
M7;@`Z$)?Z*GG9;@,@6F]RB4XP+83(XJ,;N+T-HYHN%YU#?HCQ=X._A-;Z?UG
M(_-OLA'0;9@33F"K]0-"O^88@N3P)/N^F\`/0W)1L%WM?NK]%R'+RL&X%^`(
MC:7Y\YVP'#H*-$&R0":N:R@`KD1)/!K0$?:4T02$9>ZJC,XN@\55-(L!3K;"
MNGN)E)3PG75:_?6@N"O*<W6EW3''UBNC]P3F#6C;,CP]<0K$YVN!(A"[07!&
MKR@!&0L-?%S'U\M5^`BF^0%SZS%P?<'TB!!$>V50FZZ,8%3&KF`IMSXPE$G.
MR\S&,MCT&8SN;:.8!+BAB674\_L*/&8^P"QZQ,@H0*8;13#,8B1]TF,/FB`-
MYV*Z-(([Z;[)APC\O`QS&9]W>3F6ZOI\!9EO-QJSQIJ'",QWH/F?V<))G&X/
MP6,I'YEW[\?P9.+"';P3_CU]]\Q@UIC_$!E;F9UOWW*L^7;7$#R6\I%3*[#/
M3KPD\W>]=&ECA6-H[&;^RHU??G[#*&%*\4G4M25<[W"Q);`S^FB_=#<)3N!U
M?)YN_#(.^R>P#%M6BN_,E+*QI!8%<$8!GC+CUZF_<;J%VF$E:@=KL/M;P6=/
MP-Z(`@`76KOC#2B'_8=T_0\``/__`P!02P,$%``&``@````A`&-$!M<G3```
M=JL!`!D```!X;"]W;W)K<VAE971S+W-H965T,3(N>&ULK)U9DQM'DJW?K]G]
M#S2^-UE8:I-)&FL"N6`':KGWF4VQ6[0663*2O?W[.8%P1X3[<:(`MN9AJ/[@
M[DC$.1&9X9E`_?@___[XVXM_OO_\Y</3IY]>#EY=O'SQ_M.[IU\^?/K;3R\?
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M^O8U*OW\XR\?\`G2L+_X_/ZO/[W\\^"'Q^'@YN7KGW_<C]#_^_#^7U^J_W[Q
MY=>G?W6?/_RR_/#I/88;0B4)_O+T]/<4.OLE(22_INQV+\'V\XM?WO_U[3]^
M^WKW]*_^_8>__?H5>E_B(Z5/]L,O_YF^__(.0XHRKX:7J=*[I]]P`/C_+SY^
M2-[`D+S]]T\OAWCC#[]\_?6GEZ.K5Y?7%Z,!PE_\Y?V7K^V'5/+EBW?_^/+U
MZ>/_ST$#*96+C*0(_I4BEZ^&-Y>#RZM4Y$CB6!+QKR0.X<PC"2BW/US\JPFC
M<KA'$J\D$?]JXOC5S>7E^.KF^O@Q7DLF_I7,P>#58'SQW&?#!]D?*OXM[W@]
MN+@=/?.&MY*(?S7Q\J3/.(![]F^9_D-3KUZ=\IX#]4'Z#TV]/NU=89W\KL5#
MPQ/'=J#.2?^A;WO<`0/U3/H/33GQ0ZI[T@215*AZQ#4#M4WZ#\DX3?V!VB;]
MAV9"T6-OIH[!>J$IPQ.55\\,BFE.G()#-4WZ#QW/TY0?JFG2?TCJU9&I\3JO
M/?NE;/KVZ]N??_S\]*\7.$$@_<OO;]/I9O!#JJ6+6!ZLP[+VK54-RUFJ\N=4
MYJ>7&&\L6%^P%O_SY\'MY8^O_XGE\YW$O`EB;,1$(]):F<I./6@\:#WH/.@]
MF'DP]V#AP=*#E0=K#S8>;#W8>7#GP;T'#QX\5N`U%#W(BO7@CY`UE4FRJB!O
M%!2=ATY#C="4J0>-!ZT'G0>]!S,/YAXL/%AZL/)@[<'&@ZT'.P_N/+CWX,&#
MQPH8#;$NDX8CK!3Q]87.Q)2%*PDS$Z^L1F]RS&",9?PP7]ULG928@Y*,&D8M
MHXY1SVC&:,YHP6C):,5HS6C#:,MHQ^B.T3VC!T:/!AFUH06IG4Z69R[$J0S6
M<KS/05E>B27HJ/XEYJ`_HX91RZACU#.:,9HS6C!:,EHQ6C/:,-HRVC&Z8W3/
MZ('1HT%&?TAM]#\^RU/T7F85YXV0,?ZME+^V,W]2HC1QRJAAU#+J&/6,9HSF
MC!:,EHQ6C-:,-HRVC':,[AC=,WI@]&B04177KD;5[[R\2F6LW$+&^+>2^\;)
M7:(.<C-J&+6,.D8]HQFC.:,%HR6C%:,UHPVC+:,=HSM&]XP>&#T:9.3&!;"1
M^_@D3M%652%8F%6O":,IHX91RZACU#.:,9HS6C!:,EHQ6C/:,-HRVC&Z8W3/
MZ('1HT%&0FP`C83?.6-3&:NM$#=C;]V,+5'J@"FCAE'+J&/4,YHQFC-:,%HR
M6C%:,]HPVC+:,;IC=,_H@=&C049N;-H#N5^E/M'77S^\^_N;)RROV&4%,WF$
M?6[>_:8B5FPA]41F-&74,&H9=8QZ1C-&<T8+1DM&*T9K1AM&6T8[1G>,[AD]
M,'HTR"B;.G'_O;3[*E9;15A##J=>]-[=1-8H'&`5-;!14XD:7^][)L.+P=@&
M-"5`UX/VI,J=)MYHY9&MW)<`5+8CE[H*U!1";SJ<!N@SZSQ('4PW$1398?!-
M`XE*+>MC@Y7+#W'^K:+<YVJTE@PIFNDNHM6(H^_6Q4?N:O5:2X9Y<#,NG\T.
M:MKFUX,:K"CU4.:N`#9RJON;049ND)QA)G$4^4[*EPN-1A-O]X:Y'EZ[C]IJ
MP#/#1I5[243O(C4&KZ^OR]'8(4J[XWJ(]N?>4WPGV^IZL#)R@^6;'&F?#,.Z
MJ')XTH64\O5@26(>K,'5>.SF?WM2Z4ZBT%!7F7M!,EJ#\>BV'(\=KK29I.&Z
M3C>;SCAWI5Z^G[,9C3#=JGGFFD@327QN[*36\/`!&TD<C?=V&%R6C[<?[O:D
MPIU6*85[16E!0@/ZLEQ;V7'#^/"XG6*SE.C.!8+L\N9WW:F/<X+-I-;^EN5^
M*!I-S&O9^'(P<*5;C4!NI94;TDZB\MW0?>E>$_/"-1X/KLI\M\.5MCMDL\LS
M+Y'271P_=ADYF_DMK"0^9S.I5=S02*+8;#PJZ[+8+*<<+]QIE5*X5Y1M-KHI
M$\..6]IC_/?C)CN5>FG+:(3CKR0O9M]_O$FZ^76"YZ06_JEJ%2>(#25*O7)U
MXQ;2]J1WZR3*';E[MUZC\MHZ'N&$<;ATL2.<+NMIA,]>`&5S4(]P1F-<0991
M&;@5?I+N%6*$QSCAE:@+-_6F&H5UL(IRG[G1J.RIX=7(E6DUX.B;=1IE#OS"
MO5FO45?[=7(TOBASSHYONKBF\:UF_L/3[]_:'&%:':X*4QFW;`K"=:^>]R;I
M_FD*J]@T8$W`VH!U`>L#-@O8/&"+@"T#M@K8.F";@&T#M@O87<#N`_80L$?+
MC.#I/K01_/@UZC[<"JMHC+E1[#YP;IY48:K_-&!-P-J`=0'K`S8+V#Q@BX`M
M`[8*V#I@FX!M`[8+V%W`[@/V$+!'RZS6?I/WC-:\M4N/"^PGK-7:G6<G55C1
MNJ0J:X*X-F!=P/J`S0(V#]@B8,N`K0*V#M@F8-N`[0)V%[#[@#T$#,^Z'>3`
MF%JMTYZL7LB?T5JV<-49<2C(S6MW9IE48:KK-&!-P-J`=0'K`S8+V#Q@BX`M
M`[8*V#I@FX!M`[8+V%W`[@/V$+!'RZS6:6=ZAM:RMZVUUNVNG=>^T3`L845K
M9DT0UP:L"U@?L%G`Y@%;!&P9L%7`U@';!&P;L%W`[@)V'["'@#U:9K5.F^LS
MM,Y[<3085+`W0T%N7KO+^TD5IJG3@#4!:P/6!:P/V"Q@\X`M`K8,V"I@ZX!M
M`K8-V"Y@=P&[#]A#P!XMLUJG[L`96DLSH=9:4'U3(NU^]^?PTH":!JP)6!NP
M+F!]P&8!FP=L$;!EP%8!6P=L$[!MP'8!NPO8?<`>`O9HF14V]2%J8;_SCF-J
MB[MMEJ(QME;5U7AI6.1601569K=40ZJR)HAK`]8%K`_8+&#S@"T"M@S8*F#K
M@&T"M@W8+F!W`;L/V$/`'BVS)D@=%C;!F4VV8>[3F`5>D)GTS*::6L4U`6L#
MU@6L#]@L8/.`+0*V#-@J8.N`;0*V#=@N8'<!NP_80\`>+;-ZI][1?Z]WJN(V
MX((@<9GQ=',R?=4C)996\U31537?<Q0N-E,_G6].MII3RG2*2IE>$,YM4J;L
M&NR8I`80C<D)??FA=([J<YT@L_!=T-94HNJ37T:7ML]6CC@W1.4=(7#Z2)<W
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M-$,RLC=Q!C0FNK&LQB2CU+NH!M.M?XV\XTA$']_ZYG&KQU1,V`E*VZ=OE^ZU
M=%ZCKBYOOW5C:91V1;2ZG'MC:5_%K;AYN^5N++FE<B*)XS*EIH(N[3T_&KM<
M'E'[U?/2;>-;+MQI87N]X`KW)2H5OOK6#:/D"1ZW:E4^[8;1OHP;.-V.5#>,
M-*R^812P)F!MP+J`]0&;!6P>L$7`E@%;!6P=L$W`M@';!>PN8/<!>PC8HV5V
MD4D[B7JB/',-(AN/LBJ^&0FR#:AA.>W+$EO"=#LZK5*5-0%K`]8%K`_8+&#S
M@"T"M@S8*F#K@&T"M@W8+F!W`;L/V$/`'BVS6J?=P!E:RQ:CUEJ0T[J<P$3K
M$J:Z3G$ZV)^'D*JL"5@;L"Y@?<!F`9L';!&P9<!6`5L';!.P;<!V`;L+V'W`
M'@+V:)G5.NV"SM!:]E&UUH*J?L)DQ&P:L"9@;<"Z@/4!FP5L'K!%P)8!6P5L
M';!-P+8!VP7L+F#W`7L(V*-E1MATY7&&L/MP>R96=&F>,1FZ_>^D"M,).PU8
M$[`V8%W`^H#-`C8/V")@RX"M`K8.V"9@VX#M`G87L/N`/03LT3*K=;Q'/O\K
MI;Q+QJ5I7H[-]>C0739.JK!B@I*JK`GBVH!U`>L#-@O8/&"+@"T#M@K8.F";
M@&T#M@O87<#N`_80L$?+K`E\8^"[MH'I&3?7*%%4+_`!FP:L"5@;L"Y@?<!F
M`9L';!&P9<!6`5L';!.P;<!V`;L+V'W`'@+V:)G5V[="CE^1C[GGH:C<^)DH
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M^R4C>Z=[Y,9^DAZ32NM[\?544+7:-HKD3O>-'Y!6`\J`=(QZ17E8QTZNF;Y<
MBLP9+12)-DZ:I;Y<BJP$59]QK5&YR)4[X6STY5)DRVBG2$:EOO]OM$QMHS.T
MW(?;!I0@Z]J1NRJ?:&*EI:!:2T8MHXY1SVC&:,YHP6C):"6H5HFC-HRVC'8&
M62TP/\_1(H4[+3)R\\JOP]@1^GDE*'UGX<@ZK%'95,.+VPN_#FM$,6>GZ&CI
MOD3EY=*M!3-]O12>*SI:>%&B4N%K-Q9+?;G470FRAJ9E6!/S+,6WY`[?B=S?
M-=GHZZ7P5M'1`]YIE`RR^;T$:Y>ZE926X5._GI\>IO+&R<@9QWVFB2;6DU@2
MR\=L)`H/3NU'?.#'O-6`DM,QZA7E`?;7W3-]N129,UHHD@6Y7(SN15KJRZ7(
MBM%:42["2M,0;#6CU-TIDE&I?\[!JHJ=EUD$OJM!F!YJ\Q)G9)^=J9[@R3?[
M)+':!TT9-8K,\QTC=[IK-:J<^#M&O:*CM68:56K-&2T4':VUU*A2:\5HK4B>
M#QJZ%6FCKY<J6T8[0?J4D?EA"JM[:AK5%U7?IWNJXLX)@LH3H!,<S3ZJH"FC
M1A#.5[HE;AEUC'I&,T9S1@M&2T8K1FM&&T9;1CN#K![8QAH]CE_D7J9P-_""
MRAYLHE$%31DU@G`B*`.?:U6HXZA>D6W>N%/>3*-*^3FCA2);RTV"I4:56BM&
M:T6VEKM$W&A4J;5EM#/(*I9:./4,>D:QW/&IVX#I<2Z(6+<!!557?E-&C2;6
M4T5J%=1Q5*_(CHP[[\XTJM2:,UHH.EIKJ5&EUHK16M'16AN-*K6VC'8&6<52
M<^8,Q:274U;<-Y>"RA7)A-&442.HVGRTC#I&O2([,KYQJU%E9.:,%HJ.UEIJ
M5*FU8K16=+361J-*K2VCG:!L>JM8W2HZ7'.>V[B]Y`Z2('MUXG_$::*)1>ZI
M)E:-6T58,\MFQE]`MA)5.:#3Q&*P7I&MY;L#7&NNB:760M'16DNNM=+$4FNM
MZ&BM#=?::F*IM5-D:Y5K9>N`\YH_J1/OSXO2_,$"6<GC&[>:6$LMM<K9L]&H
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MY;LZ>?LJ3O54V/_`(75P)1'/H&KW:,JH$936M&.JYW?$.4EK=9I84*_H:*V9
M1I7$.:.%HJ.UEAI5:JT8K17E[\L/_"^.;O3U4F7+:*<H>^?([_]>I8Z/GI$C
MW4_[MMV^C!,^]Y+JGV*<:!@>ZU!MI@%K`M8&K`M8'[!9P.8!6P1L&;!5P-8!
MVP1L&[!=P.X"=A^PAX`]6F9/^W7[*@G^S#K.[:LK0>F>7YF&_N&#2156M"ZI
MRIH@K@U8%[`^8+.`S0.V"-@R8*N`K0.V"=@V8+N`W07L/F`/`7NTS&I=-[YT
M<@^'Z3?XS_R+8%?<_%+D;.#VRI,J3"6?!JP)6!NP+F!]P&8!FP=L$;!EP%8!
M6P=L$[!MP'8!NPO8?<`>`O9HF;5!W?TZ8<IS]^M*$!YG5A$G`9L&K`E8&[`N
M8'W`9@&;!VP1L&7`5@%;!VP3L&W`=@&["]A]P!X"]FB9$?:Z;J4]+^P^W)ZD
M%:4;_=5:[OH1DRI,]9\&K`E8&[`N8'W`9@&;!VP1L&7`5@%;!VP3L&W`=@&[
M"]A]P!X"]FB9U3JUA/A"[>R5_#K5<280E)Z%KDS@-_*:B;!B@I*JK`GBVH!U
M`>L#-@O8/&"+@"T#M@K8.F";@&T#M@O87<#N`_80L$?+K`DP30,3G/E[+->I
MBK.`H'J!U["*30/6!*P-6!>P/F"S@,T#M@C8,F"K@*T#M@G8-F"[@-T%[#Y@
M#P%[M,SJC3["'Z!WJN+T%E3NV$RN"4T%W7SKM]N:$J"SOV74,>H9S015/R<W
MURAI<%\,W'EI40+T_9>,5HS6C#:"@OO'UW7K2R^C!]4OTIST.V'[*DX%ZG5-
M-*I<:$T%W4"?:G5V?;.F1.E0M(PZ0=@?:E3/:*:H?+-L7FH=.8A%B=+R2T8K
M+5\.8LUH(RC2P_>JCF]ATY_A\_875$9YHE$%31652=((JL:O9=0I*N/7*\(&
MN!+1W;>8:51)G`NJIL5"H\KX+1FM%)5::T5'#V*C4?M$NQSY9M$S`R\=H'+7
M_LVU-H4._ILPF@JJ^OJ-(/2UU%FM(OMIW&-(G4:5Q%Z1370W%V8:51+G@JKC
M6G#44I$M[XYKI5&E_%J1373'M=&H?:*5!XGF;/&,/"G<+4B"RB287!.:"DJ-
MA\K+[D':1J/*!VP5F<1+]UV13J-*8J_()OH'6C2J),X5F<2Q.]2%1I7$I2*3
MZ`]UI5$E<:W()KI#W6C4/M&*&/5LSC_9<+_F.J/J(>F)H.I&XU10ZB84;2]=
M4Z?1*+0%JBAW=FXURM9RVXI.HX[6ZC7*U/+-\9E&%3WFBDRB_T`+C3IZ$$N-
MLK7<!UIIU-%::XTRM?P'VFA4X!.4/V>RIW`WV3-*>\Y*1'==,;F6Q+(D3`55
MS_4V@LSRG!.KJ(ZC>JXUXZ@Y1RTX:LE1*XY:<]3&1)G9>'->AV4?;D=94-K4
M5:/L3OP33:Q&61/E1M`KE]+HZ^:RD'XD5:.TBCN;=/KZT2J]1DD5^ZVAF;YZ
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MPK8\7-6EK.G=\V6`1$D-?]KL]#V.5NDU2GXVW)\;9OKZT2ISB;);#/]$VT*B
MJH%8GI2XXL3U28D;B0H:3C>^X?1=#T?MJ[@%1?I0I9,ST:B"IH*J[S0V'-4R
MZACU7&O&47..6G#4DM&*T9IK;31JOT+:V9?Z0_7%T_>-=*KB1EI0Z>5-;@A-
M&36,6D8=HUX0SD?[:7LQ<%=2LQ*@+:TYHP577FK4M]KBJQ*@E=>,-EHY4`'-
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MF[CEWH2@='E=SLR7;JLW*5%ZS3)EU#!J&76"C&+YN*IN](RCYH*JJ`5'+3EJ
MQ5%KCMJ8*#O*J4%0SXWC9Y;;W$\PDR"C=&E=1OG"K;H32414&>5#HJ*&HUI&
M':->4'JBI1R$W]K-)*J29WY2XH(3EX*D#W'QRE\%:.&C?8BUK?)L/_BYHE;:
MM/6NI?V^92]OX(WB&:7+^#+8]%?F;@]1*N^44<.H9=0QZ@7A#DK:Y5R\NG#S
M>J8Y]BZ36[CFOHQ;GQ8G55EJ5/[-J^M7IJE_<7'=_(GLD4<GW68K8^B[)VM;
M]^*5.[J-'OVW3&;]\%PSX;1OW-Q*ZZ"ZN%14?;MF$K!IP)J`M0'K`M8';!:P
M><`6`5L&;!6P=<`V`=L&;!>PNX#=!^PA8(^66<%3GZ%>`)Y9VZ4M40LK*/W8
M:;&I_W;IY+:$E;G.K`GBVH!U`>L#-@O8/&"+@"T#M@K8.F";@&T#M@O87<#N
M`_80L$?+K-;8NYRC=0IW6Q!!5NMK]Y#,Y+:$%:V9-4%<&[`N8'W`9@&;!VP1
ML&7`5@%;!VP3L&W`=@&["]A]P!X"]FB9U3HU4<Z8U])SJ>>U(*>UV\1-;DM8
MT9I9$\2U`>L"U@=L%K!YP!8!6P9L%;!UP#8!VP9L%["[@-T'["%@CY99K5-/
MXPRMI:=3:RVH>II^<LML&K`F8&W`NH#U`9L%;!ZP1<"6`5L%;!VP3<"V`=L%
M["Y@]P%["-BC9498//GAE,V7YV=_KR87LFOY@=EOUOC?$YK4<8<9'L$F@FT$
MNPCV$9Q%<![!1027$5Q%<!W!302W$=Q%\"Z"]Q%\B."C@\X:OF%U_,)M<,&M
MJ0.KIWT$IQ&$W%*R2H?<#"$W0\C-$'(SA-P,(3=#R,T0<C.$W`PA-T/(S1!R
M,X3<#"$W0\C-$'(;Z.0^K],UN.!6UX&EWTLO5^K7[A8#)KSD5O=TX0"&<`!#
M.(`A',`0#F`(!S"$`QC"`0SA`(9P`$,X@"$<P!`.8`@',(0#&,(!#.$`AG"`
M@<X!O@OWW><"[L\-+H2E/W)06<-WZ.JXZEQ0DA7"&@QA#8:P!D-8@R&LP1#6
M8`AK,(0U&,(:#&$-AK`&0UB#(:S!$-9@"&LPA#48PAH&.FND1M'I%X"#B]Q8
MJOMU!U8MYE@))+""6`D80FZ&D)LAY&8(N1E";H:0FR'D9@BY&4)NAI";(>1F
M"+D90FZ&D)LAY&8(N1E";@.=W'&3[CNN"KE--[@0YJX*W8U.6*/$Z:2'-1C"
M&@QA#8:P!D-8@R&LP1#68`AK,(0U&,(:#&$-AK`&0UB#(:S!$-9@"&LPA#48
MPAH&.FNDCEJ]$GQ7/W]P(8VY:HMX8-5:`!=H!Z_<E(8+&,(%#.$"AG`!0[B`
M(5S`$"Y@"!<PA`L8P@4,X0*&<`%#N(`A7,`0+F`(%S"$"QC"!08Z%Z1>6^V"
MY_8&TILS<F>&QX%T>D-MB2M/(T'LS%*+N;IP<'?L(?\A3,M!?2H'\8E!>V*0
MGAB4)P;A,ZMNFD)WBH/LQ*`ZY4)TBH/FF:'SJI\-DA.#XL0@.#'H30QR9Y9O
M2SJU4[?M'+6E.V?4S@P/C^M'@-K:Q3LPJ$T,TF;FGA)QNPJH3:E0FQC4)@:U
MB4%M8E`[,WLHU^Y^'@Q`J3``,1@@*D=?@].PZI8Q/)%3T:'5`84GB,$3Q.`)
M8O`$,7@BL]`3J7EWCB>DV6<\D9GUA,29Y9X8/)&9%6+L;DW"$Y0*3Q"#)Z)R
MUZX<;$*IL$EFJ7U:UJ<KEPKG',)4+]B$RL$FQ&"3S.R'O7;WFK%T4"IL0@PV
MB<K=N'LL<`ZEPCG$X)S,JB_1P#EUG%U-!K[E^,RY8Q_O.HO"\*RB#N9DH'&U
M<X19;6[<'89&4Q&FY5IEU:?JE%7SL%=FM;EQ=]IG&E:5FRNKRBV4N7)NK5MJ
M6%5NI:PJMU9FR_GU:J-A5;FM,CMV_LOCNRI,Q^Y.657N7EEU=`_*[-'=N)[`
MHX;E5&>FU-&JEZ'ONQP=2&.L7IV$I1\<*//ZAK8IFFILE\M5C^3!8YG9A^9N
MW&4,;)?#TF.>Y5TOG?YP(KT#G!B\PZU;AV#$Z`W\;P?#F_0&\&;P!L,;.OF%
M[^`?@X)=<[5T=Z)\4K]NPL&',/47[)I9Y2_8-;-JS'?*W)B[(8%=<ZH=\QNW
MO,+!]`YP<&;V'6[=4@H'1^]P6]8A9^K4I*M-_=P**4T]X][,[-?;;]VRA$53
M4HU[A975$.[-K+K*A54I%[ZD7/B2<N%"RH7E*!>6HURL?90+,U$NG$.Y<$YF
MUCF4N].XZO/")A)7Q@J>H%QX(K,J%P:H<YW:J>]VCMK2IS-J9V:_FNG_#`;4
MUA;?X3PW56:_?$F_1G\(D^]-^ND,-^3:U<C"#7)8^*=,<5\;!I$PJ>U_Z!YN
MH=IPRRFU82!3>^0?T(.;J#;<=$IM&,S4OO(/SL%M5!OKU"FU84!3^_+6G13A
MQAQ0?6<!;CRE-@QJ:ON':V#6_'IXODU=PW/,*EU&8];,G%GYQ*H-RMJLQ+`T
M2;GLGL"8^75K3*H#%Q[J5&:]=6=>>)'*P8M4#L8[I1SL1^5@/RH'KQW*I2=-
M_:>$U:@.K$9UX"M3QS^'#EOEUZVMJ`X\=*AS9+1@I3K5K7NIRWB.E:0K::R4
MF5V\_%S!NB>I9>7&ND<,5LJLL@K6-6)8UR@7]J$X>(48O$*Y\`K%P1C$8`S*
MA3$H#F8@!C-0+LQ`<3!`9M8`E`L#4"[4KN.<VJF;6*O]G1?JTI0T)LC,?K4\
M./E)JC%!9M5%(TP@Y?!9RDG+KP/P10ZKO`)?4#GXXI1RL`J5@U6H'*QR*)?6
M@;$[+<`V5`>VH3JPS=$ZL!#5@86H#BQDZ[CE$G;*KUL[41W8R=3Q+3!8*[^.
M]03;`&>MU+G\`ZPE#5!C+6F4FN<9;OE4E<,J&V%]D51<^1<;^6L?N$W"Y'O2
M0[=U@,^D=CDL^.R4VK">J3T(KJNH-DQW2FWXT-0>^1TJC$BU8<13:L.;IO:U
M_QHSS$FU8<Y3:L.OIO;5K=N`P[!2N_QQ2EQ7G5(;'C:U\:R%_:4HF#@'A"9.
MK=8_P,32L2UN>3/`CV>FQZSQU43=0>.,*''EC@(<2PSVS*QZ4`>.)`9'4B[L
M1W%8YHC!<90+>U$<'$4,CJ)<V(?BX!AB<`SEPAX4!T=0'!Q!#/)3+A27N&C9
M2BW26O'G=OG24C729F;NH0TDKFS?(6UFS]U#*V'J%*A-Y:`V,:A-#&H3@]K$
MH'9FU8X9:E,<U"8&M2D7:E,<U,[,W$-C!K4I#FH3@]K$H'9FT?S&=<)9:N_C
M7==;F+E?HG'U50VS9B#,MEJOW.FZU;#\"?8_&M$%K`_8+&#S@"V4V4/Q/>FE
MAE6'L@K86IDMYR\@-AI6E=LJ,_?09*`J=A?$W0?L(6"/RD)/I*[@&2M`^O%M
M]WV9@3#K"8DSGB`&3V1F1X[OH>G;EG+P!)6#)Z)R?`^-4V&3G&KO-?A>,)QS
M"-/U"3:A(X%-B,$FF=D/R_?0.!4VH7([9;8<WT/C5#B'RL$YF<%\^LG@G#K.
M7O(.4SOQ'.=(^[$^=^QK_/32W$,35DV2Z4"8U8;OH94P_0183?+;5I\*SJD[
MH?L5!L[)S`VFNWS"`D/EX!PJ!YN$Y=Q:!^=0.3B'RL$Y43F_7F&!H7)P3F9V
M[/@>6@G3L<.:0^7@G,PJ>>"<S-S8N7TAS%2G.C.E=E]MIN_;FJ>_1DFKDW0:
MT04JFR!_S3T9:&I986"[G%KMJ;!@96;OMO`]-`FS]W/\#@5.I'>`$X-WX'MH
MX1OP/31^`W@S>(/@'EKX#K[K![OF:L_=0RMAZB_8-:=6<Q-VS:P:<RQTX0'3
M/30)LV/.]]`DS!ZPOU\&4Q\^EQXP')R9?8=OWD,;IL9C;>IGKJ[W\?YZ2WJ<
M=O?OEB6XM^YQ[E<TN%=8N0B'>S.KKG*Q0E(N?$FY\"7E8CFD7"R'E`O+42[6
M/LJ%F2@7:Q_EPCF96>=0+IQ#N5C5)*[,=*QJE`L#4"X,4.>Z)2PU'L]16QJ5
MYGR8F;LMX192J"VIY1-`[2B5>ST2AJ4Z]>X&_L8+W)#K5",+-YQ2&P;)85)[
MZ!N#<$L.J,X=<,LIM6$@4WODO\\#-U%MN.F4VC"8J7WMGR:`VZ@VUJE3:L.`
MMO:HW&_?SU*X40+*[\'`C:?4AD%-;7YF15X/+_M3*_,<LTKKTYA5VJ6X1"PG
MUA$U)H=UUU27)F)8FC(3]UPZT\.8^75K3*H#%YHZK@P\2"GP(#$8SI1QGPIV
MHQ38C1B\9<KXS2ZL13FP%C'XR-9Q)P#82%XW-J(Z\$QF]O>!_)T%K'-UJEOG
M4@/Q'.M(P]%8)[/G[ID-ZUZE6H<8K)-990W8A1C6,<J%78C!(\3@$6+P"#$8
M@QB,00S&(`8S$(,9B,$,F56?%P;(S-SDX%P8@.I![9HYM5/SL%;[.R_,I0=I
M3)#9<_?,AG7[4DV06761"!-D9B_,O;/ABQQ6C1U\0>7@BU/*P2I4#E:A<K#*
MH5PZ[_H_8P/;Y->K4R-L0W5@FZ-U8"&J`PM1'5C(U/';0=A)7C?K"=6!G4P=
M_U?E8:W\>G@.2IW*/\!:TO`TUI+&*"[7RZF)[YD-<UC]-^\'PM(/C)74X#I*
MWF&<?UMXZ,XS\!G5AL^BP_*U83U;VW?#8#JJ#=.=4AL^-+7'0[>)@A&I-HQX
M2FUXT]2^O7#W$6%.J@USGE(;?C6U;\9\`J3:N(XZI38\;&JC3>'OF4E`9.*1
M[ZG[]?&TWQ(;[.NXO9^R^M?$#H$5G$:PB6`;P2Z"?01G$9Q'<!'!9017$5Q'
M<!/!;01W$;R+X'T$'R+XZ*`]38Y2G[1>RY[9ZN_CO=S2:\7FO%IZ;MVSS9.!
MYE:;>#B@)&N[`@Y@"`<PA`,8P@$,X0"&<`!#.(`A',`0#F`(!S"$`QC"`0SA
M`(9P`$,X@"$<P!`.,-`Y(#4WSW&`-$/KTQ:N9_;M2^<`MT;#`25.Q88#&,(!
M#.$`AG``0SB`(1S`$`Y@"`<PA`,8P@$,X0"&<`!#.(`A',`0#F`(!S"$`QC"
M`08Z!Z3FX#D.R,U$/.FJ(KX9C(0Y![CO`<`!)4Z3X0"&<`!#.(`A',`0#F`(
M!S"$`QC"`0SA`(9P`$,X@"$<P!`.8`@',(0#&,(!#.$`AG"`@<X!J3MXC@.D
MFV@<(,PX8.2OI>"`$E<Y@"$<P!`.8`@',(0#&,(!#.$`AG``0SB`(1S`$`Y@
M"`<PA`,8P@$,X0"&<`!#.(`A'&"@<T!JR9WC@-S"LVN`,.<`USF$`TI<Y0"&
M<`!#.(`A',`0#F`(!S"$`QC"`0SA`(9P`$,X@"$<P!`.8`@',(0#&,(!#.$`
MAG"`@<X!J7-VC@.DTV;6`.V^E08_Y&:()9\AY&8(N1E";H:0FR'D9@BY&4)N
MAI";(>1F"+D90FZ&D)LAY&8(N1E";H:0FR'D-M#)G5IGM=QY_W?^S]2,I`=G
M?*!].1S`H1DQ\L]TPAHEKEH)&,(:#&$-AK`&0UB#(:S!$-9@"&LPA#48PAH,
M80V&L`9#6(,AK,$0UF`(:S"$-1C"&@8Z:Z36%UOC5?KK[E]__?#N[V^>("JV
M%,%>,?UAJ7VO\\^#D730C#&TJV86"(98(!C"!0SA`H9P`4.X@"%<P!`N8`@7
M,(0+&,(%#.$"AG`!0[B`(5S`$"Y@"!<PA`L8P@4&.A>DYE+M@D!MW*@K<N=F
ME+TB$'9[V"E@S@LK=_<AMK#T"WO5>N&>.H+^)4[7"^C/$/HSA/X,H7^&N&C1
MDI"_!-;'XWJE<$2)TV0X@B$<P1".,-`.__BY_MQIDW!?QO5KA$$\/>C)0./*
MO)P>&'[<;O]]F<'MP'48FSI&B[41["+81W"FL+K3,5>6?FCO&\>RJ&/T6)81
M7$5P[:!3(S50SI@,Z,S3\US*\+/!>G@8=PDTXRXL_<I<-1O<K5R,?8G3@AC[
M#*L_4X>A+X%U0??U#:A1XK0@U,C0JE$"ZX+N"*%(B=."4"3#Z@@A2`FL"[HC
MA$8E#@6=1JG%46OD.]HGSACIE-2GK7%FEYBOE2#4X)2PZEX8)I&42[\+5^6Z
MUAC$+'$Z5!`SP^K>*,0L@:7@T'\_"6*6."T(,3.T8I;`4G!TX8X08I8X+0@Q
M,ZR.$&*6P%*0CA!BEC@6,W4K:C&?.?N,I;MA5,LL/1)0C3RUI#353$$I5TY2
M4"BSZD0!@>0MRI2&0!0',8A!"\K%,D=Q&'=B&';*Q;!GAF_-J#P8XCK739?4
M#3AGA*5[8$8XL_2\SF&$A_SM4?PHX7XU-".<V95Y/M#?4L2@RSODO\OCSS\0
M0%XW`IQ2&IJ8TE?7;O6"0%0;`IU2&YJ9VB.W4D`_*@W]3BD-24WIZVJTG;YI
MKW^.OBG>7REDYO1U`X63F*0:?3.K%@:(*>6RF.YJ"EK*RT9+*@WA3!G_:!)T
MHSK0C>I`)%/'>PLB41V(1'6@B*E3'8\3).W&SQ%$=N]FPF5F9LUHX.Y70Q!)
M-8)(:KGJ@R"95:<#J$`,2QK5@PH4AY$GAI&G7(P\Q6&TB6&T*1>C7<>Y$4Z;
MVGJ$O_,*0/;&9N`S2S?2CJYTNJT^K,&X`A"&'Y#7A1DC+_4PF4L]?NA'PBJ!
M((:DEB_90HQ#N?W5L9M:$":_7M6!,%0'PASJ'#DL:$7EH!65@U:'<OO#*LN@
MTRUM0_\`W60W:W3++'7"JG'F%4S"RIA"-V'X#"4U.$/E,'Q')'W&@;MDQ7R2
M,N6H(.$II:&J*7W-/XRG=4IMR'I*;2AM:OOGJ""QE"FE(?$II:&Z*7U3/4[M
M9$_;WS]`=ME%ER-],TB_E(^3&637*8=%4>(*@\;$,#6)041B$)$8%".&N4<,
M(A&#(L2@`C&H0`Q#7C,[RNGO29A1_O=@_/;=#[_\9_K^R[OWGV!M_.G+JH^S
MCW?7`<KJ/HZR<KDY'2A[KH]3Q:D^;9VLL(M@'\&9PNKR?*YL_Y<;#G-XY/^T
MZ:*.T[=>1G`5P;6#;OC3CO6_-WFZI^:OSH29/H[&U6=^98?>R>6XK,3[9FTS
MJ&)T!*"([K;+U((B#*$(0RB2H3GI5(&YCT/'`C6X&-1@"#480@T#G1IIRUFK
M\=QDD"UJ&8`W@TO=MI;KU,D!FG'7P/HD/[IP)Q^,?8FKQC[#JDN"H2^!Y90T
MNG"G'*A1XK0@U,C0JE$"ZX+N"*%(B=."4"3#Z@@A2`FL"[HCA$8E#@6=1FG/
M6FOT?5=QE[(=-M)E9J[B1@.Z0:VI1DPI]UP?1W,1IT.%B923J\T0Q(P*4I<$
M8I8X+0@Q,[1BEL!Z[*F/$Q2$F#FY.D*(&16D(X28)8[%3+O56LSG)ES>W9J[
M")>9/=?'D3#3?5-63E*8;KD<E@D=3P@D;U&F-`2B.(A!#%I0+DX\%(=)1`S#
M3KD8]LQ,'\?DNNF2=I_GC+#L8,V\D!TL_CF<)H,^SJ6DFGD1I?)5LJ3B>ZC[
MJV0WY2"`E#$"G%(:FDA8+GWC?Y8/`E%M"'1*;6AF:E>]EOUI$_I1:>AW2FG,
M&E/ZMKJX=_JF_>XY^LJ>V>@K>V:\9:6O6^9Q$I-4HV]FU<*`&23EY%Z,?>H<
M6LK+1DLJ`^%,F2MWDH!N5`>Z41V(9.IP'T=?+\<#D:@.%#%UJE_0<(*D3>TY
M@N1-L%W2,GNNCW,IJ48022WG%PB2674Z@`K$L*11+E2@.(P\,8P\Y6+D*0Y3
M@AA&FW(QVG6<&^&T@:Q'^#NO`/(^U`Z\;&%QC5C-!-<OP4R05#/PPDP?1P+3
M@U6E'O=Q)*P2"&)P/:CQOZR=[7(<QY%%7T7A!UAA9D`00'@5(1`D0?!;)!]`
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M%?Q8P4\))AO8M?>X^Q\XW6=7DF6-8'99L>[HNWQ8QP&>2US8`@<HQ`$*<8!"
M'*`0!RC$`0IQ@$(<H!`'*,0!"G&`0AR@$`<HQ`$*<8!"'*`0!RC$`1-,#K`K
M^]$![=A]_^^5GO@205?W8A/,[@$-UDC?$\,:GDO<8`V%6$,AUE"(-11B#858
M0R'64(@U%&(-A5A#(=90B#448@V%6$,AUE"(-11B#8588X+)&K9.H-:X[_=*
M3WRY83*&L_D0H9`)0B$N4(@+%.("A;A`(2Y0B`L4X@*%N$`A+E"("Q3B`H6X
M0"$N4(@+%.("A;A`(2Z88'*!+6^,+CATB/#ED$EN62)AGQ>&V,XX71[F"SWQ
M&^)BOD#_GAP0_16BOT+T5XC^"M%?(?HW.*VN#H'CYJ2K%QRA'>((A3A"(8Y0
MB",4X@B%.&*"27Q;]!C%?]B5':L1>MK@;#I)%(8GG/&$2#O+/ZZ^U3K$A/3X
MH2<&Q`\*\8-"_*`0/RC$#PKQ0X/\$Q_.=-`#;]D4O-!C(A$O*,0+"O&"0KR@
M$"\HQ`L33%ZPY9;1"X<F@K8\,UW.LWLL1IA$%X;HC0U[$Y.^,#06AL3"4%@8
M`@M#7V'(V]CRCMA^$I/OXJ"XYTZ*2W\H+`R!A:&O,.05AKK"$%<8VC9V^W8D
MN6V]YSYRM_6A66YGD]S"D%L8<@M#[L:&U13D%H;<DHO<SNS=KUW&39J,L8#T
MAP7JW+3@@`4DEYW><WL-L(`P+""Y6$`8%A"&!;R_>=NR1;&%Y&*+,G?3MRW9
MPM:5[F,+7YR:3@><]9(\V=CCE.R&>6?8PMF\6?DK.UA%<K&*,WL6["!WNI&.
M?7I<S+?X1SK$/\[28-+M.OS3X@:/XI\Z-WVU&?](+OZI<].J$9[RN%Y`/.5L
M?Q'P68^+(F"T!H<-P6@>N+\(&$UR,5J=VXN0C&9+6?<Q6EOZFN<?9[TF&$T8
M1G,V;U9^/PE&:W%#23":Y\XUWJ8[9ABMQT6-,9K#/D",YBP-)BTM8[06-PP&
MH]6YZ8(;HTDN1JMSTY=5,9K']3%C-&?[BX#1>EP4`:,U.&P(1O/`_47`:)*+
MT>K<7H39:/;:R,EH#SO'7;I)*Z'.>)A';.T3GH2J$UTP>P=UGZSRL[Z>1NY0
MJ6?!ED<&#[E]_EYN?3X?XV(P5P&'#E\$6UZ(/728)ISKB!MR7P;+N6G6?15Q
M0^[K8#DW':#?1-R0^S;8@2*\&^.B".\##AW^$BP/)A7A0\0-N1^#Y=Q>A.0_
M6YV[QT1G#^W-7RT+9J^B'C1+!R?,Y[E]W[U<V?B="XW#:)[;XS"5,#PEGX&G
M)`[_2!S^D3B\(G%X1>+PA<3A"XG#`\*P@.1B`8E#;HE#[C$N26NK:_>1UE?C
MQI,E>X*JR6VO]QZD[8?-9?]&6H^;I(U<_SE..B@QH4@2.D<2_ZX?N,V+,&@?
M<:WSTSZ_+B/""-(Y1IB3TE9@BM8^[$^8HN<,`\H/B,<H\GD8I>?:)7=^:C"N
MD21<$TG\>WL%<%+$M0IL\\N[\)7TCJ_FK/QU-DS6`H8:8+*>-`QIJ$$RGBWH
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MO"0,,PC##,(P@S#,(`PS",,,PM!?&/H+0VMAJ"L,=86AKC#4'5E2UU8@1W4/
MK"`_]A7+249G_2P4&84AHS..)7UOWN6]&6E[7!Q?T%8AXBI$787(JQ!]%2*P
M0A1ND/7:&!$*]\!Q<](1%-5[7"0CNT)T5XCP"E%>(=(K1/L))O%MG7$4_X&G
M)+Y<.7G"63_5P!/"\(2S]5:2_)@%/_28*"!^4(@?%.('A?A!(7Y0B!\4XH<&
MN3<3(\(//7"9_OD6>K^^7$YD\$*/B42\H!`O*,0+"O&"0KR@$"],,'G!E@)'
M+QR:"'SI<!+=V22Z,$1O;-B;$%D8&@M#8F$H+`R!A:&O,.1M[/9;,(MR*.ZY
MD^+2'PH+0V!AZ"L,>86AKC#$%8:VC=V^'4EN6Y"[C]R^@#?)[6R26QAR"T-N
M8<C=V'"I@=S"D%MRD=O9O#B9;[=@`>D/"Y2YP^V6L(#DLM-[;J\!%A"&!207
M"PC#`L*P@/>W?]NPA>1BBS)WV+;9%J=YX?7`++#$IQ768+TD3S;*+E<V;Y;>
M2M+<9VONO+B]2?/M\S$NYMNK%?8!OEA9&DQ:K;N.N,&C+X-M4FZZ(GP5<4/N
MZV`Y5RX=M`AOU]S]17@WQD41W@<<!O-+L#R85(0/$3?D?@R6<WL1DM%LA>X>
M\\^IK^B-\T^PKB-&\[C.,)JS61^]E>1QPV9A-,^=:ZRWDH:XJ#%&D\%@M'HP
M:?4"H[6X83`8K<Y-JWP837(Q6IV;UHC>K'&]@!C-<_<7`:/UN"@"1I/!8+1Z
M,*D(&$UR,5J=VXN0C&:K=*/1'G:.>^J+?9/_&AN6.?"?Q_7RX3]GAVXE>=P@
M.?[S7'O[Y+H"LMNFU1,FNAX7I<=_,AC\5P\F33CXK\4-&X?_ZMPTZ^(_^5S\
M5^?*U9)^+O[SW/U%P'\]+HJ`_QH<-@3_U8-)1<!_DHO_ZMQ>A.0_6[8;_7?H
MB.K+?)/1G!VZE73J<9/YG/6+\Z<;C<-H$H>IA.$I^0P\)7'X1QC^$897I#^\
M(G',2\+PA3`\(`P+",,"PI!;&'*/+$EKBV;WD;8MLDU?ASAU=NA64L1-TGHN
MQ[6T(KR<L**S!_0D=*X^L+B5%''>^?"BVZ5SC""=8X0THG1TP162A"MZ4I_B
MMODF`$Z17)S2<Y=K[KX7+J/$-I*$;9Q--9<28*6Y\]VCU#O&DMXQUIR5;S'@
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M#">?B+F$8:Z1)3_9`N0^/]WQ)ZZGOI`Y&<H9#\P+ISS91.``L8]&8AF%>$8A
M!E&()Q1B"H6X0B&V4(@O%&(,A<PT"G&#0J17R/2B$+D5HK="!%?X*<%D`UNK
M'&UPZ)S8XO,JDS-[5-4ZW>_R.[9Q0(\+6^``A3A`(0Y0B`,4X@"%.$`A#E"(
M`Q3B`(4X0"$.4(@#%.(`A3A`(0Y0B`,4X@"%.&""R0&V+'D?!_@RYK3#.TL.
M2(L(.*#'#0Y0B`,4X@"%.$`A#E"(`Q3B`(4X0"$.4(@#%.(`A3A`(0Y0B`,4
MX@"%.$`A#E"(`R8X.^#LGBO-2WR:`X(E!_2EH.58^60SQ'4'%/!I%?FL@L\K
M>%7!%Q6\KN#+"KZJX.L*OJG@VPJ^J^#["OY2P0\5_%C!3PDF!]A"WCWF@#-?
M^!OG@&#3CY8+>,E/%-LQ9(A$;H7(K1"Y%2*W0N16B-P*D5LA<BM$;H7(K1"Y
M%2*W0N16B-P*D5LA<BM$[@DFN6W=;)3;KEGM-<=__<_7;Y__>77SC]^7J]CR
MG4CCTU7/?`%N\H&S^:D&^6%CS`0];I@)%&(-A5A#(=90B#448@V%6$,AUE"(
M-11B#8580R'64(@U%&(-A5A#(=90B#448HT))FO8&ENVQN;1?9]J8.]MSZ>)
MP8;='A=XX`"9(!3B`H6X0"$N4(@+%.("A;A`(2Y0B`L4X@*%N$`A+E"("Q3B
M`H6X0"$N4(@+%.*""287V!K8Z((#5P5GOF8VS0/.^FHW:@M#;&?3D["*KZ(-
M<3%?H']/#HC^"M%?(?H[[&-$_AXX7,WDA2`<T>/BHW&$0ARA$$=,,)7?UH3&
M\C]L3?',EY8F560)"E6$H4JP/<\5&&*B`BC2$P.BB$(448@B`=>5`Q0)=NM8
M4*/'Q,>BAD+44(@:$TQJV"+*J,:AG:$MNDSW%LZ<]25:RBZ,LC<V?1U+&566
M.(HLC!K[9VQQVW!IGNY94G:/Z^.C[-(?919&E8519&'4N+'-K6-)9;>EC/N4
MW9<^)K?'<LCJ)LHNC+(+XW@CC+(+H^S!.*H.)4X+H4C1X\*AU#W@.D#J+HRZ
M"Z/NPJA[L+V#08L>QV!2X6VQX#Z%]\6%J?#.NI\HO#`*+XS".YO>T[/+:_J(
M(;F(T=APWY["E_WEMQBAA?2'%L+0HNPOCP]])!=]&AO&AQ9E?\/XDCQV)3_*
M\\"#@R\(3*HYFY]-O4M?.D))C^OJHF1CP]T4E(S^<%O?-?*W?5!2^D/)8)RF
M]-SAB8U^_VF(&W:K2!YWJ\:&`2*EQVWW#A`II3^D#+9W@,C;X_*NMN7EB:KE
M=OM?'(WV'V1:YKP&L[(MANHERS=-GJQQ@WPKZV="3X.-CQ8/-CR(XGFP(>ZJ
M8"^"#;G7*^N?^S+8T-^K8$/NZV!#W)N933O.EB?=SL4^5&*_@A[VD-8'9=\B
M:B]Q_L49)8ZK[]6`EP6CQ/$91\OML[1@^FQM[U)1[LCAWW4,<L\<"2+.^TXW
MS]##`WKGZ"$,/>:.TI$-;20';2*'?V\?)'I%7!OD\%6#))Y=L_Z_9[VMO<HE
M79=V-A\S4[G0U'-[N="TL6%20=/X#'\Z_'SK'4U;^W`,0%/OIWL-_>9^TIUW
MY)-^D$_Z0;ZYG^0QY)-^D$_Z0:K43_\*1I+*+BR_@U1^?=I+<H')7;[Q='8K
M=ZHC;KQ3O;+>'U)%?^T!U6FU&JE:^]`/4D4.I[.W.QOY(J[UG><(])/.T<]9
M'R3ZS1VEHS'Z23_H%SE[!XFF$=<&.3S(.6EJ5ZO[-+W;W6*^3U'L?\&&N\4]
ML$/V-HU$0X4(IQ#E%"*30J11B#8*$4<ABBA$$H74?X*IYG9-NJ_F=WH#\-9>
M\2)37K!^V&5^:W"8RZBX,`HNC'H+H]S"J'9C]JKV]6PMX/#!%%N2J;4P2BV,
M2@NCT"-+=;;KTK'.A\X+_#JV[Z-,3,[Z9E%/8=33V8'%KC$NZD21>W)`JJR0
M,BO$U`[[&"ES#^R3F;Y2;(R+CZ;V/3D@Q5=(]2>8RF^7HF/Y'W0]L[5?%(C-
MG?4C-JH(0Y5@L<`D/Q?$]3TF-A9%%**(0A11B"(!UYT!18+=.A9VA!X38T$-
MA:BA$#4FF-2PB]%1C4,[@U^\3CN#LZGLPBA[8^-B5\&HLL119&'4V#_CU@6F
MY9*1LGM<'Q]EE_XHLS"J+(PB"Z/&C=UQL6MK7R>_5]G]HG(J>UQHKF["[<(H
MNS#<+8RR"Z/LP3@77$]^=KMT28`4/2X<2MT#K@.D[L*HNS#J+HRZ!]L[&+3H
M<0QF]KM]\?@^A5_BTW5WL.ZG)UMEEP5[NK(#BUUK7/^,Y\&&"XFK8)NYOV$Q
MR?<!'=_UFML_X^7*YOYDL6N-Z[FO@PWC>Q/L]O$E>>SR<)R.'G9PV,15YNJ\
MBVVP`XM=:US?,I1L_0UG+"CIG[%_+>G9&M?[0TG/M1?<#[M5NN1#W1[7=ZL5
MKAN'E#)`I+S3`%^M<7V`2-D_>,\`D;?'Z:YFUX]9RSLM=FWBRG/=0N1S=FBQ
M*^+ZUB"?Y_8S(>1K;%A,0BJ/Z[E()7'((NQ%L&'!"E6\O_ZYJ"*Y*.!Q_7-1
M0.*H]LC2CF,7=F.Q#QS'[3<&^?0IV*'%KHCKPZ7$WE]GE-@9<TGQFP3*+3F4
M.W*8P]<]@\O6>5$%"2+.K^3[XD1,>-(Y>@A#C[FCX>?92T>((TF($TE[1XE@
M$==&R670NAU)/KLN'.5[X+P7EY?CCA,,\ZP5U2>4;7'NXHBN(*HV-L]['L>\
MM_R`8=VBI5ZH*OV@JO2#@G,_O3(AH/2#@-(/`L[])*>@G_2#?M(/6J5^>D=)
M*KNR_`Y2M0M4'!(S.W-<,(:R2E4L=WG<L$R%5"V7(TKTQPX8_?F/#40JS^D_
M\$"JR)G&4.R`$=?Z/LZWF*.C89#HYQ_8!XE^<T>;9`0$]*0^2@2,I+VC1-2(
M:Z/DZ91K#9*J=L6Z3]4[+GCQ`#*=5^-JN*]M<<*H$!$5HJ)"]C*%:*>0_4PA
M1RN%J*,0>10BB4(T48@`"M]6\%T%WU?PEPI^J.#'"GY*,-G`+I5'&QPZC/JE
M=3<T>[$S3BWZ7KS31>LA+G99'-"3`^(`A3A`(0Y0B`,4X@"%.$`A#E"(`Q3B
M`(4X0"$.4(@#%.(`A3A`(0Y0B`,4XH`))@?8A?Q]'.`7_I,#G`U?<F2'5XC<
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MQ8/#JQ8VBJ<]%RUFR-J/.T:P*T=PS`BX%5/T=LP(VJEJKL$Q(S@N1W""G=IB
M=L[94E)6I8O/V6)/KH>K%IM<2F]N;6HI5=B1LRMS=N3LRAP&4'Z^;4PU+CHJ
M^Z'\I?YF[*J?#0W\I%JWW%:9SY<E9&VS1=_S9457VSC\;<AC"4K;.#AMR"O;
M?MZ<_USJ:?M6T=<%!BCCV:>J/>KG8_JO9WML4;G"OOUVSA<7J^K8%\_.EV^5
MZ5;:_46K7*6;W>NSRE5M=@?,\BI=[8Z4Y55M?.OOV,99;0/?G3RV<59MY#VR
MO,IWY#VRO*K-OFQK>=58[+NOEE>U\<O1HW-^*5KMZ?PP\^B<'V)6;>1M+*]R
M`7D;RZO:R-M:7N42\K:65[7QW$4;9SDG\MQ"&V?9QG,=3\Z7Q^6J)^SAN.<\
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M;6R?^:4\<V$;S"]EV\5F9^=VN\J#M-F9\JZ:=VGC;(`_Q3AIXXR`/T7;Y8:#
M_%/^%&WOK.WC;6W;(ZM9Y?GKS=8\P4.JM=:7FZWISK,1M>V=M;V_K8UCW$=[
M7F:5=W1J;=6YS?6&LY&7_"GRV/8CV_9J&]CV(\92MKW>V)D*?XH^KTY/SJ]Y
MIHN.\A4M;\J6B[/M^;/Z^NYL=_Z\OKKCT/W\EB,WE7I:5^J"`_>G\KA]<89]
M^/F/CON"@_:G\IA]<<8))3^-T)S+I;!579_3<E56]?(QDSVO[=#>KFEY4[9<
M/CX^?\;;&*J<X_-790O?!./DL!H;JP6T5*I>8,Q/I6<OF#H^M9GCQ_4P^_6G
M/__[U]]O7O_ZY?=__.OK#W_<_,8"Q='R`]TO[7?;[7^^??XW"Q=_^N$OG[_Q
MF^[E/_]^\^O?;KY8-,O@OWW^_"W^ATW\\7\_?_F?91'DI_\3````__\#`%!+
M`P04``8`"````"$`N9'-*<,$```9%```&0```'AL+W=O<FMS:&5E=',O<VAE
M970T-BYX;6R4F%V/JS80AN\K]3\@[D_`D)`/)3DZB=GV2*U45?VX)L1)T`*.
M@&QV_WUG,`D><PKL37;#/)[X]<S8@]=?W[/4>A-%F<A\8[.):ULBC^4QR<\;
M^^^_7KXL;*NLHOP8I3(7&_M#E/;7[<\_K>^R>"TO0E06>,C+C7VIJNO*<<KX
M(K*HG,BKR,%RDD465?"U.#OEM1#1L1Z4I8[GNH&314EN*P^K8HP/>3HEL>`R
MOF4BKY230J11!?,O+\FU?'C+XC'NLJAXO5V_Q#*[@HM#DB;51^W4MK)X]?V<
MRR(ZI*#[G4VC^.&[_M)QGR5Q(4MYJB;@SE$3[6I>.DL'/&W7QP04X+);A3AM
M[&]L%;*E[6S7]0+]DXA[J?UOE1=Y_Z5(CK\EN8#5ACAA!`Y2OB+Z_8B/8+#3
M&?U21^"/PCJ*4W1+JS_E_5>1G"\5A'L&BE#8ZOC!11G#BH*;B3=#3[%,80+P
M:64)I@:L2/1>_[TGQ^JRL?U@,IN[/@/<.HBR>DG0I6W%M[*2V;\*8HTKY<1K
MG,"(Q@GS)MYBQF;!L!='S:@6R*,JVJX+>;<@:^`WRVN$.<A6X/FA3,WCJ?7_
MI()&=/(-O=2^0$4)\7G;+@)O[;S!FL8-LU/,W+:>C,\HLG\@N(+HES\>M&.,
M(>&#P/"!I*<N6"U=UX\C]9@^PG3Z<W/V7<0@]EW"-Q#>10PB[!*:$R+0_XQ`
MA%'@8V%WCP?MPBX"WXC&"(:/8,)^AHB:4E&8C3Y4:W_T<!!P6F(M6$"U[!0#
MG\_DFU%B/TCP02+L(XA.J#0].\?IQ$$;&S+DJ6$13*F*G6+Z=`X2?)`(%;&H
M"[V=`5$84(7]$4384,86AC+%]"D;)/@@$?811!_L8Y^/(`XR,C4P\G"GF#Z=
M@P0?),(^@NC$%D8['_KCB+`1Q\"L1,4$=>ZPF>NZ-,Y[8@\Z=J[;IUU[J-L#
M7Q]/="T_HPMA4]><SGNGF*G2Y;5541]D>V*=&IJY;O67AC74K;.@/0")'@;;
MI!ZH<5M*/<I49E9>`_6EY##"AY&P%Z%J\=C7TG*D6M4LD).B4W],0;UJ!Q$^
M["7L1:A:[`HTM?U%R%0/0<\)LPH;J"E#II>)2E@*P/N&D96<`'ZWD$,"3.>Z
M!ZH.^X/QZE0W0=69M<@4I(IQ8?8UQ+ILZZEI.?6QGE9NM3DD@_U9^\M4$Z2/
MK@GS<PJGYD#D<)19C4MCGV$*\IDZ?MV):Q#[#M&1:+I@!A%V7;0$%8JM@!:\
MD86H&@@2Q+F18#M\P8+5@+D^^QWCK-P/(WP8"7L1JA;;@\^K54T%Y-53R**[
M[?1U'DU)#B*<#2)A+T+58I.@J1U(7M52D)AV#G^F(+7M3/4MH9'8;^=D/.MN
M6R$%2'M`M6&;,%Z;:BJHMK;TZ[GOH"`Q7YNNN*V71AFQ&B7+R5CF&>:0F#VW
M;2ZH)FP4QFM2;071-#=FO8-+%56#^$K/C)?5?:^5]UKQNN:'GI4B=1.C+BHR
M49S%7J1I:<7RAK<L'C19SZ?J!FC'5G![`*^WQG..-T/XW'D:X&+F&IW%[U%Q
M3O+22L4)7+J3.6PWA;K:45\J>:WO!`ZR@BN9^M\+7,$)N)=P)P"?I*P>7_`'
MGI=ZV_\```#__P,`4$L#!!0`!@`(````(0"J!J4^$`,``&8)```9````>&PO
M=V]R:W-H965T<R]S:&5E=#(T+GAM;(Q6VV[;,`Q]'[!_$/3>^)*+ER!.D:[H
M5F`%AF&79\668Z&V94A*T_[]2,MQK21-_.(+39[#0U*2E[>O94%>N-)"5C$-
M1CXEO$ID*JIM3/_\?KCY0HDVK$I9(2L>TS>NZ>WJ\Z?E7JIGG7-N""!4.J:Y
M,?7"\W22\Y+ID:QY!5\RJ4IFX%5M/5TKSM(FJ"R\T/=G7LE$12W"0@W!D%DF
M$GXODUW)*V-!%"^8@?QU+FI]0"N3(7`E4\^[^B:190T0&U$(\]:`4E(FB\=M
M)17;%*#[-9BPY(#=O)S`ER)14LO,C`#.LXF>:IY[<P^05LM4@`(L.U$\B^DZ
M6-P%$^JMEDV!_@J^U[UGHG.Y_Z9$^D-4'*H-?<(.;*1\1M?'%$T0[)U$/S0=
M^*E(RC.V*\PON?_.Q38WT.XI*$)AB_3MGNL$*@HPHW"*2(DL(`&XDE+@:$!%
MV&MSWXO4Y#$=CRG9<&T>!$)1DNRTD>4_^S%H(6QPV`;#_1`\&TTC?QP`UQ40
MSR;2Z+IGAJV62NX)#`M0ZIKAZ`4+`#XO!!2@[QJ=8QI1`KEJJ/[+*O+]I?<"
M%4M:GSOK`]?.)^@\/"#MF(%M.#,Z(S.6%%.YLX8^37B>!NH[G`:=H2>]Y"/_
M/7W+;'TF/9_I>69P&<Z,SM`#E_JXMM9I`#7,PW!J=&ZHN^*V%KAU38S\#^H[
M<ZEP18S'L+`N3Q)&N9RM!?K:XQR?KRQ,X'!YZ.Q264NS33@3B;MT;RV@E'`*
M1;@L!:-<_-;B2IF<ES)W.2]3H;-+92VG4@+HP+&6\?QJ6YHPE^%@<M5\,/(!
MKOY>"2_+:;R/V.SV<480+O@>,C9GXL]'5]L38.`126MR)<W.-PB79)_XBB2[
M.T!0MY@:`$@6+<ZXP4'E(#?S%EWO4;=5O%.T)E=0="3(GFIV]R^YVO*OO"@T
M2>0.3ZP0]O/.VIVFZQ#3/K9/%FM[RGK=%SCE:K;E3TQM1:5)P3/`]$<1]$?9
M<]*^&%E#,^"XD@;.N>8QA_\9#GNZC\W,I#2'%RQ8]X>T^@\``/__`P!02P,$
M%``&``@````A`$'S^8`4!0``G14``!D```!X;"]W;W)K<VAE971S+W-H965T
M,C8N>&ULE)A;KZHX%,??)YGO0'@_`BV(&O7$/3M[YB0SR60REV<V5B4;J*&X
M+]]^5B]"6U#JB]'Z[UI=E_X*77__K$KOG32LH/7&CV:A[Y$ZI_NB/F[\?_Y^
M^;;P/=9F]3XK:4TV_A=A_O?MSS^M/VCSQDZ$M!Y8J-G&/[7M>14$+#^1*F,S
M>B8U_'.@396U\+,Y!NS<D&PO)E5E@,)P'E194?O2PJIQL4$/AR(GSS2_5*1N
MI9&&E%D+ZV>GXLRNUJK<Q5R5-6^7\[><5F<P\5J41?LEC/I>E:]^'&O:9*\E
MQ/T9Q5E^M2U^#,Q71=Y01@_M#,P%<J'#F)?!,@!+V_6^@`AXVKV&'#;^+EH]
MQ:$?;-<B0?\6Y(-IWSUVHA^_-L7^]Z(FD&VH$Z_`*Z5O7/ICSX=@<C"8_2(J
M\&?C[<DANY3M7_3C-U(<3RV4.X&(>&"K_=<S83ED%,S,4,(MY;2$!<"G5Q6\
M-2`CV>?&1^"XV+>GC8_GLR0-<01R[Y6P]J7@)GTOO["65O])4206)6V)I3UG
M;;9=-_3#@WJ#FITSWCW1"@R/KP46P;4[+M[XJ>^!&P8)?-^F*%D'[Q!TKC1/
M4@.?G2;J%`$X[3R#-W?/7,P]\ZSPI3S)`=T-&G>#33<\Z?'-I%\#Y9,@O5H0
M*9IW]N4*I";6-'TJC$!!XAXH%T,M3->IY5J*'%Q#H+IKT7$(&O=^F?DLL88N
MVVH$DMY7=;GH5F6$.S=]WG?%Q:8K.1*+IM7;!;K.#@4M^4:9"(;/,SW(D02P
MV@6#4CP>#&>OMCU$`A>3">2S3)]R)%X:/N-QGR#2?=Y/(!>;KN3(,($1+-O=
MKE#;6Z"ON-P"2N30B!''@I;(^T$)M8BJ+U&*EEVZE'>)&A?O%FL<RQ@IR.`>
M.VK(*"2.;VQ\OHL?"%H"!29UVTX8`%X--D/$">">3JZV:HE#.YM2Y))-BRH3
MM>QHHM42]V>"JJ54N7BW^,)KB1:3&(B&I+D.Z53#BWYE!M4BBS\300^I(PR,
MUG*$,8COK`D70\A$(Y1)\8US,7H(,T)MMU#/3%7$*WKZ2M_8&?P,<N]?H;9P
M$..>GM*[4CFT$+)@)'"03&9<3#-9>QW26RC&_7%MM!"R*'2_OD)M>9,\&N(`
M6:#A`>'I>"1PX+,[!]-A5J7():N@>:"F7&W5-,5]NZB:2I6+=PM*`@OI=`XZ
M.G70Y8\4L#(#\7':=YM94XM&$S4=0@C)H9&:6L`1`;D\\*`A>]307,]CO.S/
M4S.D$1[-IQ,YQ!$:P5$2]N>.Z?4A'"%)&OVL5$/#1/*-H/>E<R+%1','JB$C
MD8GV"F2$A$<PX_#J(9]J]-"$(:LC$^U]Q/3Z$&6P1(KA[19EL$69^[TNU/:)
M,7B'<J8+YB1P?N(1:HLNB<9E21>ETG=%#R`SJ2-TB:9/##RDBQHRZ)+$-QXZ
M\$-T$6JK7V_1!8_09?K$$+/LFO:GG<JJY(]+5BW23#141QC]O+)?2;""CG:H
MW:JI11S!A00J-K&,(7JP&H*-TY^DX8T3`VZ8'FADH39KJH8TT,D;)WFM4Y'F
M2'XA9<F\G%[X;=("+FJZ4773A>/5#MH%SKS!/XO53EZ"V?]$JQT:FP&FEF/C
M$4R07!E82N"?Q=@<%(*342^(KUC\$W3FX'+LG!W)'UES+&KFE>0`X8:S%&K8
MR.LU^:.E9T@A7)'1%J[%Q-<37(,2N$<*9R`^4-I>?T!*@NYB=?L_````__\#
M`%!+`P04``8`"````"$`]AGS.[\5```E<```&0```'AL+W=O<FMS:&5E=',O
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MT!VH9C][V'U^=_XA6@_SU?G%^[=C`_W?S>[GH_/_9X]?]S_SAYM/S<W]CEJ;
M=%(*?-SO_U2FY2>%J/*%J)V-"@P/9Y]VGZ^^WS[]S_YGL;OY\O6)Y)[3':D;
M6W_Z.]D]7E.+DILW\5QYNM[?4@#TW[.[&]4UJ$6N_GIW'M.%;SX]?7UW/EV\
MF2\GTXC,SS[N'I^R&^7R_.SZ^^/3_N[_M5%D7&DG4^.$?AHGBS?+:+*:+LG'
MB7HS4X]^\L4G]N(G*I+;,6KZ:2I&JS?1;+)009^HMS#UZ*>IMSQI3Z7C=>CG
MJZY#HVNL1S^YWO(E\:U,/?IIZBW>S.+Y\G)4X\2-1=1QQBNJ_WG5)2/N`>I_
MN.:+&C.B/J.O:3O/Z>:,N*.H_WG=M;BK1+:O1"]J4C48=)2VL[RT4;F[1+:_
MG+SHA1Y<XUA-KIZNWK]]V/\\HPF0FO;QVY6:3J.U<L:C5"MZ&+?'ABV-5^7E
M@W+S[IS:F$;D(\TU/]XO5_';BQ\T/UP;FXVTB7R++5NHR4"Y34*0AB`+01Z"
M(@1E"*H0U"%H0M"&H`M!'X+!`1?4^`<%J(O^$PHH-TH!;KL-`RM)(,B6+;A*
M$H(T!%D(\A`4(2A#4(6@#D$3@C8$70CZ$`P.\)J;QK=H[BE-37A9XOZM:M$"
MY/7OJ=][-]HFFM$\<!@%<]]F:VT.C2Y1*E$F42Y1(5$I4251+5$C42M1)U$O
MT>`A3PYJ+"&'FAA?.?\H-S2%T74.3;]<S?S&WQBCDP)9FX-`$J4291+E$A42
ME1)5$M42-1*U$G42]1(-'O($(BW^"8&4FU$@;M:-(3-:=`Z:+9;A'&6MN&(B
M42I1)E$N42%1*5$E42U1(U$K42=1+]'@(4\/:BZ@QQNUGWWZ>G/]YV9/K4EK
M#9C/IK0PZ^5:.?'5,&0Q/2P@6XD2B5*),HERB0J)2HDJB6J)&HE:B3J)>HD&
M#WE-3]L;K^E!$],NG]M86?MM;,BE;6)!$D%203)!<D,FM.@=QM)T$BQ0A;7B
ML51*5$E4&V0#;P1I;34WA&`*[JP5A]!+-'C(DT`E!^1V]96]7SGQE3%D9I41
M)!$D%2339!H?_.2&J!/)09GY--CX%M:*FZ64J)*HUHB.'ERO,48VA-96.Q%"
M9ZW852_1X"%/&3H8_KXRRHFOC"8Q-:D-GA(Y_LJ^M58<?")1:KS;QLHTF2W'
M$TL\B8+NFA_*V6UA?-BA4!J;2_81C+KJ4,X^:DWB,7TRSL>-L3D61WLH9Q^=
M)I&-HS<VQ^(8#N7DPU-.'<P]Z4[/:Z.Y+Q*CN5J$^`"X6`8ML77,^#X2P%)F
MCE`&Q30Y'RX0AQ-<;JSFL=8B#G;?A71<,J+6.>ZX8L=J!?WQ/HZ#.ZM-N2LI
MHY,1M^Q81[Q8!!%WIMP9X#VCDQ$/[%A'O)A;Q[[VZE3J3JC/:*\/L;3/9@$W
M*CFCQNS<O='%,AA)6\>,JR:`I<Q<[<T5+,J-51R->D27P=4*Z:64J&(ONHVB
M<.]9<[DS4*67EJUT+//IRI^;.EFEEVA@+SJ6N=.U?;W4L?85>BGS8*P:%.AE
M^\<X(VW5@F5DM7I)EK*=%2>3*#>(]0KG[T)6*26JV(MNH["+U5SLRF4BMM&U
M;*7EBB\7H5RB2B]#&=B+#B6.[8+NRZ4.OJ^0RYR3W>%E4"!7$/56G7R%7)*E
M;&<;)),H-\C(%9ZC"UFCE*AB)[J)5DN_G6LN=M4R`=O@6K8R:H6:=_*ZO40#
M>S%J.0N3KY8Z!;MJZ63HN+L4^8B7'[948C@<A`;-::=[6'86RZ"-MER3S.P@
MM%69I6QG&RXSR-V*,IJ-DV8X3Q722<DU[&:R8J3..3_>SX*)MS;%WD*H`W8B
M:=F)CB2*@^U<9\KI!]]BSU5L*`,C'4HTM6/"5U6=I8^H^@H1S8G<'9H:S2S:
MJLS5.`QIG^SH>NGW_<0QXQM,#9OIYU<J^YTQH@8\.`.;'GU-FB"4(HM9D$$I
MV(MU7#*BC=]QQY6QHLXW.HX"E6I3OK".&W9\,N*6K8QPE^'RW;&!]=PS.AGR
MP%:Z+:+EI6UYOT^H0_ZI/O'O_3=:-F$6Q3GBJP<FX<AF9(?L]F!F60)8"E@&
M6&[8E'YR]RF`70E8!>K6@#6@;@OL.F#7`S;X=7TQU''?%>.9/:C)#MAAMXD,
MHH,<-\@6L`2P%+`,L!RP`K`2L`JP&K`&L!:P#K`>L,%G?J.KD_PK&ET?_&DA
MY0;>T-E3SW4T3`ZSR&(9;'^WCAE730!+`<L`RP$K`"L!JP"K`6L`:P'K`.L!
M&WSFZZ".Y:_009_B/1T,HL<:W,#;2+($L!2P#+`<L`*P$K`*L!JP!K`6L`ZP
M'K#!9UZCT_;$;_1??.H]^AF/5W8$+%?!46K#5B>?.SE&K&("6`I8!E@.6`%8
M"5@%6`U8`U@+6`=8#]C@,U\QE0-PA\FO*F9R"<X\1J><<1[S'T1=!KN=K6-F
M!;)5F:7`+@,L!ZP`K`2L`JP&K`&L!:P#K`=L\)DOD#HV2X%>F9F/S>';E<<@
M]\D4FSDL`2P%+`,L!ZP`K`2L`JP&K`&L!:P#K`=L\)FOA3I'NUJ<WE#%YMCM
M-KI!-KV\92N+$HE2B3)&IQ].Y8X9CZ4"L!*P"K":F8VW811$$IQA6\>,(^D`
MZP$;?.:KHL[!KBI.=N'EY]!8GZ;=#0`C9_V7*)$HE2@SB-ZQ=#9UXGE5[IAQ
M$Q6`E8!5@-6&.0?^QC&SBZN(I'7,.)(.L!ZPP6>^6.I0_?MBF72`.[(T>NZ!
MEGI;E$Z6RHQO*P$L-<QIN,R@XP^UK`&[+MB-'2PE6QU[GE19`W93&T3K.*.&
MK8X^VK(&7*<SB';-C'JV.A;-8`VHCB]E>-9_9C;D`_SAXAOUU&G,ZI`H]J1S
M:7.^.F7NF''<"6`I,SM>,X/4C\,%9*;'6)G'6Y&3QAP#*-B+;?[2(+47/NZX
M8L<Z/QHM@SNKI>.&T<F(6W:L'V_-H^"Y66?*G>[;,SH9\<".=<2SQ9'<7_RZ
MU,)H[C\N8>3GWR^#)-O6,;/:FZP$5666LIVK/2<O#E:YL:+MUOBX,=B*%M))
M*5'%3G0338/<<LW%MK,TTDG+5CJ2*'QPT\DJO40#>S']:V);SQ^I84["62%_
M(_\>R]P%HV?R[XX9*Y@`EC)S5=47=>;OW%A-==9[%K9E(;V47,6N`A4CG3R=
MKH(A59MR;PX6L;3&:FXR\!-G`(US26<,O)$IW`SLQF1R(Z>7^<JJ?,3O+Z<F
MJ^$NIQJY.?C86,TIW,.<M[@,VBEQS%C;U#`W!\_H9$8[-U8F!S\/12G8BTUH
MEXQ.)K0K=FQR\!,Q,^N;=7/P[/ADQ"U;&>5$WJYC`QMRS^ADR`-;<0Y^8O,A
M7I]0+UV?[!,OR\&/;OPYF]'"CL<M8`E@*6`98#E@!6`E8!5@-6`-8"U@'6`]
M8(//?#%0?B6.W]".1\R\I_=/4YEA832G(F=$!N>NK6/&(S(!+`4L`RP'K`"L
M!*P"K`:L`:P%K`.L!VSPF2]1F&%Y1@>92J'%2&>ZW'$A60+L4L`RP'+`"L!*
MP"K`:L`:P%K`.L!ZP`:?^8T>IE)^,>\X/>18[`A8KNRN=5QT-VQU,E/L&-EA
M8MP[SP!28)<!E@-6`%8"5@%6`]8`U@+6`=8#-OC,5PRG65X_C\E$"^W<4*;8
MKF_Z'.B868%L568IL,L`RP$K`"L!JP"K`6L`:P'K`.L!&WSF"Z12&[^]%YSJ
M!(F;!V/D9(6W@"6`I8!E@.6`%8"5@%6`U8`U@+6`=8#U@`T^\[50F0U7BV?6
M%),(<3;@4X-LKF8K42)1*E'&*,C/!COWW#'CL50`5@)6`58SL[?0,`HB"78L
MK6/&D72`]8`-/O-5";,6SCGXY9GBJ<DKN&*)5,.6K>R6()$HE2@SZ+E,L6/&
M350`5@)6`58;YIQ+&\?,+JXR4^R8<20=8#U@@\]\L=2IV!U"OR:6/EM[TYE&
MSV6*I]:,;RL!+#7,:;C,H..98FO`K@MV8P=+R5;'<K.5-6`WM4%NEH*MCF:*
MK0&[Z0QR,\5L=2R:P1J0&U]*=9AVI7QF-C2)!G>`<>[!SQ0'^[SMU)KQK22`
MI<SLX,P,4OG/PU%*9HJ-E<D47TZ"EW(*Z;AD1*$==URQ8YW)NXS#K*(I]W35
M-WLZXI8K&O5GD\!SQ_'9MN@9G0QY8,^F0\13.XM[ZL_"?,1I]4=S/^_`*,@5
M!W>R=<P.Z@.6,K-WG$F4&T19%Y4KCA;AZR>%K%-*5!E$*0+M)@JZ3,W7<?+%
MTDW+5CJ:^60>Y*X[6:>7:##(1#-;SJP;7S.4MHCFKWSK@/)]X[[>&<B,_`2Q
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M8OO%RQ+W*LFE7YZW*BW#V6ICK&C5=L0,)L:M8\0]*@$L!2P#+`>L`*P$K`*L
M!JP!K`6L`ZP';/"9+QC.N+PZ)3:3.1=&_LN3X:>?MHZ9%<AXHZK,4F"7`98#
M5@!6`E8!5@/6`-8"U@'6`S;XS!<H3,/\TAE2::`'%+?GAA%U#F9;P!+`4L`R
MP'+`"L!*P"K`:L`:P%K`.L!ZP`:?^5J$R9=GC@$RRT+GZ5$'N\AN)4H8!2DF
M.^>:]<TX(S-6,'.J,LL!*P`KF=G@*D9!)/:8-$92.V9\U0:P%K#.9WY[_R/Y
MDYG,GS!RN[ZQLB@Q5L^DL5+'C&\^`RP'K`"L-,S9/E>.F5T011JK=LPXD@:P
M%K#.9[X,ZI3NYCY^;0K29WTWC373*%:O!1SV<?(+'FSF)D[H@QS!+TX:*^I.
M^H04?K`CM0;<.)E!3HXH9ZMC.:+"&K";TB!G&UZQU;%H:FO`;AJ#G&A:MCH6
M36<-R(VGVOQU.8O1W,]9,'+5683OKVS9RADX!IU.ZZ3&RB2BEN&';S+I.&?D
M1B2VV`4[UEOL91AQ:<I=N1B=3)W5;&5$C9W4PS@/-L;`&;HMHY,A=^R9$U'.
M]R9\4<.DQND52+U5$2S[!JEW8@]#;A'^&O\66<DAQ^ZM]"E7U`>GV=2^SC>V
M4":KY!(5[$4K.%L$7DHNMPFG2GJIV<JDOZ:+8,IH9)U6HLX@3G]-G<;RM5$G
M;W>:?$8;91X,.(T";<(3#0V8L:)M]42BU"#SGFCX.D$F:^02%>S$C*1@`U)R
ML2N#"*YF*W.6#M^/;>1U6XDZ]F+.S;%-R/@BA(F)9T20&8BY1H$(P4EZBZS`
M`#'NK50I5]2ML0JZ9&:*G1DDEZA@)[HQG`XY#K*2BUU=1"0U6[$N03]KY'5;
MB3KV8G1QU/5U08F!>*$^[XT^1TB8OY5'[Z&*<:)1(%&82^>*MO$3B5*#S#CY
M(PI:(9-5<HD*]D*M?)A59\L@(56RE:N+N3L;9,U66I<_%K.@CS3R^JU$';LY
M%I(OCSIPNW/7N,5;CO*\_+&RRIF&4YI&ZMVU0\/(CYF8BIZ@8#097_:XDYJ*
MG!8/9_B,([+-FW,5ZZ5@I%/1\<+.+68\Z0M[&P812\U>=%K\,GQMNI&QM%S%
MQM(QTK$LCSV14L^1I&"O?;HQ>@G6()TI4$]9K&`K^ZV,L46VIJ)*$!^L@&#&
M%_5QQRI815+VI>^8DIS!7)NQ@<V(YHS<*,%&T%S?O&Z\"&?;TKAQ7I&NV//)
MF&NVTC'/Q*OV#1O8F%M&)V/NV$K'/%M%=O3[(S;,182'LI=E6M5#K'#(&D0G
M*3Z:;-G,80E@*6`98#E@!6`E8!5@-6`-8"U@'6`]8(//?#%0HN*77I%6OYD0
MZF&0VH<>AM%B%4Q26ZY)9BQ;`E@*6`98#E@!6`E8!5@-6`-8"U@'6`_8X#-?
M(CJ`>1/F,QM#91[,C`:Y"5/U'$F9.2P!+`4L`RP'K`"L!*P"K`:L`:P%K`.L
M!TS]H1BG#72CZ[_\HO^:Q-WNX<MNN[N]?3R[WG]7?]5EJ8ZY!ZS_Y,QFON*_
M.1.4?)A.UQ_H`13UZJ"$7HI>J_=]4<F,2L957]294\GX1V6"D@^SV?H#W0SP
M1B7J(0HJ(6^4O4<E"RH9GU\$U]G,EW2GX^0J2BZI9$R_AB41M0[]IJ:\SH=X
MLOZ@WQ0(ZU")^FZ&K+.)Z>_[T(X7E<14,FY'0F]3\D9G8%!G2MYH@X=*R!N,
MC?[`T`=X%7(%/:FPX!7H`H!_("EA<VV4DJ#"AG2$,I**4,2(1*1O*(&;CDA$
MG<,+FI`2RFN5\95U*,&[5AE869+,5FN5N90EE*DD;ZB$DH]KE5^4=2B?2-=!
M)9OI:JW>,Y-U-K/).J'M("J)J`3)16]14`D2C)YM4-2HW>A9`\6&2NA]TK5Z
MX5-&0.]WDOZH9#.]I/M!+4JO-JYS6$)O*])U4)V&2EI8TE.)>FU0QD:_&KY6
MO^.-2I94`J..*6KZQ4E99QN3/I0GER7T:C1%C:Y#KRI3;*B$/KRQ5E_&D-[H
M0Q@TTE`)??^!ZJ"Q0]]CH#JH9!//*6HTKNA3!.L<EM#7!>@ZJ`Y],&#=PA+Z
M!@!%@.IL(NJ]],%C>:?T=6(J0;UW$U'OI:]<H#I3*D&MLXEF5(+:@#[\2"4H
MMIRZ->H%+75JQ'/JGJAOM-0%$=]0EX$]9K6FKY?+NRM7:_HBN>3-:DU?&9>\
MIS5IY!>'B8[^2-NWJR^[]NKAR\W]X]GM[C,M]Y/Q]8\'_6?>]#^>S#<4/^Z?
MZ,^ST0:*_KH4_3F^'7W:DOZ6VOG9Y_W^B?]!%[XX_(&_]_\1````__\#`%!+
M`P04``8`"````"$`Q';K2>@3```R8@``&0```'AL+W=O<FMS:&5E=',O<VAE
M970S."YX;6RL75MS&SFN?M^J_0\NO\=67W1S)=F*)?5-?=DZM>><9\=68M?8
M5LI2)C/_?L$F()``W9)JYF4<?P1`$!_()B"YY^.__GAYOOA]\[9[VKY^NHRN
M1I<7F]?[[</3Z_=/E__[G^S#[/)BM[][?;A[WKYN/EW^N=E=_NOS/__Q\=?V
M[;?=XV:SOP`+K[M/EX_[_8^;Z^O=_>/FY6YWM?VQ>861;]NWE[L]_/KV_7KW
MXVUS]]`KO3Q?QZ/1Y/KE[NGUTEJX>3O%QO;;MZ?[S7)[__-E\[JW1MXVSW=[
M\'_W^/1C1]9>[D\Q]W+W]MO/'Q_NMR\_P,37I^>G_9^]T<N+E_N;\OOK]NWN
MZS.L^X\HO;LGV_TOROS+T_W;=K?]MK\"<]?64;WF^?7\&BQ]_OCP!"LP8;]X
MVWS[=/DENNG&T>7UYX]]@/[O:?-KY_S[8O>X_96_/3W43Z\;B#;P9!CXNMW^
M9D3+!P.!\K72SGH&_OUV\;#Y=O?S>?\_VU_%YNG[XQ[H'L.*S,)N'OY<;G;W
M$%$P<Q6/C:7[[3,X`/^]>'DRJ0$1N?NC__GKZ6'_^.DRF5R-IZ,D`O&+KYO=
M/GLR)B\O[G_N]MN7_[="_8H.1F(T`C_)2'05I:.)L3&@EZ`>_$2]:#JHD*("
M_*2)3ID'O.@7"3\/:FD\GL[Z10XX.$%%^(F*\ZMX-H[&QU8&R^AGA&UVF/&$
M@,Q1#7ZBVNRT^2)(',NCR2#D:'PUC4;S9#I,0G1(`?C'P=F3PA,1\>8?-.MP
MJD3$>70FAR:I[0J9Q?G5;#Q.)[/P"J]MJO<[9WFWO_O\\6W[ZP*.(_!P]^/.
M'&[1C3%+>\8FPF$7O;>)8/<8*U^,F4^7P#3LCQWL_-\_3^>SC]>_PVZ]1YE;
M+1/Y$@N2,%O3F%U*8"6!3`*Y!`H)E!*H)+"60"V!1@*M!#H'N(98'P(.V?%W
M!-R8,0&G4-T2P`S$(KHD02I+":PDD$D@ET`A@5("E036$J@ET$B@E4#G`%YT
M84>IZ*:0UN%'`&6OT8+#WLO>N1^]6RL3I;!5#SD^]F46+'.(L896&LHTE&NH
MT%"IH4I#:PW5&FHTU&JH\R`O]A`9%7MSI)QYE!@S<!K!/(<XST8C/]*W*#3(
M!LL<V-#02D.9AG(-%1HJ-51I:*VA6D.-AEH-=1[DL0&!_SO8,&9Z-BB&MXBD
M<`\X$#2-$I^@!4N1XE)#*PUE&LHU5&BHU%"EH;6&:@TU&FHUU'F0%WR(32#X
M5^;9O']\NO_M=@NA@R=$X%A*X.EIGZG&B!]Z1";)X=A?:&BIH96&,@WE&BHT
M5&JHTM!:0[6&&@VU&NH\R(LS7#B\.`?B"==N"JB1]@.*R(SCJ9"E0E8*R1`9
MP6/IL">2D=@3.4O1GB@T5&JH0HC=7"ND9C77A=3?E@U+D0NMACH/\@)N2F5]
M73PSL8T1GP=$4N9!(4N%K"R2Q`>M#!%S!3_P,$[$-3-G*0I"H:%20Y6%X+9.
M>FL48A=J5AMPH6$I,M5JJ/,@CP<HBOXZ#\:(SX-%8@@I.P]-##^)%BQ%SB_1
M%$=FA<CD$*L,U>*^/(A'D<C-'#4XRPMEHT0;*=D06ZQ"#?9CK6S4:.,]/QK4
M8#]:9:-#&P$_/)I,*>KQ-'Q`]>(^(P@EWGUH*F.W<,0.G)`U#L:*(%Y;IJ&<
M(%8L"&+%4D,50:RX)H@5:PTU!+%B2Q`K=A[DQ]E46^ZY="3.MCB#F%*P;DWE
M;S;#&!XVAZ-C&LD;OB-&JDO$3'_GH`GI[6^:%4I-(",<*9&_&=F:]PF>Q)+H
MG`0&)RO"4F*R$J62D9UL-!8;O2(S?=NMOY2L$1I>1DV*=AGS="RF;DA@<!EM
M6$K8ZE`*ES&;SSGT?I*8HO&,)#'B8C,B)))DXE.],(\?S"5.$HL=2Q+4Y'V0
MH;'8AC**1V*VG`0&0UF03VRY1`CC%D43CEO/=4667?J5@S5)8<J.I\),0P*#
M#K8HY3Q<.X0H/U-G-_K$FIKT#&*QA'5W/T*"V*DDEL686(L=(Q8U.?R9.=$A
M2^*HWWWSL9@LI_'!L!4HY82M1(AXC:?"<D6675Z5?S5)$:^)Z.<U)##H8(M2
MCH,=0L3K=,8.^KR:ZO8,7K$8=GE%2/`J5K(`Y_2&18P96Y$80QE"M#N3B3"=
M:YU"0R5"1%DR$MVGBN9Q*5,.UB1E*4M',0>VW]&-GKK54(<0\3,;\Y'C\P/,
M>_S8YG%?#:BFS^EUK^D9R8,7H3%4)H>GYS0245J0)HCQ_K2JQ_:GE7)K"326
MV#M>-!.3Y3099T-!*EP.E`29*O3WSW$L#L=*6UF3"ENI";*^C%.198VVTI(*
M6^D(LKY,G,>]3ZNIM]UMY]!Z!HM8M;N[D0KY`SN+R$()_#CP"N6'?^XN40KR
MDFA=D:*;$+&LN#.2FO71G\P367.@P'!V%&3&\U).5I*4W7W34218JF@R=Q/C
M^@>749-ENXPXBA*UL:V=X76T9&=P'1U)V77`A6/.J>\GBND3N(ERY-9MQ,6%
M"B&^Y"_,IYY&BJ$E02[]2BI#*?L!<W_<Y5JQ((C-EUJQ0BAVF5(SUEJQ(?/L
M:DL0S]AYBGY(3<E_1DAMAP`>J+0Q;B%P)GZ)F>.PI::QN-HO'#%272(VG$0K
ME'(V8Z:A_"1;A58L-51I:*VA6D,-0L,+:K5BYT$^0:;R/X,@;!VX!"$D[B2J
MTF0Q)LABP^M9159JN$3+4(IN+NE$.)"3`#P9#WFDRMHB+"5*M!*EZ'Z3CM31
MB"MS-]PIRZAI?KSRQ'.^J^"5YY28M63&7ZQ81N<O(XV<Y["7)'!NG),DO;A_
M,!(DDD0L;N&('9($L2-)0II\4&6D:`N2>"I6G].X'R-QH2FTX9(4S4<;<`>:
M"96*QAWRM96:I*Q[LUCD:T/C@^ZUVG!'BM:]6<)'I4_J>3TFJ.ODTXX@0:IX
MEB\<,2;56CM&*L[IDHJ*-FKR^H-3#9LMR"$V6Y*BC9G(E(I&74*5:S5)6=<B
MD14-#1_A4]GM2-'Z]L[=)3:-C-//\5Y<;%%LA0@VQ<FV($T08S95%V5%8ASC
M#"%8CMDVJA.H-0H-E60$D]N_6%<TZA*E?*M)RCJ2J(VG-%KM2$=&K",QIXR_
MR4P?PJ7%J3W^0DD98WO#>0P3=*2D=,28/NS<#&;F"C7=DI(@+.,X->UUE>;B
M'"A(@ZNXDB"LXL3I46DC:])@(S5!5-PR'?:IJ:VTI,)6.H*PN'6^!."3:CH5
M[Y!Z>D$98[_#Y1`AWEH+E#I24)(MCO2*%-UKLRXH2<I68M',:4DBA]:E8R>J
ME?*]5`4E36;O-M%THKC&R=SMBY8'EU&39;N,<>*T`I#_4Y;1DIGA>I*D[#+&
M\;M['_:3ER;#Y:0)L2@G">)2:Z&A)4$N^6B+%3.4<LM)K5@0Q(JE5JP0@HL&
MG2%KK5AKQ8:DV-66()ZQ\Q3]G6?:`N[..Q)2VT5PR\G80K*<%`_KA2-&2UPB
M9KQ[OX!8H91;3FHH/\E6H15+#54:6FNHUE"#T/""6JW8>9!/D.DJG$&0$1?7
M$(3$-40\I!<QBS%!%AM>SPHUCY23*$67E;%HX>4T/I@,15A*/)Q*DK)7B6@J
MYJIHW-UN=JG#BZA)$2_+8Q'$AL8'%]&&I<0B.I*RBQ@[/4\_0<YK",6Z(420
M2!!52J*F=T^UV+$$04T^I#*<$[-A)N*8T_!@'`MRG.V6I(BW6;&&BH9=XI5S
M-4E9EN.QN(8U-#[H78M2SKG5D2)><9T"VJ?4="3.V/.V@>$=R@@)2L7U8`&]
MG?ZT\"BUV#%*49-#GZ$QI%1^5IS3\&#0"O*([9:DB/M`D%'1L$NI<JXF*2R5
M9B(Q&AH?]*Y%*8]2#)?U#NY[AP+*HQ0:6^=0VHO[QSA!@E)933IBAV.<,`[J
M2D,90LC?!_5!I58I-%22%1N/#Q-Y]-*X0Y>V4I.4I>M#+-N!C=9I-=21&70F
M>N]SY,3T"-P-]_<4E;U9P2)V(XX4E:3I?DZ)V)&-B5)N44D0EG)S;E_9BH0F
MX_0H2(5+N9(@^IQ2[D-M94TJ;*4FR/HRB80OC;;2D@I;Z0C""M=IZ?J;SO0=
MWJ'U]++2?-=17*D(<LI*A/R"S7EF]Z%>DB*'>D6*</]P+L'B,I"A%/1(3*LG
ME9_6Y#0^>'X5--=@.5:2+<M1.A,]P8K&W2UL8Y0,+J*FZ;$V3D;B<&C(\N`J
M6C(SN(J.I+`V3N=\Q_"31#:4ABN@1#>*".*":Z&A)4$N]6B+%3.4<HM*K5@0
MQ(JE5JP0<HM*K5AKQ8:DV-66()ZQ\Q3]D)K>@+OOCH34MA+<^PM\I\+L.5E4
MBGQ9.&+\L#NE,;%"3>=)GFDH1VCXR"VT8JFA2D-K#=4::A`:=J+5BIT'^03!
M!CN'(",NGF,(B=L([['^O%LD+,8$66QX/2O4'*[',I2">UE_+([E]YER$H`Y
MG=.5+VF]FT582IS!)4K!I<*>P?(269$9]V"TBQU>1DV*>%8E\5R<N0U)#*ZC
M#4N)=70HA>N(XLF(ZP(_34QKYXQ];#M!WCY&2*2)N'TOS%/3))A;AR!V+$U0
MDX^JC!0IF#*6.0D,QK(@G]ARB1`%+G&^]M;G4466W010#M8DA4FKOZM#`H,.
MMBCE'&$=0NA@,G<:'SZQIMEQ!K&V-^(1BY`@EA,)]S^+\?ZWV#%B49/#GYG;
M!60)%BAS^5<G.8T/AJU`*2=L)4+$J_X.'EEV>57^U21E>4V2B=AX#0D,.MBB
ME.-@AQ#Q.G$^5/!Y-;V,,WC%UH?S@4F"D.!559DLQKPBQHRMR!I#&4)X8D>I
M_&`AUSJ%ADJ$B+)DJLH1ZXUW^5$.UKXW:3Q5]8C2:;4WG>\-O,J##SB?'],L
M</GYF^I,['>X/")TK,YD,>;18L?VIY6"6S8I9@E"MFX8BYS)<=C)ZX(TV$A)
MD"WM9.NMTD;6I,%&:H*PXI7?J6VTE994V$I'D'4E<CY<\TA-96O'(?7T*K.W
MXM^Q"'*J3(3,.<_7&55EDB)ONQ4IPJG%BO+SQ(RD;($V@WO(H9O5G^<Y"@SG
M1D%F/"_E9"5)V>,2OE4C;F453>:<NJ0SN(R:I.PRXG$D^\L-F1X^B<G.X#HZ
MDK+KB%,X10Y1\Q-%=IF&RZ(46T7.KB:(J["%AI8$N?2C+5;,4,JM-+5B01`K
MEEJQ0L@];+5BK14;DF)76X)XQLY3]$,J.SQ'0JI;.2EV+L2W8<6C>^&(T7FW
M1&QX,ZQ0RCGV,@WE)]DJM&*IH4I#:PW5&FH0&EY0JQ4[#_().J^[DNKN"D'B
M1B(K34>,";+6AM>S0LWA$BU#*?K`2OVQ!XT/GBA%6$HD6TE2MFT]G8FV1T7C
M[L%HESJ\B)H4\:B"KW4<3JK^?&](8'`5;5A*K*)#*;RBP=]L\,/$3Y'SND7F
MC2ZB&4&02!&^A-EBQ!'C%#FI6T2:?$QE"&$^1*G@**?QP4@6VG!)BOB!DC1<
MT;A+/H:$W:M)RGZ`DDS%9:RA\4'W6I1RSJZ.%*U[XY@-^Z2"8>^F>^1@-N+B
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M:,+YO`A@RP"V"F!9`,L#6!'`R@!6!;!U`*L#6!/`V@#6^9@7^+%L`0T_&'MQ
M_\%($)3CG/;36%Q`%HX8;=AE`%L%L"R`Y0&L"&!E`*L"V#J`U0&L"6!M`.M\
MS(^Y:6FXR7XDYM@!X9/NUL2ZOSXX21W`E@%L%<"R`)8'L"*`E0&L"F#K`%8'
ML":`M0',O&W;B8$-L'U]MGT)\,OF[?MFL7E^WEW<;W^:5V/#=>3SQP-LW]M]
MF][`BR8A(R4^AO=YA_#)#;RS+R"?SL'0/#0R'H&I_KZEYCB\-%R.I,G-PC[:
MU$@*(T&/TS&,!'U.)S`2]GH*(_T;)<0\\#[S+_WC7N"WX'+_R)%X?`,OK@W$
M);F!UZIJ_$MZ\P48U`.W"2P#/N<-C<`RH'\<&H%EP"=-H9$9C/0-.>EP,H>1
M(&%I#$$)+B:&>>#+S8%Y8I@'OB,;&H%YX#.CP$@R`@^"B9%$,!*.#M`/-\F`
MM0CF@3_B#8S$,(]M<,H8Q#`/%!PA'8@!?&4K-`*I"7\<%1H!?N#/`0(C$<P#
MK[(*C<`\\"ZDT`C,8Q_DTNL(8F`K)S4"N0-O`@E9`W[@+]_U2#:]@==2:KR>
MWL"[(C6>S6[@]8D:KV<W\$Y#C=\"+4%6(F`%WOH&&M>'9<`;^W_<?=\T=V_?
MGUYW%\^;;W!LC?J7SKS9=_[;7_9X&_JZW<.[^ON+T2/\OQDV<)D=74$-_6V[
MW=,O9H+#_^WA\W\%````__\#`%!+`P04``8`"````"$`Z?YBS[@#``###0``
M&0```'AL+W=O<FMS:&5E=',O<VAE970S.2YX;6R45]N.HS@0?5]I_P'Y?<(M
MY*8DHTZ`W9%FI=5J+\\$G,1JP,AV.MU_OV4,=&S2D.0!!_O4<=6ILE-9?W\O
M<NL-,TYHN4'NQ$$6+E.:D?*T0?_\'7];((N+I,R2G)9X@SXP1]^WO_ZROE+V
MRL\8"PL82KY!9R&JE6WS](R+A$]HA4M8.5)6)`)>V<GF%<-)5AL5N>TYSLPN
M$E(BQ;!BCW#0XY&D.*3II<"E4"0,YXD`__F95+QE*])'Z(J$O5ZJ;RDM*J`X
MD)R(CYH4646Z^G$J*4L..<3][DZ3M.6N7WKT!4D9Y?0H)D!G*T?[,2_MI0U,
MVW5&(`(IN\7P<8->W%6\1/9V7>OS+\%7?O/=XF=Z_8V1["<I,8@-:9().%#Z
M*J$_,CD%QG;/.JX3\">S,GQ,+KGXBUY_Q^1T%I#M``*2<:VRCQ#S%`0%FHD7
M2*:4YN``/*V"R,H`09+W>KR23)PWR)]-@KGCNP"W#IB+F$A*9*47+FCQGP*Y
M#94B\1H2&!L2UWN:Q&](8/PD\1:!&\R><&7:L,#8L@23J1?,%\\$!*'7JL#8
MLCP?T*PA@?&3Y-&`;)6G.NUA(I+MFM&K!4<),L&K1!Y,=P7,;;Y5=KH*^*H`
M(/.2Y$6R;-`<69!;#D7[METX[MI^@TI+&\RNC_$-R+Z%R+J2O*&:@.<-KZ?S
M1JW1)\:@C5N$+'P(NXL=ZNLV]OLUWH8HP3+$UK>=FKCUS?!LWT?X!B3L0Q:.
M;P38QQ@L<1]QLY$6,IR&QT.68#C`FOI3W;F=PL#QZ#(4Z(C]*"(<142CB'@(
MH2D`KMXJ(`O>AVMR./G2:(-`YB[*A6/$N5,8WUW4]>],C/6]6H=GQV$@PE%$
M-+)'/,2@J0`WT?,J2"-3A9F>[9W"*`V63O/1,7N%&5)B%!$]L$\\Q**I`1??
M\VI((U.-N1[I3F%F=45\I8;"#*DQBH@>V"<>8M'4@&O\5HWADR'!I@H+0P6%
M^?IDJ/4A!481T<@>\1"#%KUL9(T?Q/'[01J9*BP-%11&U8(;J).A0_8*,E47
MB+X6WIK/O-D]^TC#3-U[F/C^'IH$2UV"X0*08"-TU]%]WRG,0(+WHXA0(=3%
M,G6:PZ3O$SV`@>99^GO?%Z6":HY5EU1@=L)[G.?<2NE%-KX^9*>;[7KR%T\V
M!L;\SEU!2].?CZ"'K^?MS@!ZZ"HYX3\2=B(EMW)\A*V<R1RN,*:Z</4B:%7W
M;`<JH'NNOY[ASQ*&9@E^<9!UI%2T+[+=Z?Y^;?\'``#__P,`4$L#!!0`!@`(
M````(0`<6P'S2`8``(TC```9````>&PO=V]R:W-H965T<R]S:&5E=#0P+GAM
M;)R:;V^C.!#&WY]TWP'Q?I,82$*JIJL-]MZ==">=3O?G-26D01M"!'2[^^UO
MS#A9QK!CLGW1-NW/$S\S@_U`_/C^2WGR/N=U4U3GK2]F"]_+SUFU+\XO6_^?
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MS"SHII%5)Y@`?/?*0K<&9"3]TOU\*_;M<>N'J]ERO0@%X-YSWK0?"QW2][+7
MIJW*_Q`2>E*W(($)$L+LS?^7LR!>BN7JCBB1B0+O>XT23(XR1UU=FF3:ID^/
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M$)VK>W1JF.J,A?7..V109[`*Q:C,/A1&"[L272XD0IQ*CB`JUU3EM!57#[)7
MH17MS!TRS!P3)R&=A.((HE-;J-[.PJ]"&J;5%*%UY>V0N7;M:"W[R'JTW!(1
M)DN*(XC"S3T*-6PIC.P]$QEF;HF3D$Y"<031)\`(]$LXK56[47:OVCNF@3BI
M;D2Z$<4B5*UV$I,;5J#OX/=-`V'+@M<;W1$30JW#8#/6VM)03,84BU"MVDM,
MUXK.@VI=6ZN/0(B97^)&I!M1+$)5:B?14SFQ?]%_P/?;CA:+0?]R)@6W3^%$
MI!M1+$+50NK[:OD%5VB:KD=#WV<@[%\1&ILPL$069G90&Y,&8SI$L0A5JUU%
MK[8.M>A!:`?;[D_?%T)*F/DE;D2Z$<4B5*5V%3V5$SL8O8BC@SG#8CK8B4CA
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M78`0,[_$C4@WHEB$JK1\T[1=1S^F=O>OVS^9.$Q"I!M1+$+5:GLRO7_1S#CZ
M%R'CB5=1A'=KUC*=!`2+PLWXTPB#,0E1+$+56OYI8FU'?%1@W^\$"#'S3-R(
M=".*1:C:'_)/`?H>ZB@&:IWF*#%QF(1(-Z)8A*JU_)-C)4:_X^ADA(R36(]:
MWB3H0W$X^BQ;&HA)AF(1HE1__-2_9J=U<3?*7H_MO<=`S#P3-R+=B&(1JM9R
M31/5HGOBNSA$B%7K1*0[BF(1JE;[E\GK<:AIJZ;#SZ80,ET\?N.6F$@&&GS:
MTNW6TD!,OA2+4*7:YO243JPKFB-RW0;VIQHA0LP\$S<BW8AB$:H6)O,#:O4H
MERL.$6+5.A'ICJ)8A*JU/!2_%L/QA@E=C!!^Q"J6HV8A,9&NT/AS8@,Q^=('
M+O2,QA%4B@<J\*3`)7W)_TCKE^+<>*?\`$]%%[,UA*CQ.`6^:*M+=R+@N6KA
M&$3WZQ&.O>1P7&`Q`_A05>WUA3ZP<3M(\_0_````__\#`%!+`P04``8`"```
M`"$`3J/&T?\$``!0&```&0```'AL+W=O<FMS:&5E=',O<VAE970T,2YX;6R4
MF=^/HD@0@-\ON?^!\+Y"@R`8=;/:S-TF>\GE<C^>&6R5C-`&F''VO[]JBG$M
M8+O1!W?<^2C[JRJ;LF?U^;TX6V^BJG-9KFTV<VU+E)G<Y^5Q;?_S]].GR+;J
M)BWWZ5F68FU_%[7]>?/K+ZNKK%[JDQ"-!1'*>FV?FN:R=)PZ.XDBK6?R(DKX
MS4%61=K`R^KHU)=*I/OVHN+L>*X;.D6:ES9&6%938LC#(<\$E]EK(<H&@U3B
MG#:P_OJ47^J/:$4V)5R15B^OET^9+"X0XCD_Y\WW-JAM%=GRZ[&45?I\!N]W
M-D^SC]CMBT'X(L\J6<M#,X-P#BYTZ!P[L0.1-JM]#@8J[58E#FO["ULFGF\[
MFU6;H']S<:WO?K;JD[S^5N7[;WDI(-M0)U6!9RE?%/IUK_X++G8&5S^U%?BS
MLO;BD+Z>F[_D]7>1'T\-E#L`(R6VW'_GHLX@HQ!FY@4J4B;/L`!XMHI<M09D
M)'UO_[WF^^:TMOUP%BQ<GP%N/8NZ><I52-O*7NM&%O\AQ+I0&,3K@OBP^N[W
MP<R+`A:$#T29=U'@?3^B>+,%<V-_85R*@UIMEGC:I)M5):\6M!XLO+ZDJI'9
M$J*H]/B0Y/'T0%[4-5_41>VE0-=0T[=-Y(4KYPWJD'7,=LAXE-@-B2BF"!\B
M?B]*,D0B]H-Q0//F"F6X=]4[*AAR85MWC@NZO"TR4)<;$U!B9R2XD4AT!/&#
MQ4[W4_#:AMBWM4-'T]5OD8G:"H>A"VW?/BBU(]3"\Z,QBB.ER56B(X@G!)GN
MJ6#JZ;D1-=@B$[:>C,W#,8$=@;R0C4&<0M$HE!!H#I_@]G%;$W&%S^1T5P7W
M7%G?%1ET#><QZ[][^PG?$2J(%Z.5YTB!SJV'>AV4Z`CB&3[BJ6#J&7E]3V30
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MS<<+=>9\^UO`YG\```#__P,`4$L#!!0`!@`(````(0!CWI'`>`4``#D8```9
M````>&PO=V]R:W-H965T<R]S:&5E=#0R+GAM;)Q8VXZC1A!]CY1_0+RO,1<;
M;-E>+8PF62F1HBB79P:W;32&MH`9S_Y]JJGF4H4'X[S,&.IT<;JZ^ASHS=>/
M[&R\BZ),9;XU[=G<-$2>R'V:'[?FWW\]?PE,HZSB?!^?92ZVY@]1FE]W/_^T
MN<KBM3P)41F0(2^WYJFJ+FO+*I.3R.)R)B\BA\A!%EE<P65QM,I+(>)]/2@[
M6\Y\OK2R.,U-S+`NIN20AT.:B">9O&4BKS!)(<YQ!?S+4WHIFVQ9,B5=%A>O
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MQ;M-(:\&=`T\L[S$J@?M-616,W.A/K=G!E-28[ZI0?500)>P'.^[P)UOK'<H
M8:(Q(6)\TV@Q#D5$0T2P:B$6\&M)PM3[),?)*3`EY[,GAPCQZ_*J"46]&^3!
M4)'^@Z=51PW:FI"RG7G@VNW$Z@J&B/%ZF`5%1&,(PA&2/,Y1#8*5[CT_<'F5
M$#/&<0Q!.$*7]SF.+Z`"T_HY@^Y"3%#WWL+W/)]5C\;]7@<07LM'>"DPY16X
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M$6J0KM;`!FAXV;VC4%X/V8!]RP>XEFB0[C!XS>O$7J\C9FD`@=>I#>7&[&"B
MFMSRA:Z']8HVTM^]J+#R1O88A/)D%C&1)RK]'35I[&"$YQB$\GS(-NRA;]Q0
MD[XQ^$&O^_52]^/!<MGM'<+,8;XQ;K(UFOL%:[)0@W!W>-SY:;0;2UDQE[C#
M"E5]7$F<1OK5AX/#O9]&NYZEK.`)T_7-46A>*];JH09AK7I*@6M(HHMN+&7U
MD!LXM]R`ZX@&H4SXJ]6@6I@$XX&_^D3A'.8'TW9G/8K7C3$(-0@>T'[N=.71
MQ6NLXQ:$5I`YQ$2>Z!3C*J*^D:$)1GF.02C/AQS#&3K&4$4T2*^T/7!8';_-
MGY)CEG%GR]ZRBDX,T"J<Q@?4EN4?8U$;O;^^S"7N4$-5OZ,FC?37:M*YJ&Z]
M)GJ?VD/&X`R-(7!9WX<:I.67OV.2Z&<?@^HL9KK0U6B^8;FD:)!N-,=G:QW1
MN.]WMD&ZS&7&,&VKUJ,80Z\3+>PV#;K=ZKBNHQ#*DUG%1)YH&>.2XB)HE.<8
MA/)42C[YE=U%W8?LK>H.^T^#],NQP]HSHN'>\0_E!=-[@)="L_5U!QV((#R]
ML9<>;P!UEJNR:(#GKG@/XDDM'F1FHCB*2)S/I9'(-W4*Z\`G?'L73XA#>QTZ
MZKR/W8_@Y+B^;[4!.+B]Q$?Q>UP<T[PTSN(`*><S'\RAP*-?O*CDI3YF?)$5
M'-G6/T]P1"_@/'$^`_!!RJJY4(?+[:'_[C\```#__P,`4$L#!!0`!@`(````
M(0!B$&QEU`0``"06```9````>&PO=V]R:W-H965T<R]S:&5E=#0S+GAM;)Q8
MT9*J.!!]WZK]!XIW@0`J6NJMT9G9O55WJ[:V]MY]1HQ*#1"+X#CS]]LAB9+`
M1-"'&<'3S>E.=T[HQ;>//+/><4E34BQMY'BVA8N$[-+BL+1__OLZBFR+5G&Q
MBS-2X*7]B:G];?7[;XL+*=_H$>/*`@\%7=K'JCK-79<F1YS'U"$G7,`O>U+F
M<067Y<&EIQ+'N]HHSUS?\R9N'J>%S3W,RSX^R'Z?)OB9).<<%Q5W4N(LKH`_
M/:8G*KWE21]W>5R^G4^CA.0G<+%-L[3ZK)W:5I[,OQ\*4L;;#.+^0&&<2-_U
M1<M]GB8EH61?.>#.Y43;,<_<F0N>5HM="A&PM%LEWB_M)S3?^)'MKA9U@GZE
M^$(;WRUZ))<_RG3W(RTP9!O6B:W`EI`W!OV^8[?`V&U9O]8K\'=I[?`^/F?5
M/^3R)TX/QPJ6>PP1L<#FN\]G3!/(*+AQ_#'SE)`,",!?*T]9:4!&XH_Z_R7=
M5<>E'4R<\=0+$,"M+:;5:\I<VE9RIA7)_^,@)%QQ)[YP$@![\;OO^-$8C2?W
MO;B<41W@<US%JT5)+A94#3R3GF)6@V@.GF5DG,<UUJ]"A1B9DR?F96E/;0NB
MH+`^[ZLH1`OW'7*:",RZC=$0&XE@2P'TKAPA\B;'[JQ+*@S,J+!58-S6_`;X
MOG+S56:;-B*X010FD*$F$Y:M`*K)S(@9+6UXR)5`%&BAKSDF;&#&&DD30N$(
M3H9S9$802^/Y47C+`4\DQY@XFA`*1ZCZ)D=S_AA8RU\8J-E9<TR`HKKXD#-Y
M&6GT-SIDUH0H["8JNWZKS(QTEJ'&DF-N+*<S]=-D5.=\HUKX#O*4#VI:*#%`
M+_;/,`/KW+7Z6W.,Y.XYGE;"&Q4`:JC&]G6ZF4IJ6]#]IF)&&N5@JJ6;8TP%
M:T(HZ9P]PI$9W6LJCC%Q-"$4C@AVHF8BS5U5H[4,MMI*@.2J(V>JE)^GU!^O
MV+9)WSI`;/\?7`BUE1Z'WG@"=(M#J49!G,O/%Q@UTTPQ&DSO9)KKBR(`H=Y>
MB(-N3^_8P5H8TVJHA)EZ-`CWV](0UQR%>!!I329`I@HV0E2>3$&&\V16]QH-
M<9"1IPFB\APD8.RHJ&]6[593]0DV6%W`A)M;B2A%K/)[2,)0'PT3(,G"=\*F
M!HE6TF4K:&)4IH.$"O51*@&2##L/`RU,V'N7>DBNX&#2*H%@IK>228Y$9DT0
M-;$/21;JHUD"9&REWJKE#U*M&JWO]OIA4(!D`72TDD!T1Z"DT7](E&HKG:8N
M2@(D:9H/=WSYA4D?WDQ/&CNI6:)\KC[*3M^2*`&2?%%7YPM,'X*:)-TAV"%%
MX43K'Y^#NA\N$L@A,@;_970K'G7=P4LS?_T4TV=6^KKKQU(!,M+D?B3-`8=I
M-@IX@'>70GEZ>CG(R-L$4?/[D$+Y0EB,[ZD"9.3)_71#5)Z#],GOTJ=6F7*0
M7-S(T:0G>AEI6\5&^)4F$]T$3@(W$Y7_0W(%P[0>=<Q!DE3DJ.\&GM)<HOV&
MF/`X^%".SZQR7![P!F<9M1)R9@,W'][WKW>OP\`GGXU_M/MK&!+6$S7W^@/,
MZ$[Q`?\5EX>TH%:&]^#2<Z90Q26?\O&+BISJ2=F65#"=J[\>81J+8;SD.0#>
M$U+)"S:\NLCY[NI_````__\#`%!+`P04``8`"````"$`WI4NYJL%``!6&0``
M&0```'AL+W=O<FMS:&5E=',O<VAE970T-"YX;6R<6=^/HD@0?K_D_@?"^XJ`
M*!IULS"9NTUND\OE?CPSV"H9H0TPX^Q_?]542W<UB(POLZOU=?%U5?7W,3WK
MKQ_YR7IG997Q8F.[DZEML2+ENZPX;.Q__G[^$MI652?%+CGQ@FWLGZRROVY_
M_65]X>5K=62LMB!#46WL8UV?5XY3I4>6)]6$GUD!D3TO\Z2&C^7!J<XE2W;-
MHOSD>-/IW,F3K+`QPZH<DX/O]UG*GGCZEK.BQB0E.R4U\*^.V;FZ9LO3,>GR
MI'Q].W])>7Z&%"_9*:M_-DEM*T]7WP\%+Y.7$^S[PYTEZ35W\Z&3/L_2DE=\
M7T\@G8-$NWM>.DL',FW7NPQV(,INE6R_L;^YJ]B?V\YVW13HWXQ=*NW_5G7D
ME]_*;/='5C"H-O1)=."%\U<!_;X37\%BI[/ZN>G`GZ6U8_OD[53_Q2^_L^QP
MK*'=`>Q(;&RU^_G$JA0J"FDF7B`RI?P$!."GE6=B-*`BR4?S[R7;U<>-[<\G
MP6+JNP"W7EA5/V<BI6VE;U7-\_\0Y,I4F,2327Q@+^/>Q`L#-YC?S^(@HV:#
M3TF=;-<EOU@P-?#,ZIR(&717D%GLS(?Z].\,MB36?!.+FJ6`KJ`=[]MP%JZ=
M=RAA*C$18A:VU6(\BHB[B'#90AS@UY*$K>LDA\D),"6W,)X<(631E%=L*-:^
M(`^&BHQ_L`!#];0=AS.UH:9R$6)F&B9HM]P@XB$$X09)=&[C.B<6;6S8;MN5
M,)A2!A%BPJ:OGF=$8QJ=M6L)-YAJG=MPPP38Y.2V>;%NB)DUG-S0F+58CWK:
M)!).<\II7+W$(I.;.4V(06Y^X%/FL1Z=>8HYX0;'9'R]!-CD9#PU0@QR6LR-
M:L9Z=#E5'2:<A'EIRC#<0P$V.:G9P!XB!CG-EW.C3GHTG*D:$TY+RFE<#\4B
MDYMQZB+$R/F:JJ?CF2113T4)-Q=D4R_8.'+-*D,U7*,VD03!T6N/K;&!>!!"
M>3XF^:C65#DZ/!&$90P71H==/;J\544AQ=K8B2K.X'P/CY^+`D[9&<^/)`C9
M=72-1M7.:.V$.AOL1M@E:CIAYQMG,G*'A!_'<!!">0J5UGC>J1YJ.A!HQZOK
M7"Z"!F=P"$+Y"<76^(T\*ZCSI(X=]Q+O97#<Y5&>*W&3-23AA0I3?H99W*E?
MGTMT^JL;0=?"7#WLS91V4EZ&48RL6Y]CJ/.'ZNSJIN!/C1>7F(87RF\HOT^9
MAMOG&BJSY*4;PSPP#G4L<V"[%YKF4%Z&<=SI9Y]CJ(Y(7KHI!$LC'+MZ>*&=
M=L++>\@SFE7W'$V"9&'4G.,Q(-%0D:?L'G(*K\<I?*-MD00-J<D@A/(4ZJ^I
MR7!W/8$V'+?SGBY!@_PP3S^$\GO(-;P>U^BHG01AESM-OEJ*^`U-!2DWH=GC
M:R?0YN292N<AZ`:G_B#E])`[B%^".]Q,E9,@Y*:IK#P5NCEHM:;L/N4-7I\W
MF!HG0;=8Z=9PDY7A#'?.0)\C*!5`A?-T1Y@9G&,:579!:V7XP3B_\OI\P7CA
MC20(:^8;?8YI],9O79[A"B/9];B#KYX@:W>5?_5*96P@;IXN7E3Z(*2*X@US
M_!EMT/?T38+Z'XZ'81!"^3WD$WZ/3VC3C764(.QRYV6.1`,UOY3=I]S!1U6'
MG^I=.#`53H*0E1)66;>K+PC5O<7I(4?P^QS!F/Q(@FYPTQU!#22MEU#HT8[@
MHY[3>AE:$4G0K2YB"AE5:RDKPQ.&]<WO\P+5"SE;1.V5@LDVZM&YJC)E97C!
M.`6!J^JN4ZEN2'8(PFNXSHSU!Y$;7F/C+6_.R@.+V>E462E_$U?4'MRAM=_B
M]7GDKB)/7(8:W\=PK=Y\[[0!N-4^)P?V(RD/65%9)[:'E-/)`HI5XKTX?JCY
MN;F#?>$UW&<W_SW"WR\87+9.)P#><UY?/XB;]_8O(MO_`0``__\#`%!+`P04
M``8`"````"$`M]GOJ'<4``#]9@``&0```'AL+W=O<FMS:&5E=',O<VAE970R
M-2YX;6RL75MS&[F.?M^J_0\NO\=67W1S)3D52^J;^K*U=<[99\=68M?85LI2
M)C/__H!-0"`!NB75YF4\^0B`)#Z0#:!E^>,__GIYOOAS\[9[VKY^NHRN1I<7
MF]?[[</3Z_=/E__Z9_9A=GFQV]^]/MP];U\WGR[_WNPN__'YO__KXZ_MVQ^[
MQ\UF?P$67G>?+A_W^Q\WU]>[^\?-R]WN:OMC\PHCW[9O+W=[^.?;]^O=C[?-
MW4.O]/)\'8]&D^N7NZ?72VOAYNT4&]MOWY[N-\OM_<^7S>O>&GG;/-_M8?V[
MQZ<?.[+V<G^*N9>[MS]^_OAPOWWY`2:^/CT_[?_NC5Y>O-S?E-]?MV]W7Y]A
MWW]%Z=T]V>[_H<R_/-V_;7?;;_LK,'=M%ZKW/+^>7X.ESQ\?GF`'QNT7;YMO
MGRZ_1#?=.+V\_ORQ=]"_GS:_=L[_7^P>M[_RMZ>'^NEU`]X&G@P#7[?;/XQH
M^6`@4+Y6VEG/P/^\73QLOMW]?-[_[_97L7GZ_K@'NL>P([.QFX>_EYO=/7@4
MS%S%8V/I?OL,"X#_7KP\F=``C]S]U?_\]?2P?_QTF<`:OFYV^^S)F+J\N/^Y
MVV]?_L\.1FC"*L>H##])>7(UGHZ2".8:4DQ0$7ZB8CP?5$A1`7ZB0C2ZFD:C
M>3(=G@E&^_W!3U*,3EKB!!7A)^TMNDKC\71V;'-3U(0C1E.>ME9P0;]6^(F*
M\>PJ2D>3(]Z,@#%+H@D?9/$T(J(#__`_M-K3'!01^^9_SIR5^(_.YM/$MMTK
M,YHD`UZZM@'?GY_EW?[N\\>W[:\+N)1@P[L?=^:*BVZ,53HY-MX/9^F]HP1G
MR%CY8LQ\N@3.X;3LX/S_^7DZFGV\_A/.[#W*W&J9R)=8D(0YH,;L4@(K"602
MR"502*"40"6!M01J"302:"70.<`U^/K@<`B3W^%P8\8XG%QU2P`S$`OOD@2I
M+"6PDD`F@5P"A01*"5026$N@ED`C@58"G0-XWH4C]3N\:\S`,\`+Y[GOSELK
M$Z5P>`]!/_9E%BQS<+J&5AK*-)1KJ-!0J:%*0VL-U1IJ--1JJ/,@CPSPS.\@
MPYB!ZPGF.?@9GGF^IV]1:)`-ECFPH:&5AC(-Y1HJ-%1JJ-+06D.UAAH-M1KJ
M/,AC`RYWCXUP;D07NI'NG4ZNNK5(G/@\R"N<I4AQJ:&5AC(-Y1HJ-%1JJ-+0
M6D.UAAH-M1KJ/,CS,:1)GH_-T]1DDF<^38T9W_F(I/#3.03RAF>I@_,UM-)0
MIJ%<0X6&2@U5&EIKJ-90HZ%60YT'><Z'[,-S_G"`&VG?QXC`%4+>6VAHJ:&5
MAC(-Y1HJ-%1JJ-+06D.UAAH-M1KJ/,ASJ*F.?T-N:,SXGD9$1'/B7^D+EB(^
MEAI::2C34*ZA0D.EABH-K354:ZC14*NASH,\YT/Y$W#^E2GT]H]/]W_<;N$B
M@"0S$.4)).`V+3=&?-<C,DDXR#6TU-!*0YF&<@T5&BHU5&EHK:%:0XV&6@UU
M'N3YV92-GJ,##H7*DSS:B_LN)6C&+M704D,K#64$C2#!/5STR4@<C=P1H[-1
M!+`R@%6$\7+7&JH)$@M)_3/:.&*TD#:`=3[F$V`J)7W-G!GIIH07H4Z0<Y]K
M:*FA%4))?"`T(\A4^0=>QHG(?G)'C-Q1!+`R@%6(03.`5-<DQ@NI"1I>2..(
MD;4V@'4^YO-B:JS_/R^V4H/LG=9Q:Y8.5,7@7_8E-$S]T%HX8J2Z1,SQT8J@
MR6&"C#3COA$1CR(1M3GI\!$H"&(S)9E)R8PXA17IN(SA=ME,36;>6TU#9G@U
M+4%LIB,S@=7XM)EZS*7MR'V&Y9O+CX4247$))R[,,-!HQ)@?M,8>6:%8Q+O+
M-)03Q(H%0:Q8:J@BB!77!+%BK:&&(%9L"6+%SH-\/YM*ZPP_8V'&SKHU;3]S
M98TAI3W<*=-(]A`<,?:S534=T8,FQ+E_@E:H.8$GG",EHCA#*6@]F[9=$NO3
M<LID!9GQER0F*U$*:J)^LM%8G/J*S/3]_CZ)62,TO(V:%.TVYNE83-V0@+]`
MX;,V+"5L=2B%VYC-YVS&#Q*8[)P@,>(BN4!(!,G$IWIA6K<82QPD%CL6)*C)
MYR!#8Q@143P2L^4D`*I.8+$/>MX*6A-;+A%"OT711.A49-FE7RVP)BD,V?%4
MF&E(8'"!+4H!F>2S#B&*S]0YC3ZQI@P]X_1CU>J>?H0$L5-)+(O1(I>1Q8X1
MBYJ\NXP4H_[TS<=BLIS&!]U6H)3CMA(AXC6>"LL5679Y5>NK28IX3<0KA(8$
M!A?8HI2SP`XAXG4ZXP7ZO)IJ^`Q>L7AV>45(\"IVLHA8C'E%C!E;D1A#&4)T
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M.KR?%6H.EV@92E'FDD[$`G(2&$SOBK"4*-%*E*+\)I4?1ZG(C'O@[&:'MU&3
M(J8\\9QS%9ORD,#@-MJPE-A&AU*XC31RGL-^D)C.RQE!@HT:-T@0$D$B-K>(
M68R#Q&+'@@0UW5.,BK8@B:=B]SE.-FRXH"6QX9(4S:L0R(%F,@>B<9=\M;R:
MI.SR9K&(UX;&CQ"M#'>D:)<W2_BJ]$DUG9<S2,6&DDLJ0H)4\2Q?Q"S&I%IL
MV/<KTF3?9PC!A69\+],?&AWT6:'-EJ1H?28BI:)1EU#<%"^M)BF[M$A$14/#
M@VMK4<I)#3M2M&M[+W<!L^>P:<1%[H*08%,D?0M#F6P&$<;.6&DH0PBI4YU`
MK5%HJ"0C&-Q^8EW1J$L4KI?75I.4)2I1!T]IM'HA'1FQ"XDY9/Q#9OH0[B'[
M/25E;,P*^A`Z4E*2IEM2(F9V=,BP=,,7I9QB,"/(EI1C#LW^49737.SZ@C2X
M%BP)PBI.W!Z5-K(F#392$T3%+=.!3TWT#B^E)16VTA&$Q6W$5GQ2(15]C]33
M"\K86!$<(L1O9A8H=:2@)%N\O14INFFS+BA)RE9BT<QI22*'=DG#L5&0&?"R
M$T'LOMY625(VMXFF$\4U3N8>7PLE@]NHR;+=QCAQ6@'(_RG;:,G,X#8ZDK+;
M&,?OGGW3Y'#/_I'4VO9$X*40/25O8X2XU%IH:$F02[Y2S%#**R=1BA4+LL4S
MEEJQ0@C*/EKJ6BO66K$A*9ZQ)8AG[#Q%_^29ML`9+K5=!,^EV*`0Y:1X6"^@
MC#"'TU2=M,4E8L-'8852S@,\TU!^DJU"*Y8:JC2TUE"MH0:AX0VU6K'S((\@
M*"7.(:@7]^]`@D0:(A[2"T?L0!!BP_M9H=1P'9:1+4SFQJ*%E]/XX#.S"$O)
M>Y&D;"H13<5<%8T[QPVAX4W4I(C)\E@XL:'QP4VT82FQB8ZD[";&3L_3#Y#S
M&D*);@@1)`)$EI*.&`>(M78L0'!.OJ0R-(:IZTSX,:?A03\6M"*V6Y(B9K-B
M#Q4-N\2KQ=4D95F.91K6T/C@ZEJ4<NZMCA0QQ74*:)]2T]@X_5(VG\P1>0]!
M@E*1'BP<,:;TI!82:;+K,X204OFN.*?A0:<5VFY)BG@.1$Y<T;!+*3J$%U>3
M%-X^,Q$8#8T/KJY%*8]2=)=='>1[AP+*I]1T%<Z@%)L03NIB/LEO6!:4RFK2
M$6-*54MC16+LH@PAY.^#>E&I50H-E63%^N/#1%V]=BUNIJ.MU&3%TO4AENW`
M1NNT&NK(#"XF>N\]<F)Z#RX[OZ>H[,V*AS&U;MST6[^G)$VWJ$3LV%UK)X!(
M)?HS5(0?IL,3S;E]92L2FHQCH2`5ME(21.\IU3E4_9LUJ;"5FB"[EHG\Q:`&
MQYT3UI(*6^D(P@K7:>GZAPY.\WNTGEY6)L:*8!$AIZQ$J2-E)=EB5Z](T0T(
M75:B%/27^RZ=?%N3T_C@_5707(/E6$FV+$?I3/0$*QIW;USKD"-%)4V/M7$R
M$I=#0Y8'=]&2F<%=="2%M7$ZYQS##Q(PXP7)<%%I");1@!`77`N28FA)D$N]
M4LQ0RBTJM6)!$)LOM6*%D'?5JAEKK=B0>5YJ2Q#/V'F*ODM-;\"]3H^XU+82
MW*+2!!)X6;ZC%/&R<,3HMELB=NR:Q#EYBQDJ.E=/?I*M0BN6&JHTM-90K:$&
MH>$-M5JQ\R"?(-.G.(,@;&NXV0A"(AOA,]8_6A8)BS%!%AO>SPHUA^NQ#*6@
M?.ZOQ;'\/%-.`H,W2A&6$@59B5)0E]D[6":1%9EQ+T:[V>%MU*2(=U42S\6=
MVY#$X#[:L)381X=2N(\HGHRX+O##Y+SF4**;0P2),!'9]\(1XS"QUHZ%"<[I
MGF-4)&=*7^8XV[#E@M;$EDN$R'&)\[&W/MPKLNP&@%I@35(8M/JS.B1PA&QE
MN?,7F,R=QH=';'I>4ZD7]S,@@@2Q'$CV_#MB!V(1&W;_BC39_1DIVJ)@+G\%
M):?Q0;<5VG")$/&J/X-'EAU>M9F:I"RO23(1!Z\A@<$%MMIRAQ`N,)DX+Q5\
M7DTOX_1[/<76AW.O$R1XE56F(\:\JD;*BL1<$JT4WMA1*E\LY%JGT%")$%&6
M3&4Y@@)N\J/-U"2%1S&>BMJHT3JMACJ$<#7PY3=\P?G\F&:!R\_OJ3-3['>X
M/")TY.4E:;IU)F+'SJ>=P*TS41&*,_-\'(N8R6DN#H:"-+BT*PFRI9ULO57:
MR)HTV$A-$%:\\C.UC;;2D@I;Z0BR2XF<EVL^J::C\0ZIIU>9*?9H7`X1<JI,
ME#*I-[\6=#K#_:V[)%OLZ14I0MK+BO(#JAE)V0)M!GG(H9O56\Y18#@V"C+C
MK5).5I*4/7OPJ1ING=FG*4WFWKK6)2:S?7\;-5FVVXC'D>PO-V3ZR$V,LPWN
MHZ/9[#[B-'624#]09)=IN"PR7XXB*DV"N`I;:&A)D$L_VF+%#*7<2E,K%@2Q
M8JD5*X2\RU;-6&O%ALSS4EN">,;.4_1="@1Z9^^(2XVX2&0L)"M-\>A>I"S&
M#SR+#1^&%6HZ966FH1RA85N%5BPU5&EHK:%:0PU"PXMHM6+G03Y!IN'@7HY'
M"#+B@B"$1$8B*TWS[11&$\28((L-[V>%FL,E6H92],)*_;('C4-,.#>3N-**
ML)0(MI*D;-MZ.A-MCXK&W8O1;G5X$S4IXE4%'^OP[_>&!`9WT8:EQ"XZE,*D
M"'YG@Q\F?HB85LP9(8*=&_=!B9`($4["L!AA,0X1BQT+$=3D:RI+41%?**6"
MHYS&!SU9H)1S.92DB"^4I.&*QEWRU?)JDK++2Z8B&6MH?'!Y+4HYR^M(T2YO
M'+-AGU33]SB#5.P3N:0B)$A5%2:+,:D6.T8J:KJDHJ+U6CP279@\/<5P@5*.
MUTI2M%Z+Y<O1BL9=4M7R:I+"`CCE`]4'>$/C1TA5ACM2M,N;.-'BDVHZ#F>0
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MTG<DHL3IR]B#C`(3WL::=`:W49.4W4::JM]])X'!;;0D-;B-CJ3L-M+1F+WA
MAXGIR;CWLPR3?VY_P$D.?@L9G$CZTJRQ;>VX[^,(FO#I6@2P90!;!;`L@.4!
MK`A@90"K`M@Z@-4!K`E@;0#K?,QWO&D4N(X?KG+&V-CA4W=+D*'Z$/;36"0@
M"T>,#NPR@*T"6!;`\@!6!+`R@%4!;!W`Z@#6!+`V@'4^YOO<-!C.\#GV(UR?
M(P3M!7+F`K[VOK\C'6P9P%8!+`M@>0`K`E@9P*H`M@Y@=0!K`E@;P,S7_#O[
MM0ZVW]MOOW?\9?/V?;/8/#_O+NZW/\UW\D,Z\OGC`;9_,.!V',-?#.@?;&HD
M@9'>Z6HDI;\R($=@H*=$XF-0,%1)?'(#WS,:P*<W\'69`7QV`]_D&,#G-_#-
M@P$\G=PLH)H-C4QA)#A'.H.1X"SI'$:"\XQ'-PM("?0\\`<9O@2]"W^HH7]T
M28\`'4%Y("/$Q9?TY@M$@I[X-H%MP/OBT`AL`]XW!D92V`:\L0J-1#`27'`:
MPTAPR>D81H*T)S`/9,6!>1*8!SYK&QJ!>6Q:*5V6)#`2<LYMDL)(V#M`/_2B
M`_/$,`]\6"LT`O/`+Y2&1F`>^-7$T`CX`![0H1$(3?@EJ]`(\`-OV0(C$<QC
MBU/I@PCF@>]4"NG`//"M/*$1\(']I0YE#6('OE$DH!,#/U"BZ1'X1LT;\S68
M>@2^XA)B/30"W_8(.B%K\/6+H!,:@6\UA+4%^8F`'YOZ7!\V!']\Y,?=]TUS
M]_;]Z75W\;SY!A<A_'T,*+3?[)\OL?_88W[U=;N'/S_2IUJ/\&=F-O!5$Z,K
M$/ZVW>[I'[#%Z\,?KOG\'P$```#__P,`4$L#!!0`!@`(````(0`B<)?X?PL`
M`-<U```9````>&PO=V]R:W-H965T<R]S:&5E=#,V+GAM;*R;6W/:2A+'W[=J
MOP/%>P!Q$9>R?2H@=$$2NM39W6>"99N*L5Q`XN3;GQ[-M.;2$V+7)@\!_]3=
M:LU_9GHT$C=__3@^=[Y7I_.A?KGM.KU!MU.][.O[P\OC;?<_?_N?9MW.^;)[
MN=\]UR_5;?=G=>[^=??O?]V\U:>OYZ>JNG0@PLOYMOMTN;PN^OWS_JDZ[LZ]
M^K5Z@2,/]>FXN\"?I\?^^?54[>X;I^-S?S@8N/WC[O#2Y1$6I_?$J!\>#OO*
MJ_??CM7+A0<Y5<^["^1_?CJ\GC':<?^><,?=Z>NWUT_[^O@*(;X<G@^7GTW0
M;N>X7T2/+_5I]^49KON',][M,7;S!PE_/.Q/];E^N/0@7)\G2J]YWI_W(=+=
MS?T!KH`U>^=4/=QV/SN+<CCI]N]NF@;Z[Z%Z.RO?.^>G^BTX'>Z3PTL%K0TZ
M,06^U/579AK=,P3.?>+M-PKDI\Y]];#[]GPIZ[>P.CP^74#N"5P1N[#%_4^O
M.N^A12%,CZ>QKY\A`?B_<SRPK@$MLOO1?+X=[B]/M]V1VYM,!R,'S#M?JO/%
M/["0W<[^V_E2'__'C1R65!MD*(),(7M^?.CVQL/)=-9$N>()W;`Y/7P*STEO
MZ@SFHRF<_8K?7/C!I_!SWN?H0`OS"V9-_;%DG;:QX$N;[G`V<28N:ZTK^3K8
M1.P+9CR^[C+"3.'+1S.%T/PJX4N;Z7L:EO4=[@E?,-%W-JV+KO#EHPE#U^&G
ME7UHTGM?TV(?<F0G<JQ-V^=]OQE*WNZRN[LYU6\=F)]`SO/KCLUVSH)%P4'$
M!6V'U:]&%8P$%N4S"W/;A0N``7.&J>#[W70VO^E_A^&[%S9+:N/H%BNT8`.,
MA?5,L#:!;X+`!*$)(A-L3!";(#%!:H*M"3(3Y"8H3%`JH`_RM!K!N/D3&K$P
M3"-LW24"*=K0$`0MT,4SP=H$O@D"$X0FB$RP,4%L@L0$J0FV)LA,D)N@,$&I
M`$T0F)6((".85.V5!\<(\X(:HXZ1^4!O\"6W<<8PB-N1--%M5M*FE86B-44^
M10%%(44111N*8HH2BE**MA1E%.44%125&M)$@R8EHK$I_X,S'0L#DR6<IQ5H
M.C<FLJ4PNBJCM&EEI&A-D4]10%%(4431AJ*8HH2BE*(M11E%.44%1:6&-!E!
ML3\A(PO3R(B-OQ1D#!6\5=:=C(W!)ZW0T:-H39%/44!12%%$T8:BF**$HI2B
M+44913E%!46EAC35H%$MJO784O?R=-A_7=;0YE#_+#/H")83?)'!@NB:">*.
MVJ*VHLBC:$V13U%`44A11-&&HIBBA**4HBU%&44Y105%I88T@6#II@ED$0+6
M^:@$L]:5$&0FA2#$(V1-B$](0$@HR`#*<SM21X.1/E(C:84C=4-13%%"42J0
MO+JM-%)S,&:+3%IA#CE%!46EAC2A8(VN"<47[!\<22R(KI\@8ZD?(1XA:T)\
M0@)"0D[@-EO1;S(R:F@DK;#M-A3%%"44I1S!K1&&VDHCJ1_)(9-6Z)A35%!4
M:DC3#V[;_W_]6!!=/TZ&([5-W8FY=)16>#T>16N*?(H"CI0V#3D93YO[O^'`
M,49#U!['DV\XF?`M%7;'%PO2[/PTLW["R7",48UQGO+C2AY;3GZ91]8>QSQR
M3I0\"D%D'B4GMCPT?=DNBR;P]9FT,=>E%&BDK3'=B:O/;RO%#*_#L["UA?D6
M%@BF-&2(2,Y[$44;1')TQ8BD8T)1BD@Z;A%)QXRB')%T+!!)QU)#ND;L3EO=
M]?B-1OS&'/3`AEZR_3`V`F4&*T03*+)M67(G4UTV3S'#:&L+\RTL0";/&E(4
M4;2A**8HH2BE:$M11E%.44%1J2%=(G;O_0&)F+DQC`22C;5B%4=7S4.DJV;,
M,6O%"D7S+2Q`)L\9"N3"M-#VBB%9K`BKX;R9Y9SQU.@V&QHY1A^VAL9=-Q(Y
M$5:P/<%VY9R1:\PC*8:14]U6H.LY9^C(<QZ/1S.]J^?"0!DD!?I<S;D45B+G
M\6`BUP9Z)V%W^VHG419#Y+;^_?<9;.(U.Q-'4%Y1_Y6P4I"'CA-8OK62N!.C
M7=:*&4;S+2Q`IO8FDD<DK$:\0'YR9%LU]7-#H\3H(J\F0<36^-_O/CG&3F`J
MC@_57D)RR3"*R&5DK#]R<5SK$21*B5%$+B/98W7UV2;!+]3_@-ABJT&=W`5R
M%;$)\N`B6"\9L4]%;&/7>ZV82;&E*[)`V,$'HA!=U=Y$!GB$5C,Q=9@#?$,C
MQ^BCEBH2.4$K,2F-S,V05!AHG4)<VM6<,XS,<QZ/S?DP%P;P@:U1H,_5G$NT
M$I/2P)%=4.\\;*_B%YV'3!V_61ZP4$;MX<A8PKG&;N^*;3\V74AV/L_"UA;F
M6U@@F-)J(2*Y+HHHVB"2S1TCDHX)12DBZ;A%)!TSBG)$TK%`)!U+#>GZL:T,
M5;_?:,3,#8T$DAFL'('TQ8!KS*B>8H:]<VUAOH4%R.190XHB@7`Y,!@;*6RH
M3TQ1(A#6_L'4N"-+\3SJK$Z:)4,K,0^HY;@I,3D]=4%1*5";S4RN<71IV>:'
M*NT?JNHLK-$%.%)*^,H15GH)=XURZ"EFL@M(5V2^Q2Y`IG8!DD@DK$19ER50
M%'5Q+ADC1@>UJ(NPO)#*YFYBI,)!F[U)'AF&Y27=R",71Y49IT`'F4>)R,Q#
MEYWMF?Q"]@^4<[[S`DL(U&#)'FLSX=5RCOLS6NTV2K<G'%F%QV!K"_,M+,"3
M2M<0D<PC0D]1NP=C0Z,-^L@P,2(9)L$P.$!GQG21"@--:M(J&8;!;,Q[UQQ/
M+;,I$,EL2@R#V<SEK*,+SG945,%_,X7S#1A-68%DQ5@Y!'D4K2GR*0H0R<L-
M$<DS1A1M$$G'&)%T3"A*$4G'+2+IF%&4(Y*.!2+I6&I(TP)ZQD>T:,SUN121
M43N-.^F58H9CRK.PM87Y%A8@DQ<>"G3][C425D.'+YM[I,32R#'ZP+*M7?'3
M93-:L0=7<,?=&QJ39HH&2M45Z'K.&3KRG,<]9SY0_\EQQLNR,%>FKP(C7+V"
M$JWX%8QZKIP9]5YC[J,IE?K]4S9(8!9F@49L_=>VM.L:%[A2S&1GXM&8*[*U
MQ<ZWL$"PL=R/#@5R)C"OM)D0S2,T`P&YZ$:J&QHZ1@2;4K^.G`@K=XB]2=[0
M\#*.!C+IK4"_23I#,Y$T]">C_.3"0FF0`M'5K$MA);*&'B0CZSV([<BI-<#L
M07_7KS#/6!\,*\\CAV)C3ZGZB%PY,ZPLS+.PM87Y%A986&AAD85M+"RVL,3"
M4@O;6EAF8;F%%196ZDP7C6W9J*)=+]Q#OL.C%FY$\,1%]GW7-;KV2C'#L>Q9
MV-K"?`L++"RTL,C"-A866UAB8:F%;2TLL[#<P@H+*W6FZ\7V9#Z@%]_"T?02
MR-#+*&PK>#C6S.3*@S3/PM86YEM88&&AA446MK&PV,(2"TLM;&MAF87E%E98
M6*DS72^V+?0!O9BYL1@3"%Y`PX&S@NFR,5.89V%K"_,M++"PT,(B"]M86&QA
MB86E%K:UL,S"<@LK+(S];$%I*RX._QT"?WGZ6)T>JU7U_'SN[.MO[#<&S:Y&
MB_D/();#"?X"PCPR7I2--"8'AV;=8G)W`>_N@)0F'P[A#,V=-CDR@B--/21'
MX.30^V@TV/]:L$TKVY$I'&E>'3:BK9P9'&GN,8PCR^%@P9;L--IRZ,"19KUB
M^,!/1CY;KP9^2F*S7[++MYT!+MYV[9_'$-_:P`XD"P^,:;+P7!>.V$X.SP[A
MB.WT\"`(CM@2@*<&<,36^$MG`D=LN873!;R31#/;3A?PGA#EX6P![\!0OITM
MX+T4RI?S!;S?07DX7\`K&Y1OYPMXA0)XOU4/?E;SNGNLTMWI\?!R[CQ7#S`D
M!LU+22?^PQS^QT6LYK[4%_A!3;.P>X(?4%7PYL>@!V/NH:XO^`<[0?N3K+M_
M````__\#`%!+`P04``8`"````"$`,S1MA#<(``"V)0``&0```'AL+W=O<FMS
M:&5E=',O<VAE970S-"YX;6RLFEMOHS@4Q]]7VN\0Y7V:0.ZH[:@)X0Y:K69W
MGVE"6S1)B`)M9[[]'F,;L,\ITTCSTC0_GW-L_X^-+^'VZX_C8?"67<J\.-T-
MC9OQ<)"==L4^/SW?#?_YYGQ9#@=EE9[VZ:$X97?#GUDY_'K_YQ^W[\7E>_F2
M9=4`(IS*N^%+59VMT:C<O63'M+PISMD)2IZ*RS&MX.OE>52>+UFZKYV.AY$Y
M'L]'QS0_#7D$Z_*9&,734[[+[&+W>LQ.%0]RR0YI!>TO7_)S*:,==Y\)=TPO
MWU_/7W;%\0PA'O-#7OVL@PX'QYWE/Y^*2_IX@'[_,*;I3L:NOZ#PQWQW*<KB
MJ;J!<"/>4-SGU6@U@DCWM_L<>L!D'URRI[OA@V$EYG@XNK^M!?HWS][+SO^#
M\J5X=R_Y/LI/&:@->6(9>"R*[\S4WS,$SB/D[=09^.LRV&=/Z>NA^KMX][+\
M^:6"=,^@1ZQCUOZGG94[4!3"W)@S%FE7'*`!\'=PS-G0`$72'_7G>[ZO7NZ&
M$^-F88Q7DP5$><S*RLE9R.%@]UI6Q?$_;F2(4#R(*8),H/4BR/QFMAA/#*BS
MSW$J'.%3."[;RGLJA*AUJ^%3^!F33U4X%XZ+QA$F0D]%4%I7!)^R(O/&F([G
MO^C82OC!I^Q8;ST&))[G@8T`KN'GI#":#,(_LHW]G3)DOHPV8;_PD(DRVDP9
M\QXA1GR8U:/63JOT_O92O`_@40"-+,\I>[`8%@LFQRO/03."/QK`,')9E`<6
MYFX(682Q6<*L>[M?+(W;T1O,E)VP66,;S6(C+=BT8&%M'6QUX.C`U8&G`U\'
M@0Y"'40ZB'60=,`(I&WTA=3^#GU9&*:O5&8M02NXJ<J]D1;2Q=;!5@>.#EP=
M>#KP=1#H(-1!I(-8!TD'*&+"]/@=8K(P\%Q5!JNFWIK;&%.8$LV0GFD*MS:-
MQAAM,7(P<C'R,/(Q"C`*,8HPBC%*%*0H#S+\#N59&'C20#V-J(OE1)5U+8QZ
MI6]M&NDQVF+D8.1BY&'D8Q1@%&(4811CE"A(D1[6U-\A/0M32R\%6PLRA36X
MR<9L.5>SL6FMI*.-T18C!R,7(P\C'Z,`HQ"C"*,8HT1!BM(@!*'T#=MX52_Y
M[ONZ`)W@04_LY2:PYO&5D`51=19D/FF>WAN,;(RV&#D8N1AY&/D8!1B%&$48
MQ1@E"E)$A3V!(BHA'NS=I'K,6E5/D&4K'B*V(&-8-SHC>:&.Y&UK)4>R@Y&+
MD8>1+U#;JH"3U;QI9XA(A$B,2-(EBI"P([Q"2&:M"BG(M&G@!A&;$W,!V^2.
MD$M-R-:J$1(C%R,/(Y\CV'G*4`$G<WXX8KO`$)$(D1B1I$L4(:%SBI!\RUM/
M\RMWO2R2*K(@;7<VB-B<Z"*O-)%;*ZF,@Y&+D8>1SU%7Y-:HD^C56&U#V%K)
M-D08Q1@E"E+$9P>KC]3__$.VCJ(J+U%'>HQL@<PE-*,=X2OM(++MF,F>.P1S
M">81S!>LFX&.6=L2N*S14M`QDRV)"!83+%&9F@9V7L'GOBO7.G;6U2:`0!,H
MZ>BK[:XWTK%-EBW0=%&?'LVQ,565V+8&4@A'AH'AUE0&GJJC*QV7,K*VX?1:
M`QG9%XC=*GP<.9".'[4Y;`UDY$@@H[?-L73\J,U):P"1U=2RTQ-*+=S_D!N7
MSMK+KB'T;`K4;>QLI>FWD8[=;')'$_8%'?TTQZUPG)EU9J9:QAU1W)\$5];>
M;:,YUJKR9%5LH_9VKU?E?ZJJ0%KU]BJ458E>:2V)9)#>H14+*VV8:+$2617O
MU;)=J-41P<YU:$0LV`7D%1M;=FK3AP='VF37TKB1CMWA(1S-9MG?"JO)M$Z0
M-H<=4?JKH8#">C(LVV*^W6MA_4^%#62,MK6A1+RU"RUN]*FXL0S2QDTDXLU=
MM/E6$\I.BRBALVN?WN+,V9Y+UNP&$'(\[:Z.Y@0]O845OW3F%W4"P4???.=6
MLSF?A-I]BB-KAV=')XBFK2NME#;B^2ZJXH_FJ5:5+X/T5A5(J]Y>A<)*],K0
M%ZY(1NFM*Y96O=U*9%V\6\:\%4<=(#"S>P?(M^(,VZ=?K@@LC+;-$FC>SN8-
M^WV#F7683;`MP1R"N03S".83+"!82+"(8#'!$I6I(K-#KSX+39,MM%>>(PQQ
M?.[.1(&F<(QI)L-LI8WCC?0$,[G#L`FV)9A#,)=@'L%\@@4$"PD6$2PF6*(R
M57IV2NY*WW^K8/!#-3Q<I4AKB31]]=NOCIETM0FV)9A#,)=@'L%\@@4$"PD6
M$2PF6*(R55]V>+Y"7W[65O052--7NY/9&*U9JR]F6\+.(9A+,(]@/L$"@H4$
MBP@6$RQ1F:HO;%:OT9>9:\]A@31]VQU@?1NY8?M'YJD\'S#;$G8.P5R">03S
M"180+"181+"88(G*%'WA%_YK]*W-57TE@E\AY,#<$,PFV)9@#L%<@GD$\PD6
M$"PD6$2PF&#LG0@^4.K^<C'Y2P[\Y^)C=GG.-MGA4`YVQ2M[@:$^.3:8OUVQ
M-E86RPM(II>88_GBA5XRL^!.GO"86W"M3'`#'&!9IDK`!58-JF0!)?7/IWKM
MQA)*ZM53*X$;"8M=.N!H<*-@L4L#7`(W`A8[].,2.-%#/53)@V$]U"<`K?XU
M<R`BK4T0DN(3"W[`PS4_3"%^_=**7L'4@I^=L(.]L.#*&_,`-*2XO;3@9A?;
MVRL++B,Q#V",4!PNYT!6JJ4!E+#;+(@U:CH!;\V<T^<L3B_/^:D<'+(G&)3C
M^@QTX>_=\"^5V.H^%A6\+P.S'%YR@/>C,KA9'K.]VE-15/(+JZ!YX^K^?P``
M`/__`P!02P,$%``&``@````A`!A4<H/72@``ZJ(!`!D```!X;"]W;W)K<VAE
M971S+W-H965T,C<N>&ULK)U;DQO'L:W?3\3Y#PR^FQP`,X,9A:0=)M`7W(&Y
MG/-,4Y3%L$@J2%JV__U>A<I$5>9*8@":^V%3_CHST:A<=<MJ]/SX/_]^__NS
M/]]^^OSNXX>?G@]>7#Q_]O;#FX^_O/OP]Y^>/SZT?[EY_NSSE]<??GG]^\</
M;W]Z_I^WGY__S\__]__\^*^/G_[Q^;>W;[\\0X0/GW]Z_MN7+W_\\/+EYS>_
MO7W_^O.+CW^\_8`KOW[\]/[U%_S/3W]_^?F/3V]?_[)W>O_[R^'%Q?7+]Z_?
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M4OIF/_SRG^G;SV_0I`CS8GB5(KWY^#MN`/__V?MW21MHDM?__NGY$!_\[I<O
MO_WT?'3]XFI\,1K`_-G?WG[^TKY+(9\_>_//SU\^OO__V6@@H7*0D03!OQ+D
MJL0XXG<I?OA7_(:W1S\(M[2_6_RK#I<OQH.+V]$8Z,@G78LC_E7'JQ<W5U>7
MUS=/>([%$_^*YV!PTD>BB^WO%?^6C[P<7HUO]DU[Y&;1!GM/_*N>UR].\AQ`
M/WO7]!_J.S[MBPY4"ND_U/?FI*\Z@'KRQQ89#4]L7W0.\2WJ>4(%`]5-^@^]
MTU._I4HH=1+Q';\8WEP-KJZ3XH^D9:`B2O\AKB=J8:`J2O^AKK>GM:WJ:%`)
MZ50YJ)(&14JG]<RA"BG]AS;Q:6(8JH[2?XAK-:1P`[_,0])^A)N^_O+ZYQ\_
M??S7,\P;\/_\Q^LT"PU^2,%T;,LA#J/=UP8[C'(IRE]3F)^>H^$QCGW&$/WG
MS^/1[8\O_\2H^D9L7K'-P%I,U"(-H2GLU(/&@]:#SH/>@YD'<P\6'BP]6'FP
M]F#CP=:#G0=W'MQ[\.#!8P5>(J.'M&*,^!YI36%26C4AKQ24/`]=#M5"7:8>
M-!ZT'G0>]![,/)A[L/!@Z<'*@[4'&P^V'NP\N//@WH,'#QXK8'*(L9IR.,)0
M$2\[M"<F+RPPZIYX>6%S]"K;#"XQM!_ZZY6UF12;0R89-8Q:1AVCGM&,T9S1
M@M&2T8K1FM&&T9;1CM$=HWM&#XP>#3+91BXHVVG^/',@3F$PEN-S#ID=7[IQ
M]I48'<U_L3GDGU'#J&74,>H9S1C-&2T8+1FM&*T9;1AM&>T8W3&Z9_3`Z-$@
MDW^D^GOD/X79YU^S]DK()194!TD,;MWD/"E6ZCAEU#!J&76,>D8S1G-&"T9+
M1BM&:T8;1EM&.T9WC.X9/3!Z-,BD&]D(TOTB;92^_/;NS3]>?42R,+L'@_T(
MZZN\ZDI!;+*%H&=K&B>,IHP:1BVCCE'/:,9HSFC!:,EHQ6C-:,-HRVC'Z([1
M/:,'1H\&F<QB$?S?9S8%L9D54B^Q40=RD[8882=RZ.K#"S?Z3[/1Y7B_3,?E
M2QND.5Q7";6GA.W$[4;#CFS8_G`=84V#8<_%#8;=3"A^[!]5_<G/MI$0^_7]
M`C4;I7WHD382(V2Y,G+?J!$C:4A4')Q!>\I'==DH[1Z__E&]1)+&'=Q<EF]E
MVA)13%L&PT?5@LG:MF`FKG&<0":AD5>9Q"X#42-NMWN!C(=CWUJGA.TH;)\)
M%L;[7>=X7&[$M$RJUIBFV>]T3Y#9WM&VDB#73'X%'5N5VY,M;KHOA*\:2AUS
M2PVN+_T"OE6+HR+NQ*H*W0N2UAI<CF[+_=CF2CM+*@R@BG/6!)7*7$YA@D:X
M4NG]V@X6$[%R+5SN5=HNAQ\-#[-=H^$O]W(87#F7]J3`G48I@7M%:?SY\^?!
M55E`V79+NSEJMU-DEK>!N8Z]_WJO4LDOM1X47C75V#=5MGJJJ2363=54XIC'
MK\NKP<"%;N4&CH?N]#9+Z%X=\WAU>3FX+IW=-E?:$%%S79VY#DK;'2^SC)S,
M;GS;9:OC7W`JX8W,)'R6V>6H#,?[U+7B<CQPQX%[15EFHYO2,6R[I8W$?]]N
MLAW9GYV(YC(:V9FOB'UO-4E%833X\:\W%:L19OY*OT4)^UB-6JE6KF_<0-J>
M]&F=QK%W[CZM5ZL\MEZ.QN,B>MO"&.BXA<\>`%,4-WED=(EQO[3*P*_DTM8?
MCI?HH\6*EG)JA7145NX[-VJ5-36\'M&@>,J'=1K&W/B%^[!>K:[WX^3H\J+T
M.=N^:05]3,$/'_]`PSVU"$SG!+Z!!6&%JRO8B9I5;!JP)F!MP+J`]0&;!6P>
ML$7`E@%;!6P=L$W`M@';!>PN8/<!>PC8HV4VX6D#4"?\^-HTG>+XQ`JZQ&JX
MR'W@U#Q13YAI_J<!:P+6!JP+6!^P6<#F`5L$;!FP5<#6`=L$;!NP7<#N`G8?
ML(>`/5IF<YWV*V?D6O9`]3PDR.7:S;.3=&"75&)RS:P)[-J`=0'K`S8+V#Q@
MBX`M`[8*V#I@FX!M`[8+V%W`[@/V$+!'RVRNTP;LC%S+#J[.M2"7:S>S3-(Z
MF'+-K`GLVH!U`>L#-@O8/&"+@"T#M@K8.F";@&T#M@O87<#N`_80L$?+3*[3
M2?49N=Z;V]6/(I=K7V*HS`YC>,":@+4!ZP+6!VP6L'G`%@%;!FP5L'7`-@';
M!FP7L+N`W0?L(6"/EME<I\WUZ?UZF/?BV+]HPEXI<KEVR_M)9::NTX`U`6L#
MU@6L#]@L8/.`+0*V#-@J8.N`;0*V#=@N8'<!NP_80\#PC%P]?MI<IU+`&;F6
M8D*=:T'UR<.0V31@3<#:@'4!ZP,V"]@\8(N`+0.V"M@Z8)N`;0.V"]A=P.X#
M]A"P1\ML8E.=HD[L-S[?,\SUCE2=.*R\QU41.A</U.KHP7)E5+J[A*_4TP1V
M;<"Z@/4!FP5L'K!%P)8!6P5L';!-P+8!VP7L+F#W`7L(V*-E5A6I?/,]5)'+
M0&;,%W2)A5FE%+^6&Q:S(@)F36#7!JP+6!^P6<#F`5L$;!FP5<#6`=L$;!NP
M7<#N`G8?L(>`/5IF19"*/BR",TNOJ03HMNF*JLX\"=@T8$W`VH!U`>L#-@O8
M/&"+@"T#M@K8.F";@&T#M@O87<#N`_80L$?+;+Z?*KB=],C!D.MMBFR9UQ<T
MU:HJRBBZ/BP9&T&8T=(I"Q].M^I3PG2*2IA>P^3R/,*4\<>VB:])G7HH..3J
ME*)ZX!M>^(*%6I7COJF@*ZR6#B/FT-=5&['"/ZEEKFXN!BYTRZ$[#5U/VQ2Z
MU]"Y`G]U,[HM2W3;7*FR4@\9QTMX0RG$U,O$C)),J^]*NS^MX!R$,958V*_H
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M.7"G+G:]4&;H?3;[8I4"7U<]P&HN;1J.:>ZT8\21[#W**/A*475D.`G8-&!-
MP-J`=0'K`S8+V#Q@BX`M`[8*V#I@FX!M`[8+V%W`[@/V$+!'RVS"_;;EB6F'
M]R<C0;8L.2S3O@PGQ4R7'-/*55D3L#9@7<#Z@,T"-@_8(F#+@*T"M@[8)F#;
M@.T"=A>P^X`]!.S1,IMKOV5Y(M>\-TE3AIP95:/8L$Q@DNMBIGF=5J[*FH"U
M`>L"U@=L%K!YP!8!6P9L%;!UP#8!VP9L%["[@-T'["%@CY;97/NMV!.YY@U8
M>LYHG^LR2T\"-@U8$[`V8%W`^H#-`C8/V")@RX"M`K8.V"9@VX#M`G87L/N`
M/03LT3*;6+]I_,82].BPFRP]>7SIMHZOU.IH";HRTJX]#5@3L#9@7<#Z@,T"
M-@_8(F#+@*T"M@[8)F#;@.T"=A>P^X`]!.S1,JN*M)WE==O9OW<;R;:X7KCI
M3AF#^F'E.KYT*].)>N*'444$Q559$]BU`>L"U@=L%K!YP!8!6P9L%;!UP#8!
MVP9L%["[@-T'["%@CY89$:1-22"",TLJ^RAVTZ.H+D$';!JP)F!MP+J`]0&;
M!6P>L$7`E@%;!6P=L$W`M@';!>PN8/<!>PC8HV4VW[YH<GR.QV[45P(4W1[Z
M[$11J0A/&36"JII1RZACU"LR)=2AFW9F:E7VSW-&"T4VEAN8EFI58JT8K179
M6*[`LU&K$FO+:&>0S5BJ<M3#]!,9RT61^D`P/<&,51DJOCJB3@3A46Q%4T:-
M.I92;<NH8]0KLBWCZH$SM2KAYXP6BH[&6JI5B;5BM%9T--9&K4JL+:.=039C
M"'].QI*Y&SPS,AD3JSICA)I+<2RWWC+J&/6*X'^8L(=#5]^;J54)/V>T4'0T
MUE*M2JP5H[6BH[$V:E5B;1GM#+(9"TM8YY;^TH+7)S*C*RQJJF;UI3]UK'.;
M'5&\U`[:B%7:K)=8(U<S:<6J.J7IU+$LT'I%-I;;D\\XUEP=2ZR%HJ.QEAQK
MI8XEUEK1T5@;CK55QQ)KI\C&*D=V5@&P.J?/)G/79S-*YYY5>EQ-=7(ICG6J
M!979LU&K@EI%Q;%35*QZ1C-%Q7&NJ#@N&"T5%<>5HN*X9K115!RWBHKCSB";
MBU0*.F/&D\I12?VK]*:%/./5N7`KAHE8F4E0'+'L*4FD@V`-GX\4KK`%=E-;
MJQ9E0.H4'0W=%ZM4<Q^,W<IDIM=+X+FBHX$7Q6H?V-??EGJ]!%X)NC[Z:Z.U
M.@[R\P+7;G#;Z/42>*OHZ!WOU$I:V1RW6[V<5[?":0+UW8SLF?C(M?U$'8NN
MIX*JT;91)&?B-[Y!6C4H#=(QZA7E9O7OCYGIY1)DSFBA2'+C4K/4RR7(2E#5
M)]9JE8-<NPEGHY=+D"VCG2)IE?I)`9M+7ZIZ8K5[J$CI-/DJG2F@[UO5CMRJ
M?")6U?><"C*YS+$JU+)5QZAG-&,T9[1@M&2T$E3=_9JM-HRVC'8&V5RD4LP9
MX[!4;NIQ."/7KV@<%L>Z7XGCT1&B24\XIF$^BVIX<7M!X[!8%'%VZG0T=%^L
M\G#IQH*97B^!YXJ.!EX4JQ1X[-IBJ9=+W)4@*V@_)ZW5,??2@9^1-GJ]!-XJ
M.GK#.[621C;OV#!RN0I+22?\[G[O:!=3@IQP7'8GZE@)1QW+UVP4R=`S\&W>
MJD'QZ1CUBG(#^W7W3"^7('-&"T4R()?%Z/X0;*F72Y`5H[6B'(0RK9=+D"VC
MG2)IE?I=(#:K4(<9!+[I*1L4??R<*R@]V5*66M6S/OE84*W*/FC*J%&$35,5
MRTUWK5J5`:ICU"LZ&FNF5B76G-%"T=%82[4JL5:,UHKD2:*A&Y$V>KU$V3+:
M"=+GD<R+36S>?=GIV_+.U:CTD&7:.I6:_X31E%$C",+5N;YEU#'J&<T8S1DM
M&"T9K1BM&6T8;1GM#++Y2)6=TR?CJV3NQE1!90\V4:N"IHP:09!.:?@<JT(=
M6_6*8%RZ)15NU:J$GS-:*+*Q7"=8JE6)M6*T5F1CN27B1JU*K"VCG4$V8ZF$
M<T;&DKG+6$9U&1`==V]53WF$&K&JUZV,.D:](MLR;MZ=J57IB7-&"T5'8RW5
MJL1:,5HK.AIKHU8EUI;1SB";L52).2-C4K@I(^ZK*RKO3!A-&36"3,9RK`IU
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M5>WW&ZW&*0-2I^AHZ+Y8[0L&-Z[P/]/K)?!<T='`BV*U#SQRC;'4ZR7P2I'I
M0+XQUFJ57F;[Y\^C"UK_4/%K6URJ$<,'WHF5MO+7?\R4CL7.F6]S,:<^VMY'
M\&]!H\*M6%7ELJDZEE9K!,EMWUQ?NY9NV:=CU"O*S7I).J"*U%P]RKTL%.4@
M_AQVJ9>+QTI0]1W7:I6#^-\%;/1R";)EM!.DK?+5WV:E\M09N=R;V]6N(%OG
MHL*M.E9]7U`U<S:,6D8=HY[1C-&<T8+1DM%*4)TEMMHPVC+:&63&X6M?LSE>
M1-^;NUSD>LT3X[`ZUKD0QZ-C6B..(JHAWAWE%JRM6%0Y[10=#=T7J_UPZ<LD
M,[U>5#]7=#3PHEBEP/Y49ZF72]R5HN/#L%KE7CJ@\Q6]7@)O%1V]X9U8'1KY
MJV\LOO:EGB?DPC6=?80GAV&QJL0_5<?RY1I%YLOYOV33JE5Q[!CUBH[&FJE5
MB35GM%!T--92K4JL%:.UHIQSOU;8Z.429,MH)TCRB[5,V078T0!W;$;F;ZKD
M7:<H;I#(*#T(5>T?7$^>B",><-/JT911(RA]IRJ6K^"J58G5,>H5'8TU4ZL2
M:\YHH>AHK*5:E5@K1FM%^9?U`__&VHU>+U&VC':*9+SX^ONCKU-=J*YF^+R?
M]KN\?1B7>*TX5:_W5#,<])8\LUT3V+4!ZP+6!VP6L'G`%@%;!FP5L'7`-@';
M!FP7L+N`W0?L(6"/EMF.CHG&)/R)<3R9N\0*2J<$I1OZAP\FU\6LY)I9$]BU
M`>L"U@=L%K!YP!8!6P9L%;!UP#8!VP9L%["[@-T'["%@CY;97*?2D._<PV'Z
MDPUG_KFBZUQDJG=5BIP,W%YY4ID5&4BTZF2@">S:@'4!ZP,V"]@\8(N`+0.V
M"M@Z8)N`;0.V"]A=P.X#]A"P1\NL#,ZK?EUS]4L1GI;4)$X"-@U8$[`V8%W`
M^H#-`C8/V")@RX"M`K8.V"9@VX#M`G87L/N`/03LT3*;6%]*RY/W^;W[4&,K
M`_K8OX3BU;58I4=F#^.^.UN;5$:JE&G`FH"U`>L"U@=L%K!YP!8!6P9L%;!U
MP#8!VP9L%["[@-T'["%@CY995?B"V;>J@BMIUX+24Y<'"0S]CSLGE5D107%5
MU@1V;<"Z@/4!FP5L'K!%P)8!6P5L';!-P+8!VP7L+F#W`7L(V*-E1@1C7VGS
MZ_J3WB*VCV)7?XKJJ2!@TX`U`6L#U@6L#]@L8/.`+0*V#-@J8.N`;0*V#=@N
M8'<!NP_80\`>+;/Y]M6\;\MW+LS5R[RQH'*V,V$T%73SM??!-<5`>W_+J&/4
M,YH)PKO.-=9<K?)^U[Q(;G]DLR@&ZK-DM&*T9K01E$M4-@NH`-"">W#NG\D9
MIRBNUPFJUE]J5=!4T(VI/OD?5#?%2INB9=0)PK)2K7I&,T7E5X/S$JN>(MPZ
M85&L-/R2T4K#EYM8,]H(BO+AJUK'-[MC+E\I*JT\83155!39"*K:KV74*2KM
MURO"*KR:8MVYVTRMBN-<4-4M%FI5VF_):*6HQ%HK.GH3&[7:.]J.X,M*3S2\
MU(#*^?ZKL9:%#OJ;,)H*JDX`&D'8%JNR6D7VV[@'ECJU*HZ](NOHBI<SM2J.
M<T'5?2W8:JG(AG?WM5*K$GZMR#JZ^]JHU=[1IB?58>K"P!/ID;)-G1Y!=;\@
M-$U_)A4C6=K"5%IV!=M&K<H7;!49QROWJY).K8ICK\@ZEJ+W?C:8J55QG"LR
MCI?N5A=J51R7BHRCO]656A7'M2+KZ&YUHU9[1YO$J+IS_F3#E9UQ1M7/2B>"
MZE,906DC4G)[Y<H_C5IA]5]9N?/N5JUL+'>TWJG5T5B]6IE8OHP^4ZN2C[DB
MX^B_T$*MCM[$4JUL+/>%5FIU--9:K4PL_X4V:A7H!`([I[,G<[?ZR"@M/ZLD
MNBE],A;',B1,!=5U/D%F>,Z.E57'5CW'FK'5G*T6;+5DJQ5;K=EJ8ZQL;T1Z
MSFGE9.Y:.:.TNJQ:V4W\D[$XUJTLCG)D],*Y-.*29NLJL)MF6K72*&XVZ?3Z
MT2B]6DD4^Y;)F5X]&F,N5I@U]J?S+V@0#AO*?9^EC3)\X0;6E=Z+;6X796VC
M#%X,+LS_N:";IX):R:#?GR.99.XDDY&3C,O<9"R.M63$4?9K-DV-.#PE&!OC
MA1O=NI.B]&JELG/BG>GU)R23[^7KDI%[/9KLI7R61!F^&.(7J-7_N79=Z:T=
M#;JV00<OW+"Y>2J*D<R-+^L<7[CMS:UD!+G<NBXV4<=*,H*J)6W#5BU;=6S5
ML]6,K>9LM6"K)5NMV&K-5AMC95L9&3VC8]XD<]?*&;F.Z;0]4<>ZE<51NX,;
MCQIQ<>ES5JU::127WDZO'^U4O5II%'?[,[U^-,I<K`Y=T_6BA4;!%__Z[+3T
M4=PW6IT49>VCN';;/!7%JN2[%'M0,B/Q9)2V;U6+N':;B&.U2I\*PI8A39Q^
M*:Y73>V>WK^N5A+#3YN=7C\:I5<K>16YGQMF>OUHE+E8V2V&?_9M(5950RQ/
M<ERQX_HDQXU8!06G5'HS(\<WE6'W4=R`D@(#E4K.1*T*F@JJ?OW8L%7+J&/4
M<ZP96\W9:L%62T8K1FN.M5&K_0AI>Y^O,'U;2W/AZ490J>5-&$T9-8Q:1AVC
M7A!4M>^V%P.WDIH5`RUIS1DM./)2K;Y6%E\5`XV\9K31R$$64H'G]$+2C92(
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M!8*Z;QRO`-WF>D+="02EM45IY0LWZDZ*56GE'`N.BAJV:AEUC'I!Z>B^W(3?
MVLW$JDK/_"3'!3LN!4D=XN*%7P5HX*-UB+6-\F0]^*F@-K7?I:!PRP4%06FY
M4AJ;_G)=L=+T3ADUC%I&':->$,J=:9=S\>+"]>N9^MA3)C=PS7T8-SXM3HJR
M5*O\=JSQ"U/4O[@8-W\A>4A1!O-K:4-?/5G;N!<OW-UM].Z_)C*KAZ>*":?]
M-N=62@?5ZD51]3N<2<"F`6L"U@:L"U@?L%G`Y@%;!&P9L%7`U@';!&P;L%W`
M[@)V'["'@#U:9A/N:QI/C.U<O+@5E-[76&3J?X<ZJ<Q*7R^NRIK`K@U8%[`^
M8+.`S0.V"-@R8*N`K0.V"=@V8+N`W07L/F`/`7NTS.;ZO,K)+5=.%-E<C]U#
M,I/*3/,Z#5@3L#9@7<#Z@,T"-@_8(F#+@*T"M@[8)F#;@.T"=A>P^X`]!.S1
M,IOK5$0Y8\TF-9=ZP-8RC.G7U8]Y]T6KR6TQ*[EFU@1V;<"Z@/4!FP5L'K!%
MP)8!6P5L';!-P+8!VP7L+F#W`7L(V*-E-M>IIG%&KG,)Q*S/!=5/V-\RFP:L
M"5@;L"Y@?<!F`9L';!&P9<!6`5L';!.P;<!V`;L+V'W`'@+V:)E-;*JLU(G-
M18FS?VQUF^+L][UEAA[[][.^4JNC/[:JC$IWE_"5>IK`K@U8%[`^8+.`S0.V
M"-@R8*N`K0.V"=@V8+N`W07L/F`/`7NTS*HB+E6=KPHN5MT*LC^V\B_[GU1F
M103%55D3V+4!ZP+6!VP6L'G`%@%;!FP5L'7`-@';!FP7L+N`W0?L(6"/EAD1
MX*&P<&PX\P^DY3"V)'9@57^>1'`:P2:";02["/81G$5P'L%%!)<17$5P'<%-
M!+<1W$7P+H+W$7R(X*.#3@6I/E;/$,>W;X.+7$^KYWYE.+K0CHMLBUTY=T2R
M,TN+SK+/&[O:/-)_,--PR#Z%0_*)(??$D'IBR#PQ)#ZSJHB*O),=TDX,62=?
M))WLD//,L!;3[X:4$T/&B2'AQ)!O8DAW9KD`Z;+MJW5/99OK<H,+*2J5E[D@
MVV)73I:0;6)(;6;N/,@=42+;Y(IL$T.VB2';Q)!M8LAV9O96QJYR!P&0*P1`
M#`*(PM$#[VI6%8>AB>R*95RE"6+0!#%H@A@T00R:R"S4A*_8/:4)+LT-+C+#
MHX/Z%:`)L3.:(`9-9&83<>F*D-`$N4(3Q*")*-S8A8-,R!4RR2RMG,KX=.U<
MH9R#F7Y9R(3"02;$()/,[)<=NZHRA@YRA4R(8>B(PMVX:@J40ZY0#C$H)[/J
M<5DHI[9SH\EYI;_!!=?^E.%<51L3RM&JWH%A-,G,YN;&'0A#3`<S#0?E9%9]
M*RB'/@+*R<SFYL;5U*$<"@?E4#C()`SGQCHHA\)!.10.RHG"^?$*RJ%P4$YF
MMNW\S\0@IH.9MAV40^&@G,RJ,0S*R<RUG3N?@YAJ5R<F7UO\IO/SP077')6E
M7QN5?GWCGKR`[,35#%B958?OT%AF]GC\QBUC(+MLELZ>RZ=>N?Q#B?0)4&+P
M";=N'((0HP_P[Q.$-ND#H,W@`X8W//E%G^`//"'7;)8V&^6;^G$3"CZ8J;X@
MU\RJO@FY9E:U.;29F6MSUR20:S:S;7[CAE<HF#X!"HX^X=8-I5!P]`FW91QR
MHDYUS'-6UU+WK*JH@XO,[`_9;MVP!/6*JU&OL#*X0KV95:M<2)5\H4ORA2[)
M%RHD7TB.?"$Y\L781[X0$_E".>0+Y61FE4.^4`[Y0B9B5]H*FB!?:()\(8#:
MUV7[O#+JX(+KJ,KLCS#\J[&1;:VMUE-D9O9G%OX=UA"`F,DO)'QWAAJR0=6R
M4,,IL2$0&]N__!9JH=A0RRFQ(2`3>^2/XJ$FB@TUG1(;`C.QK_T1.=1&L3%.
MG1(;`C2QKV[=I`@U9H/JZ42H\938$*B)[8_1(-9\/5SV^]+P4\O^0PE81^]7
M@XO,G%AY8A77TMVFZEHM(J!,"9>5&0@S7[?"I-A0X2%.-1_=NID76J1PT"*%
M@_!."0?Y43C(C\)!:X=PZ9D2_RTA-8H#J5$<Z,K$\4^<05;YNI45Q8&&#G&.
MM!:D5+NZ<2]5;L^9Y:32:V:YS.S@Y?L*QCUQ-5(B!BEE5DD%XQHQC&OD"_F0
M';1"#%HA7VB%["`,8A`&^4(89`<Q$(,8R!=B(#L((#,K`/*%`,@7V:[M;+8'
MWZ=NO`_CZL;"[(_(>/)3UUH$PJI%8S/0<%BRE76I'P=:-:NTTBFKPO7*TLLM
MOAYNIF95N+FR*MQ"F?SPS;^/;JG7JS@K956<M;*OQ-GH]2K.5ED59Z=,X[CA
M\DZO&SEQJS^HG<3Q);!'O1[-28-4N:P'DF_;`^[#>&E)H=0\J'=+4Y6X5@TS
M'0A+CT66O/.Z2LWD%U%#MW6`SO(MC,JP!YW);1V-#>F)F:S9>%W%L2&Z4V)#
MAR;VR.]0(<1L4-TWA'A*;&C3Q![['RQ!G!0;XCPE]NY@)JN%6[<!AV`E=OF#
M5??*CN<2&C;WC>JI?=D`1)P-0A&G4NMW$+%4;(M:7@T&4MDMK\^?**M^9`G%
MBF\Y9<!@F%GU,TLHDA@42;Z0']EAF",&Q9$OY$5V4!0Q*(I\(1^R@V*(03'D
MNU-6?5\H@NR@"&)(/WT&,BYV^TG'S8BI1%IG_(FE-`[/_"^G!L+,&9K:E>T[
M4IM]GSI#*V:Z6D>VY6-+.&2;&+)-#-DFAFP30[8SJZH+R#;9(=O$D&WR1;;)
M#MG.S)RA,4.VR0[9)H9L$T.V,PO[=ZIAGI-MJ7F:CIR9.2_!9^U5858UQ-"1
M,[.EUFLW72/;Y(IL$T.VB2';Q)!M8LAV9O96?$T:`B!7"(`8!!"%\PL(:()<
MH8G,S!D:,VB"[*`)8M`$,6@B,_R#/N5&@%05/$<3N8H(E6GWQ.">F=6$V!E-
M$(,F,K.)X#,T,<O?8/_T)31!X:")*!R?H;$K9))=[5F#KP5#.0<S;0#(A.X$
M,B$&F61FORR?H;$K9$+A,%%$X?@,C5VA'`H'Y616+;>AG-K.*2>5$\]1CI0?
MC7(R,V=H6`_P:)*9S0V?H8DKS#0W&$VR:_6MH!SZ""@G,YL;/D/C<%`.A8-,
MPG!NK(-RLEEU=U`.A8-RHG!^O,(`0^&@G,QLV_$96C'3ML.80^&@G,RJG@CE
M9.;:SI4+(:;:U8DIE?MJ,7WC_DFJAD9C4FG$&%@V07[-/1D,ZH+C?H29*JOV
M5!BPLIT[SW%+>,@NF]GS'+]#@1*S6?4)4&+P"7R&%GX`GZ'Q!T";P0<$9VCA
M)_BJ'^2:HSUUAE;,5%^0:W:MU`^Y9E:U"`:Z\(;I#$W,;)OS&9J8V1OVYV40
M]>%[Z0U#P9G93_CJ&1K>#6Q%_=3J6@J51KU2X[2[?[>K@WKK&J>J5U@9#:'>
MS*I5+J1*OM`E^4*7Y(OU%OEB."1?2(Y\,?:1+\1$OAC[R!?*R<PJAWRA'/+%
MJ"9V96F"48U\(0#RA0!J7S>$I<)C/80]E6TI5)IL9^:.)=Q`BFS7-4[-=N0:
MU'JR&8;J5,,?^(,7J"$;5"T+-9P2&P(QL>D/54`MV:":.Z"64V)#0";V:,PS
M*<6&FDZ)#8&9V&/_-`'41K$Q3IT2&P*TL?V?\H8:Q:#\S!MJ/"4V!&IBWSB9
M0*SY>K3L1WK/$NO>WA4FA3FQ4F%274MWFPZ8-<I$F5?NV[1Z':XZ'G?**D'U
MRB2."S/3RY7+/&`+97H[MHRVU,M5F%7`ULHDC-_L;O1Z%6<;L)TRC>,F@+O#
M]5I&W,H/:F??!.!/%A[5+-^6'>>&J8!XQCBWM_?2R47(I\[,U-5(IZY?[L<^
M2">S2AJ0"S'(A7PA%V+0"#%HA!@T0@S"(`9A$(,PB$$,Q"`&8A!#9M7WA0`R
M,X<<[`L!4#QDNV8NVZEX6&?[VQ;F0ZE!UI.=L*?.S-35B""'JQ:)$$%F=F'N
ME0U=9+.J[:`+"@==G!(.4J%PD`J%@U0.X=*\ZU]8#]GDZ]4X`-E0',CF:!Q(
MB.)`0A0'$C)Q_'80<I+K9CRA.)"3B3-R:W)(*U\/!Y)4J?P.TI*"IY&6%$;Q
M3[7GXZDIF]5_!W<PC%QY':5FE_DM@D,WST!G%!LZ.R4VI"=F$MM7PR`ZB@W1
MG1(;.C2Q+^G/V*M!U280XBFQH4T3^_;"G2-"G-F@B@UQGA(;>C6QZ[^;O9\#
M(%B*?:\LO0.BR,#G$AHVL2%9.]E#Q-D@%'$JK1X3\6EO#1D,I41K5*QEV_+[
MBLG!L'J9R#2"&!#9';)D"%TRA`H90GD,(3V&$!I#C'(,H2Z&T!)#Z(<A!,00
M<F$(B3"$1AA"$0RA`@/=-)GJI+4,GMC\#:6N:M(M#)OS2JZW[MEF**#8Z4H8
M"F`(!3"$`AA"`0RA`(90`$,H@"$4P!`*8`@%,(0"&$(!#*$`AE``0RB`(13`
M$`I@"`48Z!20BIOG*$"*H48!PIP"W*0*!12[2@$,H0"&4`!#*(`A%,`0"F`(
M!3"$`AA"`0RA`(90`$,H@"$4P!`*8`@%,(0"&$(!#*$``YT"4G'P'`7D8J(Y
M2AL*<PIPOP.``HI=I0"&4`!#*(`A%,`0"F`(!3"$`AA"`0RA`(90`$,H@"$4
MP!`*8`@%,(0"&$(!#*$`AE"`@4X!J3IXC@*DFFC&`&%&`2._EH("BEVE`(90
M`$,H@"$4P!`*8`@%,(0"&$(!#*$`AE``0RB`(13`$`I@"`4PA`(80@$,H0"&
M4("!3@&IY':.`J1$9Q0@S"F@_%)GO^*%`HI=I0"&4`!#*(`A%,`0"F`(!3"$
M`AA"`0RA`(90`$,H@"$4P!`*8`@%,(0"&$(!#*$`AE"`@58!HS,KJWM[5QY3
M9MY"$<#I((!-!-L(=A'L(SB+X#R"BP@N([B*X#J"FPAN([B+X%T$[R/X$,%'
M!UVZ4^FL[O"Y/G;V&VD&(ZG!U7O5L=_ZOSJ8'7U346U5A@;]A$I5T(J6_DIY
M#5IA"*TPA%880BL,H16&T`I#:(4AM,(06F$(K3"$5AA"*PRA%8;0"D-HA2&T
M8J#32JJ%?1>M2%&MGC50"\V/S6"%>BAVC/SSOY-!95=)HS@KA#080AH,(0V&
MD`9#2(,AI,$0TF`(:3"$-!A"&@PA#8:0!D-(@R&DP1#28`AI,(0T#'322!4F
MEL:YKS3"D^[T?*ZRJMM#!5K1*MT>DPE#J(`A5,`0*F`(%3"$"AA"!0RA`H90
M`4.H@"%4P!`J8`@5,(0*&$(%#*$"AE`!0ZC`0*>"5&&J5?!$%6DD%2DS#@B[
M/1R3(MO"RI,@2+:P]'Z5:KQPY^K(?['3H0'Y9XC\,T3^&2+_&6*!JR&1_F)8
MWX^KJT,1Q4Z=H0B&4`1#*,)`U_RIO%,W_[>==8VD2F2RDAD*2'K3R(K8F2XH
M#.\N2>=$EX/;@:M&(R/%1H,A(PR1$8;("$-D),/J5`P9*89?N1=DH]CHO2`;
M#)$-ALB&@2X;J=129^.ISB"E&=/LPO#&.+T]M+M`T^YJ"'E4O<&=&*'MBYT&
M1-MG6/WQ(C1],:P#NN<$D8UBIP&1C0QM-HIA'=#=(3)2[#0@,I)A=8=(2#&L
M`[H[1(Z*'0*Z'*5B2)VC;^PQ4E,QJ<OL"ENM*B%4#!^)JTFFL/3&B\K7E5&1
MS&*G385D9EB=HR.9Q;`$'/K?LB&9Q4X#(ID9VF06PQ)P=.'N$,DL=AH0R<RP
MND,DLQB6@'2'2&:QXV2FND:=S*<ZG-1!3-8R2V72JN6I?#D25Y,U86620H8R
MJR8*)$@^HG1I)(CLD`QBR`7Y8I@C.[0[,30[^:+9,\-3@9H>-''MZ[I+JAN<
MT\)29S`MG%DZBCBT\)!_:3P25]/"F5V;9TG]<2@:73XA_[4&/_\@`7+=)."4
MT,B)"7WMWZZ*!%%L).B4V,B9B3UR(P7R1Z&1OU-"(Z4F]+AJ;9O?RS-K/WM[
M5_L1YO+KAOG)0%WK_`JK!H9&[?"$SWX.MR?;[>%RG4L.W1_L<AC_&-OL<+W$
MF2NK'FE9*)/;\=I:'JZ7."ME59RU,HE3W8]+2-J-G]'A\&0"[9^$F5XS&KAG
M&Y`0W?@?AH*I,IN0;%=-!\@"L4Y9]:V1!;)#RQ-#RV=6^:+ER0ZM30RM3;YH
M[=K.M7#:U-8M_&TK@$O9&]<CG;!443DVTJFKZ0D2#B\4U8$972'#M`,H\?@!
M,3&K$H1DB&OY03:2<0BW[UENHX+$Y.M5'"2&XB`QASA';@NYHG#(%85#K@[A
M]K=5AD&7M[0-_0YYD]VLR5MF:=U8M3./8&)6VA0=1AA6*<659R@QP[-EZ3L.
MW)(5_4G"E+M""D\)C:QF,PD]YA^`:9P2&VD])38R;6+[9^Z08@E30B/%IX1&
MUDWHF^J='"[M:?O['=(NN^ARIZ\&J2*--^TC[=KE,"B*76'(,3%T36)((C$D
MD1@R1@Q]CQB21`P9(88L$$,6B*'):^9:.6UKZU;^]^#R]9L??OG/].WG-V\_
M0-KX@VCICW7O3_+^.KB4;;!I3F%U'4?MRG(3S2EV3]5Q*CO-#]JX."M$(S-$
M*S-$,V=8+<_1S,6P].&1_X-W:/IBIQ^-MF>(QF>(UC?0-7_:L=;-_XUSDFQ\
M358R,W6<]!<#TI^8,!.0L$,=Y\K_S0F(OMAH"R`C#)$1AL@(0V0D0SOI%,/]
ME#"@>T$VBHW>"[+!$-E@B&P8Z+*1MIQU-I[J#+)%-<VNV]:R+L3@(M"TNQJB
M<QYFD-&%FWS0]L5.OR_:/L.J2H*F+X9U0#?E(!O%3@,B&QG:;!3#.J"[0V2D
MV&E`9"3#Z@Z1D&)8!W1WB!P5.P1T.4I[UCI'W]AC9#ML4I>96<6-!O0P0_JS
M6M2)A#U5QU%?V&E3(9G9N5I[(YE10*J2()G%3@,BF1G:9!;#NNVICA,$1#*S
M<W6'2&84D.X0R2QVG,RT6ZV3^52'R[M;\QS:I>QXT:^K;D1U'#&S0Y^$*Y,4
MNEMFU42!!,E'E"Z-!)$=DD$,N2!?3#QDATY$#,U.OFCVS$P=Q_C:[H)7\YS5
MPGM[M\\7YO;Y;A<Q&:AK/<B%KKQ*5K-\E."[7*NA*T%W!X;9]9#WH0_='\QR
MZ!O_"L?9P:`D=WY@1V,O#F8Y=E5KV2^6EH?K)?3JP(Z&7A_,<NC;:G'O\IOV
MNV?T(.B:R@;"7'[=,(_\BJO);V;5P-"H'7Z)L)_#?1U'/ZTT"G))89"XS"2,
M_^OBR)M<+W&0-XJ#))DX7,?1ZR4.DD1QD!$3IWK;BDM(VM2>DY"\"39#VE5F
M3]5QQ,P,:>I:YA<D)(>K>@]Z%#%D03ZV^"(+9(>6)X:6)U^T/-FA2Q!#:Y,O
M6KNV<RV<-I!U"W_;"N`J[T-MP\L6%JDN8XKOU^@)XFIZ@C!3QQ'#='98XG$=
M1\RJ!"$9'`_9D/M+&S*\UM:=MR(S^7H5")GA0$C-(="1&T.V*!ZRQ?&0KD.\
M=&/5BRQ<ZM)&]#ND3O:S]>+M*K-4$:Z:F@<Q,2O5MBDV&?LQT;KZF03=*)M=
MR?L(7&ATJ7S]NH1&%D\)C;R:T+?^9_U(+,5&8D^)C52;V)=NL8T<4VCD^)30
MR+J87>?B%@X?#H.]RSLZP-&\G_C3LZL49[\Z*4D>^^K4JX&:I;K'00PN7^C%
M$@Q6NG2&%A@B\PR1;H;(-T-DER$RRA`I98@$,D36&")M#)$DAIL(;B.XB^!=
M!.\C^!#!1P>=5-+^G(>(\Y]2O9*-OADDA*4BP$$8HX%[D@C2*':5-!A"&@PA
M#8:0!D-(@R&DP1#28`AI,(0T&$(:#"$-AI`&0TB#(:3!$-)@"&DPA#080AH&
M.FFDL@!+X]PG#S&`\Q)86#460`4,,4`PA`H80@4,H0*&4`%#J(`A5,`0*F`(
M%3"$"AA"!0RA`H90`4.H@"%4P!`J8`@5,(0*#'0J2/6$6@5/U`RNI/Y@Q@%A
M9>./;!-#LH5A056-%\'2H-CI>('\,T3^&2+_#)%_AL@_0^2?(?*?X?^R=K;+
M<2-'%GV5"3_`#M'-[_!.!"E*I"B)(XVD!QC;G+%CQY9#DF-??T\"6<BJO,EN
MD:L_^CA562CDO2B@"FA@6'_K*O:[DV;R.$(;Q!$*<81"'*$01RC$$0IQQ`"3
M^+;ZT8O_Q&M_7T09/.$LK@;PA#`\X:P]IU`]]]C5Z?P0@0WB!X7X02%^4(@?
M%.('A?AA@=U,G>$@*B[+[?(()UZ(.JW7>$$A7E"(%Q3B!85X02%>&.#H!9L>
M#U[8,Q#,]=/25F.]Z,JN)F?=T?2\8"\*=EVPFX*]+-AMP5XU-G\D*2YB#N3"
MOO4YIO-O6FRW'W<%^[E@;POVKF"_%.Q]P3XT]O!^)+EM_64]]-%^G]S+>LTP
MOV=NEI;NGTW*D%OJ(;<PY%Y8-]]&;F'(+;'([<P^'Q0R3FDPQ@+2'A:H8],4
MYW6KU_4/"TA?L(`P+"#;Q0+"L(`P+.#MC?N6+8HM)!9;E+%3[%NRA2T4/<86
MR\+2:`MGPR@@#%LX&W<K/]2!5206JSBSMPQU<L=#+_.:,?:)>FV\Q3_2(/YQ
MECJ3;NC@GZ5>YP'\4\?&]-T7L#46_]2Q:?C!4UXODHJGG.U.`CZ+>BT)&&V!
MW8Y@-*^X.PD836(Q6AT;24A&LR6NQQC-U\GZ:XQC9Y$3QA]A&,W9N%OY:R<8
M;:G7I02C>>R8XTVZC8G1HE[+,49S&!W$:,Y29]+B(T9;ZG6=P6AU;)IP,U!)
M+$:K8]/CC!C-ZT6?,9JSW4G`:%&O)0&C+;#;$8SF%7<G`:-)+$:K8R,)R6BV
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M-]*VE;Q>VA;K/]A()R5TEB!T;D&<K]<-RIU^M&_UEL9/8WR=>X01I'&,,`:E
MO<`42WDWPF&*B.DZE%\WCU%D>Q@E8FW*O4W#(JZ1(%S3@G9F`">U>DL&-OE3
M8/A*6L=78U1^^@*3+16Z'&"R"*ISD(QG"WJ]\9YX3O-UP<&/SCC114^VVW29
M@!^]WG">:['+^RO3T(X=E_)NS['CPOAQ=!NQL5YJ)_D:ZTE#6*\%,>$)7V<;
M84&)Q8(1:S;2IQHT".^UH&5OL]!X3[:$]Q;6[2X^2PUMTF&#SZ0E?-:B=NXO
M=I-8[!:Q:7^3SVSM\#OXS)<@0^/+R=[6:_<>[3LS(5?^<A(^6^IUUUB<TEJL
MWRE-1SU&DR",UH+8]]A@7GS&?*V>-YXOTW"?M([[G,4NXC1A.$T8`YNTA[D6
M-O'EE'DM,5V>82X)PEPM:.<N8KA6;VE\FS^!@>&D=0SG+'81<PG#7#U+?K+U
MQ^_@)U_&C)[@)V?Q@P.\(PSO",,NPK"+,*PA##,(PPS",(,PS"`,,PC##,+0
M7QCZ"T-K8:@K#'6%H:XPU.W9J.[)L(*\?TEQKI]6D!N+J]5G?*IB&2J"7:V,
M<TD<S=M\-#_OZ[7SRXL*7E?PIH(O*WA;P5<5?-T@I_S6HS>-S6_?7P<G^>W$
M75^O!?]<P;<5?%?!7RKXOH(?$DSBVSKC___0MF]*+(^DM/V[G!J+2PT\X?6"
MX0EGZZTD^;D#?H@Z;0/X02%^4(@?%.('A?A!(7Y0B!\6R#RC]0@_1,5Y^.?9
MH)A?SM??>"'JM$"\H!`O*,0+"O&"0KR@$"\,,'G!E@)[+^R9\MHW*41T9R$P
MH@M#](5U1Q,B"T-C84@L#(6%(;`P]!6&O`M[^!;,K!R*>^R@N+2'PL(06!CZ
M"D->8:@K#'&%H>W"'MZ/)+<MR#U&;E_`ZT_?]D$0L\`@MS#D%H;<PI![8=U4
M`[F%(;?$(K>S<7$RWV[!`M(>%BACN]LMS0(2RT'OL9$#+"`,"T@L%A"&!81A
M`6]O][YA"XG%%F5LMV_)%K9.]AA;^+K:8`MGD1)&`6'8PMFX6WHKJ=6+]K"*
MQXZ+VU,:;[%/U&OC+?Z1SN"?NC-IM0[_+/4ZC^*?.C;-"!E")!;_U+$R=6CU
M(@EXRF-W)P&?1;V6!(PFG<%H=6=2$C":Q&*T.C:2D(QF*W2/,9JOZ`U&<Q8Y
MP6C",)JST6AZ*\GK==IB-(\=<ZRWDKIZ+<<833J#T>K.R*TDK]=U!J/5L6F5
M#Z,M];I8C%;'IC4B!B^O%TG%:,YV)P&C1;V6!(RVP*XS&,TK)D52$C":Q&*T
M.C:2D(QFJW2]T9ZV[';BBWV#_Q;6+7/@/Z\7Z<-_SM*-"UEJ\WI=IO"?Q^Z^
MB\)`%_5:ZO&?=`;_U9U)`PX#W5*OVSG\5\>F41?_R7;Q7QV;DH#_9+OXSV-W
M)P'_1;V6!/PG#>(_KY@424G`?Q*+_^K82$+RGRW;K?[C`GS?=;4O\PU&<[;O
M5M*)UQO,YRPFXEQ\23V,)O4PE3`\);%X2NKA'V'X1QA>D?;PBM3#%\+PA3`\
M(`P+",,"PI!;&'+W+$EKBV:/D7999!MN1Y\XVW<KJ=4;I/581M&T(CQ?L**S
M5X@@=*XV6-Q*:O6\\>ZSN7/C&$$:QPBI1^GL@BLD"%=$4"P+;?)-`)PBL3@E
M8N<Y=QR%<R^QC01A&V=#SB4%6&EL?'N46L=8TCK&&J/R+09<)D&X+(+J'"3G
MV8)>[[PGGM1\77`8:YSMNY=TXO7"6YSHG#&LSFJL/X5J?I08_+BP[CS#N)/:
MB8O(YCUI".^U(`[8=3E.;(0%)18+1FQU).$]"<)[+6C9VSQQP7L2A/<6UNTN
M/AL;VN37K^`S:0F?M:B=^XO=)!:[16S:W]%GI\/J,">OI_EL;B8M&C=FWV@.
MN?1>DM?CI6;ME'XUK;%GR\"7SMO/6X4NZ$5C\T>A8X-Y]?DZZGGCAVD0NVDU
MNM9?%NRV8*\*]KI@;QJSKP*;0MT[\WQ@T[S\'$%#3O,NOHUZ2^-'>I-<6_^E
M176[_;Y@'T:6_&0+D+O&K6_\$>2I+V3V`U=CO#FE.>795$#LX]%=32RC$,\H
MQ"`*\81"3*$05RC$%@KQA4*,H?"N@KA!:R*]PG<51&ZMB=X*$5SAQP23#6RM
MLK?!GFOB4U_;'.1V9N\D6`_G;?YB-PZ(>LT6.$`A#E"(`Q3B`(4X0"$.4(@#
M%.(`A3A`(0Y0B`,4X@"%.$`A#E"(`Q3B`(4X0"$.&&!R@"U+/L8!OHPY.,!9
M<D!:1,`!4:]S@$(<H!`'*,0!"G&`0AR@$`<HQ`$*<8!"'*`0!RC$`0IQ@$(<
MH!`'*,0!"G&`0APPP.0`6R]\C`-\?7%P@+/D@%@*FL^5."#J=0Y0B`,4X@"%
M.$`A#E"(`Q3B`(4X0"$.4(@#%.(`A3A`(0Y0B`,4X@"%.$`A#E"(`P:8'&`+
M>8]Q@"_\#0YP-OQH^50A0[Y"Y%:(W`J16R%R*T1NA<BM$+D5(K="Y%:(W`J1
M6R%R*T1NA<BM$+D5(K="Y!Y@DMO6S7JYE[G$X]]J<.H+<`PNZXG_)'^C_7)J
MU7:_`:.KU0T-OH7.57A%(5Y1B%<4XA6%>$4A7E&(5Q3B%85X12%>48A7%.(5
MA7A%(5Y1B%<4XA6%>&6`R2NVZ):]8E_/^^M_OGS]],^;^W_\/KMG[VKJJ:_>
M#6.&L_$-&/J*HQ9+O<X:$=P@UE"(-11B#8580R'64(@U%&(-A5A#(=90B#44
M8@V%6$,AUE"(-11B#8580R'6&&"RAJV496M,1X]]`\:I+[@-QG#6'?;/IE:Q
M@YQ,M"8N4(@+%.("A;A`(2Y0B`L4X@*%N$`A+E"("Q3B`H6X0"$N4(@+%.("
MA;A`(2X88'*!+6#U+M@W@_0%KT%N9W%G!+6%(;:SX>58Q6.+7;TV-*!_!#>(
M_@K17R'Z.XP^(G]4C!.@/'>((Z)>VS2.4(@C%.*(`8[I/_L^ZX)S,VE=L+%8
M5WXV*;L*MOS0H_SVUAH7BX<O^L"6ENL*WE3P9<#UI'`;[,&^O.KKM,V^KN";
M"MXEF-2P]9=''`QGOE[3'PR-#6EOZSKKKI+VA0V/[BDCRU*/)`LCQ[Z-#1.%
M]6INFW\31-J]7O2/M$M[I%D8619&DH61XX5-#_8EI=W6-QZ3=E\/&=+N+'8+
MMPLC[<*>%XRT2SW2WAA_=RE.B^9($?6:0\E[@ZL'R+LP\BZ,O`LC[XWQ]\.=
M08NH1V=2XFU9H26>IP_WW5(_\V6((?'.AL0+(_'"2+RSX6VQVWS_!S$D%C$6
MUCWC0>++]O(WD=!"VD,+86A1MI?[ASX2BSX+Z_J'%F5[7?^2/#;G[^5YVDVC
M,U\Z&%1S-GZQ;)L>4.,0\GJA+DHNK+OSAI*M/2XXPXWYR3"4E/90LC&R$['=
M^Q_]7F57KSNL6G!_6"VLZR!2>KW-S@XBI;2'E(WM["#R1CT]U&Q"G[7<;/X+
MO.>*Z\R7`@;YG&VXLHN4Y1MLR.?U!OF<Q940\BV,Y;^66:226*22>AQTPCC`
M))8#S%EL%U4D%@4D%@6D'MGN63IP;$;<)WM?BGT&/:38F7WT/E*<?YU(BMOL
M>TT=1X@P4MRV<3#?ATR+ZZ1;8DAWB^%\NO9!GJ]`@E;/VTXW6M%#&D</8>@Q
M-I3.;&@C,6C38G9V$KU:O:63W6,I23R;L_;B/7'4\ZGOH&ECXSDSI0M-O=YP
MV"RL&U30M+6WO)X\_5(739?R[AR`IMY.]`O]QG;24QK()^T@G[2#?&,[R6/(
M)^T@G[2#5*F=>%PG2643R^\@E<]/(R67TUECC*EA?7VJP>MU]](Y_)98/@[5
M1C.D:NTMK[M.=S:0RF-B!$2J%H-SHP_Y*0#D:_66MO,8@7[2./HYBTZBW]A0
M.ANCG[2#?BUF9R?1M-5;.MF]%CII:K/579I^XY,%9S[KC?U#U,;Z)PL*B(1:
M$PT5(IQ"E%.(3`J11B':*$0<A2BB$$D4DO\!#CG?\)WFW3F__(3_&%^+\Y@-
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M<NS;>'"!:1X12;O7B_Z1=FF/-`LCR\)(LC!RO+!O7.SBF=1'IMTGE4/:VT1S
M=1-I%T;:A>%N8:1=&&EO#`NM%S_;;9H2($74:PXE[PVN'23OPLB[,/(NC+PW
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M73O7C4W;H0]Z`*Y]7=H^3(V_;`UUC=^N+#KYJK'6R2D9X76KT#7TIK$]O;R+
M>DLO>67/:M>DJLU8=QV`W[;@M9E\YAM[>+FR[@<RSRIX54%4;)/I6"]#.H5H
MI_"F@HBC-5%'(?(H1!*%:*(0`13^7,&W%7Q7P5\J^+Z"'RKX,<%D`YLJ]S;8
M<QJ=K'X^BIVEQ^C3.CP.B'KMX@X'*,0!"G&`0AR@$`<HQ`$*<8!"'*`0!RC$
M`0IQ@$(<H!`'*,0!"G&`0AR@$`<HQ`$#3`ZPB?QC'.`3_^&`=]8]Y(C<"I%;
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M$*F49JY\>,[DN,H`\];#<R:J51EQQQ97]9"X8XNKRBX8NJO!Z]*&O&IO[111
M<4Q0>>#BD/;+`'0N=X0'Z,ZY35^5<5.=!-1E+%9,EH"JTRP<3):`JHRXC<55
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MQ#'@\4>Q/>(8\.HRXDXL+]6`35Y.K,VJC#9/+"]5&7DYL>U595?3]ICME:>G
M:RN[J<MNK>Q57?;&RN[J,K9G^U>>]-B>[5]9QO9L_\HRMF?[]T`9Y[^[J3P!
MO@>C>UE&/VV<+T_U],7&^;*,./-+>2%`G/FE++OD2IQ36GDY?C5-6W)6SL+>
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M?OC+IZ_\"GS^Y]_O?_W;_6>KS7W[WSY]^MK^PX[\^+^?/O_/O&SRT_\)````
M__\#`%!+`P04``8`"````"$`S<KC^&H/``!?30``&0```'AL+W=O<FMS:&5E
M=',O<VAE970R."YX;6RLG-MNXS@2AN\7V'<P?-^)=;(=(\D@UH&2L`LL%K.[
MUV['28R.X\!V=\^\_52)+)%%5GSHS<UD^E.Q1/XLDD5*UNUO?VQ>!S]6N_UZ
M^W8WC*Y&P\'J;;E]7+\]WPW_\WOU93H<[`^+M\?%Z_9M=3?\<[4?_G;_][_=
M_MSNONU?5JO#`#R\[>^&+X?#^^SZ>K]\66T6^ZOM^^H-KCQM=YO%`?ZY>[[>
MO^]6B\>NT.;U.AZ-QM>;Q?IMJ#W,=N?XV#X]K9>K8KO\OEF]';23W>IU<8#Z
M[U_6[WORMEF>XVZSV'W[_OYEN=V\@XNOZ]?UX<_.Z7"P6<Z:Y[?M;O'U%=K]
M1Y0NEN2[^T?@?K->[K;[[=/A"MQ=ZXJ&;;ZYOKD&3_>WCVMH`<H^V*V>[H8/
MT:S-)L/K^]M.H/^N5S_WSO\/]B_;GVJW?OS'^FT%:D,_80]\W6Z_H6GSB`@*
M7P>EJZX'_K4;/*Z>%M]?#__>_JQ7Z^>7`W1W!BW"ALT>_RQ6^R4H"FZNX@P]
M+;>O4`'X[V"SQM``119_W`UCN/'Z\?!R-TS&5]EDE$1@/OBZVA^J-;H<#I;?
M]X?MYG_:*#*NM)/$.(&_QDEV-<VR=#R=@),C!5-3$/X*=S]2$-QVU8:_IF!\
MO(IC4P#^F@+CJWB:1=D8VWGD3A-3$/Z:@M'$"G2D((RPKHKPEPI.KR;1Z"8Y
M(<J-*0A_3<$SU8P@>KI;XO_0/8^7O=;AT$57L3@L[F]WVY\#&+*@YOY]@1-`
M-$-W%%>ZP7VD?11H$&'HY0'=W`U!.XBA/8R.'_>3++J]_@$1O30V\]#&L\C)
M`L,7W18^*'U0^4#YH/9!XX/6`=<@2Z\-C)7/T`;=H#;4JCD!*U;,I<K)@HH4
M/BA]4/E`^:#V0>.#U@%,"!COGR$$NH%YAP6)U_*YMHE2F"GZ4,H\=:Q-KT^(
MRA!5(5(AJD/4A*AEB*D%5?\,M=`-C$JX3R_$)$NX%'-C=%0N:]/+%:(R1%6(
M5(CJ$#4A:AEB<L&T_!ERH9M.+FKDW)`4YM=>P22=<`5S:T4%BQ"5(:I"I$)4
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MMN*Y(9FK1Y+>\`87UHKT+S4Z(79P/V6*19T&V8T7JW50H`E(:UP8&2?6!9,1
M4\]/TK%SQ84DY"A)B$N9>0._<,QZ+0T[(2:5M/=45%#+^26+O;6H#LLT(6K)
MC9;T2S:R;KBFF->ZH_U8;)Z_F$0Z78;$A!29&Y3$/<K)"O;$=N@F_IZ@<,S(
M6VG8*7UU-9Q[*JI&VH7KE]B;>FNZF>V2AHK8FK>$<![\<6]]<&TQ5?Y`VPND
MU`DWD]*@#*:??LI+,B]-SB-K1KH5`BL-2\&\]Q;.LF3%%T%O0E3&"D9,-R,F
M7IUJ\J+/#'#_UA""T>W<WG/<DF.])B8W=@+GFF/*?4SSW[?O,.[%7`B"B58U
MS*B]B9;0V$9&+K!"8*7`*H$I@=4":P36<L9%P<3:%>7XDAZ9/-P=O`:E/.*\
M3LJI))C9B+-%B96"724P);!:8(W`6LZX'IA*NWK@I!?'5X`O7(_Q=,V/$X,\
MJ>R:UJ7;.95D4MFB5JJ054)9);!:8(W`6LZX5)AL?XY4)FUWH\H@3RI_*Q]9
M,Y*E$%@IL$I@2F"UP!J!M9QQJ3"C=J4Z,<IT`@[#EAHUCPR"G3JQ7&"%P$J!
M50)3`JL%U@BLY8PW'C-AM_&_>D:H,VJ<S/K%8))Y@V<>&:NC1QJ.$:E9"*P4
M6"4P);!:8(W`6LZX<IC\?H9R)JUVXXDR;1A`O9I)9E-!,Q59,RM4R,HH9)7`
ME,!J@34":SEC0L5'TO_STZG."\_\";G#3F"%P$J!50)3`JL%U@BLY8QK<B1]
MOT"3,%N/#7(S\_#(@ZP@,/KX"C+'PEA]>)Q16@.*OXH\VT1"D=5')QJU-0`W
M7";,A/TQ%M_@4S#I4,Q)!&.30SNCBI#;Z"2S6W\]J,C*3N6%0;$[&N.1ET.5
MQLJ<5*3>U%>%?A4AMT*!WYK\ZAVALXGE2HGY\Z13ZH*`"M/G6*,$XJH/E23S
M3B5RLK);K<*@[&CK2BJHMW7^MJ.BR]:O(N162%#-5%MO]!+;RUPU/\'N$DIX
MJ'@ZOL)<.S;(;7`R]@X=<K*R`Z0PZ%1\:?>QWDBE<#+@16`5NE:$W#H)8AG7
M>H2F:119UUPO3&K]\0B/4E&O"Z(,O7A3N49L*YN,[?[<C$UC93>A!=X9?9T*
M,V,V'NG]K7\(7!D_J76M"/'MM56FJU-MK,;F@-(Y+^7*82X<*)?9L_[S]K<8
M([YT!L$T3;-P3F8.*P16"JP2F!)8+;!&8"UG7)3+,F\(_:#QE'FS_>W8.[W(
MJ:2[:1-8*;!*8$I@M<`:@;6<<3VD9/R7]K=QGXY33,P)\4W;V(OGW#&CHH7`
M2H%5`E,"JP76"*SEC$L%,QH;3\<W;3&:>U..02Q[#%E!11V[4F"5P)3`:H$U
M`FLY8XU/Y(SZXE.0SD^GBEW;)YFWC9^3U=%-FV/4AXW`2H%5`E,"JP76"*SE
MC"N'Z7$X#5^NG$FSG?02,R0,,?Y(>NRIF3MF5BA;E%@IV%4"4P*K!=8(K.6,
M"R5EWI&S7IWU;!H.\/UA1\A].BVP0F"EP"J!*8'5`FL$UG+&-1%S[(LU"7/L
MQ*`3#ZH=,PJ30F`E,9C,^I0]V-U5QNK#W9VR!G2WFCS;Y+4AJX]V=ZTU`#=<
M3TP[W<%X?`Y/3'[MCCF#3CRSII)@1DTI!%8:ABG=,>%,MGQT.ZC(ET[7H]A/
M9FNJ@-UH-H1XQWDK=$N>M>)1.K%I,I<7<UY7WF./"$](;])G5WJ#;/7SQ"#^
MV#5X@NV846^4AIU2/KBGHH+ZL>ODQCLCJ^EFMII-B%KRHO?8T]A.VEQ1/XD_
MH5J8K">4K/>!F!/BJHWM<[)NGU$X9E:UP%M%9K:]*D1UB)H0M0QQ(?S$O0LM
M>.?XU+%,$J;PA&R-\Q`5!K$`2<9>;Y=AP2I$BGR91_63X*62L$P3HI;<F$?U
MT^D'APR)E-5'YX@5)O&=+TPRG/@Q5A85QLH3RU:OBZA2LA*6B<"]HH)&ORCV
MSKKJL)9-B%IR8_3[\-`AP:3\W'GL_%.(SBW?$A@$*0`-L9RL3KSJX)A1T=(P
MU@N"OGK+X=Q3437H50?^!E!-][(=WE`)6_&6D#X`^^*\BL9&<BIO)>RYQ%EY
M7N>%:TGHQ+L.CAD)5PBL-(P=$(5BDA6LT,X"[BV@BJS,2R!1ZLVU-1G8PZ"&
MT/&7'<A*OT41Q=,/EF8X9OHPI+L(/N\TJ'/CR6ZV$N[;#F3FL$)@I<`J@2F!
MU0)K!-9RQD/1WW(<7UTQ%+PM/2'OB,,_K';,;,P9;\X)42G850)3`JL%U@BL
MY8SK(6TW?NDT*`VW'(2X5!/_M-HQLU(9;TRJD%5"626P6F"-P%K.N%28DOM+
MQ*])97843J:+YQ[=QAY6PGY629RL6Q]..V96*EN46"G850)3`JL%U@BLY8Q+
MA3FT*]6)4692;E</RL+M`I2G(2L$5@JL$I@26"VP1F`M9[SQ?@+_BV\[I'UF
M;R-BDGG+R)RLL#?ZP+%;"Q,VE,-;-0NGH`V;T*X2[)3`:H$U`FLYX\J)&3_T
M^H4O7L%Q0S!K&X1W[V5*_*=;.94$,Q*E$%@IL$I@2F"UP!J!M9QQH3!?=L>7
ML^L^/SG%:=E?W"@1MX&2DQE$F-4DM"L%NTI@2F"UP!J!M9QQ38YD\!=HHC-E
M]\4K/&M%F2""^L@)WW8@*S!VK&QJIC?8Q@JZ%M^`A=S2V]64UH"TKLBS/0]3
M9/71>5AM#<`-DRF3<O&SWG;H2O)$D)#;Z,1Y0U_//F3EQ(]!^-C.4<O+H4MC
M1;_+&'DY5A4Z5H3<&H7/HLFQWA4F$[MKY5J)&?2E3Z(SDRT[JYM!>#3>-S]\
MWX&L[(:K,.C$@V@JJ/=V?KY5T67K5Q%R*R3(IEL"!UD8O5,;NUPU/\7&R>F\
M"`NS;>C[;O"Y_0D_B^:[U9RL[!`I##H58=H]/"[%%HVSB?-HO0O>*G2M"+EU
M$L0RKO48'8^GSEL:7"\I!;_X?8<L3+\-PNS?1IE_1)R3E=V'%N3K5)B96X[U
M&4TTFGC)217Z5H3<2@GB:=?P_`;[)8HF]A".:X>Y[[&%\+P]+CX3\59"0C!5
MTTR<"ZP06"FP2F!*8+7`&H&UG'%1,$]V13F>?>-S#;_QE&G#,F]#Q^_>G$K"
MJDP:%0(K!58)3`FL%E@CL)8SK@=FM:X>W83T*V_TX_&Y+Y5!F)DX4MEX-6N@
M-;-2A:RD.SB25@)3`JL%U@BLY8Q+Y6?@)T(G3+3Q#!,E<K+%7&"%P$J!50)3
M`JL%U@@,/['BU$\W7G\S17_58K/:/:_RU>OK?K#<?L?OH<#AXOUMC\W'6M+Q
M[`%<05]Z5V!#-L,]CG1E`E?D,E.XT@TBWUN6PE=ANL0IN)+!E>Y98W`%:@!]
M+-0@@QJ(M7Y(1K,'V-,*9>`*ONP@78$OUD`*(UV)X4J77OAU2Z$,',\)95(H
M`TN5="6!*UWV%'@#=72@!5=`';D]$6@`N7QXGX=H.GN`%V+"*_"3`B@C]D]T
M`U?$,C'H!B]G"]YBZ!_(2Z0K4#?(1:0K4`-X4TFZ`C40:UVD-S/<3X1E8/\P
MPRU">`4^0O0@]@%TF]AKT&FB/729U&,/Z>Q!%'^./2E4:(Y1+G'04)(07A6`
M.TNWGB?I#!_(AXV&9\IP1;H+/#>%*])]X)D-7)$DG*>C&3Y=$.X313/\O6IX
M91[%<$42$MZ/G^$K\&$9>.5]AF^UAU?FH`&^LQ%>@?<Q9OC*17AE'H%N>M?K
M#Z4(ND8_"PRN0.?`S\,D;]`]\&LHX<ID5D@!7DUF\.&"T+Z!$2'Q^7162,,A
MAVZ1>B6/H%?@=\]PA^N^&?!YJ_?%\^J?B]WS^FT_>%T]P70_ZAY+[?0'LO0_
M#N9GH5^W!_BP%2QN\)4C^)#9"GZ@.L+'T4_;[8'^@3?H/XUV_Q<```#__P,`
M4$L#!!0`!@`(````(0`O2'D,/Q@``-J````9````>&PO=V]R:W-H965T<R]S
M:&5E=#,U+GAM;*R=67/;R*['WV_5_0XNO]L6J<6V*LFI6.*^:*ESSWGV.$KB
MFMA*V9[)S+>_:!)H=`-M4<[D99SY$?BSV>@57/3N7W\]?#OY<_?T?+]_?'\:
MG8].3W:/=_M/]X]?WI_^W[_3LZO3D^>7V\=/M]_VC[OWIW_OGD__]>%__^?=
MC_W3[\]?=[N7$U!X?'Y_^O7EY?O\XN+Y[NONX?;Y?/]]]PA'/N^?'FY?X'^?
MOEP\?W_:W7[JG!Z^7<2CT>SBX?;^\;17F#\=H['__/G^;K?<W_WQL'M\Z46>
M=M]N7Z#\SU_OOS^3VL/=,7(/MT^___'][&[_\!TD?KO_=O_R=R=Z>O)P-R^^
M/.Z?;G_[!M?]5S2YO2/M[G^4_,/]W=/^>?_YY1SD+OJ"ZFN^OKB^`*4/[S[=
MPQ68:C]YVGU^?_HQFF]GEZ<7']YU%?2?^]V/9^??)\]?]S^RI_M/]?WC#FH;
MXF0B\-M^_[LQ+3X9!,X7RCOM(K!^.OFT^WS[Q[>7[?Y'OKO_\O4%PCV%*S(7
M-O_T]W+W?`<U"C+G\=0HW>V_00'@OR</]Z9I0(W<_O7^-(83WW]Z^?K^=#P[
MGUZ.QA&8G_RV>WY)[XWDZ<G='\\O^X?_]D812O4B8Q2!OR@2G5]&H^OQ)6@<
M\)N@'_RED\?G\=4TFL[,V0]XPM&NV/`7/2?G5]/I9'8U<,H9.L)?*NKU<9Z7
MZ`E_T?/RN+)"5^O*"G_1,8[.)_'T\JJKXP-7>8V>\)>N\F"M1-!\NE.9?]#E
M33B<!TX544,P_T#7\>2X8D;0>/K3.JWH/)J,AJ(84<,Q_\"37AW5<B)J.N8?
MZ!E/CW.EMF.Z";H>V7@B:CWF'^@:C8ZZ4FH]$3<?J*Q#`:%F$W&[@6O5'A=]
MC^X&B.7MR^V'=T_['R<PZD(@G[_?FC$\FAL1&AIZ"3M8O#96P"!A5#X:F?>G
M4&P8!IYA@/OSP^75Y-W%GS`HW:'-C;:)?(L%69@1R,@N)4@D2"7(),@E*"0H
M):@DJ"5H)&@E6$FPEF`CP=8!%Q`>&R-H`[\B1D;&Q(AJ]X8`!RT6`2$+<EE*
MD$B02I!)D$M02%!*4$E02]!(T$JPDF`MP4:"K0.\@,!`I`(RAM$T/)]2'S%>
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M4J-*HUJC1J-6HY5&:XTV&FT]Y`4(EFXJ0+`#>5N`C(@?H)[$4Y@<;:>:C<:B
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M;:-IY,8D)$T@1=2XM70M>(%F@U%#-:ZSQ'H.1$UY9E0T%LL)807%$['J*,B`
M?4J-*D2#05-E:K182RA0)C]F9E,N8_;FQ8K9<LN.A^@*UDG.("E&L@5Z#H:P
M5QO'MHTDUM,=A=7`E%+1N.XS1(Y8?IQ8H<5*+5:1U?6DFV7%PK&FPURB1HNT
M9*5$_/"9S;@,WYOW!B8'+\/7([$[D,/1`CT'PX<GF#GAHQ-$M`CTI\^4"L75
ME!%BF9P*,"69F:CN@IQ8IR3$.I70$2(U>;!(0XA%6B%R%KVV2#2Y+16VM_<Z
MHR*F.T37?J\3"_=%=WXSW;EF>I>`9I&GII;SB36[ZD)Y+>:L%(]/^GN.YN9!
M9EW\`HC1(4>S^*I7/HM@</2;2:'%R^/$*VN&XN.I6!746KNQ3@<+WJ(9%WPZ
MX<G+[\%FWR][<`2W<&'8--F7?^^_0XCQ?XY*Q9A[6[)9(.*VND"K^)*GW66`
M)<A@ITBS<QHPRP(LUZY%P*P,L$J[U@&S)L!:S]6O:H@95S6,/_T.X(T;<W,#
M4%9OC^1@*98!"_)T<BF(XBEL87B6'(D>E#AF'`4L!ZMECIFK)KI,[IB16H$,
M;C,2*ATS5TU<5>68D6NMU1K'S%43`VWKF(&:'SZS![<]!</W]D$3,P#<[&_,
MO56(J,BL1*)H"VL&"S`;J\"@B6H#N152F_9[O)D8^E(\#E,*U6IF70ZF*G(R
ML[F*T;78FA9:O"2OP\6NK!EE6*Y%:J+6VHUU.ECPELQLP2<Q-S:_*9@=O]L4
M#F=9(DP0N#&GG`&T(QM,G6=!S\'U#:G98"5TSJL^*1&->/SO-B\I&;@!5C*Y
M+8!;3K7*+;1828A[='6<6$V>7+*&$(NU%ND+]&(5>WD7.^H&[R<X>9?.S5_<
M$!*[0M&X%V@V%#-2XZM,"-%.UUF^]3$C`_;)-,H)H8P8?@LZS"*E1A6BH=V@
M]FPT:@G1A<U>Z5<FQ>+UJ^-R9)V;B!6F%D2LQ`IK@9Z#L5*)BL1ZFH42/=BB
M.D9*1>/*SC3*"5']C&7&K2`+UBDUJA`-!DU=3J/%6D*A0OD]S&0$W-'PR*AA
M(L$9%6-$(FIBZ%J@V6#44(WK++&>`U%3GAD5C<5R0EA!D0Z:DBG)AV6JX\I4
M:\]&HY90H$Q^S+R\R\\N9F*==R'D;>UFLFH6:#880IUWL9Z'\RY4#J[H#)&;
M=SE.K-!BI1:KR`I3)A-Y[X>.<Y$:K=*2E5;Q`P@Q"W2Z-VXF8J,B1LX>R<V$
MN)@%>@X&$$_`.[^$/#%E,A9C<DIEXFK*"+%*+E3.HFLUS^&I6:?4.I70T4%3
M*HU6:84*W%)\;88S"1(Y5KYY$P'K%!4V1%ZN9!:)2EF@YU#FA4[@J>G,BS5[
M)?."Q]W,BW6![2//F_+6;XYFG,#0F1<M7AXG7EFS5S,O6KNQ3@<+WJ(9%_S5
MS$OL95Z@F9EI\Q]E7CI%T9O[S(N;9EF@F<N6`998QCTHM8QG[2S`\@`K`JP,
ML"K`Z@!K`JRUK"NS/V*:A(7L>F_.5<>8]N#KOT$D1TRQ,5V0)^]AEM83-EZV
M,\Q4^L4QH\UXJM4RQ\Q5$T-`[IB16J'52L?,5>-QK=N25(X9J=5:K7',7#61
MXV@=,U#SP_=+TB^Q3K\@$NF76&WK*$L#BSH;*YU^(;7#>8S$FO5YC&@J\R]4
M4.Y[F?4YF,;(R<RF,4:QJ.9"BY?D=;C<E37#_,MD+'*%M=9NK-/!@K=D9@L^
M'O&JPV\+)E'A=N7#^9<8\QINGZ54!XR[-IJS6*Q%%N@YN,HA-<Z_T#FO\<90
M++IA2@9N@)5,;@L`AVPYU3:ST&(E(1YNJN/$:O+DDC6$6*PE%+A`+U;FX7<O
M5L?M#CLW?RXC)':'LJ.BV5#,2(VO,B%TC0^&Q;)3D@'[9!KEA$#F4,S(C,5*
MC2I$\;77=^0#3[7V;#1J"04NT(_9S^5AQIA7</H9(3]FL=S1H]E@S%3B(B'/
MP_634CFXLC.-<D)8/Y$<W`HR8)E2HPK18,S4U31:K"44*),?,Y-L<,?$(_L9
MYBC<F"$2,1.=80'[Z/ZV!?SEH4D]ZHEFSHV$A#R'8H;EX,K.M%A.B-IT)'MM
M01:L4VI4(1H,FBI4H\5:0J%"^5'S\C"PQ.@V`6]]6'>L\S"$!O(P:#;8\70>
MACQA_'?"+P>FE,K!E9\A@CJB%6-^G%BAQ4HM5I'5M7G.]<\/8L5:TV$N4:-%
M6K)2(G[X3';`=CH,WYOW%&/,,;A]L$=R3R$66POT'`P?GH#S)PEYXOV_,YGX
M2*E07$T9(9;)A4PD%E`%N;!*28A5*J&B(H;%9Y%&B[1"Y,Q)+/DQ\U(P/]WE
M=`IF'$S!Q"IFO=E0"L:J>7E.F2A)T`R^FM`U=OV0/!JX.9CCI'-KUM]A.XM&
M3E:KV_T56KRT7@?+7:$9E?ML$O-:O].NM79SG'9KS:C@XS%OQOVVX.5@J"W\
MDZ=?QGW"!1Z?H\'M!I&;;UD$V#+`$LNX[:>6\3FR`,LM8]_",O8M`ZRRC'UK
MR]BW";#6LL[7KV\O!_/3XZ7.P8Q[),9+N>E:H!G<Z:?H+*VGN\/2.1C'C%Q3
MK98Y9CPKSN2;*[EC1FJ%5BL=,U=-C(^58T9JM59K'#-7320'6L<,U/SP0<34
M=/?F[/78J(BM78]D#D9<Z`(]!Z<[5#N<RTA(#:?`L4R6IU10[@.9]?&V8W)4
MSJT9IDDNIV(6*+1V:9T.:E?6C%(P5VKDQ`KF<C?6Z:!V:\U0^]I)'?DMP:0J
MW(7/X0S,&#,;/'+<$/+>Y-$9&#0;##F>@#MV0B>@!$4T$8N3E"RXGC)"K)/;
M$K@#A$[!D">+E818K#I.K"9/%FL(L5A+*'2%7K0F$'4O6L?M#3LWOZ,2\O>&
MZMTC-!N*&JGQ92:$:.<TXYF[?P:&#-@GTR@G!#(\UNF@D1F+E1I5B(:VAMJS
MT:@E%+A`/V8F.^#VL"-CADD%IZ?!TJ\;;T7,1&]8H-E@S%"-JRPASX']/)6#
M/3.-<D)4/Q.9+"K(@G5*C2I$@T%3E]-HL990J%!^U$QZX">BAED%-VJ(_*C)
MY,9BTIL-1@W5N,X2\AR*FO+,T--)Z>2$L(*BF<C*%F3`!2@UJA`-!DV5J=%B
M+:%`F?R8_9(<S$3G8`@-Y&#0;#"$.@=#G@,Y&"H'UWV&R,W!'"=6:+%2BU5D
M1>D3T1QJ.LY%:K1*2U9:Q0^@R0_H3O?&9V',%UG$LA21V%6HMY#(;.!U:#H!
M)SX2\J0L3"QGTI2<N*(R0JR3*YV9R+`7Y,0Z)2'6J82.[,4UN;!*0XA56J%R
M-HFX-'[@?DDJ9J)3,82\YU=F*A6#9D.I&*MV,*61D-JKJ1@T@,F$MFG9<=*Y
M-:.,AD[%:/'2>ATL=X5F!U(Q6KLY3KNU9E3P5U,QYN,ZJA.[>TMZ$^GP3J.3
MZ=:LO.Z[E#ND&[(R+=7>NQ!W:!>.$<5K&6!)@*4!E@58'F!%@)4!5@58'6!-
M@+4!M@JP=8!M`FSK,[^3AW(^Y@6UMWY=2V=])HC,V6T89\Z>M=LR+!PS#B2[
M$DL"=FF`90&6!U@18&6`50%6!U@38&V`K0)L'6";`-OZS`^D22O(:=;MH4>]
M'CC!Y(2[U$4T8[8@,X<M`RP)L#3`L@#+`ZP(L#+`J@"K`ZP)L#;`5@&V#K!-
M@&U]YL=,YFE^ZO[B1*=O"'$Z8J'14J-$HU2C#-%XY.[?9_(>0>Z842\N`JP,
ML"K`Z@!K`JP-L%6`K0-L$V!;GWD1-$E,K]<=GO\Z<S]G0X@7;0N-EAHE&J4:
M982X)>2(QB-O>HU%*J=PS"AZ98!5`58'6(-LYBQ%$3D)_Y7CR9/&="QV*&O'
MC`JW";"MS_S0F=S"/QXPX3EYN2\AY$94Y3&6VBK1*-4HTRA'-![!O&UGVJES
MB[6_'^B84:65`58%6!U@#;)9_^5Q\^I^B\A)/JP<SP.%6SMF5+A-@&U]YD?4
M)![^>40Q?<'3W0UL`+L@NQ%5:*FM$HU21#&\`\35,9.]+].>.2'N0`4B?R">
M.ANZ+O"E8T9U6P58'6`-,B>B+9GQ(R(K0MZ,H`JR=LRH()L`V_K,#_(OR0=-
M=3X(T7CD+5?ER+-PS.@2E@&6T!FXS:2((-'MAEYVTTQ[YO8$E]US!/!@L[QC
MY5A0L4H2XK&_LF;]RQ4@)!X<JQT+$FJ0P8NBA%IK]EJ)5HX%>:V1.8UI8\U>
M*]'6L0`AOS'(W-+`]*N32-,>C4?N_:/9F%,B_2;%,:.+6098@LRYP)001R$C
MQ&TC1P2C&^D7&I7:L=)6M48-(B^"_94[9UQIQS4BYX(VVFKK(3]",HDT$"&=
M+9HBXLI:(!J;+\;9^6XV%DUYZ9A1I29:+=4HTRC7J-"HU*C2J-:HT:C5:*71
M6J.-1EL/^0&2F9V!`!ESL8)%Y`9(H>6T1V+>D\_P)FCFM+<TZ#F5KX!DVC.W
MGG!NVT[4BW*%->L_R74F7S0HM71E?=QI7$G7UJQ_VO%L+!Z::,C`'5JII@Z6
M>D6>^"JJ^5"J__6C-5HX=;FQ3@>+O;5F6&SXM1>K[;<>F3X::#TZ2S2E5(\=
M^!:(9/<6&<"E8\;=6ZFE:"8:GAC@,UV,7*/":O4M13S:46J/2J/:BO25*V?@
MAHZ[34)=UHJLZ$UDM4-2+AM=EJU5Z<LR814_S#*Y-!!FG46:(G('B1[),(L>
MLD1/8\9A5FJI/D&F4:Y1H5&I4:51K5&C4:O12J.U1AN-MA[R`_1+,DGF0U-R
M<.^1<RMR@58.6B*2*UOQ\%I"^MP(4BV6::M<6Q6(8KB)U'\G6LS^I9:IM$QM
M9?!M8WD+OR$#;GVMEEF1%95&?AQFC0;>6(RUS;6QM3)8&N?Y&B_<L[>EG3IS
M?])&)->]8D1;.&;4^98!EM`9^%I20LZZEQ!;Y838JD#D+$Q+LF+'BA`[UMJQ
M0>2N>[7C2CNNR8K/N-%HZSGZ$9+9I<,CYDRGD0AQ"1:(Y(C)<W.W65DZ9A2T
M1*NE&F4:Y1H5&I4:51K5&C4:M1JM-%IKM-%HZR$_0":!XR:+!@)DS$470N0&
M2*'EK$=B^>%,M%W,$C1SQH?T%4^QRLNT9ZY18<7<%*%ZY*[4GI5&]7%B#9DY
M0Z<66Y$5+F3$"+36'AN-ME;DM<OS8_]+<DAP\TLUB1XY4^,"K61:22YF'3/N
MLW@";F`IFHF)5BYFJ63LF),^Y^P*J]7/H*)=E5JDTB*U%8$5&6^QY(MF#9FY
M34'5U8JL:!854_H:CSN=9*/1UJJ\5B2_+;PMA333*21"/!,M$(G9U?G**P[4
MG'SBH.,).':I/D%&B*UR0ER,0J.2$#M6A-BQUJ@AQ(XM(79<:;0FQ(X;C;:$
M.BT_0";_XP[4/W63%&Y2J,[:(Z^S*K1$1]'C)J)I)J3/5YEJE&F4:U0@HJ6M
MZIAX*7RJ2HO45N2U7M`UP8;,W(ZI]%=DA1U3#%YK??J-1ELK\EJ)_+";+,@_
M#WN?2W%?^((;D*8EC,TO%_"(I3*^CAGUS66`)<B<Q\92C3*-<D3Q-6P#N!SR
M994"S<;XW!I\Y=IF8KH(EEJZLC[>)4KIVIKA^R1J[X,&L(BB*F@1#91Z9:7[
M%Q_/G&]*=J5>HX%3;1OK<[#46VN&I7YUCV02((<:T.%'UN"*^Y]E[G]U]6'W
M]&6WV'W[]GQRM__#_.0R/!7PX9W%^'O0D]G\(Q00G,41>*AM;I[#"AVYA"/=
MKWLJGRLXTHV(X@A,,/,E#)D!M=D,CH3.`[]5_;&;_876#?R&=1=@R>/Y-F@_
MGF^[>Z/"_N-D_A$>*`P4:0)7$>+3^39H#S45N@!(^\]-3E^?`3*&<"14A8OI
M%1P)5>'-;`05U0U[XD)@FP5'0E4"BSDX$KKXFRD<@1M5NFQP[VY>!(_`S;BY
MN=VF?>#NVMS</]-'X'895%KHR,T4F@3<A]$^\+@.!.`Z<`0>!8$2A.H`GL.`
M\X2.P,,&X!.J';C3#SZA(W"?&GQ"C0EN'(-/Z`A\?FN>P!>G`M<#1\QWLO01
M^"S6W'SS2A^!3US-S?>K]!%XQ72>P%N5^@B\+CHW[X+J(_#JY]R\UZF/P&N<
M<_..ICZRA-.$>`8G"?$23A'B#9P@Q)<1G``^D*[/#%]^GYO/NNLC\!7WN?E$
MNSX"7V2?F\^MPY$+VSW@E^6_WW[9-;=/7^X?GT^^[3[#,#CJ'N1_ZG^;OO^?
M%_Q5@M_V+_";\K!IA@]G[&X_[>`!D9'YZ8+/^_T+_8\YP8_]T^_=#UQ_^'\!
M````__\#`%!+`P04``8`"````"$`T0H$.>`C``#UP```&0```'AL+W=O<FMS
M:&5E=',O<VAE970R.2YX;6RLG=ERVTBRAN]/Q'D'A>YMBZLHANT)B<3&%00)
M;G=J6VXKVK8<DGIZYNTG"\BL)3,%2>Z>BY'[J\P?M60MJ`+`]__ZS_=O)_^^
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M<N_JC,HR7[R[>`=*']]_OH42F&H_N;_Y\N'TLC6\O.Q?G+[[^+ZJH>WMS5\/
MWK]/'K[>_97<WWZ>W?ZX@>J&AC)-\-O=W1_&-/ML$#B_$]YQU03Y_<GGFR_7
M?WY[+.[^2F]N?__Z".W=@R*9D@T__W=\\_`)JA1DWK9[1NG3W3?(`/S_R?=;
M$QM0)=?_J?[^=?OY\>N'TT[_;>_\K-,"\Y/?;AX>XULC>7KRZ<^'Q[OON]JH
MA5*U2!M%X"^*F"PT.'30`?Z20[?1`5*K;,)?=&B_'?1ZW?[@O/E*D%HYPE^Z
M4NMMJWO6-\5KR&$?_>`O^9V]/6^=772>N>`Y.L)?=.R\[;9[YX.J0ANN"%VR
MRBG\?=T5+]`1_I)CYR5%;$&PU6UOH@X;_V5Y;=FP\9K\9?73HK8W_Z#\OJA)
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M(P>7MGG-_`^!8Z,'>N<_$3U&QD0/M?L5`1=.;18J9$$N8PXB#F(.$@Y2#C(.
M)AQ,.9AQ,.=@P<&2@YR#%0<%!VL.-AR4'&PYV'&PY^#`P9&#RTN/!*$"H[$(
ME0Y,*?KRD,85XP4+P6!<&82A<%7;M+HPW-K1IQ?:C)R-#1B)(HEBB1*)4HDR
MB282326:2327:"'14J)<HI5$A41KB382E1)M)=I)M)?H(-%1HLO+@`4!!LTO
M`LPM_E\\DQD9F`SA.C:8SGL783A=H5%CR#D;&W(211+%$B42I1)E$DTDFDHT
MDV@NT4*BI42Y1"N)"HG6$FTD*B7:2K23:"_10:*C1)>7`0M"#M9Z_T3(&9DJ
MY"A0KI!T865HH[`SX'.@LR+'L4211+%$B42I1)E$$XFF$LTDFDNTD&@I42[1
M2J)"HK5$&XE*B;82[23:2W20Z"C1Y67`@@B#`%`B[*VY\W_\>OOICZL[B`]8
MKRFS:`>6X?7BW(B$\86DW[%+KI%$8XDBB6*)$HE2B3*))A)-)9I)-)=H(=%2
MHERBE42%1&N)-A*5$FTEVDFTE^@@T5$BV..K6[MNVR"8X/;L[P>3$0F#"<G`
MQ1*2?KW-5]W)":,(R7F_NEULG[6ZX20;.P,:WA*)4HDRB282326:2327:"'1
M4J(<$=2!&\*AD&$95^1X3I70"0T*9T"5L)9H(U$IT5:BG41[B0X2'26ZO`Q8
M$'EFD]_?95"&*]@XH?'*6(<A5A,OGD9HT^_;J!L+HPB)LXEKTJLWC4U@)BAT
M#G_M5"O:*15^&?J=07>S?IT!:[[)B]2G0GWV(O6Y\%L(LM256%_+T<KLN]G2
MB%I8"?5"D#4J-=?G1OB5Z-=<G]L7J>^$^OY%Z@?A=Q3D\E*7<A4:!#YLM[XB
M\(UU&/@U\0,?;?S`%T:1('%-8`^7AI$$A<ZK(Z%JH9`*HPR-SJ!KV[CH#-C=
M]41*3874[$52<^&W$&2I*_7#D3-'*PAI*O)*2!6"K-'-JY:-,"K1J+E:ME)J
M)Z3V+Y(Z"+^C()>7NI2KER`RS9E+$)KUSN\KEY:52ABRA`9P`2]FV&[PR#.C
M]ADC\\(](K,S-V3'ED%7]*[`]H42,O.:,D76<0O?C,S.0C5VRS\A,T]M*M5F
M9!:J79R%P3E',Z\_+J38\@DQMHC(R<P/=:E6D%F8M0&KMC69>07=2+62S)@:
MJ[8MF7EJ.ZFV)[-0C5?;`<V\:CM*,=BN-K$-4<G47+V%/<'L=[]\=6).'-DH
M36@`22X@+_C]NF?F0A[5NG:4BLBL[P^Z[3.VM(BMV:!:.W;Z;=:2"5FT86"P
MV1*S>DIFS=?+K-E%=;U6A\7TA`R:+S<E,W@6P<\5*][,,S/'26]8^AS3O5!8
M6)?&BEM:,ZRX\QZ;SW*R:"[)RIK!#I%7ORRG!9F=GU45!R?^K.;69-%\O8TU
M:[Q>26;GK>IZ/;<TJ6;Y+:4W7VU'9B#34+J]9U:UTSD;`0YHX#74T?-ID(9^
MC)W#UES'M538A<VIPRNZ<'U(`9N\U`^O6H@&_@JX<\':<N29D>N8F-^%:S5O
M(HO1RJN&1#JFB#S'3#I.I.-46LTDFDNT0.1=<2FM<D3PO`,5>R4="^FXEHX;
MZ5A*QZUTW$FKO40'B8X206S5352W1QA,YHSA%<&$1Q)^,-$IA:VMD3E0,+-&
MT.DZ%ZQOCLG,U7.$R&N@F*S@_,ST.1:D"24'UU+&_3I+GG!&GN9@SHUHO!=,
MR*SY`E,R<X69$6J^P!S-O,ZR($\GMB2D5T-.R<VY7*&95PV%]31[$J)^US8Y
MG,'<\J(:9S=2N+2>P:X0K]\MF;FR[B3:$S*/G#S=6`<T\^KR2)Y.'_H#!2@O
M<]@WS&'(*_H&GIWX?0,1&VC=P%Y5WL@\667Z"YC1B#,FYK(=(?(:+T;DE3>1
MCJETS*3C1#I.)9I)Q[E$"^FXE%:YM%HA\LI82,>U=-Q(QU(Z;J7C3J*]=#Q(
M=)2.$%AU2VH#+03N:X+)F+-[340N(D;FR/<E`ZWPC-#3J^>8Q&B$Z;J;Z2I,
M$S)H'F-2*9V1)TJSB6!"R<W"4S)S%3`CA,)OV+`TQW2O?RS(Q:DL"=F2LV5=
M3@;-&5RAF5>IA?7$D:;%[EO6UN"9\;5N0D^ZM)Y\$,.5KQ8;8F+<D8JKCCVA
M:I<:[D98I1XPW:O4([DX%>@+E`',7]O="83#K#G$><4PBV<^_C"+B`VS+'Y'
MYBE4,<PB<QF/T,RKZI@\*4!8?"24WAP?J53.R).4PZV3"24W"T_)S)5B1@B$
M&R;,.9IY;;D@3R>V)(2Y[+*;_9S2F[.Y0C.O9@OK60=)ERWOUC;]F>Y1-Z.G
M7%K/)[H'-GQSEG>DXBIC3^BYI4A]`:]FC^3IQ*"74#ZP`ES0AIW$G#>]HI,8
M<S9](&*=1&Q5.C.W%D'F\AV9Q[+A`EZ%QXA@KZ1:2+8Z3#HA@^8J3Z5T1IXH
MS80GE-PL/"4S5XP9H>=Z25U:KRT7Y.G$EH2H`KILGLO)H#F?*S3SZK:PGG64
MM.2N"C91L_1&2I=,FJU-MS:YL0/NR,Q5QY[0D].(J-0CN3@5Z"!4,BJZJ]6P
MAYBSJE?T$#S:\J<11*R'L!E[9-XO$-,(,I?Q",V\5HS)LSG:$C)K;LM47B`C
M3XI`/IM@+IN%IZ3B"C,CU)SS.9H%_434S-(3,W><;'F14W)S+E=HYM5O83WK
M4&FS:7IMTQMC>2.52^M9*U^(7O*BFMV1C*O9/:'G9I/Z`E[-'LG3B4%GH7Q@
M9VD_U5F@!E[368PYFTX0L<["JGQDWL$1G069RWB$9EYCQHB\$B<DYAQ3Z9A)
MQXETG$HTDXYSB1;2<2FM<FFU0N25L9".:^FXD8ZE=-Q*QYU$>^EXD.@H'2&T
MZE:KVR,8>0&])I@J\S"8"+F&'1$*1@&YATAFSC-"Y-5S3%8X+G8N6)@F9!!<
M3=PLI5(Z(T^49I/%A))=_J82S0@],[RB&?RAI=F"/)W^DA#FJ'O&EDLY&307
M=H5F7CT6UA,'V'-V(["V!A`L;IN./PFVD=*E]:RE^0!+R:Z<.XGVA)Y:<F`Z
M_*$*/)*+$X;7.O!(%67:YT\LRMOFR,9?<OS28P65"NL/>!84/%;0/7,WT/6^
M(7F"&95G3,R5)R+D/U9`#!X.,'-PCTDGE-X<(RF9>=(9,9#V8H#O^T[(K/D*
M4S3KN*W1&7EBWOG^Q!S3O59>2)4E4^FR(2&G].;\K<C,JX&"&+QCJ%7NVJ8_
MTTLP"CSITKK"JMAU,%ZY6VO6>(4=FGF5N[>>==[?L!Y^P'2O<H]2!;H0YAVK
MH.O&Q7#J,`=3?[\'U<=;L*M/W>#*/-Q7K3O"(&3#RL@S(]<QLJY[""<BLW-0
M=;4NGE*P9G6GZO;/6.TEU@+VB3TAM@1.R:P#6VB>&=L<R3RS:B'=8P83,CAO
MO-R4S)HO-_/,S.7>L,J<8WK?5=S"<VDHR)+,SK'BSOEXE%N+QI*LR*P3QCVK
MEX+,X-4"4Y+NA7?67@VM:VO1>+T-F35?K_3,JH;JLZK;DD%S0^W(K/ER>\^L
M:JB!NPNH2G=``Z^ECIY/0TM!Q\:.A577.VL]-3F:,[:FKKVY^PFSGOHZ1S7Q
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M6*FPK<)V"MLK[*"PH\(@R(+&#(/,'`:](LCP[,@/,D0LR-@":&0^PR*"3+)(
ML8L5EB@L55BFL(G"I@J;*6RNL(7"E@K+%;926*&PM<(V"BL5ME783F%[A1T4
M=E08!%G0F&&0F0.55P09GK_X088(/@E`<]X(;O3JB')LK+!(8;'"$H6E"LL4
M-E'85&$SA<T5ME#84F&YPE8**Q2V5MA&8:7"M@K;*6ROL(/"C@J#B`H:.(PH
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M;*.P4F%;A>T4ME?806%'A<$GH/`H2OG"1<=LL<M9][6!AAOUWO*N$H;8<[L<
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M[8X(P7O8E-DQ,N_1B8C,W*`:2Y0@@A>@K5@JS3)"S1\0F5@UUV>FY.KR,9-H
M;CU=/A;2;$FH.1^Y5;.%6I&GRT8AT=HZNFQLI%E)J#D;6ZOFJF-'KBX?>XD.
MUM/EXRC-(/8P8I[,2#A\FMUF?_A\)AQQ<]KEX:I#^]6V8D>$@G`49A&9N4".
M";$/?;`9/$&S]IES3<G5H8P04V.#SL2JN3:9DJM3FQ%B:BQO<ZOF7!?DZM"2
M$%-C><NMFJW=%7DZL8(0$V-96ULQY[HA5X=*0DR-96UKU5RU[<C5J>T),366
MMX-5<ZY'<G4(PAOCB,FYS(7A;?:Y_?#^I:>CS#,)?!"N43OH9>(QMQ%Z&C,W
M,->NP<!<(Y@VR"JF:P:?U.B>N6=8JJD[L1=P=90B\]0R5:W#/_<QL6JN2:=2
M;::JB;S-K9K+VT*J+54UD;?<JMDZ6DFQ0A4365M;,9>UC50K5361M:U5<]6V
MDVI[54WD[6#57-Z.4@UZ`D9E$"%^YL*>8#;C_9[PS$"/>_?^0%^C=MCSQ$=7
M.LZ,@GF,S%L01H0&_G&W_.B*-8/-#GLJWN;/FB5DYJHL)=1\@<R:-5Y@0F;N
M`E-"S1>86;/Z,R[\<=4YI3OE!:%FY:4UJY7Y%UMR2G?**T(#&$5==?*'R`HR
MNZ#7J+SW)JMQ9TT63GM#J%F[)+.+^O[\39_=H6[)P$GO"#5+[\D,I5MG;%%_
M(`,G?234+`V]#3L$9?NI1XXZYHCB%?T,3S3\?E:C-NO7[-G0476A#Z?&S/4S
M.A^Q*$(SK^O%UM-:)=(JE2B3CA-I-95H)AWGTFHAT5(ZYM)J)5$A'=?2:B-1
M*1VWTFHGT5XZ'J3542((+6IPTQ[AH,T/M9X9M.W9%47$58>.*&Q;CP@-(*+M
M&"#?:B`SUU<BB6)"%_Y>AS(^BVRDY.GT,T+-8A,R<YY3B6:$FL7F9.;$%A(M
M"36+Y63FQ%82%80NZB=-H0>'[\BMR<#);"0J":$,?P1]2^E.92?1GA"HN&@0
M#7@@,R=VE`A"&=OY2;4PO,T)QBO&2CSP\,?*&H5C9?=,C)7.C'K&V#R_6IV/
MV9X1210C\AXU3Z15*E$F'2?2:BK13#K.I=5"HJ5TS*752J)".JZEU4:B4CIN
MI=5.HKUT/$BKHT008-228JSL\C.OYK&R,@\/MPBY&!\1"L;*;HN]J3(F,^<9
M2103@D&D>@*[S5Z*2LC`R:029810AO?[":4[E:E$,T+-(]J<S)S80J(EH6:Q
MG,R<V$JB@A".:ZT^6\6MR<#);"0J"3TU/%*Z4]E)M"?TY(!6+8</9.;$CA+!
M+UO@2=J3:L'P"&]_O&9XK,Q91-.Y"0S+=JKOMMBK'B/T#):2I.9*%$D4$VIN
M^(3,G%@J44:H66Q"9DYL*M&,4+/8G,R<V$*B):%FL9S,G-A*HH(0!J9X[8/2
MG<I&HI+0D^&-9ZI.94<N#NT)/1F0&-Y"[$B>3@S"&\V>5`O#VQR2^+/_+^W-
M=>NC%O^]*T1L;Z[%'W+VS.RB@-1<J2)$WFY:3%87P5VTV)0@,R>62K&,K)K%
M)F3FQ*92;$96(&:FF`XK\YS2G<I"JBS)"E7X#)-3NE-9296"K"[J%YSXYVO7
ME.Y4-E*E)"M4X7G94KI3V4F5/5FA2HO-O`=*=RI'J0(!CL$F,Q-&-C_C^[7(
MED=_W1JUSV`59,?S-O\2Q,@S<Y%=NT(7)12A6>L"[C^=&M\,BJU9_?G>EERV
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M8;G"5@HK%+96V`:9E^/2,W,Y;O.;S:UG1CG>*6ROL(/"C@J#\,10J7?HPW'0
M'$;XX^`S.\)X=N%/MC5JFR_)N&#B#Y2/S(NN$,'&C`HZ1N:=NT:(O!_#B\G3
M>]8R(4]WKIM*E"F>$VDV)10\IR1^-F]FU6P!YHB\W"ZLE:NB)5W`Y3:7:*5X
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M)]38P7^FJ$VDVE15\Y_\J_(VLVJVK>:JIRC5PGJZ"EDB\TJ5/Z'&2K52U`JI
MME;51*DV5LV6JE0]1:FVUM.5:H?,*]7^"356JH.B=I1J\%OC>.87!))?K+!W
MF".4ET\2,-_QM3.B-GRLR!P!##IO+^`(U?[OG&UFC3Q[UQ]0UE541%=R,V=,
MR%DEA)Q5*E%&R#E."#G'*2+X0_F:D95SG!-RC@M"SFI)R%GE$JT(.<>"D'-<
M2[0AY!Q+0LYQ2\A9[0@YJ[U$!T+.\4C(.4*D8:M5+(RJ?^2HK2>/VA"US4>+
MO#&7/W_CF5%;CDG-%2HB,_@9.A.Z;.2.I4?B>;CKBXWUU#-3G[S(I/3$^OC3
MB9">6C-\G)5UKQFENS>SYH2PF'Q.66"Z=^NPM"Z-F<FM69V9%C_U6$GIPOHT
M2J^M&9:3G7IL*-V5LR2$Y>3'`EM,]\JYLRZ-F=E;LSHS[0ZK]8.4/EJ?1FGH
M19!N;N8PU]X7)L,N90XF_('ZUY8Q]?&&?WK=PQ,/\XDFUZ7X`]@CS\QUJ=K5
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M2'24""()`T!9/O,#M6<B29Z<]6K4-A\P<Y-Z2ZR3G9D+)E3SU\EH!F.<B<LV
M_R'R&"_GK:P2RH'YJ7:;`[&<3:U9_0`9W#FR@,^D]L0Z-6I/K5F=[3?\4^$S
M,G##[9P0%I7=$BPPV2OHTGHT9B:W9EB';/)=2>7"NC0JKZT9%I,]@[>A=%?*
MDA`U:(?E9HL&7CEWUJ<Q-WMK1@TZ8$%WD-I'Z]2H#5TF#,0WW@^[AT.Q.:3Q
MA^)?6RS71SW!S$ZG/S`+V*CNMMF*<=1S9JY?H9K?K]`,?C6RNDUD#U7$*..U
M0H+(6^6F=#%4X3\YG4F5B529,I4W_-!I1@8NC.:$\,JLYRXPV<O^$I&7_9R)
M\)^I64F50JJLF<J;%LO,A@Q<]DM"5/ULQVV+Z5[^=XB\_.^Y"G\L]R!ECE(&
M8CL,AC?>+WF%L6T.@?Y^;.-1DK_ZH%-%^.O%-AM.1CUGYF*[9MYSDQ&9P4_9
M57-&E_61&`T\G\3Z0#>W.5#F#,P!',-7W48\MIA)[<G+M*?6#'\*A#^V.$,#
M[V<$YLR'O^ZPP'2OI$OKTEC2W)K5N1%/.JZD=&%]&J77U@P+RF]A-VC@%;1D
M/NT>BXTM&G@EW5F?QNSLK1FVZ6#`M`]2^VB=&K6A:U'`8%F]4\*P:YF#I::N
M];*'.GMX/@5WH3:*S_NL/%=HU?Q0IV?D.ELMC\\!5G<%D6(7*RQ16*JP3&$3
MA4T5-E/87&$+A2T5EBMLI;!"86N%;116*FRKL)W"]@H[*.RH,`C-H#&#:.S#
M8DB)QE<_U%GIA$>7A,Q)J@W1+M]2&WEF-OH4%BDL5EBBL%1AF<(F"ILJ;*:P
MN<(6"ELJ+%?82F&%PM8*VRBL5-A683N%[15V4-A189>7(0RCCQ\,_M(2&F8/
M?EY("!YGIJ`:*6RLL$AAL<(2A:4*RQ0V4=A483.%S16V4-A28;G"5@HK%+96
MV$9AI<*V"MLI;*^P@\*."H-`HP/>JM'#0(/-W&"8:][LZ!MS-IHA<MM?([)R
M:$S(;+O8,4_\W&5$9LXSEB@A!(]A-(BE9.;$,D1FB]KFHO/4@@2>@0WKYM<Z
M8;T=[M_'5L)PZ`0W,BX;\*Y.^&&(D6=&?75LF;N3BI!YMT4Q(;^VNWSC*+%B
M[M`])4_W<;*,4"#F?<8B#"BS0^NOXIX)J'I#-Z@=1$&H=+T;LGHK%GZ6J0I%
M,'.U4[/@,$T),K1J7+?&J`\'A.8VIW?.-E(23&^^5DI6C=?*V+4&+A+"NC5[
MEE2WL'AXIFJ-->NKB,Q.CHW_+G]7<P0?JZNKUAVAC)$U%S<B3S>[Q.18GS1U
M^0O0":7#-6V61)NE4C@C1Q3NNB5^6&E0UE=4FK%FE8:(51J[HQ[!(].RTFKV
M7*6AIU]IZ$C'<VP_)<&+-0NGE"4GG)$C"O=<*<)*,]LA7J3]VLB'>V[>+D<?
MD=ENL:W=Y<^2CSPSU[=KU^8B1^@9C(6U(QP=F8[<Z?!77A/T:59.I7*&B)3]
M)7Q8F^8.^&_79GT;'8R4B,P=MJU-\63^J._,7&W6S+SB[#SYS\]%Z&G>??.L
M^$8I6>%/6_;XQD1"!HT72\FJ\6(96>'%SKU9,ZQS<VO74.?-FPE03^\>OM[<
M/(ZO'Z\_OO]^<__[S>CFV[>'DT]W?_Z`NAB8EW8M/KF_^?+A%&XGAY>0/W!F
M*;#=,*SN-I6D_ADDP:V`EM0R2=7DS`3AQTB&YFU9Q<FDF-\JT9),+N"'))2D
MCLD%?/I?)L&;CT.SAR-3X,U8<*KO)%C^KKH]DU1-S2*I;Y*JJ84G]0=#$ZWR
M4I=0$]6*A'N8&M(JZ*H-":I'!Q*TBKN$PL"!G;SV555*+<&442VB*:%:P+:Y
M.CRK*:\"B]JA69#)E*M^!VI%3^E"2C6Z\WKI]R!%SUL?4M3,]<\A1:V!'N0`
MULQ*WGIPG7H%QG/0@^O`E*GYP'5@`M!2H/W54(/[AZ%9^TH?>/%C:)[UE2GP
M8L?0/+<K4^#5BJ%Y;T))Z9U!#E2?7@M2U%#KM2%%C;4NU)O>2[M0!_`RD\P!
MO-(V-.^2R11X=6QHWMF2*?"*%H25FG0%E6#>6)).\#;2,%:+"F\;#<W#Z=('
MW@D:FL?%90J\\S,TCW[+E*L.A`A\O59+@1"!+VUJ*5`]\*%$+06:#CX+IJ1T
MH8'JO6\>BEUH()CII`_\>,/0_+J"3($?4QB:7SN0*?#C!D/SZP,R!7YL`)I!
M38+/[`_-UYNE$WPR?VB^Q"Q3X)/X0_-599D"7ZD?FH\:RQ3XXOS0?*!8IL`7
MY8?F8\,RY:H%(5*_5,DKK@657;^!R5/:4-GU"W`B!2H;7LJ0UX'?:H$JU7H0
M_)")J3@MZ:IM1E]XX%CJ7;7-^`NK-BW)C,#P((^69/J*/M"WH//77['GA6I!
M<>&A2D6N!<5M:<6]:L'@7)]>"C6(^Y::N1;$/9S9R>M$Y\.EQE>F-%I",A@F
M:EDF@^%$3<@'PUQ-6`^&:S5A"T-OG?#.%O'AX_N?U[_?S*_O?[_]\7#R[>8+
MK);.JK?1[V]_-_<1]7\\XF]Q_W;W^'CW'>ZX3D^^WEQ_OKDW!G`O^.7N[I'^
M`ZKCW5]W]W]4*[*/_Q,```#__P,`4$L#!!0`!@`(````(0"<//S_C0X``&-(
M```9````>&PO=V]R:W-H965T<R]S:&5E=#,Q+GAM;*Q<VVXB21)]7VG_`?$^
MAKIP,;(],G4O=J75:G;WF<;81FV,!73W]-]O9&5$Y26"`J;],DR?C#R9>3(J
M,R)<</?[G]NWWO?U_K#9O=_W@YMAO[=^7^V>-N\O]_W__)'_-NWW#L?E^]/R
M;?>^ON__7!_ZOS_\_6]W/W;[KX?7]?K8`X;WPWW_]7C\F`T&A]7K>KL\W.P^
MUN_0\KS;;Y='^.?^97#XV*^73TVG[=L@'`['@^UR\][7#+/])1R[Y^?-:IWN
M5M^VZ_>C)MFOWY9'F/_A=?-Q(+;MZA*Z[7+_]=O';ZO=]@,HOFS>-L>?#6F_
MMUW-JI?WW7[YY0W6_6<0+U?$W?R#T6\WJ_WNL'L^W@#=0$^4K_EV<#L`IH>[
MIPVL0,G>VZ^?[_N/P6P13_N#A[M&H/]NUC\.UO_W#J^['\5^\_2/S?L:U(9]
M4COP9;?[JDRK)P5!YP'KG3<[\*]][VG]O/SV=OSW[D>YWKR\'F&[1[`BM;#9
MT\]T?5B!HD!S$XX4TVKW!A.`__:V&^4:H,CRS^;SQ^;I^'K?CT8WX704C,9@
MW_NR/ASSC>+L]U;?#L?=]G_:*D`NS1(B"WPB2QC>Q.%H,@T42T?/"'O")XU_
M,PF&M]&DNU^,_>"3^HUO1I-A=&Y`H&T6#)_8,0AN@GC8++=CHF/L!Y_8+[ZD
MVP2[P2<-%UGZ=@P(3V@S4?C$GI/+.MYB1_C$CM%%D@;@?-H7E!?B-@>7=6W=
M"/['=#TMZT"[8>/5Z?*X?+C;[W[TX*B`_H>/I3IX@ED`_R!_UD*U'G[*P<&S
M%<NCHKGO@^C@N@=X*K\_3,;CN\%W>))6:#/G-H%KD9"%>FP4;>H#F0_D/E#X
M0.D#E0_4/K"P@`'HU(H%C]MGB*5HE%BTS#D!1KW04X8LJ$OJ`YD/Y#Y0^$#I
M`Y4/U#ZPL`!'&3A./D,910,GHN-&$U>*N;8)8CB)6F<;N3:)L6D%XU#&H9Q#
M!8=*#E4<JCFT<"!'0%C-9PBH:.!1AG%:;2;CJ:O.'(TZ%30VK8(<RCB4<ZC@
M4,FABD,UAQ8.Y"@(%\QG**AH&@5IW7-$8KB)6E'CV'/+Q%A1QY1#&8=R#A4<
M*CE4<:CFT,*!',%@/8)@-RH0.+YN5E_G.U@N'(5":!/!$:\/?D7BRH4(>!<)
MD7`HY5#&H9Q#!8=*#E4<JCFT<"!'&[C)?ET;1>)J@\@(O+AU)0C@W><S,5:D
M8,JA#"&(.BPJ[T;-M5$\::[D<!C$[E!%VTXCE9?05MAM2K212UNW[4#KZ*K2
M(#O<$'P+`EAR+F7M"HC(2/DH11IQ[!UPB;&B9:4<RC2DXN66"A1R5Y)COR:C
M:#R^8$AY"5'%NM4VXH@$6WJ%2,K:%0D1ZP%$9`0.WZXUCF_=M:;&BF3+-'1&
M(VTTABBV)0^'GDL4R'3;N$P<3*>>07G)4)5HY#'5VB@:ZJ&&T\ALJJ.S"L`=
MH57P&XYNP".N#7\5D[L)#3E`UBX0Y&[#R'O\4\NLW0?$SFP$]31C%APJ.51Q
MJ'8@5S85'E_^$*NLPM<&(3//A*P,E"+DK#D>F;UL'L>,=\PY5!!7T/A$%'FY
M24GMG8=!Q8EKZJANQ.\/T=ALIJN9"IROT$S'V1#'D0?,`X0\Y_$3!<N,NJ8"
MEB'FB,M//^II=J7@4'D15\4[U@[DZJ4BY2OTPL#:UHMB[5;"1(7%RA-="=DQ
M:)F1A!EBY^1B8Q;443M>,/2NJI+:SS@>(ZZIHW:\(#3/A2ND"IAM(?_Z&8>A
MMZTQ1>.6Q@BY&O,SSI@9C35V3F,V9@%G;+.OQDM+#E4<JAW(E0WV@\D6C*X,
MCE5AT#_Z-!2%EF0,2K%C!.=D>Z7&(^^>RXC>K#NGCH:^("C6)]2$'7UZ^&[9
M*V(QQ#5!*E[[_F"?S*Z4*LKV/?!Z*3%6M[T/H1$$4I9*7HB;!,:,7"T5L`RQ
M&,[9EDTX$36;DSOS8(>X4)H0ZJ1NK%621>=H%5EUAE8U68WU1@23L1G-W0H5
MEW=MQ1^[#S@?Q90/_(/"\@!S!#B46J4F8R^:G).5(Y5?J+&,S.8@O95!9H)=
M+F"%@)4"5@E8+6`+%W/%5/$[%_/ZV!'S`-NS$7)+#B,FGC$SXG$L"SB6"U@A
M8*6`50)6"]C"Q5SQ5(S.Q;OV?-61/ER%M/YY@)#E/(F`I0*6"5@N8(6`E0)6
M"5@M8`L7<W0*I13EZL.S87'3$X+.E"(L,Y(X%;",,%"_/1+XX8E6I\L1QH!&
M*R]BKJCCR8J$,0!F5V*5C-BNV%V3"#%WL7R.(+<J,?(NVL0RH]6E`I8AUGTA
MY]33JDQPJ+R(J^(=:P=R]5*)R!5Z8=YBZX60B5N2$"$O;/2*K*EE1A)FB)V3
M2P]PIDA!7+I*$8Y#O[14D@4$3:<=O9*MS*W<I*XU6F&A(HQ'5ICL2J["_RLD
MQVS!EIPE$$F(D">YEZ"DEIF1G+'E9&;VM$`(GCSJ6'*KBD.UT]$50D7Z5PB!
MB8$M!,L5DI!!*4*.3\4C+\+))"OAT&/T!77$:H1_L9?4?L;)&'%-'752&$_-
MC%T95<A_A8PZ0["O6:6,RFS,=B<<2A%R9;1*)+J"PSOF'"J(2S^:XVAB$MZ&
MIN1]*@[5".$S-[X-3TFDXOPK),(DP_8TA&R)$'(?N;&WDC0T9O3D9(09MIQ#
M!4*A%FEZ.S2K0Y'8I"I.4R.$(DVGI_*)T,\GSER=;=Y`RYHW#*PD,_:K6I89
M=4T%+$-,;?+ITSFGGD;+@CK:9Y6>;3=7Q;EJA\M][E0@;CO57R[&A!C2V_Y&
M47Y[W"9DY?F;=P^EEAFIFQ%F-,HY5"`$P8(J`03\(&-SJCA+32Q8RK)87/4^
M)6>`9\.OR1`T@AUOW28>^X4$RXQD2@4L(\R63@]J57T*M(IT668\]I*[DK-4
MU,6JP1"D"PV3B0F8'.G@2>:.=W4:T;"X:01!9VHPEEDKG8!EB)VIP9`5W'_M
M=O$:#%F=KL&0!82&%H]W&E=DU5V#(:NS-1A5TV-G@+T5E]5@&IIF+\S<)Q/S
MUX?FN)^356<-QC(RFX-9CI5&9X)=+F"%@)4"5@E8+6`+%W/]6D7U_H&JZI)7
M_OT.'DS_4"#(K<'XCVEBF1GQD`VZ$I8)=KF`%0)6"E@E8+6`+5S,%4]%\5R\
M*VLP$>8"UDU$T-A@B8"E`I8)6"Y@A8"5`E8)6"U@"Q=S=5)Q]J_KA-&ZT60.
M9W_C=?:UP]\&(:O.TDJ*5O#JLSD/8O\5S,Q8D6/F%]$7IJ--;VX;'5T:*Z*O
M+J*O34=#'T9>%+@P5D#O;I%*1^PMZ@Y$(\Q>[+U`"#-_]J9,@GVZP\&4K"#,
MMJX4+^#*R$J_EA,,)YY!C@9>M<*[F0JBZ1RL1*M1V,1HWDC512/5%XVT(*MV
M6:8"YNZ62D*NV"W,6>S=TA!LAHH[(>?VHJ<D:@WL??`$3-'*RF(SZJC]`%YN
M]S*H'`W.;0W.V<2`)3'K6-D++JN+:&NTLB:\(%J:\*E<+5+IS!6BZ^S'SOD;
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M%8FW8OJQEV5$:4`J8)F`Y0)6"%@I8)6`U0*V<#%73#DEOKJ>$/.DF""OGN"%
MEXEE9L1#-KN>(-CE`E8(6"E@E8#5`K9P,5<\<(I/.%44BW>J(&05HQ)5T6K^
M`&6NTU3`,@'+!:P0L%+`*@&K!6SA8JY.?K+ZUTY?GL/&"$%0VCZ<O)Y`5IWG
M88I6)U_5R(P!^6E^$7-!'4^]JE$:`S_-5\^.XV'=L5QC[KD2YF7VXEF9),&.
MY^(&S#'APY+;'---")<A%Z;?@9^IYA>-5=!2['FSDG=)8^$?4JR7%UP'5%G+
MKU__.O>Q,T3P%O50>E&9=TTF:'5.7>0RT4U&]#JZ\:I#^46T!7$8VI(@.%':
M?8RM4KJKG4I7?ET[G?0XVFGH7.B$5G!;MW,5(EJTLE?$O"53M4+8+0QF@L#;
MIQS;U75Y>JR"K)R0SP_32AH+2T/,,_7O+>AOIF_7^Y=ULGY[._16NV_JMQ3`
MKQ_N6AA_Z"$.9X]`"V>$UP)1"OP&1+/!K"6"EB:K9BTQM#1WB=?R&$QFC_#7
M'6$<:%$OB$HM4V@1YQ;<0LNMT.<Q"F`]S<\\>#.`O^+,U!]!A'$B6"E4^*46
M6"G4M'D+G.PS=7CS%CB99^KPY2WPHQJ/XB@P,7%>,"W17DU*XH]GC_`2,Q]X
MKG9%PD<S^&*K8#^>P9<Z.0Y_"9^I/W/SEGEX"RW2ALRCX2P5-QZ*[3-52N=L
M4">?E6(+E+AA[5(?>'=Q5NN7I/R-#P.8FR0PO"\'+9+$\%H7M$@B)^$86B1U
MX"T,:)$=&<:!;^GPE<*7::!%'">(H45:Z3R`&<C[#!JH]TKY.#FT%&++'"8M
MS3F?S.!KK9RIFLS@>ZD<GX-K2)Z1@&-(?I$$,%?X=APP#=H-@Y]X^5B^K/^Y
MW+]LW@^]M_4S'%O#)@G;ZQ^)T?\XX@OV7W9'^&T7B$W@%S?@QWS6\&,70_6]
MP^?=[DC_4`.T/P_T\'\```#__P,`4$L#!!0`!@`(````(0#CB3<OUQP``*2H
M```9````>&PO=V]R:W-H965T<R]S:&5E=#,S+GAM;*R=VW+;N+*&[W?5?@>7
M[W<<T9)ENY*LDL6#2)$43Y(EWWD<)W%-$J=LS\Q:;[\;(D`<_C9%SYJ;2>9#
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M%HB<3\`[W`]!\73T^?[+[1_?7ZK'OQ;W#U^_O=!X3^B2Q)5=?OZ/?_]\1UU*
M,N^\B5"Z>_Q.#:#_'OUX$+%!77+[[_V??SU\?OGV\?CT[-UD^OYT1.9'O]T_
MOX0/0O+XZ.Z/YY?'']>MT4A*M2*>%"$/1J3'\4PZTI_2<?IN-'Y_)NKN<9M*
M-_I3NHTNWGGGD]'DD"?%_?YRZ4_5TM$PSPOI27^^I:DC&M&V@\70RLX;]U[=
MJ!L3^HMR.7]W/IF,S\ZG_3TS4D,A_B)]SX==X.A4M93^HJH=V*TCNJ+V*NDO
MTM<[?3<=O;\X/=1BNJ#654?/H"`8J>`1?U'M]=Z-O<GT?!^\/0$T4A$D_O+&
M]JH0&ND8&MK#*H9&.HB&!JZGXDC\Y6TM]E0\B;](UT$][*E@$G]1/=P?NYX*
M(D\'PK"Z5!B(J:_J&AA]GHH$3X_FL$K56'IZ+$?](732KI_[Y=B_?;G]].'I
M\:\CVN2H;Y]_W8HM<W0IY-1"W$9AMS2_MC+3DBQ49D+FXS%=!RVZS[2?_/EI
M.IU^./F3MH`[:7.%-B/;8JXLQ'HO9'T7!"X(71"Y8.&"V`6)"Y8N2%V0N2!W
MP<H%A0M*%U0NJ%W0N&#M@HT+KEVP=<'.!3<NF'7#JP9FU@VFV.0IE+IXHBGW
M3\23D!'QI"J\4D`'F.<$C[)0+KX+`A>$+HA<L'!![(+$!4L7I"[(7)"[8.6"
MP@6E"RH7U"YH7+!VP<8%UR[8NF#G@AL7S&9`NL%T@X=6X7\B>(0,'0BMQ>C<
MCI:KUF8TIO6^6[(FMLU<VW0QA2A`%"**$"T0Q8@21$M$*:(,48YHA:A`5"*J
M$-6(&D1K1!M$UXBVB':(;A#-9@PS`L"-0@J)?R(*A0SMJE1W%V#3Z84=8E?2
MJ#<,M4T7AH@"1"&B"-$"48PH0;1$E"+*$.6(5H@*1"6B"E&-J$&T1K1!=(UH
MBVB'Z`;1;,8P(P#<,*0#Y3\1AD)F'X8J>*XD&=-IOHO,R=C=3K65<O01!8A"
M1!&B!:(848)HB2A%E"'*$:T0%8A*1!6B&E&#:(UH@^@:T1;1#M$-HMF,848(
MN%%']R1,U+T3=\,OWQ[N?K]ZI)BA`R*3J#FE<W][-R!$[)B3Y.RT.]'-$?F(
M`D0AH@C1`E&,*$&T1)0BRA#EB%:("D0EH@I1C:A!M$:T072-:(MHA^@&T6S&
ML"N+63<(=(_XWP>8$+$#3))S'5]`?"`!D+`EY][^'M9[/QK;&W;4E:M5<0$D
M!I(`60))@61`<B`K(`604A+ZHUOOZ<KL"ZNDD9C$?WZBXE.[O.[*U84W0-9`
M-D"N@6R![(#<`)G-$%V9R`HZ2FS\]T$G1.R@:XEGG=[H28+=<W-MI;K.1Q1(
M]7W.?;^*ALJ(YI(>MU-GGXZTE5)?M&A*O:']W/&.M9^VFHR=44^TE5)?#E%/
MM9^I[DRF3%LI]7R(^DK[F>K.[5NAK91ZV:*SWIZIM)]6]]Q^K[654F]:U-_O
M:^VGU:'?-]I*J5\/4=]J/U/=Z?>=ME+J-T/49S/M:,H['3^[TF:D;TU$.G-:
M$Y$Y1E`F59TCA+4]XUIR3B?I+K3I\8(SX3HC=74^D$!*&].M)9/V$9'(/D9`
M%BWICY\8W!(@RR%"*;AE0/(A0BMP*X"40X0J<*N!-$.$UN"V`7(]1&@+;CL@
M-T.$9C/PFUV9R`IC\7CL#7&\-[<#6:)S<:Y6*?/)V$F9S[55%\J(`B5O!+-$
M]-1%.4:(%A(=B&=T3!`M!VFEZ)@AR@=IK="Q0%0.TJK0L4;4#-):H^,&T?4@
MK2TZ[A#=#-*B++Z(VH_'1E!0'M]D=HR+QP#FHZ'^M5H\_G46:X5T7,XE<L+>
M2<[ZVDI%;X!:H413,\/FO7=.,)&R:D_TSJEWH4OU-(2S<:RL>FM*E!5;TU*7
M]M24*JO>FC)E19GU;O'P+IPKSUDK]QRX4E:]-1;*JK?&4EKUKR>5TJ*`T:UW
MQZW66N*&9.0Y9YA&EYLJSOBN!]6UT5IL7=>ZO*>N[:"Z=JR6.W8WK)4[=C2C
MVTDW[>U*FN2MF3TN1IWVO!?/:]XP[]O'.Y3G5G/U2KS$(98"<]ZWR)GW3C;<
MEXYDI;0"U`H111)Y],J2&,'Q=.Q(+Y2%WA!CU$DDFK93^-156>KRGD!(43B3
MJ&O@V+U+S`=)KU"Z8!V-P=W?3);2R@X!-Z`JE*\E\L[$L9RZ]OS"N0-ME(7N
MVC7J;"2B!@B94\^Y2[[6Y3U=NT7AG41=`R=3IX$W@Z1I,D'8TLQIF=UM1N?:
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M5PMI0;N0,:QNB,0HG4AT(;<O=X%8#A).43B3R#N3;?;<U2`?)+U"Z4(B:K-Q
ML6X,E]+JT$230ZQ[NY:.GMQW)M.1<X_=#))>2RMZ:5.%P$9)G[;S8SQVXN9Z
MD/(6E7=*637:FSIG^YM!TC3UH$-HZLG(I6;S/6[//?'XT)Q[!^X"A;F3Z6B1
MG;.;.`?UN7CYFQS)2O6OCRB0B"Y!684*Z;D9262D\A82'9I2LO5:*T&MY2"M
M5%K1Z[:JJ1EJY8.T5JA5H%8IT:$Y`M=8HU8S2&LMK8QKW*#6]2"M+6KM4.MF
MD!;%/5PDQ7W+VJBP8UP\K31C_._M+_*9I[F_M.C@N4V;J5CQQ=OA8L\QSG*!
M9%;TMV;&H2"25O+<YKG9\84JMQ9<W%U`.%&.U(_ZD.:NU$MEU2N?2BNCW9ER
M;(]RT.Y<E?<*KU"X4(Z][2ZEU:'9`]U2*\=V%_#<!Z>-*N\]):VEE=$A&^7X
MVCHM3W=MB_K;O47YG987YWMH]XTJ[VTW337H$9IJLDVOM=R>?53!/S#[A(JS
M\;3(LUYT&HV<^YBY^"W%?J9=="NUS[!`LK%^0!1V9I1$U5/"365%G=EH?^*#
MT%Y(@RD];S!DG"TR[F1Z:TLZ,RLIA/.TO>S^.M-.K+?.K#-[Y0IS:=!?VZJ3
MZ:VMZ,QZK["49N>6E;O05=+J@FY(C+YWSENULFKS2S!9FD%UK95*;UT;947G
M--TB=_RN!]6X55J]->Z4U2M7=S.H+EH*VI#J[TI:':39:]=GKPZTAO2N#LWC
M+YKV[`MIQI-D.J+`\B!1^S/'_6(Z5V8&\QD6,"QD6,2P!<-BAB4,6S(L95C&
ML)QA*X85#"L95C&L9EC#L#7#-@R[9MB683N&W3",0A0'G0+2@G;XB4?`YM'P
MP.U/^\28LAOJ('<E?C0G-B8Z=^KI/)G`+J3-E*MON"H6,"QD6,2P!<-BAB4,
M6S(L95C&L)QA*X85#"L95C&L9EC#L#7#-@R[9MB683N&W3",(@\'F"+/@E;D
MB1],OB'R]N;V^4<A>CU-A<^<83[#`H:%#(L8MF!8S+"$84N&I0S+&)8S;,6P
M@F$EPRJ&U0QK&+9FV(9AUPS;,FS'L!N&T8^M1-A0'!B#/KNRH1UFM"Q98?8W
M?P#J"9U]_.E5;GKN/*&X4E;6&Y/.ZV-SPTC%K<^P@&$APR*&+1@6,RQAV))A
M*<,RAN4,6S&L8%C)L(IA-<,:AJT9MF'8-<.V#-LQ[(9A%*,R5NP8M:`=HW3+
M#S%Z2H'^QA\IB]^#MS&JXNI*H3'=L7:'[<D$0E)ZDIER]0U7Q0*&A0R+&+9@
M6,RPA&%+AJ4,RQB6,VS%L()A)<,JAM4,:QBV9MB&8=<,VS)LQ[`;AE%(X@#3
MLFE!.R3%\ROS7/BW4H:>4'$V;8F,N3%79@;S&18P+&18Q+`%PV*&)0Q;,BQE
M6,:PG&$KAA4,*QE6,:QF6,.P-<,V#+MFV)9A.X;=,(RB#P>=HL^"=O2)1SC_
M??2U#X+,FQ7Q^0L1D/JAQ1R1CRA`%"**$"TD\L[H)&PLP,XKW;$TN[!RN&XN
M)Y%6$_U*PE(B^D&/*>\\`TRUE5K*,T0YHA6B`E&)J$)4(VHL9(>`>)KQWX>`
M4'$6H!9Y4WM'=%[1G%-N17@*,]5E/L,"AH62&<\Q(HF,]/>B\S23@:<7;E:T
M,],OC26267$@VVL_]71_U9$J3YWDS132096K.BVQR<1YYVRE/+58H9`6*WDQ
M]V%RI3RU6*V0%FM>$=/G&3N(1)[>#*+^[(;X8(T;+2VR'^Z>.<?^N70T'^XB
M"A"%$CGO-SHA$$DK8]5:((H':27HN$24*J3OK#.%]-*9(UHII!T+A;1CB:A2
M2#O6"FG'QD+V4(NDZQN&NLW16GN#1+H%<Z]%]EN=9\[P^-I*K10!HE`B:U&`
M&A=H%2-*$"T1I8@R1#FB%:("48FH0E0C:BQD#Z)(5+YA$&5>T\A&BD\\B2EL
M#B(@7UHYX^JD+`-MI<8U1/D(T4(BRDHHQUBB_HF>H-8248HH0Y1+9#1BA58%
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MI`I"S@I^2Q`I*S.\F56D;9?\/="94U6L1"@JC4W06=X39656Q2PLO56E4N2<
M=G!=E7NCE0VJ*E=65*/6<E\P64DKXZA8*,?>*RF55:]\):V,650KQU[Y1EFU
M2YDQ)G:8DH@.4]KF#JPUPMP)4XG,,`7DGP(*$(6((D0+1#&B!-$248HH0Y0C
M6B$J$)6(*D0UHL9"]HA92<W#(X;9R],6>=87."9G3K)O;IBIS<!G6,"P4#)K
M"6(6%]DV'3H+Z6C,IGB05H*.2T0IH@Q1CFB%J$!4(JH0U8@:"]G#+1)RW3W/
MX>%N\W=F0N)4(MW+<XF<PX!S^/.UE1K_`%&(\A&B!:(848)HB2A%E"'*$:T0
M%8A*1!6B&E%C(7L0K03BX4'$!.*I1.8@`O*EE3.N;D)"6ZEQ#5$^DJC_LP$+
M925W&>=.,%;%!W;^]DJLJIB=7UKQ5:5X"9FJG?:>;@,'W5Q9]>[#*Y0OE&.O
M?*FL^&97LMC:WX=T1Z-U]<6]?@,K4H1O6$5D1M'(G)Q"DG$ND1-M3G;?UU8J
MV@)$(<I'B!82&9T5HU6":(F.*5IEB')T7*%5@:A$QPI1C8Z-966O(E9:\_`J
M@FE-\2#&26LB\B6RQW7J3.U`6ZEQ#5$K0K20R!I$:%>"CDMT3-$J0Y2CXPJM
M"D0E.E:(:G1L+"M[$$5N\0TS4:8BS9D(V<GY:8OHN*7&PI?(.$@%VDJO&/1#
M3_NK8"%GQ1S=9(WFVL?<%TJK=NUS#ICQH)H29676!(OX4EFQ-:6RU.B,3#GT
MRN;*ZL#>`"-2*,=>^5)9L:VN9*DQ46KET"O;**O76FT%Y)@6$BL@_]8K.GL5
M^\90(N.'0'-$/J)`HBDM"MVV/?*<Z`DY*XQ3:75.%]EI89PJK8OVI^9N_D(5
MFPV"JI)!52V5EJS*.7.GLMBS?X$+"0RN+I@4N:[+N'A(8$@K8YP*3AYZK=3R
MXI=Q$^=2*EE\IA>EFM.%9C=:EV^V';Y6LI2&>1^^](]<T8"+#S&KW[T,_RHS
M=82;XY"(?E_>+;!SAOD,"Q@6,BQBV*)C^M@?=TRW)6'8DF$IPS*&Y1W3]:XZ
MINLM&%9V3/M6#*L[IO6:CNU][7&FQ>P?6*:$BK-,2:1?#YB/`?F(`D0AH@C1
M0B)/G."[16DR@56G;<6!=[FDV(6]P#F;^E):G5O[QL194E-MI8X1&:(<T0I1
M@:A$5"&J$346LJ."+N@?B`JAXD1%BYR?I+N?3)J/M9GJ,I]A`<-"R8Q#2201
MI6Z5VD)YBMN"+ECP]2YE1C]G5ZZ)JD"_>K949N)\VJG!1WM3:69\&2)32+^,
MD+-B^'J7\M3[0*&0%BMY,7B]2WEJL5HA+=:\(J:?=ME!]+:,JOA1AALM+3KP
M>I=T-%_O0A0@"E6->D6-%-*KU@)1K)!V3!32CDM$J4+:,5-(.^:(5@IIQT(A
M[5@BJA32CK5"VK&QD#V(;\N3CC%/JI!NP5PB^TX87MS25FKJ!8A"E(\0+1#%
MB!)$2T0IH@Q1CFB%J$!4(JH0U8@:"]F#*#)?PV^.Q:]1W)DHD3F(@'SIZ(RK
MFR?55FI<0U6CEH\0+20R;MQBB?H?B"2HM424(LH0Y1(9C5BA58&H1,<*48V.
MC65EC^O;TH]C3#\JI#M^CLA'%$AD=3R\N(5^$><'MT`+:24_0#5R<I\QZB:<
M+MP"+?MU4]3-!NGFCJYS`%RA;C%(M[1UG8E4R=)#+VX-JJK151DG&..FU@X\
MD5A\PX(BS)V#H$1FX`'RQ1<GA:.V"B2R`@]?W$+'B'-D(J^M448>O+B%N@FG
MRT1>KVZ*NMD@W5Q:V=_?,8:M?7$+Y8M!\J66%[D(MSLJ66PLAO4@W4;K#HDV
MD0?LHHTZLO]E"O'!'3?:(),XEU;.7J6/LNV+6]I*[54!HE#5J,,T0K20R.BL
M&*T21$M$*:(,42Z14>,*K0I$)3I6B&IT;"PK:\F@7\.\91#WYO:2H9#NY3DB
M'U$@D;-D.'F!D+.";&3$6SGORBZDE5Q%W%=`8E[$22XDG!4N+/U5I;+XP(M;
M@ZK*=57\I&W7&FEEK-G%(/ERD'PEK8R8K@?)-UI>+&7&F-AA:N4]#ZXUXK,J
MSEJCD!FFTDHC'ZT"1"&B"-$"48PH0;1$E"+*$.6(5H@*1"6B"E&-J+&0/6(B
MGS=\=YC()*1.CUY)=.C%+<-,;08^PP*&A9)92Q"SN,BVZ3A92$=C-L6#M!)T
M7")*$66(<D0K1`6B$E&%J$;46,@>;BLU>7B"8@YR(I'NY;E$]F'`_>JMKZW4
M^`>(0I2/$"T0Q8@21$M$*:(,48YHA:A`5"*J$-6(&@O9@VBE!@\/(J8&)Q*9
M@PC(EU;VN)XY]U&!ME+C&J)\))$SA6'G;QNA=G[G[8Z8%X&=OQ6QJF)V_MZJ
M4KR$C*L=='-I=>"6`N6+0?*EEM_OPTX/5;+8VM^'=$>C=?G3B1V`5EKS<`!B
M6G,BD1F`+;*C;>K\ILB7CF2EHBU`%*)\A&@AD=%9,5HEB):(4D09HEPBH\85
M6A6(2G2L$-7HV%A6]B!::<W#@XAIS0GD,.>(?(F<<74"-]!6:EQ#U(H0+20R
MNC1&JP31$E&**$.42V34N$*K`E&)CA6B&AT;R\H>1"N'>7@0,8<YD<B<B2VB
M!52-A8]6@43V,@LO;G%6S-&MJ]%8?=Q/\2ZDEMP=G#1A/*BFA+."17QIU^2\
M0Y+*4N-4F0V2S;6L<9F0;D+Y8I!\J>7%WN"TNI*E1MC6@V0;+<NWV@Y(BD'K
M?N)OO;@U$2I._J)%]#*&"LJYM#*0CRB0Z,"+6YP5$Z=M(RPMS()*+?IVL1@'
M]WMD\:"J$M[*.3`MG:J<,4]E\:$7M[BZ8%+DNBX^#F0"`\:IX.2AUTHMO^\U
MYU(J66R^N,7I0K,;K<LWVPY?-UGJAJ]Z<ZL_B3K!)*I"]*1`![!*K&KF,W8!
MPT*&10Q;,"QF6,*P)<-2AF4,RQFV8EC!L))A%<-JAC4,6S-LP[!KAFT9MF/8
M#<-F,PY>V=`*O[.WI7GWYO8R*9%G+5&3J9.9GQMF*AI]A@4,"QD6,6S!L)AA
M"<.6#$L9EC$L9]B*807#2H95#*L9UC!LS;`-PZX9MF78CF$W#)O-.'AE0SOR
MWI:YI678W:`5$KG&[BVNR=1Y4#`WS'3D235R52Q@[$*&10Q;,"QF6,*P)<-2
MAF4,RQFV8EC!L))A%<-JAC4,6S-LP[!KAFT9MF/8#<,H\G`P9U<VM"/O;1GH
M,\Q`*^1$GG.#,#?,5)3Y#`L8%C(L8MB"83'#$H8M&98R+&-8SK`5PPJ&E0RK
M&%8SK&'8FF$;AETS;,NP'<-N&$:1)T/#6$8H\BQH1][;DN%GF`Q7R(D\Y^PZ
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MPK;-H[;1-RP9G],1M9H-CE,:'_H&#.=#XT,?%L$2^@=J+_TV,>[T`?T3GE3"
M^YQ1"7<]]*^-40EW/?1-\<N8OI>,+:"/AE^*3V]CR95'K69]9C.Q[G"]<W5Q
MZ;,Q-7I/+>-F]'PTHA*N/^<CCTK8L1Z=4@D7'^'TLN"NOYI2@[F"J_-+G[N0
M\/PRXGA\?IEP/#V_S#B^.K\L.%Z=7]8<7Y]?;CB^/;_<[?E)%R?/GS[\NOUZ
MG]T^?7WX^7ST_?X+[57OW]&/QXZ>'KZ*1&S[/R_R'XW[[?'EY?$'I;_HY[7W
MMY_OGX0!&7]Y?'Q1_T-1</+7X]/O^_WPT_\+````__\#`%!+`P04``8`"```
M`"$`/U1HT+\:```EE0``&0```'AL+W=O<FMS:&5E=',O<VAE970S,BYX;6RL
MG5USVSBOQ^_/S/D.F=RWB64[=CQMSS2VWM_\;M]F4[?-;!-WDNSV>;[]`2U"
M(HE_9&>W-YONCP!$$B`D093\X?_^\_#C[._=T_/]_O'C>>?]Y?G9[O%N_^7^
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M?@GNE<GSL[N_GE_V#YM*J*--548\;83^`B,MBEVM2'^!XHE'[VDC]!<8:3DZ
M#?`P=OJK%8?O.[W+*S7R%K4KK49_M5KG)+V!UJ._6L_SWO>\_F!XF.N6(])B
M/724_KZEH]=:C?Z^J:,=BL(J*%0X:H</WP\ZE]?=0?O<=.IXHG^\I:\=CB'U
M#ZUH1F++['0XBM0_N+O=T[K+L=-I@D>-ONUH'#5JE?'13IP<CIR.$3K]9K6U
M'96#I]-$STE!U^'84?_@[IYX3(Z?3A-`5^^'_7[O:G@D##R.(/4//FK[O'H<
M.>H?K-(]93UZ'#KJ'UKSU'YRZ'A-Z)PTK1X'COH']Q8NC8LJX1[R]^3VY?;3
MAZ?]KS,Z*=(PGW_>JE-L9Z2L<.:NHJ#.Y:^E<LKARLIG9>;C.44%9>EG.O_\
M_6DP\#Y<_$WGC#LM<R-E.K;$F"74"4*9G;C`=T'@@M`%D0MB%R0N2%V0N2!W
M0>&"T@53%\Q<,'?!P@5+%ZQ<L';!Q@5;`UQ0$-210&'[.R)!F5&1P#Z\8="$
MAA,88Y9@E8D+?!<$+@A=$+D@=D'B@M0%F0MR%Q0N*%TP=<',!7,7+%RP=,'*
M!6L7;%RP-8#E=DHYPNU=2I+XTHW7N]*BBS1KO7?MU7Q3R71ZE%7JK-"W9<:-
M3.U\B7R)`HE"B2*)8HD2B5*),HERB0J)2HFF$LTDFDNTD&@IT4JBM40;B;86
MLL*$G"C"1%U[O/$\H<S0J8:.4X?$8-"S@^)&"[4&3B-3!XY$OD2!1*%$D42Q
M1(E$J4291+E$A42E1%.)9A+-)5I(M)1H)=%:HHU$6PM9@4,Q\CL"1YDY!`Z[
M^T:3'EW%UK'4&PSL6!HW4JPXD<B7*)`HE"B2*)8HD2B5*),HEZB0J)1H*M%,
MHKE$"XF6$JTD6DNTD6AK(2M.R(T@3MZK2_R7[_=W?][LR<MT[0+.2UVZX*PN
M0Y41.THTH5S"_A]+-)'(ERB0*)0HDBB6*)$HE2B3*)>HD*B4:"K13**Y1`N)
MEA*M)%I+M)%H:R$K).AVP@H)X'HJDK#OE;3M>TV&C>L%F0CB5\3KT063D5>&
M=EX)&BF.JU"B2*)8HJ1"0_I3']"[=.Z-TD:OD>H-KNUN98T4=RN7J)"HM)#E
M!;ICM[Q0W2&^<6$J([9S-#'6I2`30?R*>#WS`J+7<9W32/$LA!)%$L42)14:
M4.9I<4ZCUTB);F6-%'<KEZB0J+20Y1RJB?Q[YR@CMG,JXEE78%12MX-MW$CQ
M>";:5.-5GX740OW[$\6U<[47-`)L):Q0^X*(6.^*#3OW'W$CP(:3"AUQ)NN]
MUN.L$6##>87:>URPWFL]+AL!,FSY694#+4>WY\*#N.U2C;P>K?0ZDGM#UZ>&
M&`]NPM8,KS)J<FL@4:A1^WQ'4C&6*#G)5BH5,XGRDVP54K'4J']X\&`[2)55
MS$+:$0=551BZ$>)9OE%%:UJ&0W7!PT6TWM`Y#8P;*5:<:$3%8T:^1(%$H4;'
MW*.[VIB/I:WD)%NI5,PDRD^R54C%4B,J]]),V.Y1Y8\WN*>JEECNT:B9AK%Z
M2$`>L^:O-W2J6Q,M9;E'*YIG,>_2R5\!F_<.":Y[Z9SK0VXG_]0!(ZX;(BSE
M'"O64E>#P[%Z?:=.DV`K3G"F+-4ZKHREJG%YSAU;SLVMPRJPE#.L4DOI836>
ML6.#NON6V%#B3FZMD+-TG<Z,5=6C6N"\3B<:6;&AS3=Q%FBI*JP/-SJA5(PD
MBJ5B(J52B3*IF$NI0J+24K1G694(WK`"=47!3)!<9*CSW)@F#JQ`YPICHJ6L
M61:V`K9%:[-93M>.$T-I*Y(HUDC'G7-YFDB%5*),HT%K?W*I6$A4:D3]P6.S
M/:5NTM_@*7U/;WJJ0LYZ<'+*6)4/W?6@;37![VLI&@&OFD`C:SU4BE8J!KE0
MF(^E^42C=ENI5,PDRD^R54C%4B-T*E,WS*9[_M$-F7KXZV:Q"G4/^T0.:6:L
MI0:T6NHUT1M>V?<!$[;5N,C7R+`5L*WJLKH[=%9IR.VM>3^2AF.-KH:'<U?'
M+2<G)QE.I>&,%:L>]\6)JIJO]C@II-U2(^YPIYE/>QVJ>W+3T4<N*:M;>,K`
MO%!NU&-Z<K)[S>\,9&R(L>I$,V/9^8S,:WY]@.[U8>ZO9+JL!-KG*)*68XT&
MU07)5=?I<\+MK=&22L.91I[NLAN&^4F&"VFX9,6JQQVC*&%[5=W,O\&KU;V_
MY=4*.=G5.<F,U4X+-[MJ6^8Z%2C0BH;G0XV.>5'8BJ6MY"1;J53,),I/LE5(
MQ5(CE%W5/;CI'I5=/8KBTXO0:J.*FUHK9*3#L99R4JMSC3]A6Z;+A*V`;56)
MJN,Y5D)N;UTLD98R.AEKI#/5E9.RDY/LIM)NQHJZPU?-E?GAO)-S>VN'"VFX
MU$AW^+JYY+#6(/G==G)[9CV(VU?\&CF9]=JMIAAB=69E:X9+&1F9E34Y37G.
M%(5:X,B:E)9C5JSRU,`M-"?<WCKWJ32<:<29U>LUY[7*JR=9+J3EDA6K+GN=
MYJ+<=BMUV5J[1]RJQ!VW5LA.K=?.;>[8JZ4:IVI;IE,%"K0B7=*K6N@[VG!I
M7TF%6L#(O9%$L4;Z[N)=M^M,=")U4HDRC;@WXD9<JA02E1J==FNA]L99'OI'
MUZX'*X[CJHJ*UZ-S4'.E>NTLFK'65&*-ZRI58\Y]+69DPD`C>ARI7>?,><B=
M:B(@DF9BC71^>B<])SJ32BN91J]V)M<"QI@*::;4"'3&7E:J(N&>$CO]-SX!
M4GL;W=56(:]'9S3#:<WJKFY"M*82:YQ6J?:J'>!JKZ!?BU%RKZW)JEHMUCEX
MLC]P5G>H!0S3D4;7=-#7+<<LU3L8[KIGX40:3C7R>JU]SFJQJL_N578N+1<:
MM7>Y9*FJRQUC]X0=`:I:TA8!R_U/6H_PX;SQA%;M+W5#@.LPS8;!,8O1DXK&
MWU+.!W(!8"%@$6`Q8`E@*6`98#E@!6`E8%/`9H#-`5L`M@1L!=@:L`U@6YO9
MP:**+&:P'#D+ZYJ,<=M*(7.($R>9.U>?8T.LB9-&E9D/Y`+`0L`BP&+`$L!2
MP#+`<L`*P$K`IH#-`)L#M@!L"=@*L#5@&\"V-K/C!-6QZ%T4\N`;-Q5ZLI;%
MR`DAYWIK;(AQN$P`\P$+``L!BP"+`4L`2P'+`,L!*P`K`9L"-@-L#M@"L"5@
M*\#6@&T`V]K,#B%577I#JJF*468M1=W9JU.2$R?.Q=W8$&OBI%%EY@.Y`+`0
ML`BP&+`$L!2P#+`<L`*P$K`I8#/`YH`M`%L"M@)L#=@&L*W-[#A1E:DWQ(DN
M9)FG)*YMV?<73E5R[#5B'!,3P'S``L!"P"+`8L`2P%+`,L!RP`K`2L"F@,T`
MFP.V`&P)V`JP-6`;P+8VL^-$E=;>$"=5)<[*)QJ9^TT]R2:`^8`%@(6`18#%
M@"6`I8!E@.6`%8"5@$T!FP$V!VP!V!*P%6!KP#:`;6UF!85Z&<8*BJIF\>:K
ME(.=0]6BN8D<#)PKDAN6LK;>.4)C0ZA.,X#Y@`6`A8!%@,6`)8"E@&6`Y8`5
M@)6`30&;`38';`'8$K`58&O`-H!M;69'E*H,FFGFGT:4KC`:YZDN%QTIY]2E
MBOZE>SUCB#4!U*@R\X%<`%@(6`18#%@"6`I8!E@.6`%8"=@4L!E@<\`6@"T!
M6P&V!FP#V-9F=@#]EC(JE3?=<@RCJR:DQH!-`/,!"P`+`8L`BP%+`$L!RP#+
M`2L`*P&;`C8#;`[8`K`E8"O`UH!M`-O:S(X552F5R>:-U=MN56\U+W4T\OIT
MPVZD&O>2V!#CM#(!S.<C7-5%OT"B4*)(HEBB1*)4HDRB7*)"HE*BJ40SB>82
M+21:2K22:"W11J*MA>Q0.5;F/>D=K*ZL\C)JGKJ,:T32=?2('5L3+>9=4JZJ
MQ?J7SF8'WQ#C(`L`"P&+`(L!2P!+`<L`RP$K`"L!FP(V`VP.V`*P)6`KP-:`
M;0#;VLP.*%6-_?>Y1]=TFW/235>CYF';F-&0BH%UI("`JC3=@')V3/C:FA)K
M`JI1918"N0BP&+`$L%2SJR8+9H98,[!^Q]EJD!MBW+L"L!*P*6`SP.:`+33K
M#%L7\I)5^Z9[^AWGX=O*$.-1K`';`+:UF1V(J-;\YD>875EG9F0&HI8Z%H@L
MUJCZ;*U]+@,MYL1PQWG8'1IB/)<18#%@"6"I9E?5![S4,]=,(]I.Q4?(:]0:
M#X5Q`#.JG3&4AA@?80K8#+`Y8`O-.NW.6;)JGVJ\=3+I&_M.#D^F5X88]VX-
MV`:PK<WL:%65Y7^?-G5]VDR;&EGOJ?7=-_+&71:C$*U'#U(IB]'?6JS?<8H5
M_FG6`BWF]:MMO'0XYWE?:$CP;$=L_)IN7NL^B*[&M6JU3Y4$G$T&B2'!QE/-
MK(#'8W;NKW/N5GN8%?5!7QMS:4APMZ::52^A'0)Q5HN]-KZY(<&&%IIUG$T"
M3DY>UJJO]7)E2+#Q=6V\U3.;6O6UGF\-"3)N+Q15;C<72ONCYJZNSILK0B,K
MX\JW[EBSW9^36LS,??V.<TODUV*MZRNHQ:B/1FP[D1O68M4,OJ/OX]F[RJ):
MHO5X<2UF]EYLH$E8C)9<M17*B9=4"]"F/0Z&C'6L:>X;6Z2K#8*U6&M'BUJL
M=6+*6JR:F(Y[@IQJ`:.CLUJG=0[F+*;GP$EY"VYN#Y=E+=8ZCE4M5HW#\?^Z
M;FZ=M$TMUCJR+8NQ=YO,9J\\]4S#7'G_:",?;6X5%:@*>7USKU5OZ`QZK#5M
M,9'W)U"LWW$6B`_%A+5`BQD[P\):TYI5=X-65(N9HQ('B.4!DEJSVJ+USA.K
MK9JPJV8G7%;KF$?K>^*.`4VUZ%0A.U76!V@=]52+&5V;26-SP]CA"P'.`!=U
MNSD:T<VEM+RJ-5N[N9::&XFV1XU9ZT-MZ)/K@[YI2ZE<?<V&-\R=_E;!P:*]
MZ54CSZS6`C8!S`<L`"P$+`(L!BP!+`4L`RP'K`"L!&P*V`RP.6`+P):`K0!;
M`[8!;&LS.V[40YA_G5<I0[EY52.G6NMFD[$AQB?O"6`^'Z&I4P02A1)%$L42
M)1*E$F42Y1(5$I42326:2327:"'14J*51&N)-A)M+62'RF]Y"*0^<^3LR674
MW-2/:V1E4O?5D8D6<PH3HEIKB'&0!8"%@$6`Q8`E@*6`98#E@!6`E8!-`9L!
M-@=L`=@2L!5@:\`V@&UM9@<4G6!_0^Y15ISSE$9-I6NL/N"DI-JOD"=:S`TH
M]_K-$&L"JCJ"6<$-@5P$6`Q8`EBJF5FM-<2:FS99K37$N,<%8"5@4\!F@,T!
M6VAVK%K+JD>JM888CV(-V`:PK<WL0*0L\QL"45EQ`E$C,Q`U.A:(+%;?T_IJ
MA\XAA.FO<7ON7+X&6LP)8?=>-#3$>"HCP&+`$L!2S<S:E49FL;9&K6,HC`,T
M0^V[8R@-,1[#%+`98'/`%IH=21)+5CU2K#7$N'=KP#:`;6UF!ZMZ*O3OK]BJ
M9TOF\_6>1D>*M;58Z^W_I!:SB[7-[?VA`N/78JW6`BW64JPU)'BV(S9^I%A;
MJ[Y6$DP,"3:>:F8%/)Y!9\PY=ZL]!13U05\K@Y:&!'=KJIE9K*W%7AO?W)!@
M0PO-CA5K:]77>KDR)-CXNC;>7JRM55_K^=:0(./V0J&0LA9*>[%6?=?73=\:
M655$6:QES79_3FHQ,_>)FJ1?BQU9$=RWUEI>6%NK9O!=9^!49:):HO5X<2UF
M]EX6:UF,RWG=2Z=6F6H)HPB:L9(USV)F\EJLM:=%+=8Z,V4M5LU,9^`LTZD6
M,#HZJW5:)V'.8GH2/..S`(>LMV"!]HA9UF*M(UG58M5(G'&LZ^;6:=O48JUC
MV[(8.]C8%V"O/O7@ZM^?IO3C+^,)BOJ>)*U3NQ(K"[903%3Q)E!,E"Y]*":L
M!5J,[J$YTX6L>75Y>'KA;D"(N-VJ/PO+L;2<U)JZ4FMXXA!EJ18PRJ%9K4,W
M*_4UI!AN#L5$IPHM9@RW9$T]W'?N>*=:P.C43)J9LYF^?E'825J+NMT<A^C@
M4EI>L29UL)D!SRV@KZ7F1J(M&Z-N8F/VDJ!EW+HDN$A[Y$2ES!SN,YIC#MSL
M=:->,%/+1.V6:CQM/Z@;&T(<L!/`?,`"P$+`(L!BP!+`4L`RP'+`"L!*P*:`
MS0";`[8`;`G8"K`U8!O`MC:S`TH]4)$Y]LUOBJCO(;B7/AI9GTKHNY_L&+.F
M^:D$P'S``L!"P"+`8L`2P%+`,L!RP`K`2L"F@,T`FP.V`&P)V`JP-6`;P+8V
MLP*H#Y\:O?5+&P<K=N&#$=W'<F(9`S8!S`<L`"P$+`(L!BP!+`4L`RP'K`"L
M!&P*V`RP.6`+P):`K0!;`[8!;&LS.U9^RY,BNB]U4XU&5'9H0D5+-4\$)JS8
M(%^B@&V9EP5]S]F]'392?,1(HEBB1*)4HDRB7*)"HE*BJ85L?[B/8]JO&OKR
MN0LC<XUJJ09-M)11Y_`E"C2R?\6B[WZ2)C3$FJFOCJE4F<5`+@$LU<PLB!MB
MQH5/U[F"S`TQ/FH!6`G8U&:V5]13`'E*?N/;+^IFP#DA,VH\,Y9HHI'EK,J6
M@0(M9?^J1;_K5))#0XRG*`(L!BP!+-7,Z$EFB)G.<GJ2&V+<DP*P$K"IS6QG
MT;7Q;W"6LN*<_BHT;)+56-TB**G&?Q.)?(W:/[(7:*FAE>7<ZGC82/&<11+%
M$B42I1I9KM-C;.U$+FT5$I4232UD>^VW%,#56V2NURID?2&SWW5VB(]9T70D
M4C2^LEN5NK7B,=]6MCPJ;!YV)\EMR=J.DF@<6VG1V8)17(N]]NL?B2'!6BDS
M8R\EHU=[E!L2;*C0S.A168N]UJ.I(4&&;*^K>J>96(^<[I2XLR@K9#W>D,5<
M]0327:=`L=]U=@CZ4C'0:&"5&MR?70BUE/J,99,#144BDO9CC:P1R9(L]T)_
M)]@N`:1\=-/AU7C;NYVS8GNW"Q9K[)=-AXSQNM,R;:34.FC."'94N%7&(U$A
MRXGJ(1[YVUJ5_:[S*L!82UG9&RJ*J`!2HDX52/,A]TO_:(7MM4@JQ!(E&NGO
M=KH?_TQULU'@SB3*-=)?[70_7UU(C5*BJ4:Z)QUCAX[MSF,5LI->"*4W.L3:
MU]4PH^PX9C$SD5=BSAG`>8+A:T4K9(!/*UOTIC3GQ)`5*5G7)3FPT'7WFW[%
M6M&PE9QD*]52EHMUOYJ2>M[84DO-B?U"VB@UHC=[>6S3Q@8>F^UG7+AZZU6R
M+%OU*V2_8.(^?AEK*:-N/6'4C,C7:$#SU7C+W8(6:*DC7]0,:['J)0;GHB+B
MPYOG;S04-TLF6O&ZJI-[SK.?5#<;89_5/6D]*^6U6-7AH7,/74C+I4;4%W/"
MG(PX;:0.>=UX><0*$56?M\[W[H;_TXKE!S/V=0`C*MYS](X!FP#F`Q8`%@(6
M`18#E@"6`I8!E@-6`%8"-@5L!M@<L`5@2\!6@*T!VP"VM9D=+&YMJOTR@):#
M>X)@I.HM]6KONY]+'AMB'#L3P'S``L!"P"+`8L`2P%+`,L!RP`K`2L"F@,T`
MFP.V`&P)V`JP-6`;P+8VL^/D;36S*UDS8V06M@&;`.8#%@`6`A8!%@.6`)8"
ME@&6`U8`5@(V!6P&V!RP!6!+P%:`K0';`+:U6144%\_?=[N7R>W+[:</#[NG
M;[OQ[L>/Y[.[_5^/E`)H,XJ!SYYV7S^>WUQU1BJ^:.W7"MSB4<OA6L]I^=R]
M''VNSC5."WU[;:0^VP6L=>DX]#TFU$+'J:X#76L]LD9O>DB=S[WAZ#/L&STE
M)IU#E4I8NZ:6PP?0W98^'8>>$\CCW%Q1"V5IT-(G%<2O2`%QKS=2GWP&ECPR
M11_Y12UDC+[=BEH&U'(XVSMC"?K]44A%!ZE#Y9.1*I#(EHQ:5,5#ME"!8Z1*
M&++E<V?T&<7&#;D9>IF<#.6[Y'QDOT?VH;-H'M$TTH,2ZBHZ-%7R:>#HX!FU
MJ-*W'!X5E$D'=8P*O*2#6JB(23JH;QFUJ/(?.$Z/W%65O1Q'QM2B=FE*'=I&
M.5(;)67+C%K4SD?9LJ06M6U1MFRH1>TYE"TWO<Y(O;DD6^@M%=)!\T:O&U"O
MT>QDU*+VTTMK2VI1>]EE"^W\)FMHWF@_-5E#+;27F:RA%OH^PDA]`4$>ASYN
M,%*?+Y`M]'V!D?J"@&RA#P:,U"<!9`N][3]2[_/+%GI5GZ(=M4RZY&WZ^HK4
MH8_7T'%0"WT0AJRA%OJ\"5E#B8,^&D+64`M]L(.LH98;[W(TKNZWG1B]\3K4
M@B+DQO.H!47(C=>E%N3MFVYWI+YK)N>`OF%%?4,^O?$HW=/G:*7.C4?I'F>0
M#HV'?H88Z'1H//0+N*B%>EUM+7?GH-.G%N0%^NTX:D'>OND,J07UVA^,Z.?M
MY?%3"D/$_>&(?G$=R`]'])/GDM]<C\8HJ_K7(_H5<2D?78_H1\`E3Z]']!O>
MDA?7(_H);N(7]30]?_KP\_;;+K]]^G;_^'SV8_>5+D4N#X61I_MOZAZX^I\7
M_0,8?^Q?7O8/=(-[?O9]=_ME1Q_)N50O_7[=[U_X?]0!?NV?_CQ<[GSZ?P$`
M``#__P,`4$L#!!0`!@`(````(0#5,JE6B`0``-,/```9````>&PO=V]R:W-H
M965T<R]S:&5E=#,P+GAM;*Q7VXZC.!!]7VG_`?$^$.X)2C(*"9>19J75:B_/
M-'$2U(`C()WNO]\RM@FVL]F,IE]".%0=5YUR^;+\^EY7VAMJNQ(W*]TR9KJ&
MF@+OR^:XTO_Z,_DRU[6NSYM]7N$&K?0/U.E?U[_^LKSB]K4[(=1KP-!T*_W4
M]^?0-+OBA.J\,_`9-?#E@-LZ[^&U/9K=N47Y?G"J*].>S7RSSLM&IPQA^PP'
M/AS*`NUP<:E1TU.2%E5Y#_%WI_+<<;:Z>(:NSMO7R_E+@>LS4+R45=E_#*2Z
M5A?AMV.#V_RE@KS?+3<O./?PHM#79='B#A]Z`^A,&JB:\\)<F,"T7NY+R(#(
MKK7HL-(W5IA9,]U<+P>!_B[1M9O\U[H3OJ9MN?]>-@C4ACJ1"KQ@_$I,O^T)
M!,ZFXIT,%?B]U?;HD%^J_@]\S5!Y//50;@\R(HF%^X\=Z@I0%&@,VR-,!:X@
M`/C5ZI),#5`D?Q^>UW+?GU:ZXQJN[05S"^RU%]3U24DX=:VX=#VN_Z%6%N.B
M+#9C@2=G\0TOF#D#R0-'ASG"DSE:P<.17.8`3^XP-^RY9WD^B??!4/!UR!2>
MS-,.)ID^\/29)T3&QWP<)#37,!0\^5"N,?<\UY\'=X,T:56&(N_R/E\O6WS5
MH'-`]NZ<DSZT0F#CU:7!CO7^KW)#G0G)AK"L=(@9"MG!''U;![ZS--]@7A7,
M)E)M+-%BRRW()"*T.QF(92"1@50&L@E@0LYCXC"3/B%QPD(2YR%''+@I84M9
M<@ONLI.!6`82&4AE()L`0I8P[3\A2\("?2N4UQ73BJB-Y4+?C)/`$VVV-YLQ
M>16*52A1H52%,@$29("@/D$&P@)]`L.,&0:^E&/$C![J<+,9=5"A6(42%4I5
M*!,@00=8&V0='-@1?K#;"<N@`X\^8H@+"]DHC>O,I?+?K+CC3H5B%4I4*%6A
M3("$M"$L.6W+,\A*V9_*XC7"$#2L$W>V-`<6,[K$$0XQ:8;XSMC]6Q7:J5"L
M0HD*I2J4"9"0(2R]/YTAX1`S9,AT78?3EU159K28E-Z>24O[CAJYP;`WP&=I
M]8C'[WQF),_0ILQMSFFE/2<;OP.MH!<YG4ZVO3N5A\V>EYX8B\(P9)JSZRPD
M8:@1.32,/:$*PXR@LA,C*8V8&GGVD*8D;?+,,"DULJ8!VS-IF(P-0^;\V_JV
M;0G"`<-4.'I>^,%6(ARBGA1QH`='%5Q7GFC4Z'_T9$SVV),Q0]PA*U?*.7F&
M-%5(,X:0.?*V]ORQ\H)6<"S_>;$&$E$M!KE`/\IE+Z2-:,NMZ$&:GJ=(0"M=
MV)N4:1`S1\^GBDFMFJB\*8>$@)3IQ7GI(N#==@<J&KV!T,-IC=HCVJ*JZK0"
M7\CM`IS7RQ&F5Y]=$,+"`:TMX6D00N>K.%R5-L/$D.PC<H6Z8Q_9(1RL5)[(
M">&LH>(;-]Q`G.J'R`UA4[Z#>R'L6G=P/X2U'G!SC!2N5.?\B'[+VV/9=%J%
M#B#*;&B\EE[*Z$N/SR`6W*MP#W>IX>\)+L\(CM,S`Y:B`\8]?R$#C-?Q];\`
M``#__P,`4$L#!!0`!@`(````(0`JQ>"V,0$``$`"```1``@!9&]C4')O<',O
M8V]R92YX;6P@H@0!**```0``````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M``"<D5%+PS`4A=\%_T/)>YND$QFES4!E3PX$)XIO,;GK@DT:DFC7?V_:=76B
M3T)>PCGWR[DGY>J@F^03G%>MJ1#-"$K`B%8J4U?H:;M.ERCQ@1O)F]9`A7KP
M:,4N+TIA"]$Z>'"M!1<4^"22C"^$K=`^!%M@[,4>-/=9=)@H[EJG>8A75V/+
MQ3NO`>>$7&,-@4L>.!Z`J9V):$)*,2/MAVM&@!08&M!@@L<TH_C;&\!I_^?`
MJ)PYM0J]C3M-<<_94AS%V7WP:C9V79=UBS%&S$_QR^;^<5PU56;H2@!B0S\-
M]V$3J]PID#<].[RY)O%^7^+?6BG%F*X0#G@`F<3WBF.ZD_*\N+W;KA'+";U*
M*4GSY38G!:'QO);XY)KFV0S44X!_$T\`-N;^^>?L"P``__\#`%!+`P04``8`
M"````"$`L2T,(?$#``!@$@``$``(`61O8U!R;W!S+V%P<"YX;6P@H@0!**``
M`0``````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M``````````````````````````````````````````"<6%%OVS@,?C]@_R'P
M^^JTZ^V*PO'0)>FU0'<-FJSW*&@VDPBS)4.2@W2__FB[2>PK3:Q^BB/Q(S^1
MGRC9T9=]GHUV8)TR>A*<GXV#$>C$I$IO)L'WU>W'JV#DO-2IS(R&2?`"+O@2
M?_@C6EA3@/4*W`A=:#<)MMX7UV'HDBWDTIWAM,:9M;&Y]/C7;D*S7JL$9B8I
M<]`^O!B//X>P]Z!32#\61X=!X_%ZYX<Z34U2\7//JY<""<?135%D*I$>5QE_
M4XDUSJS]:+Y/((O"]F2$[):0E%;YEW@<A>V_T3*1&4S1<;R6F8,H/`U$=R"K
MI"VDLBZ.=OYZ!XDW=N34+TS;13#Z(1U4=";!3EHEM4=:E5GSIW[."N=M_*^Q
M/]T6P+LH1(-FL'YLV[:?U65\=5%;X%/7LO+0,,&)+L>5\AFXQ_5"6D]0ONIP
MKEDTC!M"ARH*U(:8:X_Y$O>ZJ;8R;>;'-4R-=B93J?20BJ7'GTH&3I@U(I,!
MD//W8J8F'P#YC3!?929U`F+YIF[TZKOV8B'?34MVU$%'Z>9X*AV]DF69Y]*^
M5'58JHU6N$E1GN(F24RI/<ELIG;@L.:E!9K'*]B))TA`[>2/#&JE/!BI:<03
M.+#H5:"&Q(-QKL?SO:Y"5\H1KQL5>Q!)\@9]G(Q^U;N?MIR6SIL<K)A!89SJ
M[KQC;F=@<26^6GJ]ECM(-[CE,5$XID@*M]@.Q+/,RAZ*?Y?28JZA9WJZE7J#
MT92NJE'F95;OG4>_1:Y3,B+N)%R)6,E]C\^YM!I9.[&H?)@\-QIE*RV(^6))
MNOS'Z'ODB*7V6,X=Z+*IY7R/+;XGH08[`E+725]QGC#3UM>Z>,2#!-.*F5S"
MIBHLR8*09@598$?!("2$%:$@(4<5WAY5B+E$]=+K),7(`4A-<H`WTN2,>872
MN[\E4<[U2:F<%2]8F@`K2+I*O"+I,)S@Q(H40[O+86OP4F5.K/#&4N+Q3R)X
MQ='$>$QSKK]>`HZMB,=\&L#M<@#FSP&8SP,P?PW`7)&8X_8^'3*'PK[77M#5
M9"((NI9'1*OE',1&5Y)#K.A62#>JUS#DTED$O2UY")TO'D-GC,?0.:,;+Y<`
M%D$GX&VSY@+T6O=(J]^>3E._/9TB_O2@8_"8(7'H1L3'H1M1^V3CZD#8]52`
MLJ3S0EFR)T?K?.6X\@<LS87'T#5J7R,/'9(_^OACG-[\_#E.KX;'T*OA,;3B
M>`RM.'S#/5U[?R]MW+7$=;I,YU7^?R_O#TK_=-^+E9GA"\+AZT1W,*HO^2F^
MMQ_F3P/1'7Z8L%GEI!%+>K!Y.U%]2WEN/AC%YY=GXT]C_$S2&HO"TZ>A^#\`
M``#__P,`4$L!`BT`%``&``@````A`$+(,"=R`@``X2\``!,`````````````
M`````````%M#;VYT96YT7U1Y<&5S72YX;6Q02P$"+0`4``8`"````"$`M54P
M(_4```!,`@``"P````````````````"K!```7W)E;',O+G)E;'-02P$"+0`4
M``8`"````"$`K)DS;_4"``#L+P``&@````````````````#1!P``>&PO7W)E
M;',O=V]R:V)O;VLN>&UL+G)E;'-02P$"+0`4``8`"````"$`TY%Y>[4%```H
M&```#P`````````````````&#```>&PO=V]R:V)O;VLN>&UL4$L!`BT`%``&
M``@````A`$_R_*V=`P``^0L``!@`````````````````Z!$``'AL+W=O<FMS
M:&5E=',O<VAE970T+GAM;%!+`0(M`!0`!@`(````(0`]V_:;:0(``+X%```9
M`````````````````+L5``!X;"]W;W)K<VAE971S+W-H965T-3DN>&UL4$L!
M`BT`%``&``@````A`#@?S)A]`P``S@L``!D`````````````````6Q@``'AL
M+W=O<FMS:&5E=',O<VAE970V,"YX;6Q02P$"+0`4``8`"````"$`VAI&<R\#
M``!:"0``&0`````````````````/'```>&PO=V]R:W-H965T<R]S:&5E=#8Q
M+GAM;%!+`0(M`!0`!@`(````(0#H;N7TM`,``/@/```9````````````````
M`'4?``!X;"]W;W)K<VAE971S+W-H965T-C(N>&UL4$L!`BT`%``&``@````A
M`!)7,*JO`@``[08``!D`````````````````8",``'AL+W=O<FMS:&5E=',O
M<VAE970V,RYX;6Q02P$"+0`4``8`"````"$`-BG^O-L'```G*P``&0``````
M``````````!&)@``>&PO=V]R:W-H965T<R]S:&5E=#8T+GAM;%!+`0(M`!0`
M!@`(````(0#I^C-:O@,``+<-```9`````````````````%@N``!X;"]W;W)K
M<VAE971S+W-H965T-C4N>&UL4$L!`BT`%``&``@````A`"/G=!/G`P``8@\`
M`!D`````````````````33(``'AL+W=O<FMS:&5E=',O<VAE970V-BYX;6Q0
M2P$"+0`4``8`"````"$`26FMD0P#``!F"0``&0````````````````!K-@``
M>&PO=V]R:W-H965T<R]S:&5E=#4X+GAM;%!+`0(M`!0`!@`(````(0#\UXLO
M(P,``*,)```9`````````````````*XY``!X;"]W;W)K<VAE971S+W-H965T
M-3<N>&UL4$L!`BT`%``&``@````A`!H__!8Y`P``$0H``!D`````````````
M````"#T``'AL+W=O<FMS:&5E=',O<VAE970U-BYX;6Q02P$"+0`4``8`"```
M`"$`7:XWY44#``!,"@``&0````````````````!X0```>&PO=V]R:W-H965T
M<R]S:&5E=#0X+GAM;%!+`0(M`!0`!@`(````(0")S6;#UP(``*4'```9````
M`````````````/1#``!X;"]W;W)K<VAE971S+W-H965T-#DN>&UL4$L!`BT`
M%``&``@````A`/X8N4)F`P``-0L``!D``````````````````D<``'AL+W=O
M<FMS:&5E=',O<VAE970U,"YX;6Q02P$"+0`4``8`"````"$`4$M;\=T"``"I
M!P``&0````````````````"?2@``>&PO=V]R:W-H965T<R]S:&5E=#4Q+GAM
M;%!+`0(M`!0`!@`(````(0`1@5F`,00``&40```9`````````````````+--
M``!X;"]W;W)K<VAE971S+W-H965T-3(N>&UL4$L!`BT`%``&``@````A`%%-
M_N/M!@``O"0``!D`````````````````&U(``'AL+W=O<FMS:&5E=',O<VAE
M970U,RYX;6Q02P$"+0`4``8`"````"$`=H_E&=4%``!X'@``&0``````````
M```````_60``>&PO=V]R:W-H965T<R]S:&5E=#4T+GAM;%!+`0(M`!0`!@`(
M````(0#YT^K"&`8```4=```9`````````````````$M?``!X;"]W;W)K<VAE
M971S+W-H965T-34N>&UL4$L!`BT`%``&``@````A`.N?E.Q\!@``=B$``!D`
M````````````````FF4``'AL+W=O<FMS:&5E=',O<VAE970V-RYX;6Q02P$"
M+0`4``8`"````"$``IK\@F<$``!"$@``&0````````````````!-;```>&PO
M=V]R:W-H965T<R]S:&5E=#8X+GAM;%!+`0(M`!0`!@`(````(0"(.[P]A@,`
M`(8-```9`````````````````.MP``!X;"]W;W)K<VAE971S+W-H965T-CDN
M>&UL4$L!`BT`%``&``@````A`"@]E\88!```:PX``!D`````````````````
MJ'0``'AL+W=O<FMS:&5E=',O<VAE970X,"YX;6Q02P$"+0`4``8`"````"$`
M9VAWX&X"``"U!0``&0````````````````#W>```>&PO=V]R:W-H965T<R]S
M:&5E=#@Q+GAM;%!+`0(M`!0`!@`(````(0#X!'`L.`@``(\H```9````````
M`````````)Q[``!X;"]W;W)K<VAE971S+W-H965T.#(N>&UL4$L!`BT`%``&
M``@````A`/MBI6V4!@``IQL``!,`````````````````"X0``'AL+W1H96UE
M+W1H96UE,2YX;6Q02P$"+0`4``8`"````"$`9A7/$0X4``"H%`$`#0``````
M``````````#0B@``>&PO<W1Y;&5S+GAM;%!+`0(M`!0`!@`(````(0!84Y)F
M9VP``/^L`0`4``````````````````F?``!X;"]S:&%R9613=')I;F=S+GAM
M;%!+`0(M`!0`!@`(````(0#.]HH[JP(``.T&```8`````````````````*(+
M`0!X;"]W;W)K<VAE971S+W-H965T,RYX;6Q02P$"+0`4``8`"````"$`'+/8
MTV4(``"U)P``&`````````````````"##@$`>&PO=V]R:W-H965T<R]S:&5E
M=#(N>&UL4$L!`BT`%``&``@````A`%FZ=$(Q`P``<0D``!D`````````````
M````'A<!`'AL+W=O<FMS:&5E=',O<VAE970W.2YX;6Q02P$"+0`4``8`"```
M`"$`/K^@$RT#``!K"0``&0````````````````"&&@$`>&PO=V]R:W-H965T
M<R]S:&5E=#<X+GAM;%!+`0(M`!0`!@`(````(0`>0C]0<@,```,+```9````
M`````````````.H=`0!X;"]W;W)K<VAE971S+W-H965T-S<N>&UL4$L!`BT`
M%``&``@````A`.1]WZ:="@``TD4``!D`````````````````DR$!`'AL+W=O
M<FMS:&5E=',O<VAE970W,"YX;6Q02P$"+0`4``8`"````"$```U+@98"``!]
M!@``&0````````````````!G+`$`>&PO=V]R:W-H965T<R]S:&5E=#<Q+GAM
M;%!+`0(M`!0`!@`(````(0`GW#W]%P,``,4*```9`````````````````#0O
M`0!X;"]W;W)K<VAE971S+W-H965T-S(N>&UL4$L!`BT`%``&``@````A`&-V
M(NYP!P``L"8``!D`````````````````@C(!`'AL+W=O<FMS:&5E=',O<VAE
M970W,RYX;6Q02P$"+0`4``8`"````"$`.?FRP2$%```;%@``&0``````````
M```````I.@$`>&PO=V]R:W-H965T<R]S:&5E=#<T+GAM;%!+`0(M`!0`!@`(
M````(0#S^&7(NP,``%0.```9`````````````````($_`0!X;"]W;W)K<VAE
M971S+W-H965T-S4N>&UL4$L!`BT`%``&``@````A`'MFGELD!0``5Q8``!D`
M````````````````<T,!`'AL+W=O<FMS:&5E=',O<VAE970W-BYX;6Q02P$"
M+0`4``8`"````"$`M4DS$<(#``"4#0``&`````````````````#.2`$`>&PO
M=V]R:W-H965T<R]S:&5E=#$N>&UL4$L!`BT`%``&``@````A`/?;!!S]`P``
MF@\``!D`````````````````QDP!`'AL+W=O<FMS:&5E=',O<VAE970T-RYX
M;6Q02P$"+0`4``8`"````"$`97JN[6H$```@$@``&0````````````````#Z
M4`$`>&PO=V]R:W-H965T<R]S:&5E=#0U+GAM;%!+`0(M`!0`!@`(````(0!\
M[<X,<@X``--(```9`````````````````)M5`0!X;"]W;W)K<VAE971S+W-H
M965T,38N>&UL4$L!`BT`%``&``@````A`/Z0]@=.(@``9LT``!D`````````
M````````1&0!`'AL+W=O<FMS:&5E=',O<VAE970Q-RYX;6Q02P$"+0`4``8`
M"````"$`.;>W_^`?``!9O0``&0````````````````#)A@$`>&PO=V]R:W-H
M965T<R]S:&5E=#$X+GAM;%!+`0(M`!0`!@`(````(0#YC@#Q9@D``$DM```9
M`````````````````."F`0!X;"]W;W)K<VAE971S+W-H965T,3DN>&UL4$L!
M`BT`%``&``@````A`*<I:(QE&```<X(``!D`````````````````?;`!`'AL
M+W=O<FMS:&5E=',O<VAE970R,"YX;6Q02P$"+0`4``8`"````"$`R6Z\8.\"
M``";"```&0`````````````````9R0$`>&PO=V]R:W-H965T<R]S:&5E=#(Q
M+GAM;%!+`0(M`!0`!@`(````(0#?V!72Y0L``)HY```9````````````````
M`#_,`0!X;"]W;W)K<VAE971S+W-H965T,C(N>&UL4$L!`BT`%``&``@````A
M`+)9!0K/%0``U'```!D`````````````````6]@!`'AL+W=O<FMS:&5E=',O
M<VAE970R,RYX;6Q02P$"+0`4``8`"````"$`5TUGBE`&``#O&0``&0``````
M``````````!A[@$`>&PO=V]R:W-H965T<R]S:&5E=#$U+GAM;%!+`0(M`!0`
M!@`(````(0#/22H%7B<``+/;```9`````````````````.CT`0!X;"]W;W)K
M<VAE971S+W-H965T,30N>&UL4$L!`BT`%``&``@````A`!-Q:'U*$```)E(`
M`!D`````````````````?1P"`'AL+W=O<FMS:&5E=',O<VAE970Q,RYX;6Q0
M2P$"+0`4``8`"````"$`@<W+6?L"``"6"```&`````````````````#^+`(`
M>&PO=V]R:W-H965T<R]S:&5E=#4N>&UL4$L!`BT`%``&``@````A`']V*;(,
M!@``AAD``!@`````````````````+S`"`'AL+W=O<FMS:&5E=',O<VAE970V
M+GAM;%!+`0(M`!0`!@`(````(0",S$>2:04``.L6```8````````````````
M`'$V`@!X;"]W;W)K<VAE971S+W-H965T-RYX;6Q02P$"+0`4``8`"````"$`
MOW;%M2(&```L&@``&``````````````````0/`(`>&PO=V]R:W-H965T<R]S
M:&5E=#@N>&UL4$L!`BT`%``&``@````A`,\Y""-W`@``V`4``!@`````````
M````````:$("`'AL+W=O<FMS:&5E=',O<VAE970Y+GAM;%!+`0(M`!0`!@`(
M````(0!M<>:Q5@,``/T*```9`````````````````!5%`@!X;"]W;W)K<VAE
M971S+W-H965T,3`N>&UL4$L!`BT`%``&``@````A`,"Z6"RT`@``C0<``!D`
M````````````````HD@"`'AL+W=O<FMS:&5E=',O<VAE970Q,2YX;6Q02P$"
M+0`4``8`"````"$`8T0&UR=,``!VJP$`&0````````````````"-2P(`>&PO
M=V]R:W-H965T<R]S:&5E=#$R+GAM;%!+`0(M`!0`!@`(````(0"YD<TIPP0`
M`!D4```9`````````````````.N7`@!X;"]W;W)K<VAE971S+W-H965T-#8N
M>&UL4$L!`BT`%``&``@````A`*H&I3X0`P``9@D``!D`````````````````
MY9P"`'AL+W=O<FMS:&5E=',O<VAE970R-"YX;6Q02P$"+0`4``8`"````"$`
M0?/Y@!0%``"=%0``&0`````````````````LH`(`>&PO=V]R:W-H965T<R]S
M:&5E=#(V+GAM;%!+`0(M`!0`!@`(````(0#V&?,[OQ4``"5P```9````````
M`````````'>E`@!X;"]W;W)K<VAE971S+W-H965T,S<N>&UL4$L!`BT`%``&
M``@````A`,1VZTGH$P``,F(``!D`````````````````;;L"`'AL+W=O<FMS
M:&5E=',O<VAE970S."YX;6Q02P$"+0`4``8`"````"$`Z?YBS[@#``###0``
M&0````````````````",SP(`>&PO=V]R:W-H965T<R]S:&5E=#,Y+GAM;%!+
M`0(M`!0`!@`(````(0`<6P'S2`8``(TC```9`````````````````'O3`@!X
M;"]W;W)K<VAE971S+W-H965T-#`N>&UL4$L!`BT`%``&``@````A`$ZCQM'_
M!```4!@``!D`````````````````^MD"`'AL+W=O<FMS:&5E=',O<VAE970T
M,2YX;6Q02P$"+0`4``8`"````"$`8]Z1P'@%```Y&```&0``````````````
M```PWP(`>&PO=V]R:W-H965T<R]S:&5E=#0R+GAM;%!+`0(M`!0`!@`(````
M(0!B$&QEU`0``"06```9`````````````````-_D`@!X;"]W;W)K<VAE971S
M+W-H965T-#,N>&UL4$L!`BT`%``&``@````A`-Z5+N:K!0``5AD``!D`````
M````````````ZND"`'AL+W=O<FMS:&5E=',O<VAE970T-"YX;6Q02P$"+0`4
M``8`"````"$`M]GOJ'<4``#]9@``&0````````````````#,[P(`>&PO=V]R
M:W-H965T<R]S:&5E=#(U+GAM;%!+`0(M`!0`!@`(````(0`B<)?X?PL``-<U
M```9`````````````````'H$`P!X;"]W;W)K<VAE971S+W-H965T,S8N>&UL
M4$L!`BT`%``&``@````A`#,T;80W"```MB4``!D`````````````````,!`#
M`'AL+W=O<FMS:&5E=',O<VAE970S-"YX;6Q02P$"+0`4``8`"````"$`&%1R
M@]=*``#JH@$`&0````````````````">&`,`>&PO=V]R:W-H965T<R]S:&5E
M=#(W+GAM;%!+`0(M`!0`!@`(````(0#-RN/X:@\``%]-```9````````````
M`````*QC`P!X;"]W;W)K<VAE971S+W-H965T,C@N>&UL4$L!`BT`%``&``@`
M```A`"](>0P_&```VH```!D`````````````````37,#`'AL+W=O<FMS:&5E
M=',O<VAE970S-2YX;6Q02P$"+0`4``8`"````"$`T0H$.>`C``#UP```&0``
M``````````````##BP,`>&PO=V]R:W-H965T<R]S:&5E=#(Y+GAM;%!+`0(M
M`!0`!@`(````(0"<//S_C0X``&-(```9`````````````````-JO`P!X;"]W
M;W)K<VAE971S+W-H965T,S$N>&UL4$L!`BT`%``&``@````A`..)-R_7'```
MI*@``!D`````````````````GKX#`'AL+W=O<FMS:&5E=',O<VAE970S,RYX
M;6Q02P$"+0`4``8`"````"$`/U1HT+\:```EE0``&0````````````````"L
MVP,`>&PO=V]R:W-H965T<R]S:&5E=#,R+GAM;%!+`0(M`!0`!@`(````(0#5
M,JE6B`0``-,/```9`````````````````*+V`P!X;"]W;W)K<VAE971S+W-H
M965T,S`N>&UL4$L!`BT`%``&``@````A`"K%X+8Q`0``0`(``!$`````````
M````````8?L#`&1O8U!R;W!S+V-O<F4N>&UL4$L!`BT`%``&``@````A`+$M
M#"'Q`P``8!(``!``````````````````R?T#`&1O8U!R;W!S+V%P<"YX;6Q0
52P4&`````%L`6P#O&```\`($````
`
end

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>17
<FILENAME>R70.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EI5DI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Fair Values (Details 2) (USD $)<br></strong></div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract', window );"><strong>Financial assets for which carrying values equal or approximate fair value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsAndFederalFundsSold', window );">Cash and cash equivalents</a></td>
        <td class="nump">$ 21,264,000,000<span></span></td>
        <td class="nump">$ 19,486,000,000<span></span></td>
        <td class="nump">$ 22,286,000,000<span></span></td>
        <td class="nump">$ 22,250,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LiabilitiesCarriedAtOtherThanFairValueAbstract', window );"><strong>Financial liabilities carried at other than fair value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Certificates of deposit</a></td>
        <td class="nump">6,733,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term debt</a></td>
        <td class="nump">55,712,000,000<span></span></td>
        <td class="nump">55,330,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FairValuesTextualsAbstract', window );"><strong>Fair Values (Textuals) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableNet', window );">Accounts receivable, less reserves</a></td>
        <td class="nump">44,685,000,000<span></span></td>
        <td class="nump">43,777,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Card Member loans, net</a></td>
        <td class="nump">64,911,000,000<span></span></td>
        <td class="nump">65,977,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Variable Interest Enterprise [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LiabilitiesCarriedAtOtherThanFairValueAbstract', window );"><strong>Financial liabilities carried at other than fair value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term debt</a></td>
        <td class="nump">15,501,000,000<span></span></td>
        <td class="nump">18,690,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Carrying Value [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract', window );"><strong>Financial assets for which carrying values equal or approximate fair value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsAndFederalFundsSold', window );">Cash and cash equivalents</a></td>
        <td class="nump">21,000,000,000<span></span></td>
        <td class="nump">19,000,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssetsFairValueDisclosure', window );">Other financial assets</a></td>
        <td class="nump">48,000,000,000<span></span></td>
        <td class="nump">48,000,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AssetsCarriedAtOtherThanFairValueAbstract', window );"><strong>Financial assets carried at other than fair value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LoansNet', window );">Loans, net</a></td>
        <td class="nump">66,000,000,000<span></span></td>
        <td class="nump">67,000,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Financial Liabilities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue', window );">Financial liabilities for which carrying values equal or approximate fair value</a></td>
        <td class="nump">60,000,000,000<span></span></td>
        <td class="nump">60,000,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LiabilitiesCarriedAtOtherThanFairValueAbstract', window );"><strong>Financial liabilities carried at other than fair value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Certificates of deposit</a></td>
        <td class="nump">7,000,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term debt</a></td>
        <td class="nump">56,000,000,000<span></span></td>
        <td class="nump">55,000,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Estimate of Fair Value, Fair Value Disclosure [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract', window );"><strong>Financial assets for which carrying values equal or approximate fair value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsAndFederalFundsSold', window );">Cash and cash equivalents</a></td>
        <td class="nump">21,000,000,000<span></span></td>
        <td class="nump">19,000,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssetsFairValueDisclosure', window );">Other financial assets</a></td>
        <td class="nump">48,000,000,000<span></span></td>
        <td class="nump">48,000,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AssetsCarriedAtOtherThanFairValueAbstract', window );"><strong>Financial assets carried at other than fair value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LoansNet', window );">Loans, net</a></td>
        <td class="nump">66,000,000,000<span></span></td>
        <td class="nump">67,000,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Financial Liabilities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue', window );">Financial liabilities for which carrying values equal or approximate fair value</a></td>
        <td class="nump">60,000,000,000<span></span></td>
        <td class="nump">60,000,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LiabilitiesCarriedAtOtherThanFairValueAbstract', window );"><strong>Financial liabilities carried at other than fair value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Certificates of deposit</a></td>
        <td class="nump">7,000,000,000<span></span></td>
        <td class="nump">8,000,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term debt</a></td>
        <td class="nump">58,000,000,000<span></span></td>
        <td class="nump">58,000,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Estimate of Fair Value, Fair Value Disclosure [Member] | Variable Interest Enterprise [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LiabilitiesCarriedAtOtherThanFairValueAbstract', window );"><strong>Financial liabilities carried at other than fair value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term debt</a></td>
        <td class="nump">15,600,000,000<span></span></td>
        <td class="nump">18,800,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FairValuesTextualsAbstract', window );"><strong>Fair Values (Textuals) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableNet', window );">Accounts receivable, less reserves</a></td>
        <td class="nump">6,200,000,000<span></span></td>
        <td class="nump">7,300,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Card Member loans, net</a></td>
        <td class="nump">28,100,000,000<span></span></td>
        <td class="nump">31,000,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract', window );"><strong>Financial assets for which carrying values equal or approximate fair value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsAndFederalFundsSold', window );">Cash and cash equivalents</a></td>
        <td class="nump">20,000,000,000<span></span></td>
        <td class="nump">17,000,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssetsFairValueDisclosure', window );">Other financial assets</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AssetsCarriedAtOtherThanFairValueAbstract', window );"><strong>Financial assets carried at other than fair value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LoansNet', window );">Loans, net</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Financial Liabilities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue', window );">Financial liabilities for which carrying values equal or approximate fair value</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LiabilitiesCarriedAtOtherThanFairValueAbstract', window );"><strong>Financial liabilities carried at other than fair value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Certificates of deposit</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term debt</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Level 2 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract', window );"><strong>Financial assets for which carrying values equal or approximate fair value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsAndFederalFundsSold', window );">Cash and cash equivalents</a></td>
        <td class="nump">1,000,000,000<span></span></td>
        <td class="nump">2,000,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssetsFairValueDisclosure', window );">Other financial assets</a></td>
        <td class="nump">48,000,000,000<span></span></td>
        <td class="nump">48,000,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AssetsCarriedAtOtherThanFairValueAbstract', window );"><strong>Financial assets carried at other than fair value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LoansNet', window );">Loans, net</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Financial Liabilities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue', window );">Financial liabilities for which carrying values equal or approximate fair value</a></td>
        <td class="nump">60,000,000,000<span></span></td>
        <td class="nump">60,000,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LiabilitiesCarriedAtOtherThanFairValueAbstract', window );"><strong>Financial liabilities carried at other than fair value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Certificates of deposit</a></td>
        <td class="nump">7,000,000,000<span></span></td>
        <td class="nump">8,000,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term debt</a></td>
        <td class="nump">58,000,000,000<span></span></td>
        <td class="nump">58,000,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Level 3 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract', window );"><strong>Financial assets for which carrying values equal or approximate fair value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsAndFederalFundsSold', window );">Cash and cash equivalents</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssetsFairValueDisclosure', window );">Other financial assets</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AssetsCarriedAtOtherThanFairValueAbstract', window );"><strong>Financial assets carried at other than fair value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LoansNet', window );">Loans, net</a></td>
        <td class="nump">66,000,000,000<span></span></td>
        <td class="nump">67,000,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Financial Liabilities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue', window );">Financial liabilities for which carrying values equal or approximate fair value</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LiabilitiesCarriedAtOtherThanFairValueAbstract', window );"><strong>Financial liabilities carried at other than fair value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Certificates of deposit</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term debt</a></td>
        <td class="nump">$ 0<span></span></td>
        <td class="nump">$ 0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_AssetsCarriedAtOtherThanFairValueAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_AssetsCarriedAtOtherThanFairValueAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_FairValuesTextualsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_FairValuesTextualsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_FinancialInstrumentsAssetsWhichCarryingValuesEqualOrApproximateFairValueAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financial liabilities for which carrying values equal or approximate fair value include accrued interest, customer deposits (excluding certificates of deposit), Travelers Cheques outstanding, short-term borrowings, and certain other liabilities for which the carrying values approximate fair value because they are short-term in duration, variable rate in nature, or have no defined maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_FinancialInstrumentsLiabilitiesWhichCarryingValuesEqualOrApproximateFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_LiabilitiesCarriedAtOtherThanFairValueAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_LiabilitiesCarriedAtOtherThanFairValueAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_LoansNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents cardmember and other loans, less reserves.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_LoansNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsReceivableNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, the amount due from customers or clients for goods or services that have been delivered or sold in the normal course of business, reduced to their estimated net realizable fair value by an allowance established by the entity of the amount it deems uncertain of collection.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.9)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsReceivableNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashCashEquivalentsAndFederalFundsSold">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of cash and cash equivalents plus Federal Funds Sold. Cash and cash equivalents consist of short term, highly liquid investments that are readily convertible to known amounts of cash and are so near their maturity that they present negligible risk of changes in value due to changes in interest rates -- usually with an original maturity less than 90 days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.1,2,3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashCashEquivalentsAndFederalFundsSold</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetReportedAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount of long-term debt, net of unamortized discount or premium, including current and noncurrent amounts. Includes, but not limited to, notes payable, bonds payable, debentures, mortgage loans and commercial paper. Excludes capital lease obligations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 16<br><br> -Article 7<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 16<br><br> -Article 9<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 20, 22<br><br> -Article 5<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LongTermDebt</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssetsFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value portion of other assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherAssetsFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deposits that cannot be withdrawn before a set date without penalty or for which notice of withdrawal is required. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>18
<FILENAME>R55.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EDCBG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Investment Securities (Details 2) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014

</div>
          <div>securities</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013

</div>
          <div>securities</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract', window );"><strong>Available For Sale Securities Continuous Unrealized Loss Position Qualitative Disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear', window );">Number of securities, less than 12 months</a></td>
        <td class="nump">6<span></span></td>
        <td class="nump">241<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear', window );">Number of securities, 12 months or more</a></td>
        <td class="nump">17<span></span></td>
        <td class="nump">11<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1', window );">Number of securities, total</a></td>
        <td class="nump">23<span></span></td>
        <td class="nump">252<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract', window );"><strong>Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Estimated Fair Value, Less than 12 months</a></td>
        <td class="nump">$ 127<span></span></td>
        <td class="nump">$ 1,759<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Estimated Fair Value, 12 months or more</a></td>
        <td class="nump">104<span></span></td>
        <td class="nump">123<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Estimated Fair Value, Total</a></td>
        <td class="nump">231<span></span></td>
        <td class="nump">1,882<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract', window );"><strong>Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses', window );">Gross Unrealized Losses, Less than 12 months</a></td>
        <td class="num">(1)<span></span></td>
        <td class="num">(67)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses', window );">Gross Unrealized Losses, 12 months or more</a></td>
        <td class="num">(4)<span></span></td>
        <td class="num">(17)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses', window );">Gross Unrealized Losses, Total</a></td>
        <td class="num">(5)<span></span></td>
        <td class="num">(84)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Ratio Of Fair Value To Amortized Cost Between Ninety And One Hundred Percent [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract', window );"><strong>Available For Sale Securities Continuous Unrealized Loss Position Qualitative Disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear', window );">Number of securities, less than 12 months</a></td>
        <td class="nump">6<span></span></td>
        <td class="nump">228<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear', window );">Number of securities, 12 months or more</a></td>
        <td class="nump">17<span></span></td>
        <td class="nump">6<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1', window );">Number of securities, total</a></td>
        <td class="nump">23<span></span></td>
        <td class="nump">234<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract', window );"><strong>Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Estimated Fair Value, Less than 12 months</a></td>
        <td class="nump">127<span></span></td>
        <td class="nump">1,665<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Estimated Fair Value, 12 months or more</a></td>
        <td class="nump">104<span></span></td>
        <td class="nump">24<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Estimated Fair Value, Total</a></td>
        <td class="nump">231<span></span></td>
        <td class="nump">1,689<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract', window );"><strong>Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses', window );">Gross Unrealized Losses, Less than 12 months</a></td>
        <td class="num">(1)<span></span></td>
        <td class="num">(53)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses', window );">Gross Unrealized Losses, 12 months or more</a></td>
        <td class="num">(4)<span></span></td>
        <td class="num">(2)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses', window );">Gross Unrealized Losses, Total</a></td>
        <td class="num">(5)<span></span></td>
        <td class="num">(55)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Ratio Of Fair Value To Amortized Cost Less Than Ninety Percent [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract', window );"><strong>Available For Sale Securities Continuous Unrealized Loss Position Qualitative Disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear', window );">Number of securities, less than 12 months</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">13<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear', window );">Number of securities, 12 months or more</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">5<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1', window );">Number of securities, total</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">18<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract', window );"><strong>Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Estimated Fair Value, Less than 12 months</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">94<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Estimated Fair Value, 12 months or more</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">99<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Estimated Fair Value, Total</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">193<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract', window );"><strong>Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses', window );">Gross Unrealized Losses, Less than 12 months</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(14)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses', window );">Gross Unrealized Losses, 12 months or more</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(15)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses', window );">Gross Unrealized Losses, Total</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">$ (29)<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of unrealized loss on securities classified as available-for-sale that have been in a loss position for twelve months or longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of unrealized loss on securities classified as available-for-sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the aggregate fair value of investments in debt and equity securities in an unrealized loss position which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of unrealized loss on investments in available-for-sale securities that have been in a loss position for less than twelve months.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27337-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the aggregate fair value of investments in debt and equity securities categorized neither as held-to-maturity nor trading securities that have been in a continuous unrealized loss position for less than twelve months.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27337-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionQualitativeDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the aggregate fair value of investments in debt and equity securities categorized neither as held-to-maturity nor trading securities that have been in a continuous unrealized loss position for twelve months or longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27337-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of investment positions in available-for-sale investments in a continuous unrealized loss position for which an other-than-temporary impairment (OTTI) has not been recognized in the income statement.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (b)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of investment positions in available-for-sale investments that have been in a continuous unrealized loss position for greater than or equal to a year for which an other-than-temporary impairment (OTTI) has not been recognized in the income statement.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of investment positions in available-for-sale investments in a continuous unrealized loss position for less than one year or normal operating cycle, if longer, for which an other-than-temporary impairment (OTTI) has not been recognized in the income statement.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>19
<FILENAME>R78.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ENNAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Non-Interest Revenue and Expense Detail (Details 1) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract', window );"><strong>Details Of Certain Statements Of Income Lines Details [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_GlobalNetworkServicesPartnerRevenues', window );">Global Network Services partner revenues</a></td>
        <td class="nump">$ 173<span></span></td>
        <td class="nump">$ 171<span></span></td>
        <td class="nump">$ 513<span></span></td>
        <td class="nump">$ 466<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossNet', window );">Net gain on investment securities</a></td>
        <td class="nump">20<span></span></td>
        <td class="nump">37<span></span></td>
        <td class="nump">100<span></span></td>
        <td class="nump">102<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherRevenues', window );">Other revenues</a></td>
        <td class="nump">400<span></span></td>
        <td class="nump">393<span></span></td>
        <td class="nump">1,066<span></span></td>
        <td class="nump">1,137<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeOtherOperatingIncome', window );">Total other revenues</a></td>
        <td class="nump">$ 593<span></span></td>
        <td class="nump">$ 601<span></span></td>
        <td class="nump">$ 1,679<span></span></td>
        <td class="nump">$ 1,705<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_GlobalNetworkServicesPartnerRevenues">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents revenues received from Global Network Service partners on use of the American Express brand name.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_GlobalNetworkServicesPartnerRevenues</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_OtherRevenues">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents revenues from miscellaneous items within other revenues not previously classified.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_OtherRevenues</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the difference between the gross realized gains and losses realized on the sale of debt or equity securities categorized neither as held-to-maturity nor trading securities. Additionally, this item would include any losses recognized for other than temporary impairments (OTTI) of the subject investments in debt and equity securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27357-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncomeOtherOperatingIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents other forms of revenue earned, excluding interest, which is not otherwise specified in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestIncomeOtherOperatingIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>20
<FILENAME>R46.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ETVAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Accounts Receivable and Loans (Details 6) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014

</div>
          <div>Account</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013

</div>
          <div>Account</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014

</div>
          <div>Account</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013

</div>
          <div>Account</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AccountsReceivableAndLoansTextualsAbstract', window );"><strong>Accounts Receivable and Loans Textuals [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FinancingReceivableModificationsDifferencePreAndPostModificationRecordedInvestment', window );">Difference between pre- and post-modification outstanding balances</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 4<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U S Card Services [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modifications [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts2', window );">Number of Accounts</a></td>
        <td class="nump">15,000<span></span></td>
        <td class="nump">16,000<span></span></td>
        <td class="nump">46,000<span></span></td>
        <td class="nump">63,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Aggregated Outstanding Balance</a></td>
        <td class="nump">124<span></span></td>
        <td class="nump">140<span></span></td>
        <td class="nump">390<span></span></td>
        <td class="nump">561<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Card Member Loans [Member] | U S Card Services [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modifications [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts2', window );">Number of Accounts</a></td>
        <td class="nump">11,000<span></span></td>
        <td class="nump">12,000<span></span></td>
        <td class="nump">35,000<span></span></td>
        <td class="nump">47,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Aggregated Outstanding Balance</a></td>
        <td class="nump">83<span></span></td>
        <td class="nump">91<span></span></td>
        <td class="nump">261<span></span></td>
        <td class="nump">357<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AverageInterestRateReductionByClassOfCardmemberLoan', window );">Average basis point reduction in interest rate by class of Card Member loans</a></td>
        <td class="nump">9.00%<span></span></td>
        <td class="nump">10.00%<span></span></td>
        <td class="nump">11.00%<span></span></td>
        <td class="nump">11.00%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Card Member Receivables [Member] | U S Card Services [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modifications [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts2', window );">Number of Accounts</a></td>
        <td class="nump">4,000<span></span></td>
        <td class="nump">4,000<span></span></td>
        <td class="nump">11,000<span></span></td>
        <td class="nump">16,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Aggregated Outstanding Balance</a></td>
        <td class="nump">$ 41<span></span></td>
        <td class="nump">$ 49<span></span></td>
        <td class="nump">$ 129<span></span></td>
        <td class="nump">$ 204<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AveragePaymentTermExtension', window );">Average payment term extension</a></td>
        <td class="nump">12<span></span></td>
        <td class="nump">12<span></span></td>
        <td class="nump">12<span></span></td>
        <td class="nump">12<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_AccountsReceivableAndLoansTextualsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_AccountsReceivableAndLoansTextualsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_AverageInterestRateReductionByClassOfCardmemberLoan">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The average basis point reduction in interest rate by class of cardmember loan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_AverageInterestRateReductionByClassOfCardmemberLoan</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_AveragePaymentTermExtension">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The average period for payment term extension for cardmember receivables modified in a TDR.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_AveragePaymentTermExtension</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_FinancingReceivableModificationsDifferencePreAndPostModificationRecordedInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Difference between pre-modification and post-modification amounts of investment in financing receivables modified by troubled debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_FinancingReceivableModificationsDifferencePreAndPostModificationRecordedInvestment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableModificationsLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsNumberOfContracts2">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of financing receivables that have been modified by troubled debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 33<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953676-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableModificationsNumberOfContracts2</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Post-modification amount of investment in financing receivables modified by troubled debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 33<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953676-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>21
<FILENAME>R33.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E2F">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Fair Values (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FairValuesTablesAbstract', window );"><strong>Fair Values (Tables) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock', window );">Fair value assets and liabilities measured on recurring basis</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >The following table summarizes the Company&#8217;s financial assets and financial liabilities measured at fair value on a recurring basis, categorized by GAAP&#8217;s valuation hierarchy, as of </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >December 31</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:89.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:89.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='11' rowspan='1' style='width:174pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:174pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='11' rowspan='1' style='width:174pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:174pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:104.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level&#160;1</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level 2</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level 3</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level&#160;1</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level 2</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level 3</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Assets:</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:104.25pt;text-align:left;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Investment securities:</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:96.75pt;text-align:left;border-color:Black;min-width:96.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Equity securities</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 124 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 124 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:96.75pt;text-align:left;border-color:Black;min-width:96.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Debt securities and other</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 4,749 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 349 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 4,400 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 4,892 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 320 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 4,572 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:104.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Derivatives</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 822 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 822 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 701 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 701 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total assets</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 5,572 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 350 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 5,222 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 5,717 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 444 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 5,273 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Liabilities:</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:104.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Derivatives</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 246 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 246 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 213 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 213 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total liabilities</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 246 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</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;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 246 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</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;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 213 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</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;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 213 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</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;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;line-height:12pt;' ></p><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Refer to Note </font><font style='font-family:Times New Roman;font-size:8pt;' >5 </font><font style='font-family:Times New Roman;font-size:8pt;' >for </font><font style='font-family:Times New Roman;font-size:8pt;' >the fair values of investment securities and to Note 8 for the fair values of derivative assets and liabilities, on a further disaggregated basis</font><font style='font-family:Times New Roman;font-size:8pt;' >.</font><font style='font-family:Times New Roman;font-size:8pt;' > </font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByBalanceSheetGroupingTextBlock', window );">Estimated fair value of financial assets and financial liabilities</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table discloses the estimated fair </font><font style='font-family:Times New Roman;font-size:11pt;' >value for the Company&#8217;s financial assets and financial liabilities that are not </font><font style='font-family:Times New Roman;font-size:11pt;' >required to be </font><font style='font-family:Times New Roman;font-size:11pt;' >carried at fair value</font><font style='font-family:Times New Roman;font-size:11pt;' > on a recurring basis</font><font style='font-family:Times New Roman;font-size:11pt;' >, as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >. </font><font style='font-family:Times New Roman;font-size:11pt;' >The fair values of these financial instruments are estimates based </font><font style='font-family:Times New Roman;font-size:11pt;' >upon the market conditions and perceived risks as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >, and require management judgment. These figures may not be indicative of their future fair values. The fair value of the Company cannot be reliably estimated by</font><font style='font-family:Times New Roman;font-size:11pt;' > aggregating the amounts presented.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:176.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Carrying</font></td><td colspan='1' rowspan='2' style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td colspan='10' rowspan='1' style='width:202.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Corresponding Fair Value Amount</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:195pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:195pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2014 </font><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' >(Billions)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Value</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level 1</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level 2</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level 3</font></td></tr><tr style='height:8.25pt;' ><td colspan='4' rowspan='1' style='width:195pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:195pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Financial Assets:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Financial assets for which carrying values </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >equal or approximate fair value</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Cash and cash equivalents</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 21 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 21 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 20 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Other financial assets</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 48 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 48 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 48 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td></tr><tr style='height:11.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Financial assets carried at other than fair value</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Loans, net</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 66 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 66 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(c)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 66 </font></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td colspan='4' rowspan='1' style='width:195pt;text-align:left;border-color:Black;min-width:195pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Financial Liabilities:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Financial liabilities for which carrying values </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >equal or approximate fair value</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 60 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 60 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 60 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Financial liabilities carried at other than</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > fair value</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Certificates of deposit</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(d)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 7 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 7 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 7 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:176.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Long-term debt</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 56 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 58 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(c)</font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 58 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td style='width:3.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:176.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:176.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Carrying</font></td><td colspan='1' rowspan='2' style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='10' rowspan='1' style='width:202.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Corresponding Fair Value Amount</font></td></tr><tr style='height:8.25pt;' ><td colspan='4' rowspan='1' style='width:195pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:195pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2013 </font><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' >(Billions)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Value</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level 1</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level 2</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level 3</font></td></tr><tr style='height:9.75pt;' ><td colspan='4' rowspan='1' style='width:195pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:195pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Financial Assets:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Financial assets for which carrying values </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >equal or approximate fair value</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Cash and cash equivalents</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 19 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 19 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 17 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 2 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Other financial assets</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 48 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 48 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 48 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Financial assets carried at other than fair value</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:12pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Loans, net</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 67 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 67 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(c)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 67 </font></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td colspan='4' rowspan='1' style='width:195pt;text-align:left;border-color:Black;min-width:195pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Financial Liabilities:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Financial liabilities for which carrying values</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >equal or approximate fair value</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 60 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 60 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 60 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Financial liabilities carried at other than </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >fair value</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Certificates of deposit</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(d)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 7 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 8 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 8 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:176.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Long-term debt</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 55 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 58 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(c)</font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 58 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times;font-size:8pt;' >Reflects time deposits.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Includes accounts receivable (including fair values of Card Member receivables of </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >6.2</font><font style='font-family:Times New Roman;font-size:8pt;' > billion and </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >7.3</font><font style='font-family:Times New Roman;font-size:8pt;' > billion held by consolidated VIEs as of </font><font style='font-family:Times New Roman;font-size:8pt;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;' >, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, respectively),</font><font style='font-family:Times New Roman;font-size:8pt;' > restricted cash and other miscellaneous assets.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Includes fair values of loans of </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >28.1</font><font style='font-family:Times New Roman;font-size:8pt;' > billion and </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >31.0</font><font style='font-family:Times New Roman;font-size:8pt;' > billion, and long-term debt of </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >15.6</font><font style='font-family:Times New Roman;font-size:8pt;' > billion and </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >18.8</font><font style='font-family:Times New Roman;font-size:8pt;' > billion held by consolidated VIEs as of </font><font style='font-family:Times New Roman;font-size:8pt;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;' >,</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and Dec</font><font style='font-family:Times New Roman;font-size:8pt;' >ember 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, respectively.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Presented as a component of customer deposits on the Consolidated Balance Sheets. </font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_FairValuesTablesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_FairValuesTablesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByBalanceSheetGroupingTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the fair value of financial instruments, including financial assets and financial liabilities, and the measurements of those instruments, assets, and liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25499696&amp;loc=d3e19207-110258<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13433-108611<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13467-108611<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13476-108611<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 30<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957238&amp;loc=d3e14172-108612<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6447952&amp;loc=d3e13220-108610<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FairValueByBalanceSheetGroupingTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of assets and liabilities, including [financial] instruments measured at fair value that are classified in stockholders' equity, if any, that are measured at fair value on a recurring basis. The disclosures contemplated herein include the fair value measurements at the reporting date by the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25499696&amp;loc=d3e19190-110258<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>22
<FILENAME>R79.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ENNAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Non-Interest Revenue and Expense Detail (Details 2) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract', window );"><strong>Details Of Certain Statements Of Income Lines Details [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_MarketingAndPromotion', window );">Marketing and promotion</a></td>
        <td class="nump">$ 809<span></span></td>
        <td class="nump">$ 827<span></span></td>
        <td class="nump">$ 2,407<span></span></td>
        <td class="nump">$ 2,234<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_CardmemberRewards', window );">Card Member rewards</a></td>
        <td class="nump">1,695<span></span></td>
        <td class="nump">1,619<span></span></td>
        <td class="nump">5,050<span></span></td>
        <td class="nump">4,740<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_CardmemberServices', window );">Card Member services and other</a></td>
        <td class="nump">205<span></span></td>
        <td class="nump">197<span></span></td>
        <td class="nump">619<span></span></td>
        <td class="nump">579<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_MarketingPromotionRewardsAndCardmemberServices', window );">Total marketing, promotion, rewards, Card Member services and other</a></td>
        <td class="nump">$ 2,709<span></span></td>
        <td class="nump">$ 2,643<span></span></td>
        <td class="nump">$ 8,076<span></span></td>
        <td class="nump">$ 7,553<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_CardmemberRewards">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the costs of rewards programs (including Membership Rewards).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_CardmemberRewards</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_CardmemberServices">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents protection plans and complimentary services provided to cardmembers.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_CardmemberServices</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_MarketingAndPromotion">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents advertising costs, which are expensed in the year in which the advertising first takes place.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_MarketingAndPromotion</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_MarketingPromotionRewardsAndCardmemberServices">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Marketing and promotion expense includes advertising costs. Cardmember rewards expense includes the costs of rewards programs (including Membership Rewards). Cardmember services expense includes protection plans and complimentary services provided to cardmembers.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_MarketingPromotionRewardsAndCardmemberServices</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>23
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	word-wrap: break-word;
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>24
<FILENAME>R73.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ERGAI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Changes in Accumulated Other Comprehensive (Loss) Income (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract', window );"><strong>Changes in Other Comprehensive income</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Balances as of start of period</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">$ (1,426,000,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent', window );">Pension and other postretirement benefit gains</a></td>
        <td class="num">(7,000,000)<span></span></td>
        <td class="num">(6,000,000)<span></span></td>
        <td class="num">(48,000,000)<span></span></td>
        <td class="num">(60,000,000)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Balances as of end of period</a></td>
        <td class="num">(1,542,000,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(1,542,000,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Accumulated Other Comprehensive (Loss) Income [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract', window );"><strong>Changes in Other Comprehensive income</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Balances as of start of period</a></td>
        <td class="num">(1,371,000,000)<span></span></td>
        <td class="num">(1,308,000,000)<span></span></td>
        <td class="num">(1,426,000,000)<span></span></td>
        <td class="num">(927,000,000)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax', window );">Net unrealized gains (losses)</a></td>
        <td class="nump">2,000,000<span></span></td>
        <td class="num">(25,000,000)<span></span></td>
        <td class="nump">102,000,000<span></span></td>
        <td class="num">(141,000,000)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax', window );">Increase (decrease) due to amounts reclassified into earnings</a></td>
        <td class="num">(12,000,000)<span></span></td>
        <td class="num">(23,000,000)<span></span></td>
        <td class="num">(66,000,000)<span></span></td>
        <td class="num">(69,000,000)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease', window );">Net translation gain (losses) of investments in foreign operations</a></td>
        <td class="num">(414,000,000)<span></span></td>
        <td class="nump">134,000,000<span></span></td>
        <td class="num">(313,000,000)<span></span></td>
        <td class="num">(422,000,000)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax', window );">Net (losses) gains related to hedges of investment in foreign operations</a></td>
        <td class="nump">246,000,000<span></span></td>
        <td class="num">(123,000,000)<span></span></td>
        <td class="nump">113,000,000<span></span></td>
        <td class="nump">160,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent', window );">Pension and other postretirement benefit gains</a></td>
        <td class="nump">7,000,000<span></span></td>
        <td class="nump">6,000,000<span></span></td>
        <td class="nump">48,000,000<span></span></td>
        <td class="nump">60,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherComprehensiveIncomeNetChangeNetOfTax', window );">Net change in accumulated other comprehensive income (loss)</a></td>
        <td class="num">(171,000,000)<span></span></td>
        <td class="num">(31,000,000)<span></span></td>
        <td class="num">(116,000,000)<span></span></td>
        <td class="num">(412,000,000)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Balances as of end of period</a></td>
        <td class="num">(1,542,000,000)<span></span></td>
        <td class="num">(1,339,000,000)<span></span></td>
        <td class="num">(1,542,000,000)<span></span></td>
        <td class="num">(1,339,000,000)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Net Unrealized Investment Gains (Losses) on Investment Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract', window );"><strong>Changes in Other Comprehensive income</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Balances as of start of period</a></td>
        <td class="nump">105,000,000<span></span></td>
        <td class="nump">153,000,000<span></span></td>
        <td class="nump">63,000,000<span></span></td>
        <td class="nump">315,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax', window );">Net unrealized gains (losses)</a></td>
        <td class="nump">2,000,000<span></span></td>
        <td class="num">(25,000,000)<span></span></td>
        <td class="nump">102,000,000<span></span></td>
        <td class="num">(141,000,000)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax', window );">Increase (decrease) due to amounts reclassified into earnings</a></td>
        <td class="num">(13,000,000)<span></span></td>
        <td class="num">(23,000,000)<span></span></td>
        <td class="num">(71,000,000)<span></span></td>
        <td class="num">(69,000,000)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherComprehensiveIncomeNetChangeNetOfTax', window );">Net change in accumulated other comprehensive income (loss)</a></td>
        <td class="num">(11,000,000)<span></span></td>
        <td class="num">(48,000,000)<span></span></td>
        <td class="nump">31,000,000<span></span></td>
        <td class="num">(210,000,000)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Balances as of end of period</a></td>
        <td class="nump">94,000,000<span></span></td>
        <td class="nump">105,000,000<span></span></td>
        <td class="nump">94,000,000<span></span></td>
        <td class="nump">105,000,000<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Foreign Currency Translation Adjustments [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract', window );"><strong>Changes in Other Comprehensive income</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Balances as of start of period</a></td>
        <td class="num">(1,118,000,000)<span></span></td>
        <td class="num">(1,027,000,000)<span></span></td>
        <td class="num">(1,090,000,000)<span></span></td>
        <td class="num">(754,000,000)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax', window );">Increase (decrease) due to amounts reclassified into earnings</a></td>
        <td class="nump">1,000,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">5,000,000<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease', window );">Net translation gain (losses) of investments in foreign operations</a></td>
        <td class="num">(414,000,000)<span></span></td>
        <td class="nump">134,000,000<span></span></td>
        <td class="num">(313,000,000)<span></span></td>
        <td class="num">(422,000,000)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax', window );">Net (losses) gains related to hedges of investment in foreign operations</a></td>
        <td class="nump">246,000,000<span></span></td>
        <td class="num">(123,000,000)<span></span></td>
        <td class="nump">113,000,000<span></span></td>
        <td class="nump">160,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherComprehensiveIncomeNetChangeNetOfTax', window );">Net change in accumulated other comprehensive income (loss)</a></td>
        <td class="num">(167,000,000)<span></span></td>
        <td class="nump">11,000,000<span></span></td>
        <td class="num">(195,000,000)<span></span></td>
        <td class="num">(262,000,000)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Balances as of end of period</a></td>
        <td class="num">(1,285,000,000)<span></span></td>
        <td class="num">(1,016,000,000)<span></span></td>
        <td class="num">(1,285,000,000)<span></span></td>
        <td class="num">(1,016,000,000)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Net Unrealized Pension and Other Postretirement Benefit Losses [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract', window );"><strong>Changes in Other Comprehensive income</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Balances as of start of period</a></td>
        <td class="num">(358,000,000)<span></span></td>
        <td class="num">(434,000,000)<span></span></td>
        <td class="num">(399,000,000)<span></span></td>
        <td class="num">(488,000,000)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent', window );">Pension and other postretirement benefit gains</a></td>
        <td class="nump">7,000,000<span></span></td>
        <td class="nump">6,000,000<span></span></td>
        <td class="nump">48,000,000<span></span></td>
        <td class="nump">60,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherComprehensiveIncomeNetChangeNetOfTax', window );">Net change in accumulated other comprehensive income (loss)</a></td>
        <td class="nump">7,000,000<span></span></td>
        <td class="nump">6,000,000<span></span></td>
        <td class="nump">48,000,000<span></span></td>
        <td class="nump">60,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Balances as of end of period</a></td>
        <td class="num">$ (351,000,000)<span></span></td>
        <td class="num">$ (428,000,000)<span></span></td>
        <td class="num">$ (351,000,000)<span></span></td>
        <td class="num">$ (428,000,000)<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Adjustment that results from the process of translating subsidiary financial statements and foreign equity investments into functional currency of the reporting entity, net of tax.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_OtherComprehensiveIncomeNetChangeNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount represents the net change in other comprehensive income (loss) during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_OtherComprehensiveIncomeNetChangeNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the gains and losses, net of tax, associated with the Company's hedges of investment in foreign operations that has been included in a separate component of shareholders' equity during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_OtherComprehensiveIncomeNetGainsLossesRelatedToHedgesOfInvestmentInForeignOperationsNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total net unrealized holding gain/loss that has been included as a separate component of other comprehensive income (loss) during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_OtherComprehensiveIncomeNetUnrealizedGainsLossesNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total realized gain/ loss that has been included as a separate component of shareholders' equity during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669686-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e637-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e681-108580<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 31<br><br> -Article 5<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax and reclassification adjustments, of (increase) decrease in accumulated other comprehensive (income) loss related to pension and other postretirement defined benefit plans, attributable to parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>25
<FILENAME>R57.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E4NAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Investment Securities (Details Textuals) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_InvestmentSecuritiesDetailsAbstract', window );"><strong>Investment Securities (Details) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MarketableSecuritiesRealizedGainLossOtherThanTemporaryImpairmentsAmount', window );">Other-than-temporary impairments recognized during the period</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossRealizedGains', window );">Gain on sale of securities</a></td>
        <td class="nump">20<span></span></td>
        <td class="nump">37<span></span></td>
        <td class="nump">100<span></span></td>
        <td class="nump">102<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses', window );">Losses on sale of securities</a></td>
        <td class="nump">$ 0<span></span></td>
        <td class="nump">$ 0<span></span></td>
        <td class="nump">$ 0<span></span></td>
        <td class="nump">$ 0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_InvestmentSecuritiesDetailsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_InvestmentSecuritiesDetailsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesGrossRealizedGains">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the gross profit realized on the sale of debt or equity securities categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27357-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesGrossRealizedGains</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the gross loss realized on the sale of debt or equity securities categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27357-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MarketableSecuritiesRealizedGainLossOtherThanTemporaryImpairmentsAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the amount of loss recognized for other than temporary impairments (OTTI) of investments in debt and equity securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 5.M)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27011274&amp;loc=d3e87990-122713<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_MarketableSecuritiesRealizedGainLossOtherThanTemporaryImpairmentsAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>26
<FILENAME>R76.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EPWAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Earnings Per Common Share (EPS) (Details) (USD $)<br>In Millions, except Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAbstract', window );"><strong>Basic and diluted:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">$ 1,477<span></span></td>
        <td class="nump">$ 1,366<span></span></td>
        <td class="nump">$ 4,438<span></span></td>
        <td class="nump">$ 4,051<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits', window );">Earnings allocated to participating share awards</a></td>
        <td class="num">(11)<span></span></td>
        <td class="num">(12)<span></span></td>
        <td class="num">(35)<span></span></td>
        <td class="num">(36)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_NetIncomeAttributableToCommonShareholders', window );">Net income attributable to common shareholders</a></td>
        <td class="nump">1,466<span></span></td>
        <td class="nump">1,354<span></span></td>
        <td class="nump">4,403<span></span></td>
        <td class="nump">4,015<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract', window );"><strong>Denominator:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Basic</a></td>
        <td class="nump">1,041,000,000<span></span></td>
        <td class="nump">1,074,000,000<span></span></td>
        <td class="nump">1,051,000,000<span></span></td>
        <td class="nump">1,087,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants', window );">Add: Weighted-average stock options</a></td>
        <td class="nump">6,000,000<span></span></td>
        <td class="nump">7,000,000<span></span></td>
        <td class="nump">6,000,000<span></span></td>
        <td class="nump">7,000,000<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Diluted</a></td>
        <td class="nump">1,047,000,000<span></span></td>
        <td class="nump">1,081,000,000<span></span></td>
        <td class="nump">1,057,000,000<span></span></td>
        <td class="nump">1,094,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasicAbstract', window );"><strong>Earnings Per Common Share, Basic [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare', window );">Income from continuing operations attributable to common shareholders</a></td>
        <td class="nump">$ 1.41<span></span></td>
        <td class="nump">$ 1.26<span></span></td>
        <td class="nump">$ 4.19<span></span></td>
        <td class="nump">$ 3.69<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDilutedAbstract', window );"><strong>Earnings Per Common Share, Diluted [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare', window );">Income from continuing operations attributable to common shareholders</a></td>
        <td class="nump">$ 1.4<span></span></td>
        <td class="nump">$ 1.25<span></span></td>
        <td class="nump">$ 4.17<span></span></td>
        <td class="nump">$ 3.67<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_EarningsPerCommonShareEpsTextualsAbstract', window );"><strong>Earnings Per Common Share (Textuals) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConvertibleSubordinatedDebt', window );">Subordinated debentures</a></td>
        <td class="nump">$ 750<span></span></td>
        <td class="nump">$ 750<span></span></td>
        <td class="nump">$ 750<span></span></td>
        <td class="nump">$ 750<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_SubordinatedDebtIssuanceYear', window );">Subordinated debt issuance year</a></td>
        <td class="text">2006<span></span></td>
        <td class="text">2006<span></span></td>
        <td class="text">2006<span></span></td>
        <td class="text">2006<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_SubordinatedDebtMaturityYear', window );">Subordinated debt maturity year</a></td>
        <td class="text">2036<span></span></td>
        <td class="text">2036<span></span></td>
        <td class="text">2036<span></span></td>
        <td class="text">2036<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Stock options [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems', window );"><strong>Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount', window );">Antidilutive securities excluded from computation of earnings per Share, amount</a></td>
        <td class="nump">200,000<span></span></td>
        <td class="nump">100,000<span></span></td>
        <td class="nump">200,000<span></span></td>
        <td class="nump">200,000<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_EarningsPerCommonShareEpsTextualsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_EarningsPerCommonShareEpsTextualsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_NetIncomeAttributableToCommonShareholders">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents net income attributable to common shareholders for basic and diluted earnings per share.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_NetIncomeAttributableToCommonShareholders</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_SubordinatedDebtIssuanceYear">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Year when subordinated debt has been issued</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_SubordinatedDebtIssuanceYear</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:gYearItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_SubordinatedDebtMaturityYear">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Year when subordinated debt will mature</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_SubordinatedDebtMaturityYear</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:gYearItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of increase (decrease) to net income used for calculating diluted earnings per share (EPS), resulting from the assumed exercise of stock options or restrictive stock units (RSUs).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Securities (including those issuable pursuant to contingent stock agreements) that could potentially dilute basic earnings per share (EPS) or earnings per unit (EPU) in the future that were not included in the computation of diluted EPS or EPU because to do so would increase EPS or EPU amounts or decrease loss per share or unit amounts for the period presented.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Antidilution<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6505113<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Diluted Earnings Per Share<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510752<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Contingent Stock Agreement<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6508534<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ConvertibleSubordinatedDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Including the current and noncurrent portions, the carrying value of convertible subordinated debt, as of the balance sheet date, initially scheduled to be repaid after one year or beyond the normal operating cycle if longer. This form of debt can be exchanged for a specified amount of another security, typically the entity's common stock, at the option of the issuer or the holder, and places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 16<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX210.5-02.22))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Article 5<br><br> -Subsection 20, 22<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ConvertibleSubordinatedDebt</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasicAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareBasicAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDilutedAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareDilutedAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) from continuing operations per each share of common stock or unit outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.23)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 18<br><br> -Article 7<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 20<br><br> -Article 5<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsPerBasicShare</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) derived from continuing operations during the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 18<br><br> -Article 7<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 20<br><br> -Article 5<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Additional shares included in the calculation of diluted EPS as a result of the potentially dilutive effect of call options and warrants using the treasury stock method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Warrant<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6528364<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 23<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1757-109256<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Treasury Stock Method<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6527216<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Call Option<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506649<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e565-108580<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLossAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLossAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 16<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1505-109256<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1448-109256<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Weighted-Average Number of Common Shares Outstanding<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6528421<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>27
<FILENAME>R81.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ECG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Contingencies (Details Textuals) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingencyEstimateAbstract', window );"><strong>Contingencies (Textuals) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingencyRangeOfPossibleLossMinimum', window );">Range of possible loss, minimum</a></td>
        <td class="nump">$ 0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingencyRangeOfPossibleLossMaximum', window );">Range of possible loss, maximum</a></td>
        <td class="nump">$ 350<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LossContingencyEstimateAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LossContingencyEstimateAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LossContingencyRangeOfPossibleLossMaximum">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The estimated maximum amount of possible loss from the contingency.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25496072&amp;loc=d3e14435-108349<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25496072&amp;loc=d3e14557-108349<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LossContingencyRangeOfPossibleLossMaximum</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LossContingencyRangeOfPossibleLossMinimum">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The estimated minimum amount of possible loss from the contingency.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25496072&amp;loc=d3e14435-108349<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25496072&amp;loc=d3e14557-108349<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LossContingencyRangeOfPossibleLossMinimum</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>28
<FILENAME>R77.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ESDAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Non-Interest Revenue and Expense Detail (Details) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract', window );"><strong>Details Of Certain Statements Of Income Lines Details [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ForeignCurrencyGainLoss', window );">Foreign currency conversion fee revenue</a></td>
        <td class="nump">$ 225<span></span></td>
        <td class="nump">$ 223<span></span></td>
        <td class="nump">$ 665<span></span></td>
        <td class="nump">$ 655<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DelinquencyFees', window );">Delinquency fees</a></td>
        <td class="nump">184<span></span></td>
        <td class="nump">172<span></span></td>
        <td class="nump">539<span></span></td>
        <td class="nump">503<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LoyaltyPartnerRelatedFees', window );">Loyalty Partner-related fees</a></td>
        <td class="nump">100<span></span></td>
        <td class="nump">74<span></span></td>
        <td class="nump">286<span></span></td>
        <td class="nump">221<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ServiceFees', window );">Service fees</a></td>
        <td class="nump">94<span></span></td>
        <td class="nump">97<span></span></td>
        <td class="nump">274<span></span></td>
        <td class="nump">273<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherCommissionsAndFees', window );">Other commissions and fees</a></td>
        <td class="nump">39<span></span></td>
        <td class="nump">44<span></span></td>
        <td class="nump">120<span></span></td>
        <td class="nump">136<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FeesAndCommissionsOther', window );">Total other commissions and fees</a></td>
        <td class="nump">$ 642<span></span></td>
        <td class="nump">$ 610<span></span></td>
        <td class="nump">$ 1,884<span></span></td>
        <td class="nump">$ 1,788<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_DelinquencyFees">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents amounts to cardmembers for failure to pay the outstanding (or minimum balance) on their cards by the due date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_DelinquencyFees</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_ForeignCurrencyGainLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Primary financial statement caption in which reported facts about foreign currency gain (loss) have been included.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_ForeignCurrencyGainLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_LoyaltyPartnerRelatedFees">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents fees generated by the Loyalty Partner business.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_LoyaltyPartnerRelatedFees</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_OtherCommissionsAndFees">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents revenues from miscellaneous items within other commissions and fees not previously classified.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_OtherCommissionsAndFees</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_ServiceFees">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fee for services rendered usually based on a percentage of an amount received or collected or agreed to be paid for professional services.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_ServiceFees</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FeesAndCommissionsOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fee and commission revenue earned from sources not otherwise specified in the existing taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FeesAndCommissionsOther</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>29
<FILENAME>R71.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E6EAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Fair Values (Details Textuals) (Fair Value, Measurements, Nonrecurring [Member], USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Nonrecurring [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value Assets Measured On Recurring Basis Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Assets measured at fair value for impairment</a></td>
        <td class="nump">$ 0<span></span></td>
        <td class="nump">$ 0<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value portion of probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25499696&amp;loc=d3e19207-110258<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AssetsFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>30
<FILENAME>R25.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Reportable Operating Segment<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingAbstract', window );"><strong>Segment Reporting [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingDisclosureTextBlock', window );">Reportable Operating Segments</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-20.15pt;' >16</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >.  </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >Reportable Operating Segments</font></p><p style='text-align:justify;margin-top:9pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The Company is a leading global payments and travel company that is principally engaged in businesses comprising four reportable operating segments: USCS, ICS, GCS and </font><font style='font-family:Times New Roman;font-size:11pt;' >Global Network Merchant Services (</font><font style='font-family:Times New Roman;font-size:11pt;' >GNMS</font><font style='font-family:Times New Roman;font-size:11pt;' >).</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >Corporate functions and </font><font style='font-family:Times New Roman;font-size:11pt;' >certain other</font><font style='font-family:Times New Roman;font-size:11pt;' > businesses, including the Company&#8217;s </font><font style='font-family:Times New Roman;font-size:11pt;' >Enterprise Growth Group, </font><font style='font-family:Times New Roman;font-size:11pt;' >as well as other Company operations are included in Corporate&#160;&amp; Other.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table presents certain selected financial information for </font><font style='font-family:Times New Roman;font-size:11pt;' >the </font><font style='font-family:Times New Roman;font-size:11pt;' >three and nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:234.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Three Months Ended</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:12.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:234.75pt;text-align:left;border-color:Black;min-width:234.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:101.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:101.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td></tr><tr style='height:13.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Non-interest revenues:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >USCS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >3,214</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3,050</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >9,453</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8,991</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ICS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,206</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,161</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >3,571</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3,415</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GCS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >957</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,277</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >3,538</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3,787</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GNMS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,368</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,309</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4,027</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3,856</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate &amp; Other, including adjustments and eliminations</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >189</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >221</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >548</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >650</font></td></tr><tr style='height:10.5pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:234.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:234.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6,934</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >7,018</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >21,137</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >20,699</font></td></tr><tr style='height:10.5pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:234.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Interest income:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >USCS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,465</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,408</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4,296</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4,148</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ICS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >273</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >281</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >825</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >830</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GCS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >11</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GNMS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >14</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >35</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >23</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate &amp; Other, including adjustments and eliminations</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >59</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >67</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >183</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >213</font></td></tr><tr style='height:10.5pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:234.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:234.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,815</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,767</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >5,350</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >5,223</font></td></tr><tr style='height:10.5pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:234.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Interest expense:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >USCS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >152</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >172</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >455</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >532</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ICS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >85</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >86</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >259</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >273</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GCS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >61</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >59</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >186</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >181</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GNMS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(68)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(62)</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(208)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(187)</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate &amp; Other, including adjustments and eliminations</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >190</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >229</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >610</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >696</font></td></tr><tr style='height:10.5pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:234.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:234.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >420</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >484</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,302</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,495</font></td></tr><tr style='height:10.5pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:234.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Total revenues net of interest expense:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >USCS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4,527</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4,286</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >13,294</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >12,607</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ICS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,394</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,356</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4,137</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3,972</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GCS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >900</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,221</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >3,363</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3,615</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GNMS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,450</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,379</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4,270</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4,066</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate &amp; Other, including adjustments and eliminations</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >58</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >59</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >121</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >167</font></td></tr><tr style='height:10.5pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:234.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:234.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >8,329</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8,301</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >25,185</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >24,427</font></td></tr><tr style='height:10.5pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:234.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Net income (loss):</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >USCS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >889</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >782</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2,535</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2,329</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ICS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >142</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >142</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >378</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >528</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GCS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >204</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >261</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >949</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >678</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GNMS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >427</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >391</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,243</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,176</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate &amp; Other, including adjustments and eliminations</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(185)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(210)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(667)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(660)</font></td></tr><tr style='height:10.5pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:234.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:234.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,477</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,366</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4,438</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4,051</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;line-height:13.8pt;' ></p><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:3pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Corporate&#160;&amp; Other includes adjustments and eliminations for intersegment activity.</font></li></ul></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SegmentReportingAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SegmentReportingAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SegmentReportingDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 29<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8864-108599<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 32<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8933-108599<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8844-108599<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8538-108599<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8380-108599<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 34<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8981-108599<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 35<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8984-108599<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 41<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e9038-108599<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 30<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8906-108599<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 42<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e9054-108599<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 31<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8924-108599<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 40<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e9031-108599<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 33<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8971-108599<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8595-108599<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SegmentReportingDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>31
<FILENAME>R50.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ETDAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Reserves for Losses (Details 2) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Changes in the Card Member loans reserve for losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Balance, January 1</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 1,261<span></span></td>
        <td class="nump">$ 1,471<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Card Member loans - provisions</a></td>
        <td class="nump">265<span></span></td>
        <td class="nump">248<span></span></td>
        <td class="nump">797<span></span></td>
        <td class="nump">825<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsPrincipal', window );">Card Member loans net write-offs - principal</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(786)<span></span></td>
        <td class="num">(888)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsInterestAndFees', window );">Card Member loans net write-offs - interest and fees</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(124)<span></span></td>
        <td class="num">(113)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther', window );">Card Member loans - other</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(2)<span></span></td>
        <td class="num">(14)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Balance, September 30</a></td>
        <td class="nump">$ 1,146<span></span></td>
        <td class="nump">$ 1,281<span></span></td>
        <td class="nump">$ 1,146<span></span></td>
        <td class="nump">$ 1,281<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsInterestAndFees">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the interest and fees amount of loans that have been removed, or charged off, from both loan receivables and the reserve for credit losses, typically because they are considered to be not salvageable or have been purchased by unconsolidated collection entities for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsInterestAndFees</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents adjustments to cardmember loans reserve including foreign currency translation adjustments and net write-offs related to unauthorized transactions for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsPrincipal">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the principal amount of loans that have been removed, or charged off, from both loan receivables and the reserve for credit losses, net of recoveries, typically because they are considered to be not salvageable or have been purchased by unconsolidated collection entities for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsPrincipal</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllowanceForLoanAndLeaseLossesRollForward</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableAllowance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(d))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph d<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (b)(1)(ii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379141&amp;loc=d3e15032-111544<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section L<br><br> -Subsection 1<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableAllowance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanAndLeaseLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of expense related to estimated loss from loan and lease transactions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 11<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProvisionForLoanAndLeaseLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>32
<FILENAME>R42.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E22AG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Accounts Receivable and Loans (Details 2) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U S Card Services [Member] | Card Member Loans [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Financing receivable recorded investment aging</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FinancingReceivableRecordedInvestmentsCurrent', window );">Current</a></td>
        <td class="nump">$ 57,447<span></span></td>
        <td class="nump">$ 57,772<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30 to 59 days past due</a></td>
        <td class="nump">175<span></span></td>
        <td class="nump">183<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60 to 89 days past due</a></td>
        <td class="nump">121<span></span></td>
        <td class="nump">134<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90+ days past due</a></td>
        <td class="nump">269<span></span></td>
        <td class="nump">306<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue', window );">Total aging</a></td>
        <td class="nump">58,012<span></span></td>
        <td class="nump">58,395<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U S Card Services [Member] | Card Member Receivables [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Financing receivable recorded investment aging</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FinancingReceivableRecordedInvestmentsCurrent', window );">Current</a></td>
        <td class="nump">20,907<span></span></td>
        <td class="nump">21,488<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30 to 59 days past due</a></td>
        <td class="nump">125<span></span></td>
        <td class="nump">125<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60 to 89 days past due</a></td>
        <td class="nump">74<span></span></td>
        <td class="nump">69<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90+ days past due</a></td>
        <td class="nump">147<span></span></td>
        <td class="nump">160<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue', window );">Total aging</a></td>
        <td class="nump">21,253<span></span></td>
        <td class="nump">21,842<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">International Card Services [Member] | Card Member Loans [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Financing receivable recorded investment aging</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FinancingReceivableRecordedInvestmentsCurrent', window );">Current</a></td>
        <td class="nump">7,869<span></span></td>
        <td class="nump">8,664<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30 to 59 days past due</a></td>
        <td class="nump">41<span></span></td>
        <td class="nump">43<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60 to 89 days past due</a></td>
        <td class="nump">29<span></span></td>
        <td class="nump">28<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90+ days past due</a></td>
        <td class="nump">60<span></span></td>
        <td class="nump">55<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue', window );">Total aging</a></td>
        <td class="nump">7,999<span></span></td>
        <td class="nump">8,790<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">International Card Services [Member] | Card Member Receivables [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Financing receivable recorded investment aging</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FinancingReceivableRecordedInvestmentsCurrent', window );">Current</a></td>
        <td class="nump">7,174<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30 to 59 days past due</a></td>
        <td class="nump">30<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60 to 89 days past due</a></td>
        <td class="nump">22<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90+ days past due</a></td>
        <td class="nump">47<span></span></td>
        <td class="nump">83<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue', window );">Total aging</a></td>
        <td class="nump">7,273<span></span></td>
        <td class="nump">7,771<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Global Commercial Services [Member] | Card Member Receivables [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Financing receivable recorded investment aging</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90+ days past due</a></td>
        <td class="nump">125<span></span></td>
        <td class="nump">132<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue', window );">Total aging</a></td>
        <td class="nump">$ 16,440<span></span></td>
        <td class="nump">$ 14,391<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Recorded investment in financing receivables that are current and past due at the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_FinancingReceivableRecordedInvestmentCurrentAndPastDue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_FinancingReceivableRecordedInvestmentsCurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing receivables that are current.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_FinancingReceivableRecordedInvestmentsCurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing receivables that are less than 60 days past due but more than 29 days past due.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953401-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing receivables that are less than 90 days past due but more than 59 days past due.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953401-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing receivables that are equal to or greater than 90 days past due.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953401-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>33
<FILENAME>R75.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E4VAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Income Taxes (Details Textuals) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_IncomeTaxesTextualsAbstract', window );"><strong>Income Taxes (Textuals)</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleAmountOfUnrecordedBenefit', window );">Unrecognized tax benefits as a result of potential resolutions of prior years' tax</a></td>
        <td class="nump">$ 686<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 686<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleEquity', window );">Unrecognized tax benefits, amounts recorded to equity</a></td>
        <td class="nump">$ 529<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 529<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateContinuingOperations', window );">Actual tax rates</a></td>
        <td class="nump">34.20%<span></span></td>
        <td class="nump">31.80%<span></span></td>
        <td class="nump">34.40%<span></span></td>
        <td class="nump">31.40%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Internal Revenue Service (IRS) [Member] | Earliest Year [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxContingencyLineItems', window );"><strong>Income Tax Contingency [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OpenTaxYear', window );">Open tax years by major tax jurisdiction</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">2008<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Internal Revenue Service (IRS) [Member] | Latest Year [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxContingencyLineItems', window );"><strong>Income Tax Contingency [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OpenTaxYear', window );">Open tax years by major tax jurisdiction</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">2011<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_IncomeTaxesTextualsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_IncomeTaxesTextualsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Unrecognized tax benefits relating to amounts recorded to equity that, if recognized, would not impact the effective rate.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleEquity</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateContinuingOperations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h)(2))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Subparagraph 2<br><br> -Article 4<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EffectiveIncomeTaxRateContinuingOperations</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxContingencyLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxContingencyLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OpenTaxYear">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tax year that remains open to examination under enacted tax laws, in CCYY format.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32718-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OpenTaxYear</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:gYearItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleAmountOfUnrecordedBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the unrecognized tax benefit of a position taken for which it is reasonably possible that the total amount thereof will significantly increase or decrease within twelve months of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32718-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleAmountOfUnrecordedBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>34
<FILENAME>R37.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E1AAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Non-Interest Revenue and Expense Detail (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherCostAndExpenseDisclosureOperating1Abstract', window );"><strong>Other Cost And Expense Disclosure Operating (Tables) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherCommissionsAndFeesTextBlock', window );">Details of other commissions and fees</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following is a deta</font><font style='font-family:Times New Roman;font-size:11pt;' >il of O</font><font style='font-family:Times New Roman;font-size:11pt;' >ther commissions and fees</font><font style='font-family:Times New Roman;font-size:11pt;' >: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:236.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:236.25pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:96pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:96pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Three Months Ended</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:96pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:96pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:12.75pt;' ><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:236.25pt;text-align:left;border-color:Black;min-width:236.25pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:96pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:96pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:96pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:96pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td></tr><tr style='height:13.5pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Foreign currency conversion fee revenue</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 225 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 223 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 665 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 655 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Delinquency fees</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 184 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 172 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 539 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 503 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Loyalty Partner-related fees</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 100 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 74 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 286 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 221 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Service fees</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 94 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 97 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 274 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 273 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 39 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 44 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 120 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 136 </font></td></tr><tr style='height:9.75pt;' ><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td colspan='2' rowspan='1' style='width:246.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:246.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Other commissions and fees</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 642 </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 610 </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,884 </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 1,788 </font></td></tr><tr style='height:1.5pt;' ><td style='width:10.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:236.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:236.25pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;line-height:12pt;' ></p><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Other primarily includes fee revenue from fees related to Membership Rewards programs.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherRevenuesTextBlock', window );">Details of other revenues</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following is a detail of </font><font style='font-family:Times New Roman;font-size:11pt;' >O</font><font style='font-family:Times New Roman;font-size:11pt;' >ther revenues</font><font style='font-family:Times New Roman;font-size:11pt;' >: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:236.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:236.25pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Three Months Ended</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:12.75pt;' ><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:236.25pt;text-align:left;border-color:Black;min-width:236.25pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:104.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:104.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td></tr><tr style='height:13.5pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Global Network Services partner revenues</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 173 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 171 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 513 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 466 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net realized gains and losses on investment securities</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 20 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:42pt;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 37 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 100 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:42pt;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 102 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 400 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 393 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,066 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 1,137 </font></td></tr><tr style='height:10.5pt;' ><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td colspan='2' rowspan='1' style='width:246.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:246.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Other revenues</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >593</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >601</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,679</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,705</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;line-height:12pt;' ></p><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Other </font><font style='font-family:Times New Roman;font-size:8pt;' >include</font><font style='font-family:Times New Roman;font-size:8pt;' >s</font><font style='font-family:Times New Roman;font-size:8pt;' > revenues arising from</font><font style='font-family:Times New Roman;font-size:8pt;' > foreign exchange gains on cross-border Card Member spending, merchant-related fees, </font><font style='font-family:Times New Roman;font-size:8pt;' >insurance premiums earned from </font><font style='font-family:Times New Roman;font-size:8pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:8pt;' > travel and other insurance programs, </font><font style='font-family:Times New Roman;font-size:8pt;' >Travelers </font><font style='font-family:Times New Roman;font-size:8pt;' >Cheques</font><font style='font-family:Times New Roman;font-size:8pt;' >-related revenues, revenues related </font><font style='font-family:Times New Roman;font-size:8pt;' >to the GBT JV transition services agreement, earnings from equity method investments and other miscellaneous revenue and fees. </font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_MarketingPromotionRewardsAndCardmemberServicesTextBlock', window );">Detail of marketing, promotion, rewards and Card Member services</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following is a detail of </font><font style='font-family:Times New Roman;font-size:11pt;' >M</font><font style='font-family:Times New Roman;font-size:11pt;' >arketing, promotion, rewards</font><font style='font-family:Times New Roman;font-size:11pt;' >, Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > services</font><font style='font-family:Times New Roman;font-size:11pt;' > and other: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:236.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:236.25pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:103.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:103.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Three Months Ended</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:103.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:103.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:12.75pt;' ><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:236.25pt;text-align:left;border-color:Black;min-width:236.25pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:103.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:103.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:103.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:103.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Marketing and promotion</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 809 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 827 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 2,407 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 2,234 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member rewards</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,695 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 1,619 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 5,050 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 4,740 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member services and other</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 205 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 197 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 619 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 579 </font></td></tr><tr style='height:9.75pt;' ><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td colspan='2' rowspan='1' style='width:246.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:246.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Marketing, promotion, rewards, Card Member services</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td></tr><tr style='height:13.5pt;' ><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:236.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:236.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and other</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 2,709 </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2,643</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 8,076 </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >7,553</font></td></tr></table></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherNetExpenseTextBlock', window );">Detail of other, net expense</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following is a detail of </font><font style='font-family:Times New Roman;font-size:11pt;' >O</font><font style='font-family:Times New Roman;font-size:11pt;' >ther, net</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >expenses</font><font style='font-family:Times New Roman;font-size:11pt;' >: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:103.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:103.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Three Months Ended</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:103.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:103.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:12.75pt;' ><td style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:103.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:103.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:103.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:103.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td></tr><tr style='height:9.75pt;' ><td style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Professional services</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >731</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >793</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2,240</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2,272</font></td></tr><tr style='height:9.75pt;' ><td style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Occupancy and equipment</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >432</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >462</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,361</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,394</font></td></tr><tr style='height:9.75pt;' ><td style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card-related fraud losses</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >96</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >73</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >282</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >229</font></td></tr><tr style='height:9.75pt;' ><td style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Communications</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >91</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >94</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >285</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >282</font></td></tr><tr style='height:9.75pt;' ><td style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Gain on business travel joint venture transaction</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(15)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213;</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(641)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213;</font></td></tr><tr style='height:9.75pt;' ><td style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >261</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >269</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >866</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >734</font></td></tr><tr style='height:14.25pt;' ><td style='width:257.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Other, net</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,596</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,691</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4,393</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4,911</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;line-height:13.8pt;' ></p><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Other expense inclu</font><font style='font-family:Times New Roman;font-size:8pt;' >des general operating expenses, </font><font style='font-family:Times New Roman;font-size:8pt;' >gains (losses) on sale of assets or businesses not classified as discontinued operations</font><font style='font-family:Times New Roman;font-size:8pt;' > (other than the business travel joint venture transaction)</font><font style='font-family:Times New Roman;font-size:8pt;' >, litigation, </font><font style='font-family:Times New Roman;font-size:8pt;' >certain </font><font style='font-family:Times New Roman;font-size:8pt;' >internal and regulatory </font><font style='font-family:Times New Roman;font-size:8pt;' >review-related reimbursements and insurance costs or settlements, investment impairments and certain Loyalty Partner</font><font style='font-family:Times New Roman;font-size:8pt;' >-related</font><font style='font-family:Times New Roman;font-size:8pt;' > expenses</font><font style='font-family:Times New Roman;font-size:8pt;' >.</font></li></ul></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_MarketingPromotionRewardsAndCardmemberServicesTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents table summarizing a detail of marketing, promotion, rewards and cardmember services.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_MarketingPromotionRewardsAndCardmemberServicesTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_OtherCommissionsAndFeesTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents table summarizing a detail of other commissions and fees.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_OtherCommissionsAndFeesTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_OtherCostAndExpenseDisclosureOperating1Abstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_OtherCostAndExpenseDisclosureOperating1Abstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_OtherNetExpenseTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents table summarizing a detail of other, net expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_OtherNetExpenseTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_OtherRevenuesTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents table summarizing a detail of other revenues.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_OtherRevenuesTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>35
<FILENAME>R52.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EH1AE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Reserves For Losses (Details Textuals) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther', window );">Card Member receivables - other</a></td>
        <td class="num">$ (21)<span></span></td>
        <td class="nump">$ 1<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther', window );">Card Member loans reserves for losses - other</a></td>
        <td class="num">(2)<span></span></td>
        <td class="num">(14)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ValuationAllowancesAndReservesRecoveries', window );">Allowance for Card Member Receivables and Reserves, Recoveries of Bad Debts</a></td>
        <td class="nump">269<span></span></td>
        <td class="nump">304<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts', window );">Allowance for Card Member Loans, Recoveries of Bad Debts</a></td>
        <td class="nump">324<span></span></td>
        <td class="nump">343<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AllowanceForReceivablesRecoveriesOfBadDebtsTDR', window );">Allowance for Card Member Receivables, Recoveries of Bad Debts - TDR</a></td>
        <td class="nump">14<span></span></td>
        <td class="nump">16<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AllowanceForLoansRecoveriesOfBadDebtsTDR', window );">Allowance for Card Member Loans, Recoveries of Bad Debts - TDR</a></td>
        <td class="num">(5)<span></span></td>
        <td class="nump">6<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Unauthorized Transactions [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther', window );">Card Member receivables - other</a></td>
        <td class="num">(7)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther', window );">Card Member loans reserves for losses - other</a></td>
        <td class="num">(6)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Foreign Currency Translation Adjustments [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther', window );">Card Member receivables - other</a></td>
        <td class="num">(6)<span></span></td>
        <td class="num">(3)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther', window );">Card Member loans reserves for losses - other</a></td>
        <td class="num">(7)<span></span></td>
        <td class="num">(8)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Items [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther', window );">Card Member receivables - other</a></td>
        <td class="num">(8)<span></span></td>
        <td class="nump">4<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther', window );">Card Member loans reserves for losses - other</a></td>
        <td class="nump">$ 11<span></span></td>
        <td class="num">$ (6)<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_AllowanceForLoansRecoveriesOfBadDebtsTDR">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of recovery of Card Member loans related to troubled debt restructurings, which had previously been fully or partially written-off as bad debts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_AllowanceForLoansRecoveriesOfBadDebtsTDR</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_AllowanceForReceivablesRecoveriesOfBadDebtsTDR">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of recovery of Card Member receivables related to troubled debt restructurings, which had previously been fully or partially written-off as bad debts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_AllowanceForReceivablesRecoveriesOfBadDebtsTDR</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents adjustments to cardmember loans reserve including foreign currency translation adjustments and net write-offs related to unauthorized transactions for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_ProvisionsForLoansAndLeaseLossesDeductionsNetWriteOffsOther</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents adjustments to cardmember receivables resulting from unauthorized transactions and foreign currency translation adjustments for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_ProvisionsForLossesDeductionsChargeCardNetWriteOffsOther</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsNotesAndLoansReceivableLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of recovery of loans and lease receivables which had previously been fully or partially written-off as bad debts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ValuationAllowancesAndReservesRecoveries">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of recoveries of amounts due the Entity that had previously been written off as uncollectible using allowances (the valuation accounts that are netted against the cost of an asset to value it at its carrying value) and total of reestablishments of reserves (liabilities established to represent expected future costs) that had previously been utilized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e24092-122690<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 09<br><br> -Article 12<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ValuationAllowancesAndReservesRecoveries</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>36
<FILENAME>R67.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EPEAI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Derivatives and Hedging Activities (Details Textuals) (USD $)<br>Share data in Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
        <th class="th" colspan="1"></th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DerivativesAndHedgingActivitiesTextualsAbstract', window );"><strong>Derivatives and Hedging Activities (Textuals) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges', window );">Net reduction in interest expense on long term debt and other</a></td>
        <td class="nump">$ 74,000,000<span></span></td>
        <td class="nump">$ 76,000,000<span></span></td>
        <td class="nump">$ 217,000,000<span></span></td>
        <td class="nump">$ 280,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DerivativeFairValueOfDerivativeAssetNotOffsetAgainstCollateral', window );">Derivative asset not offset</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DerivativeFairValueOfDerivativeLiabilityNotOffsetAgainstCollateral', window );">Derivative liabilities not offset</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_SharesHeldInEquityInvestmentSold', window );">Shares held in equity investment sold</a></td>
        <td class="nump">34.3<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">34.3<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">180.7<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_MarginOnInterestRateSwapNotNetted', window );">Margin On Interest Rate Swap Not Netted</a></td>
        <td class="nump">97,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">97,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">26,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesEquitySecurities', window );">Equity investment</a></td>
        <td class="nump">1,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">124,000,000<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Not Sold Or Repledged [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged', window );">Securities received as collateral</a></td>
        <td class="nump">111,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">111,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">ICBC [Member] | Estimate of Fair Value, Fair Value Disclosure [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesEquitySecurities', window );">Equity investment</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">122,000,000<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Hedges [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAmountOfHedgedItem', window );">Notional amount of long-term debt</a></td>
        <td class="nump">18,200,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">18,200,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">14,700,000,000<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Net Investment Hedges [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax', window );">Effective portion of gain (loss) on hedges</a></td>
        <td class="nump">246,000,000<span></span></td>
        <td class="num">(123,000,000)<span></span></td>
        <td class="nump">113,000,000<span></span></td>
        <td class="nump">160,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Net Investment Hedges [Member] | Net Investment Hedging [Member] | Other Expense [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet', window );">Amount reclassified from AOCI into income</a></td>
        <td class="num">(1,000,000)<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">9,000,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Credit Valuation Adjustment [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAmountOfHedgedItem', window );">Notional amount of long-term debt</a></td>
        <td class="nump">$ 0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 0<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_DerivativeFairValueOfDerivativeAssetNotOffsetAgainstCollateral">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value of derivative assets that are permitted under a master netting arrangement, but elected not to be presented as an offset against an obligation to return collateral received against such assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_DerivativeFairValueOfDerivativeAssetNotOffsetAgainstCollateral</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_DerivativeFairValueOfDerivativeLiabilityNotOffsetAgainstCollateral">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value of derivative liabilities that are permitted under a master netting arrangement, but elected not to be presented as an offset against the right to receive collateral paid against such liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_DerivativeFairValueOfDerivativeLiabilityNotOffsetAgainstCollateral</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_DerivativesAndHedgingActivitiesTextualsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_DerivativesAndHedgingActivitiesTextualsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Effective portion of cumulative gains and losses on foreign currency derivatives that are designated as, and are effective as, hedges of a net investment in a foreign entity commencing as of the designation date. Adjustment reported in equity as part of accumulated other comprehensive income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_EffectiveTranslationAdjustmentForHedgeIncreasedDecreasedNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_MarginOnInterestRateSwapNotNetted">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount posted as initial margin for centrally cleared interest rate swaps which is not netted against the derivative balances.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_MarginOnInterestRateSwapNotNetted</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the amount of a net reduction to interest expense on long-term debt and other, primarily related to the net settlements on the Company's fair value hedges.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_NetReductionToInterestExpenseLongTermDebtAndOtherRelatedToNetSettlementsOnFairValueHedges</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_SharesHeldInEquityInvestmentSold">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Shares held in ICBC investment sold.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_SharesHeldInEquityInvestmentSold</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesEquitySecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of equity securities categorized neither as held-to-maturity nor as trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62557-112803<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesEquitySecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeAmountOfHedgedItem">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of the hedged item as of the balance sheet date related to the derivative. For example, the hedged balance on a debt instrument.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeAmountOfHedgedItem</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The effective portion of net gain (loss) reclassified from accumulated other comprehensive income into income on derivative instruments designated and qualifying as hedging instruments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4C<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624171-113959<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4D<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624177-113959<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value of collateral permitted, by contact or custom, to be sold or re-pledged.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7523297&amp;loc=SL6224234-111729<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>37
<FILENAME>R61.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EALAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Customer Deposits (Details 1) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsDomesticAbstract', window );"><strong>U.S. retail deposits:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDomesticDepositSavings', window );">Savings accounts - Direct</a></td>
        <td class="nump">$ 26,248<span></span></td>
        <td class="nump">$ 24,550<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits', window );">Certificates of deposit - Direct</a></td>
        <td class="nump">355<span></span></td>
        <td class="nump">489<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ThirdPartyCertificatesOfDeposit', window );">Certificates of deposit - Third party</a></td>
        <td class="nump">6,371<span></span></td>
        <td class="nump">6,929<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ThirdPartySweepAccounts', window );">Sweep accounts - Third party</a></td>
        <td class="nump">8,909<span></span></td>
        <td class="nump">8,863<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDomesticDepositOtherTimeDeposit', window );">Non-U.S. deposits and U.S. non-interest bearing deposits</a></td>
        <td class="nump">155<span></span></td>
        <td class="nump">155<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DomesticAndForeignCardmemberCreditBalances', window );">Card Member credit balances - U.S. and non-U.S.</a></td>
        <td class="nump">665<span></span></td>
        <td class="nump">777<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total customer deposits</a></td>
        <td class="nump">$ 42,703<span></span></td>
        <td class="nump">$ 41,763<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_DomesticAndForeignCardmemberCreditBalances">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Cardmember credit balances (U.S. and non-U.S.) reclassified into Other Liabilities</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_DomesticAndForeignCardmemberCreditBalances</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_ThirdPartyCertificatesOfDeposit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents third party certificate of deposit accounts offered by the Company's Banks.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_ThirdPartyCertificatesOfDeposit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_ThirdPartySweepAccounts">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents third party sweep accounts offered by the Company's Banks.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_ThirdPartySweepAccounts</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Deposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsDomesticAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepositsDomesticAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest-bearing domestic certificate of deposit liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDomesticDepositOtherTimeDeposit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest-bearing domestic deposit liabilities for time deposit liabilities other than certificates of deposit.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestBearingDomesticDepositOtherTimeDeposit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDomesticDepositSavings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest-bearing domestic savings deposit liabilities. Saving deposits bear interest and have no stated maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestBearingDomesticDepositSavings</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>38
<FILENAME>R47.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EBAAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Accounts Receivable and Loans (Details 7) (U S Card Services [Member], USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014

</div>
          <div>Account</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013

</div>
          <div>Account</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014

</div>
          <div>Account</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013

</div>
          <div>Account</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modifications [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1', window );">Number of Accounts</a></td>
        <td class="nump">3,000<span></span></td>
        <td class="nump">5,000<span></span></td>
        <td class="nump">8,000<span></span></td>
        <td class="nump">18,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1', window );">Aggregated Outstanding Balance Upon Payment Default</a></td>
        <td class="nump">$ 29<span></span></td>
        <td class="nump">$ 45<span></span></td>
        <td class="nump">$ 87<span></span></td>
        <td class="nump">$ 171<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Card Member Loans [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modifications [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1', window );">Number of Accounts</a></td>
        <td class="nump">2,000<span></span></td>
        <td class="nump">4,000<span></span></td>
        <td class="nump">6,000<span></span></td>
        <td class="nump">15,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1', window );">Aggregated Outstanding Balance Upon Payment Default</a></td>
        <td class="nump">20<span></span></td>
        <td class="nump">37<span></span></td>
        <td class="nump">60<span></span></td>
        <td class="nump">138<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Card Member Receivables [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modifications [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1', window );">Number of Accounts</a></td>
        <td class="nump">1,000<span></span></td>
        <td class="nump">1,000<span></span></td>
        <td class="nump">2,000<span></span></td>
        <td class="nump">3,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1', window );">Aggregated Outstanding Balance Upon Payment Default</a></td>
        <td class="nump">$ 9<span></span></td>
        <td class="nump">$ 8<span></span></td>
        <td class="nump">$ 27<span></span></td>
        <td class="nump">$ 33<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableModificationsLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of financing receivables that have been modified by troubled debt restructurings within the previous 12 months and for which there was a payment default.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 34<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953682-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment related to financing receivables modified by troubled debt restructurings within the previous 12 months, for which there was a payment default.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 34<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953682-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>39
<FILENAME>R9.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EGH">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Consolidated Statements of Cash Flows (Parenthetical) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementOfCashFlowsAbstract', window );"><strong>Consolidated Statements of Cash Flows [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment', window );">Sale of premises and equipment</a></td>
        <td class="nump">$ 3<span></span></td>
        <td class="nump">$ 74<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow from the sale of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementOfCashFlowsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StatementOfCashFlowsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>40
<FILENAME>R62.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EWVAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Customer Deposits (Details 2) (USD $)<br></strong></div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositsByMaturityAbstract', window );"><strong>Time Deposits By Maturity</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearOne', window );">2014</a></td>
        <td class="nump">$ 1,076,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearTwo', window );">2015</a></td>
        <td class="nump">1,263,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearThree', window );">2016</a></td>
        <td class="nump">1,684,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFour', window );">2017</a></td>
        <td class="nump">937,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFive', window );">2018</a></td>
        <td class="nump">1,089,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesAfterYearFive', window );">After 5 years</a></td>
        <td class="nump">684,000,000<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Total</a></td>
        <td class="nump">6,733,000,000<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">United States [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositsByMaturityAbstract', window );"><strong>Time Deposits By Maturity</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearOne', window );">2014</a></td>
        <td class="nump">1,073,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearTwo', window );">2015</a></td>
        <td class="nump">1,259,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearThree', window );">2016</a></td>
        <td class="nump">1,684,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFour', window );">2017</a></td>
        <td class="nump">937,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFive', window );">2018</a></td>
        <td class="nump">1,089,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesAfterYearFive', window );">After 5 years</a></td>
        <td class="nump">684,000,000<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Total</a></td>
        <td class="nump">6,726,000,000<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Non United States [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositsByMaturityAbstract', window );"><strong>Time Deposits By Maturity</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearOne', window );">2014</a></td>
        <td class="nump">3,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearTwo', window );">2015</a></td>
        <td class="nump">4,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearThree', window );">2016</a></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFour', window );">2017</a></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFive', window );">2018</a></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesAfterYearFive', window );">After 5 years</a></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Total</a></td>
        <td class="nump">$ 7,000,000<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesAfterYearFive">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits maturing after the fifth fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDepositMaturitiesAfterYearFive</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearFive">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits maturing in the fifth fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDepositMaturitiesYearFive</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearFour">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits maturing in the fourth fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDepositMaturitiesYearFour</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearOne">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits maturing in the next fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDepositMaturitiesYearOne</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearThree">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits maturing in the third fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDepositMaturitiesYearThree</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearTwo">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits maturing in the second fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDepositMaturitiesYearTwo</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deposits that cannot be withdrawn before a set date without penalty or for which notice of withdrawal is required. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositsByMaturityAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDepositsByMaturityAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>41
<FILENAME>Financial_Report.xls
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xls
M[[N_34E-12U697)S:6]N.B`Q+C`-"E@M1&]C=6UE;G0M5'EP93H@5V]R:V)O
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M<B!E9&ET;W(@9&]E<VXG="!S=7!P;W)T(%=E8B!!<F-H:79E(&9I;&5S+B`@
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M;V9T+6-O;3IO9F9I8V4Z97AC96PB('AM;&YS/3-$(FAT='`Z+R]W=W<N=S,N
M;W)G+U12+U)%0RUH=&UL-#`B/@T*/&AE860^#0H\;65T82!N86UE/3-$(D5X
M8V5L(%=O<FMB;V]K($9R86UE<V5T(CX-"@T*/&UE=&$@;F%M93TS1%!R;V=)
M9"!C;VYT96YT/3-$17AC96PN4VAE970^#0H\;&EN:R!R96P],T1&:6QE+4QI
M<W0@:')E9CTS1")7;W)K<VAE971S+V9I;&5L:7-T+GAM;"(^#0H-"CPA+2U;
M:68@9W1E(&US;R`Y73X\>&UL/@T*(#QX.D5X8V5L5V]R:V)O;VL^#0H@(#QX
M.D5X8V5L5V]R:W-H965T<SX-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@
M(#QX.DYA;64^1&]C=6UE;G1?86YD7T5N=&ET>5]);F9O<FUA=&EO/"]X.DYA
M;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T
M<R]3:&5E=#`Q+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@
M(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^0V]N<V]L:61A=&5D
M7U-T871E;65N='-?;V9?26YC/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T
M4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#`R+FAT;6PB+SX-"B`@
M(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*
M("`@(#QX.DYA;64^0V]N<V]L:61A=&5D7U-T871E;65N='-?;V9?26YC,3PO
M>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS
M:&5E=',O4VAE970P,RYH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^
M#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/D-O;G-O;&ED
M871E9%]3=&%T96UE;G1S7V]F7T-O;3PO>#I.86UE/@T*("`@(#QX.E=O<FMS
M:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970P-"YH=&UL(B\^
M#0H@("`\+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E
M=#X-"B`@("`\>#I.86UE/D-O;G-O;&ED871E9%]3=&%T96UE;G1S7V]F7T-O
M;3$\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7
M;W)K<VAE971S+U-H965T,#4N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H
M965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y#;VYS
M;VQI9&%T961?0F%L86YC95]3:&5E=',\+W@Z3F%M93X-"B`@("`\>#I7;W)K
M<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T,#8N:'1M;"(O
M/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE
M970^#0H@("`@/'@Z3F%M93Y#;VYS;VQI9&%T961?0F%L86YC95]3:&5E='-?
M4&$\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7
M;W)K<VAE971S+U-H965T,#<N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H
M965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y#;VYS
M;VQI9&%T961?4W1A=&5M96YT<U]O9E]#87,\+W@Z3F%M93X-"B`@("`\>#I7
M;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T,#@N:'1M
M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K
M<VAE970^#0H@("`@/'@Z3F%M93Y#;VYS;VQI9&%T961?4W1A=&5M96YT<U]O
M9E]#87,Q/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968]
M,T0B5V]R:W-H965T<R]3:&5E=#`Y+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O
M<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^
M4W5M;6%R>5]O9E]3:6=N:69I8V%N=%]!8V-O=6YT/"]X.DYA;64^#0H@("`@
M/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#$P
M+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L
M5V]R:W-H965T/@T*("`@(#QX.DYA;64^1&EV97-T:71U<F5S/"]X.DYA;64^
M#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3
M:&5E=#$Q+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX
M.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^06-C;W5N='-?4F5C96EV
M86)L95]A;F1?3&]A;G,\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R
M8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T,3(N:'1M;"(O/@T*("`@/"]X
M.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@
M/'@Z3F%M93Y297-E<G9E<U]F;W)?3&]S<V5S/"]X.DYA;64^#0H@("`@/'@Z
M5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#$S+FAT
M;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R
M:W-H965T/@T*("`@(#QX.DYA;64^26YV97-T;65N=%]396-U<FET:65S/"]X
M.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H
M965T<R]3:&5E=#$T+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-
M"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^07-S971?4V5C
M=7)I=&EZ871I;VYS/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E
M($A2968],T0B5V]R:W-H965T<R]3:&5E=#$U+FAT;6PB+SX-"B`@(#PO>#I%
M>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX
M.DYA;64^0W5S=&]M97)?1&5P;W-I=',\+W@Z3F%M93X-"B`@("`\>#I7;W)K
M<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T,38N:'1M;"(O
M/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE
M970^#0H@("`@/'@Z3F%M93Y$97)I=F%T:79E<U]A;F1?2&5D9VEN9U]!8W1I
M=FD\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7
M;W)K<VAE971S+U-H965T,3<N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H
M965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y&86ER
M7U9A;'5E<SPO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F
M/3-$(E=O<FMS:&5E=',O4VAE970Q."YH=&UL(B\^#0H@("`\+W@Z17AC96Q7
M;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE
M/D=U87)A;G1E97,\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@
M2%)E9CTS1")7;W)K<VAE971S+U-H965T,3DN:'1M;"(O/@T*("`@/"]X.D5X
M8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z
M3F%M93Y#:&%N9V5S7VEN7T%C8W5M=6QA=&5D7T]T:&5R7T,\+W@Z3F%M93X-
M"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H
M965T,C`N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z
M17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y);F-O;65?5&%X97,\+W@Z
M3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE
M971S+U-H965T,C$N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*
M("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y%87)N:6YG<U]0
M97)?0V]M;6]N7U-H87)E7T504SPO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E
M=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970R,BYH=&UL(B\^#0H@
M("`\+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-
M"B`@("`\>#I.86UE/DYO;DEN=&5R97-T7U)E=F5N=65?86YD7T5X<&5N<SPO
M>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS
M:&5E=',O4VAE970R,RYH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^
M#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/D-O;G1I;F=E
M;F-I97,\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS
M1")7;W)K<VAE971S+U-H965T,C0N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R
M:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y2
M97!O<G1A8FQE7T]P97)A=&EN9U]396=M96YT/"]X.DYA;64^#0H@("`@/'@Z
M5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#(U+FAT
M;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R
M:W-H965T/@T*("`@(#QX.DYA;64^4VEG;FEF:6-A;G1?06-C;W5N=&EN9U]0
M;VQI8VEE/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968]
M,T0B5V]R:W-H965T<R]3:&5E=#(V+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O
M<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^
M06-C;W5N='-?4F5C96EV86)L95]A;F1?3&]A;G-?/"]X.DYA;64^#0H@("`@
M/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#(W
M+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L
M5V]R:W-H965T/@T*("`@(#QX.DYA;64^4F5S97)V97-?1F]R7TQO<W-E<U]4
M86)L97,\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS
M1")7;W)K<VAE971S+U-H965T,C@N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R
M:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y)
M;G9E<W1M96YT7U-E8W5R:71I97-?5&%B;&5S/"]X.DYA;64^#0H@("`@/'@Z
M5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#(Y+FAT
M;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R
M:W-H965T/@T*("`@(#QX.DYA;64^07-S971?4V5C=7)I=&EZ871I;VYS7U1A
M8FQE<SPO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$
M(E=O<FMS:&5E=',O4VAE970S,"YH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K
M<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/D-U
M<W1O;65R7T1E<&]S:71S7U1A8FQE<SPO>#I.86UE/@T*("`@(#QX.E=O<FMS
M:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970S,2YH=&UL(B\^
M#0H@("`\+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E
M=#X-"B`@("`\>#I.86UE/D1E<FEV871I=F5S7V%N9%](961G:6YG7T%C=&EV
M:3$\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7
M;W)K<VAE971S+U-H965T,S(N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H
M965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y&86ER
M7U9A;'5E<U]486)L97,\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R
M8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T,S,N:'1M;"(O/@T*("`@/"]X
M.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@
M/'@Z3F%M93Y'=6%R86YT965S7U1A8FQE<SPO>#I.86UE/@T*("`@(#QX.E=O
M<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970S-"YH=&UL
M(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS
M:&5E=#X-"B`@("`\>#I.86UE/D-H86YG97-?:6Y?06-C=6UU;&%T961?3W1H
M97)?0S$\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS
M1")7;W)K<VAE971S+U-H965T,S4N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R
M:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y%
M87)N:6YG<U]097)?0V]M;6]N7U-H87)E7T504U\\+W@Z3F%M93X-"B`@("`\
M>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T,S8N
M:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7
M;W)K<VAE970^#0H@("`@/'@Z3F%M93Y.;VY);G1E<F5S=%]2979E;G5E7V%N
M9%]%>'!E;G,Q/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2
M968],T0B5V]R:W-H965T<R]3:&5E=#,W+FAT;6PB+SX-"B`@(#PO>#I%>&-E
M;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA
M;64^4F5P;W)T86)L95]/<&5R871I;F=?4V5G;65N=%]4/"]X.DYA;64^#0H@
M("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E
M=#,X+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X
M8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^1&EV97-T:71U<F5S7T1E=&%I
M;'-?5&5X='5A;',\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@
M2%)E9CTS1")7;W)K<VAE971S+U-H965T,SDN:'1M;"(O/@T*("`@/"]X.D5X
M8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z
M3F%M93Y!8V-O=6YT<U]296-E:79A8FQE7V%N9%],;V%N<U\Q/"]X.DYA;64^
M#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3
M:&5E=#0P+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX
M.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^06-C;W5N='-?4F5C96EV
M86)L95]A;F1?3&]A;G-?,CPO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O
M=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970T,2YH=&UL(B\^#0H@("`\
M+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@
M("`\>#I.86UE/D%C8V]U;G1S7U)E8V5I=F%B;&5?86YD7TQO86YS7S,\+W@Z
M3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE
M971S+U-H965T-#(N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*
M("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y!8V-O=6YT<U]2
M96-E:79A8FQE7V%N9%],;V%N<U\T/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H
M965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#0S+FAT;6PB+SX-
M"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T
M/@T*("`@(#QX.DYA;64^06-C;W5N='-?4F5C96EV86)L95]A;F1?3&]A;G-?
M-3PO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O
M<FMS:&5E=',O4VAE970T-"YH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE
M970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/D%C8V]U
M;G1S7U)E8V5I=F%B;&5?86YD7TQO86YS7S8\+W@Z3F%M93X-"B`@("`\>#I7
M;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T-#4N:'1M
M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K
M<VAE970^#0H@("`@/'@Z3F%M93Y!8V-O=6YT<U]296-E:79A8FQE7V%N9%],
M;V%N<U\W/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968]
M,T0B5V]R:W-H965T<R]3:&5E=#0V+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O
M<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^
M06-C;W5N='-?4F5C96EV86)L95]A;F1?3&]A;G-?.#PO>#I.86UE/@T*("`@
M(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970T
M-RYH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E
M;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/E)E<V5R=F5S7V9O<E],;W-S97-?
M1&5T86EL<SPO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F
M/3-$(E=O<FMS:&5E=',O4VAE970T."YH=&UL(B\^#0H@("`\+W@Z17AC96Q7
M;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE
M/E)E<V5R=F5S7V9O<E],;W-S97-?1&5T86EL<U\Q/"]X.DYA;64^#0H@("`@
M/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#0Y
M+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L
M5V]R:W-H965T/@T*("`@(#QX.DYA;64^4F5S97)V97-?9F]R7TQO<W-E<U]$
M971A:6QS7S(\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E
M9CTS1")7;W)K<VAE971S+U-H965T-3`N:'1M;"(O/@T*("`@/"]X.D5X8V5L
M5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M
M93Y297-E<G9E<U]&;W)?3&]S<V5S7T1E=&%I;'-?,SPO>#I.86UE/@T*("`@
M(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970U
M,2YH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E
M;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/E)E<V5R=F5S7T9O<E],;W-S97-?
M1&5T86EL<U]493PO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(
M4F5F/3-$(E=O<FMS:&5E=',O4VAE970U,BYH=&UL(B\^#0H@("`\+W@Z17AC
M96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.
M86UE/DEN=F5S=&UE;G1?4V5C=7)I=&EE<U]$971A:6QS/"]X.DYA;64^#0H@
M("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E
M=#4S+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X
M8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^26YV97-T;65N=%]396-U<FET
M:65S7T1E=&%I;'-?/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E
M($A2968],T0B5V]R:W-H965T<R]3:&5E=#4T+FAT;6PB+SX-"B`@(#PO>#I%
M>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX
M.DYA;64^26YV97-T;65N=%]396-U<FET:65S7T1E=&%I;'-?,3PO>#I.86UE
M/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O
M4VAE970U-2YH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^#0H@("`\
M>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/DEN=F5S=&UE;G1?4V5C
M=7)I=&EE<U]$971A:6QS7S(\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713
M;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T-38N:'1M;"(O/@T*("`@
M/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@
M("`@/'@Z3F%M93Y);G9E<W1M96YT7U-E8W5R:71I97-?1&5T86EL<U\S/"]X
M.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H
M965T<R]3:&5E=#4W+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-
M"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^07-S971?4V5C
M=7)I=&EZ871I;VYS7T1E=&%I;',\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE
M9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T-3@N:'1M;"(O/@T*
M("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^
M#0H@("`@/'@Z3F%M93Y!<W-E=%]396-U<FET:7IA=&EO;G-?1&5T86EL<U\\
M+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K
M<VAE971S+U-H965T-3DN:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T
M/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y#=7-T;VUE
M<E]$97!O<VET<U]$971A:6QS/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T
M4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#8P+FAT;6PB+SX-"B`@
M(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*
M("`@(#QX.DYA;64^0W5S=&]M97)?1&5P;W-I='-?1&5T86EL<U\Q/"]X.DYA
M;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T
M<R]3:&5E=#8Q+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@
M(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^0W5S=&]M97)?1&5P
M;W-I='-?1&5T86EL<U\R/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U
M<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#8R+FAT;6PB+SX-"B`@(#PO
M>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@
M(#QX.DYA;64^0W5S=&]M97)?1&5P;W-I='-?1&5T86EL<U\S/"]X.DYA;64^
M#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3
M:&5E=#8S+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX
M.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^1&5R:79A=&EV97-?86YD
M7TAE9&=I;F=?06-T:79I,CPO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O
M=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970V-"YH=&UL(B\^#0H@("`\
M+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@
M("`\>#I.86UE/D1E<FEV871I=F5S7V%N9%](961G:6YG7T%C=&EV:3,\+W@Z
M3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE
M971S+U-H965T-C4N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*
M("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y$97)I=F%T:79E
M<U]A;F1?2&5D9VEN9U]!8W1I=FDT/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H
M965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#8V+FAT;6PB+SX-
M"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T
M/@T*("`@(#QX.DYA;64^1&5R:79A=&EV97-?86YD7TAE9&=I;F=?06-T:79I
M-3PO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O
M<FMS:&5E=',O4VAE970V-RYH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE
M970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/D9A:7)?
M5F%L=65S7T1E=&%I;',\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R
M8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T-C@N:'1M;"(O/@T*("`@/"]X
M.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@
M/'@Z3F%M93Y&86ER7U9A;'5E<U]$971A:6QS7S$\+W@Z3F%M93X-"B`@("`\
M>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T-CDN
M:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7
M;W)K<VAE970^#0H@("`@/'@Z3F%M93Y&86ER7U9A;'5E<U]$971A:6QS7S(\
M+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K
M<VAE971S+U-H965T-S`N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T
M/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y&86ER7U9A
M;'5E<U]$971A:6QS7U1E>'1U86QS/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H
M965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#<Q+FAT;6PB+SX-
M"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T
M/@T*("`@(#QX.DYA;64^1W5A<F%N=&5E<U]$971A:6QS/"]X.DYA;64^#0H@
M("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E
M=#<R+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X
M8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^0VAA;F=E<U]I;E]!8V-U;75L
M871E9%]/=&AE<E]#,CPO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C
M92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970W,RYH=&UL(B\^#0H@("`\+W@Z
M17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\
M>#I.86UE/D-H86YG97-?:6Y?06-C=6UU;&%T961?3W1H97)?0S,\+W@Z3F%M
M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S
M+U-H965T-S0N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@
M/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y);F-O;65?5&%X97-?
M1&5T86EL<U]497AT=6%L<SPO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O
M=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970W-2YH=&UL(B\^#0H@("`\
M+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@
M("`\>#I.86UE/D5A<FYI;F=S7U!E<E]#;VUM;VY?4VAA<F5?15!37S$\+W@Z
M3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE
M971S+U-H965T-S8N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*
M("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y.;VY);G1E<F5S
M=%]2979E;G5E7V%N9%]%>'!E;G,R/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H
M965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#<W+FAT;6PB+SX-
M"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T
M/@T*("`@(#QX.DYA;64^3F]N26YT97)E<W1?4F5V96YU95]A;F1?17AP96YS
M,SPO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O
M<FMS:&5E=',O4VAE970W."YH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE
M970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/DYO;DEN
M=&5R97-T7U)E=F5N=65?86YD7T5X<&5N<S0\+W@Z3F%M93X-"B`@("`\>#I7
M;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T-SDN:'1M
M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K
M<VAE970^#0H@("`@/'@Z3F%M93Y.;VY);G1E<F5S=%]2979E;G5E7V%N9%]%
M>'!E;G,U/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968]
M,T0B5V]R:W-H965T<R]3:&5E=#@P+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O
M<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^
M0V]N=&EN9V5N8VEE<U]$971A:6QS7U1E>'1U86QS/"]X.DYA;64^#0H@("`@
M/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#@Q
M+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L
M5V]R:W-H965T/@T*("`@(#QX.DYA;64^4F5P;W)T86)L95]/<&5R871I;F=?
M4V5G;65N='-?/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2
M968],T0B5V]R:W-H965T<R]3:&5E=#@R+FAT;6PB+SX-"B`@(#PO>#I%>&-E
M;%=O<FMS:&5E=#X-"B`@/"]X.D5X8V5L5V]R:W-H965T<SX-"B`@/'@Z4W1Y
M;&5S:&5E="!(4F5F/3-$(E=O<FMS:&5E=',O<F5P;W)T+F-S<R(O/@T*("`\
M>#I!8W1I=F53:&5E=#XP/"]X.D%C=&EV95-H965T/@T*("`\>#I0<F]T96-T
M4W1R=6-T=7)E/D9A;'-E/"]X.E!R;W1E8W13=')U8W1U<F4^#0H@(#QX.E!R
M;W1E8W17:6YD;W=S/D9A;'-E/"]X.E!R;W1E8W17:6YD;W=S/@T*(#PO>#I%
M>&-E;%=O<FMB;V]K/@T*/"]X;6P^/"%;96YD:69=+2T^#0H\+VAE860^#0H@
M(#QB;V1Y/@T*("`@/'`^5&AI<R!P86=E('-H;W5L9"!B92!O<&5N960@=VET
M:"!-:6-R;W-O9G0@17AC96P@6%`@;W(@;F5W97(N/"]P/@T*("`\+V)O9'D^
M#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?.&-C-F-E96-?-#DP8E\T
M,F8Y7S@R9#!?-F$R,S$Q9C<W,#EA#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE
M.B\O+T,Z+SAC8S9C965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y82]7
M;W)K<VAE971S+U-H965T,#$N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O
M9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT
M;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@
M("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$
M)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X
M="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4
M:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@
M(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$,$5.1T%%/@T*("`@("`@
M/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S
M<&%N/3-$,CX\<W1R;VYG/D1O8W5M96YT(&%N9"!%;G1I='D@26YF;W)M871I
M;VX\8G(^/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@
M8V]L<W!A;CTS1#$^.2!-;VYT:',@16YD960\+W1H/@T*("`@("`@("`\=&@@
M8VQA<W,],T1T:"!C;VQS<&%N/3-$,3X\+W1H/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q
M-#QB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y/8W0N(#$W+"`R
M,#$T/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R
M;VYG/D1O8W5M96YT(&%N9"!%;G1I='D@26YF;W)M871I;VX@6T%B<W1R86-T
M73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/D5N=&ET>2!296=I<W1R86YT($YA;64\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B=!345224-!3B!%6%!215-3($-/35!!3ED\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y%;G1I='D@
M0V5N=')A;"!);F1E>"!+97D\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<P,#`P,#`T.38R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^1&]C=6UE;G0@5'EP93PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)S$P+5$\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y$;V-U;65N="!097)I;V0@16YD
M($1A=&4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/E-E<"`S,"P-
M"@D),C`Q-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/D%M96YD;65N="!&;&%G/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG9F%L<V4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y$;V-U;65N="!&:7-C86P@665A<B!&;V-U
M<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)S(P,30\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y$;V-U
M;65N="!&:7-C86P@4&5R:6]D($9O8W5S/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG43,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y#=7)R96YT($9I<V-A;"!996%R($5N9"!$871E
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG+2TQ,BTS,3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D5N
M=&ET>2!796QL+6MN;W=N(%-E87-O;F5D($ES<W5E<CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)UEE<SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D5N=&ET>2!6;VQU;G1A<GD@1FEL
M97)S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG3F\\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y%;G1I
M='D@0W5R<F5N="!297!O<G1I;F<@4W1A='5S/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG665S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^16YT:71Y($9I;&5R($-A=&5G;W)Y/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG3&%R9V4@06-C96QE<F%T
M960@1FEL97(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y%;G1I='D@0V]M;6]N(%-T;V-K+"!3:&%R97,@3W5T<W1A
M;F1I;F<\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#`S-"PV
M-S8L-3$S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO
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M=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N
M="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\
M<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO
M*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A
M9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$
M240P15),04D^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L
M(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^0V]N<V]L:61A=&5D
M(%-T871E;65N=',@;V8@26YC;VUE("A54T0@)"D\8G(^26X@36EL;&EO;G,L
M(&5X8V5P="!3:&%R92!D871A+"!U;FQE<W,@;W1H97)W:7-E('-P96-I9FEE
M9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P
M86X],T0R/C,@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@("`@/'1H(&-L87-S
M/3-$=&@@8V]L<W!A;CTS1#(^.2!-;VYT:',@16YD960\+W1H/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P
M+B`S,"P@,C`Q-#QB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y3
M97`N(#,P+"`R,#$S/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H
M/E-E<"X@,S`L(#(P,30\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$
M=&@^4V5P+B`S,"P@,C`Q,SQB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^/'-T<F]N9SY.;VXM:6YT97)E<W0@<F5V96YU97,\+W-T<F]N
M9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D1I<V-O
M=6YT(')E=F5N=64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@
M-"PY,34\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XD(#0L-C4Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^)"`Q-"PU,#8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XD(#$S+#@R-CQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F5T(&-A<F0@9F5E<SPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-C@P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-C4X/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPP-#$\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#DU
M.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^5')A=F5L(&-O;6UI<W-I;VYS(&%N9"!F965S/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XQ,#0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XT.3`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#`R-SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L-#(R/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y/=&AE<B!C;VUM
M:7-S:6]N<R!A;F0@9F5E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^-C0R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^-C$P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,2PX.#0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ+#<X.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^3W1H97(\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C4Y,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C8P,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C$L-C<Y/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PW,#4\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R974^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A;"!N;VXM:6YT
M97)E<W0@<F5V96YU97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C8L.3,T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^-RPP,3@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XR,2PQ,S<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XR,"PV.3D\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^26YT97)E<W0@:6YC
M;VUE/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y);G1E<F5S="!O;B!L;V%N<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,2PW-3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ+#8Y.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C4L,38P/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-2PP,#,\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN=&5R97-T(&%N9"!D
M:79I9&5N9',@;VX@:6YV97-T;65N="!S96-U<FET:65S/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XT-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C0X/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3,V/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,34S/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y$97!O<VET<R!W:71H
M(&)A;FMS(&%N9"!O=&AE<CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,3<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XR,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C4T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^-C<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;W4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y4;W1A;"!I;G1E<F5S="!I;F-O;64\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C$L.#$U/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PW-C<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU+#,U,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4L,C(S/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\
M<W1R;VYG/DEN=&5R97-T(&5X<&5N<V4\+W-T<F]N9SX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D1E<&]S:71S/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XY,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C$Q,3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(W-CQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,S,CQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3&]N9RUT97)M(&1E
M8G0@86YD(&]T:&5R/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS
M,CD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XS-S,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XQ+#`R-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$L,38S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F]U/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^5&]T86P@:6YT97)E<W0@97AP96YS93PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#(P/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#@T/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PS,#(\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#0Y-3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/DYE="!I;G1E<F5S="!I;F-O;64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C$L,SDU/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,2PR.#,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XT+#`T.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C,L-S(X/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F]U/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P@<F5V96YU97,@
M;F5T(&]F(&EN=&5R97-T(&5X<&5N<V4\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C@L,S(Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^."PS,#$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XR-2PQ.#4\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR-"PT,C<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4')O
M=FES:6]N<R!F;W(@;&]S<V5S/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y#:&%R9V4@8V%R9#PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,3DV/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,34Y/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-3DT/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#<T/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#87)D($UE;6)E<B!L
M;V%N<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C8U/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C0X/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-SDW
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M.#(U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y/=&AE<CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ
M,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C<Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^-30\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R974^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y4;W1A;"!P<F]V:7-I;VYS(&9O<B!L;W-S97,\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C0X.#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0Q.3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L-#8R/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PS-3,\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M;W4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A
M;"!R979E;G5E<R!N970@;V8@:6YT97)E<W0@97AP96YS92!A9G1E<B!P<F]V
M:7-I;VYS(&9O<B!L;W-S97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C<L.#0Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^-RPX.#(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XR,RPW,C,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XR,RPP-S0\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^17AP96YS97,\
M+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/DUA<FME=&EN9RP@<')O;6]T:6]N+"!R97=A<F1S(&%N9"!#87)D($UE;6)E
M<B!S97)V:6-E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPW
M,#D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XR+#8T,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C@L,#<V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^-RPU-3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/E-A;&%R:65S(&%N9"!E;7!L;WEE92!B96YE
M9FET<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PR.3`\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#4T
M-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C0L-#@X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^-"PW,#(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/D]T:&5R+"!N970\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$L-3DV/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,2PV.3$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XT+#,Y,SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0L.3$Q/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F5U/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P@97AP96YS
M97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4L-3DU/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-2PX-S@\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ
M-BPY-3<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XQ-RPQ-C8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;W4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y0<F5T87@@:6YC;VUE/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XR+#(T-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C(L,#`T/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-BPW-C8\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU+#DP.#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YC;VUE('1A
M>"!P<F]V:7-I;VX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C<V
M.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C8S.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C(L,S(X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,2PX-3<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;W4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y.970@:6YC;VUE/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XD(#$L-#<W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q+#,V-CQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-"PT,S@\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#0L,#4Q/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\
M<W1R;VYG/D5A<FYI;F=S(%!E<B!#;VUM;VX@4VAA<F4L($)A<VEC(%M!8G-T
M<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/DEN8V]M92!F<F]M(&-O;G1I;G5I;F<@;W!E<F%T:6]N<R!A='1R
M:6)U=&%B;&4@=&\@8V]M;6]N('-H87)E:&]L9&5R<SPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^)"`Q+C0Q/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q+C(V/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`T+C$Y/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`S+C8Y/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\
M<W1R;VYG/D5A<FYI;F=S(%!E<B!#;VUM;VX@4VAA<F4L($1I;'5T960@6T%B
M<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^26YC;VUE(&9R;VT@8V]N=&EN=6EN9R!O<&5R871I;VYS(&%T
M=')I8G5T86)L92!T;R!C;VUM;VX@<VAA<F5H;VQD97)S/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XD(#$N-#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,2XR-3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-"XQ-SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,RXV-SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M/'-T<F]N9SY!=F5R86=E(&-O;6UO;B!S:&%R97,@;W5T<W1A;F1I;F<@9F]R
M(&5A<FYI;F=S('!E<B!C;VUM;VX@<VAA<F4Z/"]S=')O;F<^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y"87-I8SPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,2PP-#$L,#`P+#`P,#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L,#<T+#`P,"PP
M,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XQ+#`U,2PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,2PP.#<L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1&EL=71E9#PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PP-#<L,#`P+#`P,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L,#@Q+#`P
M,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XQ+#`U-RPP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,2PP.30L,#`P+#`P,#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V%S:"!D:79I9&5N
M9',@9&5C;&%R960@<&5R(&-O;6UO;B!S:&%R93PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^)"`P+C(V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^)"`P+C(S/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`P+C<U/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`P+C8V/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO
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M>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A
M9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E
M;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4]
M,T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M
M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^
M#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P14A%04,^#0H@
M("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q
M(')O=W-P86X],T0R/CQS=')O;F<^0V]N<V]L:61A=&5D(%-T871E;65N=',@
M;V8@26YC;VUE("A087)E;G1H971I8V%L*2`H55-$("0I/&)R/DEN($UI;&QI
M;VYS+"!U;FQE<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0R/C,@36]N=&AS
M($5N9&5D/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS
M1#(^.2!-;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q-#QB<CX\
M+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$S/&)R
M/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\
M8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q
M,SQB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N
M9SY#;VYS;VQI9&%T960@4W1A=&5M96YT<R!O9B!);F-O;64@6T%B<W1R86-T
M73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^16%R;FEN9W,@86QL;V-A=&5D('1O('!A<G1I8VEP871I;F<@<VAA<F4@
M87=A<F1S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$Q/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q
M,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/B0@,S4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XD(#,V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
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M"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N
M=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX
M)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ
M<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO
M:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED
M/3-$240P15-'044^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS
M1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^0V]N<V]L:61A
M=&5D(%-T871E;65N=',@;V8@0V]M<')E:&5N<VEV92!);F-O;64@*%531"`D
M*3QB<CY);B!-:6QL:6]N<RP@=6YL97-S(&]T:&5R=VES92!S<&5C:69I960\
M+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N
M/3-$,CXS($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS
M1'1H(&-O;'-P86X],T0R/CD@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@
M,S`L(#(P,30\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P
M+B`S,"P@,C`Q,SQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y3
M97`N(#,P+"`R,#$T/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H
M/E-E<"X@,S`L(#(P,3,\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/CQS=')O;F<^0V]N<V]L:61A=&5D(%-T871E;65N=',@;V8@0V]M
M<')E:&5N<VEV92!);F-O;64@6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F5T(&EN8V]M93PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q+#0W-SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,2PS-C8\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#0L
M-#,X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^)"`T+#`U,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^/'-T<F]N9SY/=&AE<B!C;VUP<F5H96YS:79E("AL;W-S
M*2!I;F-O;64Z/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y.970@=6YR96%L:7IE9"!S96-U<FET:65S("AL;W-S97,I
M(&=A:6YS+"!N970@;V8@=&%X/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M/B@Q,2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M/B@T."D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XS,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6T^*#(Q,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/D9O<F5I9VX@8W5R<F5N8WD@=')A;G-L871I
M;VX@861J=7-T;65N=',L(&YE="!O9B!T87@\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6T^*#$V-RD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XQ,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6T^*#$Y-2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M/B@R-C(I/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.970@=6YR96%L:7IE9"!P
M96YS:6]N(&%N9"!O=&AE<B!P;W-T<F5T:7)E;65N="!B96YE9FET(&=A:6YS
M+"!N970@;V8@=&%X/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XW
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C0X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^-C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R974^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y/=&AE<B!C;VUP<F5H96YS:79E("AL;W-S*2!I;F-O;64\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$W,2D\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@S,2D\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q,38I/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH-#$R*3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/D-O;7!R96AE;G-I=F4@:6YC;VUE/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XD(#$L,S`V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^)"`Q+#,S-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-"PS,C(\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#,L-C,Y/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D
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M:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-
M"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0]
M,T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T
M97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E
M(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@
M("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P14Q+04,^#0H@("`@
M("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O
M=W-P86X],T0R/CQS=')O;F<^0V]N<V]L:61A=&5D(%-T871E;65N=',@;V8@
M0V]M<')E:&5N<VEV92!);F-O;64@*%!A<F5N=&AE=&EC86PI("A54T0@)"D\
M8G(^26X@36EL;&EO;G,L('5N;&5S<R!O=&AE<G=I<V4@<W!E8VEF:65D/"]S
M=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS
M1#(^,R!-;VYT:',@16YD960\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T
M:"!C;VQS<&%N/3-$,CXY($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y397`N(#,P
M+"`R,#$T/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@
M,S`L(#(P,3,\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P
M+B`S,"P@,C`Q-#QB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y3
M97`N(#,P+"`R,#$S/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/D]T:&5R($-O;7!R96AE;G-I=F4@26YC;VUE($QO<W,@
M5&5X='5A;',@6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^3F5T('5N<F5A;&EZ960@<V5C=7)I=&EE
M<R!G86EN<R`H;&]S<V5S*2P@=&%X/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M/B0@*#4I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;3XD("@S,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XD(#$Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;3XD("@Q,C`I/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y&;W)E:6=N(&-U<G)E;F-Y
M('1R86YS;&%T:6]N(&%D:G5S=&UE;G1S+"!T87@\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C$Q.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6T^*#0X*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C0Q/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.#,\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYE="!U;G)E86QI>F5D('!E
M;G-I;VX@86YD(&]T:&5R('!O<W1R971I<F5M96YT(&)E;F5F:70@9V%I;G,L
M('1A>#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Y/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`V/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`R
M.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/B0@,S<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T
M86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T
M7SAC8S9C965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y80T*0V]N=&5N
M="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X8V,V8V5E8U\T.3!B7S0R9CE?.#)D
M,%\V83(S,3%F-S<P.6$O5V]R:W-H965T<R]3:&5E=#`V+FAT;6P-"D-O;G1E
M;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E
M;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT
M;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT
M+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS
M8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J
M($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D
M/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)
M1#!%2U%!1SX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@
M8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#$^/'-T<F]N9SY#;VYS;VQI9&%T960@
M0F%L86YC92!3:&5E=',@*%531"`D*3QB<CY);B!-:6QL:6]N<RP@=6YL97-S
M(&]T:&5R=VES92!S<&5C:69I960\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\
M=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$T/&)R/CPO=&@^#0H@("`@("`@
M(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^0V%S:"!A;F0@8V%S:"!E
M<75I=F%L96YT<SPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/D-A<V@@86YD(&-A<V@@9'5E(&9R;VT@8F%N:W,\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,BPS,#`\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#(L,C$R/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G1E
M<F5S="UB96%R:6YG(&1E<&]S:71S(&EN(&]T:&5R(&)A;FMS("AI;F-L=61I
M;F<@<V5C=7)I=&EE<R!P=7)C:&%S960@=6YD97(@<F5S86QE(&%G<F5E;65N
M=',I/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ."PW-S(\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-BPW
M-S8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/E-H;W)T+71E<FT@:6YV97-T;65N="!S96-U<FET:65S/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ.3(\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT.3@\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R974^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A;"!C87-H(&%N
M9"!C87-H(&5Q=6EV86QE;G1S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XR,2PR-C0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ.2PT.#8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^06-C;W5N=',@<F5C96EV86)L
M93PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/D-A<F0@365M8F5R(')E8V5I=F%B;&5S("AI;F-L=61E<R!G<F]S<R!R96-E
M:79A8FQE<R!A=F%I;&%B;&4@=&\@<V5T=&QE(&]B;&EG871I;VYS(&]F(&$@
M8V]N<V]L:61A=&5D('9A<FEA8FQE(&EN=&5R97-T(&5N=&ET>2DL(&QE<W,@
M<F5S97)V97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0T+#8X
M-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C0S+#<W-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^3W1H97(@<F5C96EV86)L97,L(&QE<W,@<F5S97)V97,\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L-C,Q/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,RPT,#@\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O
M;F<^3&]A;G,\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y#87)D($UE;6)E<B!L;V%N<RP@*&EN8VQU9&5S(&=R;W-S(&QO
M86YS(&%V86EL86)L92!T;R!S971T;&4@;V)L:6=A=&EO;G,@;V8@82!C;VYS
M;VQI9&%T960@=F%R:6%B;&4@:6YT97)E<W0@96YT:71Y*2P@;&5S<R!R97-E
M<G9E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-C0L.3$Q/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-C4L
M.3<W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y/=&AE<B!L;V%N<RP@;&5S<R!R97-E<G9E<SPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^.#4U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^-C`X/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G9E<W1M96YT('-E8W5R:71I
M97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0L-S4P/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-2PP,38\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/E!R96UI<V5S(&%N9"!E<75I<&UE;G0L(&QE<W,@86-C=6UU;&%T960@9&5P
M<F5C:6%T:6]N(&%N9"!A;6]R=&EZ871I;VX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C,L.3(Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,RPX-S4\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D]T:&5R(&%S<V5T<R`H:6YC;'5D
M97,@<F5S=')I8W1E9"!C87-H(&]F(&-O;G-O;&ED871E9"!V87)I86)L92!I
M;G1E<F5S="!E;G1I=&EE<RD\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$P+#@T-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$Q+#(R.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E=3X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/E1O=&%L(&%S<V5T<SPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,34S+#@V,CQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$U,RPS-S4\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^3&EA
M8FEL:71I97,\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y#=7-T;VUE<B!D97!O<VET<SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^-#(L-S`S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^-#$L-S8S/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4<F%V96QE<G,@0VAE<75E<R!A
M;F0@;W1H97(@<')E<&%I9"!P<F]D=6-T<SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,RPU,SD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XT+#(T,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^06-C;W5N=',@<&%Y86)L93PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3$L-3$P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3`L-C$U/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y3:&]R
M="UT97)M(&)O<G)O=VEN9W,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C,L,S@R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^-2PP,C$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/DQO;F<M=&5R;2!D96)T("AI;F-L=61E<R!D96)T
M(&ES<W5E9"!B>2!C;VYS;VQI9&%T960@=F%R:6%B;&4@:6YT97)E<W0@96YT
M:71I97,I/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU-2PW,3(\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU
M-2PS,S`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/D]T:&5R(&QI86)I;&ET:65S/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ-BPX,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XQ-BPY,3`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R974^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A;"!L:6%B:6QI=&EE<SPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3,S+#8T-CQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$S,RPX-SD\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/CQS=')O;F<^4VAA<F5H;VQD97)S)R!%<75I='D\+W-T<F]N9SX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#;VUM;VX@<VAA<F5S/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR,#<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR,3,\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%D9&ET:6]N
M86P@<&%I9"UI;B!C87!I=&%L/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XQ,BPR,38\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ,BPR,#(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/E)E=&%I;F5D(&5A<FYI;F=S/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XY+#,S-3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C@L-3`W/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D%C
M8W5M=6QA=&5D(&]T:&5R(&-O;7!R96AE;G-I=F4@:6YC;VUE("AL;W-S*3PO
M<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYE
M="!U;G)E86QI>F5D('-E8W5R:71I97,@9V%I;G,L(&YE="!O9B!T87@\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/CDT/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-C,\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D9O<F5I9VX@8W5R
M<F5N8WD@=')A;G-L871I;VX@861J=7-T;65N=',L(&YE="!O9B!T87@\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$L,C@U*3QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$L,#DP*3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F5T
M('5N<F5A;&EZ960@<&5N<VEO;B!A;F0@;W1H97(@<&]S=')E=&ER96UE;G0@
M8F5N969I="!L;W-S97,L(&YE="!O9B!T87@\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6T^*#,U,2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M/B@S.3DI/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F]U/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P@86-C=6UU;&%T960@;W1H
M97(@8V]M<')E:&5N<VEV92!L;W-S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M/B@Q+#4T,BD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M/B@Q+#0R-BD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R974^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A;"!S:&%R96AO;&1E<G,G(&5Q
M=6ET>3PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C`L,C$V/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3DL
M-#DV/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F]U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^5&]T86P@;&EA8FEL:71I97,@86YD('-H87)E:&]L9&5R<R<@97%U
M:71Y/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$U,RPX-C(\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD
M(#$U,RPS-S4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'10
M87)T7SAC8S9C965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y80T*0V]N
M=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X8V,V8V5E8U\T.3!B7S0R9CE?
M.#)D,%\V83(S,3%F-S<P.6$O5V]R:W-H965T<R]3:&5E=#`W+FAT;6P-"D-O
M;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O
M;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*
M/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT
M96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G
M/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS
M/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H
M96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60]
M,T1)1#!%2U!!1SX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$
M=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#$^/'-T<F]N9SY#;VYS;VQI9&%T
M960@0F%L86YC92!3:&5E=',@*%!A<F5N=&AE=&EC86PI("A54T0@)"D\8G(^
M26X@36EL;&EO;G,L(&5X8V5P="!3:&%R92!D871A+"!U;FQE<W,@;W1H97)W
M:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S
M<STS1'1H/E-E<"X@,S`L(#(P,30\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L
M87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^0V%R9"!-96UB97(@<F5C96EV86)L97,L(&=R;W-S
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#0U+#$Q-SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-#0L
M,38S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y#87)D($UE;6)E<B!L;V%N<RP@9W)O<W,\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C8V+#`U-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C8W+#(S.#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3W1H97(@87-S971S/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,"PX-#4\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,2PR,C@\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E-H
M;W)T+71E<FT@8F]R<F]W:6YG<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,RPS.#(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XU+#`R,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^3&]N9RUT97)M(&1E8G0\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C4U+#<Q,CQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4U+#,S,#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY#87-H
M(&%N9"!C87-H(&5Q=6EV86QE;G1S/"]S=')O;F<^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^4V5C=7)I=&EE<R!P=7)C:&%S960@=6YD
M97(@<F5S86QE(&%G<F5E;65N=',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C(S,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$T,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^/'-T<F]N9SY!8V-O=6YT<R!R96-E:79A8FQE/"]S
M=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V%R
M9"!-96UB97(@<F5C96EV86)L97,L(')E<V5R=F5S/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XT,S(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XS.#8\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D]T:&5R(')E8V5I=F%B;&5S+"!R
M97-E<G9E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#0\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XW,3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M/'-T<F]N9SY,;V%N<SPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/D-A<F0@365M8F5R(&QO86YS+"!R97-E<G9E<SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PQ-#8\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#(V,3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3W1H97(@
M;&]A;G,L(')E<V5R=F5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XQ,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y!8V-U;75L871E9"!D97!R96-I871I;VX@86YD(&%M;W)T:7IA
M=&EO;CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-BPS,C<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU+#DW
M.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^4F5S=')I8W1E9"!C87-H/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XT-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C4X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y#;VUM;VX@<VAA<F5S+"!P87(@=F%L=64\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,"XR/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`P+C(\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-O;6UO;B!S:&%R
M97,L(&%U=&AO<FEZ960\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C,L-C`P+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XS+#8P,"PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#;VUM;VX@<VAA<F5S+"!I
M<W-U960\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L,#,U+#`P
M,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XQ+#`V-"PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y#;VUM;VX@<VAA<F5S+"!O=71S=&%N9&EN
M9SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PP,S4L,#`P+#`P
M,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C$L,#8T+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^06-C=6UU;&%T960@;W1H97(@8V]M
M<')E:&5N<VEV92!I;F-O;64@*&QO<W,I/"]S=')O;F<^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F5T('5N<F5A;&EZ960@<V5C=7)I
M=&EE<R!G86EN<RP@=&%X/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XU,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C,S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y&;W)E:6=N(&-U<G)E;F-Y('1R86YS;&%T:6]N(&%D:G5S=&UE
M;G1S+"!T87@\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#0X-2D\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@U
M,C8I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y.970@=6YR96%L:7IE9"!P96YS:6]N(&%N9"!O=&AE<B!P;W-T<F5T
M:7)E;65N="!B96YE9FET(&QO<W-E<RP@=&%X/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M/B@Q-#@I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;3XH,3<W*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5F%R:6%B;&4@26YT97)E<W0@16YT
M97)P<FES92!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/D-A<F0@365M8F5R(')E8V5I=F%B;&5S+"!G<F]S<SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-BPR-3,\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XW+#,R.3QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V%R9"!-96UB
M97(@;&]A;G,L(&=R;W-S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XR."PS,3`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XS,2PR-#4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/E-H;W)T+71E<FT@8F]R<F]W:6YG<SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L,#`P/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y,;VYG+71E<FT@9&5B
M=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,34L-3`Q/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3@L-CDP
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#X\<W1R;VYG/DQO86YS/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^4F5S=')I8W1E9"!C87-H/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XD(#0T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^)"`U.#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^
M#0H-"BTM+2TM+3U?3F5X=%!A<G1?.&-C-F-E96-?-#DP8E\T,F8Y7S@R9#!?
M-F$R,S$Q9C<W,#EA#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+SAC
M8S9C965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y82]7;W)K<VAE971S
M+U-H965T,#@N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O
M=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S
M970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@
M:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M
M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R
M:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE
M;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C
M;&%S<STS1')E<&]R="!I9#TS1$E$,$5"4D%'/@T*("`@("`@/'1R/@T*("`@
M("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\
M<W1R;VYG/D-O;G-O;&ED871E9"!3=&%T96UE;G1S(&]F($-A<V@@1FQO=W,@
M*%531"`D*3QB<CY);B!-:6QL:6]N<RP@=6YL97-S(&]T:&5R=VES92!S<&5C
M:69I960\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C
M;VQS<&%N/3-$,CXY($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R
M,#$T/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L
M(#(P,3,\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS
M=')O;F<^0V%S:"!&;&]W<R!F<F]M($]P97)A=&EN9R!!8W1I=FET:65S/"]S
M=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F5T
M(&EN8V]M93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`T+#0S
M.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/B0@-"PP-3$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/CQS=')O;F<^061J=7-T;65N=',@=&\@<F5C;VYC:6QE(&YE
M="!I;F-O;64@=&\@;F5T(&-A<V@@<')O=FED960@8GD@;W!E<F%T:6YG(&%C
M=&EV:71I97,Z/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^4')O=FES:6]N<R!F;W(@;&]S<V5S/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XQ+#0V,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C$L,S4S/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y$97!R96-I871I;VX@86YD
M(&%M;W)T:7IA=&EO;CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M-S8T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^-S8S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y$969E<G)E9"!T87AE<R!A;F0@;W1H97(\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6T^*#0Y-RD\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q,3$I/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y3=&]C:RUB87-E9"!C;VUP
M96YS871I;VX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(Q,#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(W
M-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^/'-T<F]N9SY#:&%N9V5S(&EN(&]P97)A=&EN9R!A<W-E=',@86YD(&QI
M86)I;&ET:65S+"!N970@;V8@969F96-T<R!O9B!A8W%U:7-I=&EO;G,@86YD
M(&1I<W!O<VET:6]N<SH\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y/=&AE<B!R96-E:79A8FQE<SPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,C<U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;3XH,S@I/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y/=&AE<B!A<W-E=',\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C@U,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L-#,R/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!8V-O=6YT<R!P
M87EA8FQE(&%N9"!O=&AE<B!L:6%B:6QI=&EE<SPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,2PW.3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XY.#$\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1R879E;&5R<R!#:&5Q=65S(&%N
M9"!O=&AE<B!P<F5P86ED('!R;V1U8W1S/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M/B@W,#DI/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;3XH-3`S*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E=3X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYE="!C87-H('!R;W9I9&5D(&)Y(&]P
M97)A=&EN9R!A8W1I=FET:65S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XX+#4X-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C@L,C`S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D-A<V@@1FQO=W,@9G)O;2!);G9E
M<W1I;F<@06-T:79I=&EE<SPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/E-A;&4@;V8@:6YV97-T;65N=',\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C$R,CQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$W-3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^36%T=7)I='D@86YD(')E
M9&5M<'1I;VX@;V8@:6YV97-T;65N=',\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/CDV-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C@U-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^4'5R8VAA<V4@;V8@:6YV97-T;65N=',\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#@R-2D\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@X-S,I/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.970@*&EN
M8W)E87-E*2!I;B!#87)D($UE;6)E<B!L;V%N<R]R96-E:79A8FQE<SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,BPS-#DI/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH-SDQ*3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4'5R8VAA
M<V4@;V8@<')E;6ES97,@86YD(&5Q=6EP;65N="P@;F5T(&]F('-A;&5S/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@X-30I/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH-C,U*3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^06-Q=6ES
M:71I;VYS+V1I<W!O<VET:6]N<RP@;F5T(&]F(&-A<V@@86-Q=6ER960\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$S,"D\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q-S`I/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.970@:6YC
M<F5A<V4@*&1E8W)E87-E*2!I;B!R97-T<FEC=&5D(&-A<V@\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/CDP/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,CDI/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F]U/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F5T(&-A<V@@=7-E9"!I
M;B!I;G9E<W1I;F<@86-T:79I=&EE<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;3XH,BPY.#`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;3XH,2PT-C<I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D-A<V@@1FQO=W,@9G)O
M;2!&:6YA;F-I;F<@06-T:79I=&EE<SPO<W1R;VYG/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYE="!I;F-R96%S92!I;B!C=7-T;VUE
M<B!D97!O<VET<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.3$W
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,BPS,#,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/DYE="`H9&5C<F5A<V4I(&EN('-H;W)T+71E<FT@8F]R<F]W:6YG
M<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,2PU.34I/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-3$\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DES
M<W5A;F-E(&]F(&QO;F<M=&5R;2!D96)T/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ,2PS,CD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XW+#@X-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4')I;F-I<&%L('!A>6UE;G1S(&]N
M(&QO;F<M=&5R;2!D96)T/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M/B@Q,"PV-3DI/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;3XH,3,L-#DR*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^27-S=6%N8V4@;V8@06UE<FEC86X@17AP<F5S
M<R!C;VUM;VX@<VAA<F5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XR-3$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XU-3(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/E)E<'5R8VAA<V4@;V8@06UE<FEC86X@17AP<F5S<R!C;VUM
M;VX@<VAA<F5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@S+#(P
M-2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M/B@S+#(P,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/D1I=FED96YD<R!P86ED/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M/B@W-S`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;3XH-CDS*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E=3X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYE="!C87-H('5S960@:6X@9FEN86YC
M:6YG(&%C=&EV:71I97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^
M*#,L-S,R*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6T^*#8L-3DR*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^169F96-T(&]F(&5X8VAA;F=E(')A=&4@8VAA;F=E
M<R!O;B!C87-H(&%N9"!C87-H(&5Q=6EV86QE;G1S/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M/B@Y-BD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M/B@Q,#@I/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F5U/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F5T(&EN8W)E87-E("AD96-R
M96%S92D@:6X@8V%S:"!A;F0@8V%S:"!E<75I=F%L96YT<SPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,2PW-S@\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS-CQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V%S:"!A;F0@8V%S:"!E
M<75I=F%L96YT<R!A="!B96=I;FYI;F<@;V8@<&5R:6]D/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ.2PT.#8\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR,BPR-3`\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-A<V@@86YD(&-A
M<V@@97%U:79A;&5N=',@870@96YD(&]F('!E<FEO9#PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^)"`R,2PR-C0\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#(R+#(X-CQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^
M#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?.&-C-F-E96-?-#DP8E\T
M,F8Y7S@R9#!?-F$R,S$Q9C<W,#EA#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE
M.B\O+T,Z+SAC8S9C965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y82]7
M;W)K<VAE971S+U-H965T,#DN:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O
M9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT
M;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@
M("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$
M)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X
M="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4
M:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@
M(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$,$5'2#X-"B`@("`@(#QT
M<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A
M;CTS1#(^/'-T<F]N9SY#;VYS;VQI9&%T960@4W1A=&5M96YT<R!O9B!#87-H
M($9L;W=S("A087)E;G1H971I8V%L*2`H55-$("0I/&)R/DEN($UI;&QI;VYS
M+"!U;FQE<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0R/CD@36]N=&AS($5N
M9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^#0H@("`@("`@(#QT
M:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\8G(^/"]T:#X-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q,SQB<CX\+W1H/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY#;VYS;VQI9&%T960@4W1A
M=&5M96YT<R!O9B!#87-H($9L;W=S(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y386QE(&]F('!R96UI
M<V5S(&%N9"!E<75I<&UE;G0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/B0@,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/B0@-S0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE
M>'1087)T7SAC8S9C965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y80T*
M0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X8V,V8V5E8U\T.3!B7S0R
M9CE?.#)D,%\V83(S,3%F-S<P.6$O5V]R:W-H965T<R]3:&5E=#$P+FAT;6P-
M"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-
M"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-
M"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#
M;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F
M+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W
M+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^
M/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@
M:60],T1)1#!%344^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS
M1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^4W5M;6%R>2!O
M9B!3:6=N:69I8V%N="!!8V-O=6YT:6YG(%!O;&EC:65S/&)R/CPO<W1R;VYG
M/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0Q/CD@
M36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\8G(^/"]T:#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^1&ES8VQO<W5R
M92!497AT($)L;V-K(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/D)A<VES(&]F(%!R97-E;G1A=&EO;CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQD:78^/'`@<W1Y;&4]
M,T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HT+C5P=#MM87)G:6XM
M8F]T=&]M.C!P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O
M;G0M=V5I9VAT.F)O;&0[;6%R9VEN+6QE9G0Z+3$T+C1P=#LG(#XQ/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3%P=#MF;VYT+7=E:6=H=#IB;VQD.R<@/BX@($)A<VES(&]F
M(%!R97-E;G1A=&EO;CPO9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N
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M+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
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M.C$Q<'0[)R`^169F96-T:79E($IU;'D@,2P@,C`Q-"P@8G5S:6YE<W,@=')A
M=F5L+7)E;&%T960@<V5R=FEC97,@87)E(&]F9F5R960@=&AR;W5G:"!T:&4@
M;F]N+6-O;G-O;&ED871E9"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
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M<R!W97)E('!R979I;W5S;'D@=VAO;&QY(&]W;F5D+B`\+V9O;G0^/&9O;G0@
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M<'0[(#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN
M+71O<#HP<'0[;6%R9VEN+6)O='1O;3HP<'0[;&EN92UH96EG:'0Z,3)P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F=#HP<'0[)R`^5&AE(&%C8V]M<&%N
M>6EN9R!#;VYS;VQI9&%T960@1FEN86YC:6%L(%-T871E;65N=',@<VAO=6QD
M(&)E(')E860@:6X@8V]N:G5N8W1I;VX@=VET:"!T:&4@9FEN86YC:6%L('-T
M83PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^=&5M96YT<R!I;F-O<G!O<F%T960@
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M<B`S,2P\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B`\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,7!T.R<@/C(P,3,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B`H=&AE(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[)R`^06YN=6%L(%)E<&]R=#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^*2X\+V9O;G0^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ
M=7-T:69Y.VQI;F4M:&5I9VAT.C$R<'0[(#X\+W`^/'`@<W1Y;&4],T1T97AT
M+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HP
M<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F
M=#HP<'0[)R`^5&AE(&EN=&5R:6T@8V]N<V]L:61A=&5D(&9I;F%N8VEA;"!I
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M+6AE:6=H=#HQ,G!T.R`^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T
M:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,'!T.VQI;F4M:&5I
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M06UE<FEC82`H1T%!4"D@<F5Q=6ER97,@;6%N86=E;65N="!T;R!M86ME(&5S
M=&EM871E<R!A;F0@87-S=6UP=&EO;G,@=&AA="!A9F9E8W0@=&AE(')E<&]R
M=&5D(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^86UO=6YT<R!O9B!A<W-E=',L
M(&QI86)I;&ET:65S+"!R979E;G5E(&%N9"!E>'!E;G-E+"!A;F0@=&AE(&1I
M<V-L;W-U<F5S(&]F(&-O;G1I;F=E;G0@87-S971S(&%N9"!L:6%B:6QI=&EE
M<RX@5&AE<V4@86-C;W5N=&EN9R!E<W1I;6%T97,@<F5F;&5C="!T:&4@8F5S
M="!J=61G;65N="!O9B!M86YA9V5M96YT+"!B=70@86-T=6%L(')E<W5L=',@
M8V]U;&0@9&EF9F5R+CPO9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N
M.FIU<W1I9GD[;&EN92UH96EG:'0Z,3)P=#L@/CPO<#X\<"!S='EL93TS1'1E
M>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M
M.C!P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.VUA<F=I;BUL
M969T.C!P=#LG(#Y#97)T86EN(')E8VQA<W-I9FEC871I;VYS(&]F('!R:6]R
M('!E<FEO9"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
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M87-H(&9L;W=S+CPO9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU
M<W1I9GD[;6%R9VEN+71O<#HY<'0[;6%R9VEN+6)O='1O;3HV<'0[;&EN92UH
M96EG:'0Z,3,N.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[
M=&5X="UD96-O<F%T:6]N.G5N9&5R;&EN93MM87)G:6XM;&5F=#HP<'0[)R`^
M4F5C96YT;'D@27-S=65D($%C8V]U;G1I;F<@4W1A;F1A<F1S/"]F;VYT/CPO
M<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P
M=#MM87)G:6XM8F]T=&]M.C!P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.VUA<F=I;BUL969T.C!P=#LG(#Y!8V-O=6YT:6YG(%-T86YD87)D
M<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(%5P9&%T92!.;RX@,C`Q-"TP.2P@
M4F5V96YU92!296-O9VYI=&EO;B`H5&]P:6,@-C`V*3H@4F5V96YU92!F<F]M
M($-O;G1R86-T<R!W:71H($-U<W1O;65R<R!W87,@:7-S=65D(&]N($UA>2`R
M."P@,C`Q-"XF(S$V,#L@5&AE(&=U:61A;F-E(&5S=&%B;&ES:&5S('1H92!P
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M.C$Q<'0[)R`^=F5N=65S(&%N9"!R96QA=&5D(&-A<V@@9FQO=W,N)B,Q-C`[
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M,7!T.R<@/FEV92!*86YU87)Y(#$L(#(P,3<N)B,Q-C`[/"]F;VYT/CQF;VYT
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M.R<@/B`\+V9O;G0^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y
M.VQI;F4M:&5I9VAT.C$R<'0[(#X\+W`^/"]D:78^/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO
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M8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\
M345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X
M="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA
M=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@
M0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A
M8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P14U%/@T*("`@("`@/'1R/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$
M,CX\<W1R;VYG/D1I=F5S=&ET=7)E<SQB<CX\+W-T<F]N9SX\+W1H/@T*("`@
M("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,3XY($UO;G1H<R!%;F1E
M9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@
M8VQA<W,],T1T:#Y397`N(#,P+"`R,#$T/&)R/CPO=&@^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D)U<VEN97-S($-O;6)I;F%T:6]N
M($1I<V-L;W-U<F4@6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^1&EV97-T:71U<F5S/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/&1I=CX\<"!S='EL93TS1'1E>'0M86QI
M9VXZ;&5F=#MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C$P<'0[;&EN
M92UH96EG:'0Z,3,N.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O
M;&0[;6%R9VEN+6QE9G0Z,'!T.R<@/C(N($1I=F5S=&ET=7)E<SPO9F]N=#X\
M+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP
M<'0[;6%R9VEN+6)O='1O;3HP<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3%P=#MM87)G:6XM;&5F=#HP<'0[)R`^3VX@2G5N92`S,"P@,C`Q-"P@
M=&AE($-O;7!A;GD@8V]M<&QE=&5D(#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^
M82!T<F%N<V%C=&EO;B!T;R!E<W1A8FQI<V@@82!N;VXM8V]N<V]L:61A=&5D
M(&IO:6YT('9E;G1U<F4L/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#X@/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3%P=#LG(#Y'0E0@2E8L(&-O;7!R:7-I;F<@=&AE(&9O<FUE
M<B!';&]B86P@0G5S:6YE<W,@5')A=F5L("@\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.R<@/D="5#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^*2!O<&5R871I;VYS(&]F
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M9F]N="US:7IE.C$Q<'0[)R`^-3`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/G!E<F-E;G0@;W=N97)S:&EP(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[)R`^:6YT97)E<W0\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/FEN('1H92!'0E0@2E8@/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#LG(#YW:71H(&%N(&5S=&EM871E9#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^9F%I<B!V
M86QU92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
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M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^87!P<F]X:6UA=&5L>2`D/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#LG(#XY,#`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
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M86X[9F]N="US:7IE.C$Q<'0[)R`^969F96-T:79E(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^2G5N92`S,"P@,C`Q-"P@/"]F;VYT/CQF;VYT('-T>6QE/3-$
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M9F]N="US:7IE.C$Q<'0[)R`^=')I8G5T:6]N/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P
M=#LG(#X@;V8@)#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^.3`P/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3%P=#LG(#X@;6EL;&EO;B!P86ED(&EN=&\@=&AE(#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[)R`^1T)4($I6/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#XL
M(&$\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/FX@=6YR96QA=&5D/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3%P=#LG(#X@:6YV97-T;W(@9W)O=7`@:&]L9',@=&AE(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[)R`^<F5M86EN:6YG(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[)R`^-3`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.R<@/G!E<F-E;G0@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YO=VYE
M<G-H:7`@:6YT97)E<W0N)B,Q-C`[5&AE(&EN=F5S=&]R(&=R;W5P)B,X,C$W
M.W,@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YC87-H(&-O;G1R:6)U=&EO;B!P
M<F]V:61E<R!T:&4@<')I;6%R>2!B87-I<R!F;W(@=&AE($-O;7!A;GDF(S@R
M,3<[<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(&1E=&5R;6EN871I;VX@;V8@
M=&AE(&5S=&EM871E9"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/F9A:7(@=F%L
M=64@;V8@:71S(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^-3`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.R<@/B!P97)C96YT/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#X@
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YO=VYE<G-H:7`@:6YT97)E<W0N/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#LG(#XF(S$V,#L@/"]F;VYT/CPO<#X\<"!S='EL
M93TS1'1E>'0M86QI9VXZ;&5F=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/"]P/CQP
M('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA
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M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^
M;F5T(&%S<V5T<R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/F%N9"!R96-O9VYI
M>F5D(&$@;F5T(&=A:6X@;V8@)#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^-C(V
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#X@;6EL;&EO;B`H)#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[)R`^-#`Y/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#X@;6EL;&EO
M;B!A9G1E<B!T87@I+"!W:&EC:"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/G=A
M<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(')E<&]R=&5D(&%S/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3%P=#LG(#X@82!R961U8W1I;VX@=&\@;SPO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^=&AE<B!E>'!E;G-E/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#X@
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YF;W(@=#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[)R`^:&4@<75A<G1E<B!E;F1E9"!*=6YE(#,P+"`R,#$T+B`\+V9O;G0^
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M.R`^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT
M;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,'!T.VQI;F4M:&5I9VAT.C$R<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[;6%R9VEN+6QE9G0Z,'!T.R<@/E1H92`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.R<@/D="5"!*5CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(&]P
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M,C`[/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
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M<'0[)R`^;65N="!P<F]V:61E9"!B>2!T:&4@0V]M<&%N>2XF(S$V,#M4:&4@
M0V]M<&%N>2!H87,@86QS;R!E;G1E<F5D(&EN=&\@82`\+V9O;G0^/&9O;G0@
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M="US:7IE.C$Q<'0[)R`^="!T;R!W:&EC:"!T:&4@0V]M<&%N>2!A;F0@=&AE
M($="5"!*5CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^('!R;W9I9&4@;VYE/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#LG(#X@86YO=&AE<B!W:71H(&-E<G1A:6X@<V5R
M=FEC97,@86YD('1H870@<F5S=6QT(&D\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@
M/FX@<F5L871E9"UP87)T>2!R96-E:79A8FQE<R!A;F0@<&%Y86)L97,N(%1H
M97)E('=A<R!N;R!M871E<FEA;"!I;7!A8W0@=&\@=&AE($-O;7!A;GD@9'5R
M:6YG('1H92!C=7)R96YT('%U87)T97(@<F5L871E9"!T;R!T:&4@1T)4($I6
M)B,X,C$W.W,@<F5S=6QT<R!O9B!O<&5R871I;VYS(&]R('1H92!R96QA=&5D
M(&%G<F5E;65N=',N(#PO9F]N=#X\+W`^/"]D:78^/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO
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M8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\
M345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X
M="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA
M=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@
M0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A
M8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P14U%/@T*("`@("`@/'1R/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$
M,CX\<W1R;VYG/D%C8V]U;G1S(%)E8V5I=F%B;&4@86YD($QO86YS/&)R/CPO
M<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X]
M,T0Q/CD@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\8G(^
M/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^3&]A
M;G,@3F]T97,@5')A9&4@06YD($]T:&5R(%)E8V5I=F%B;&5S($1I<V-L;W-U
M<F4@6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^06-C;W5N=',@4F5C96EV86)L92!A;F0@3&]A;G,\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\9&EV/CQP('-T>6QE/3-$
M=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T
M;VTZ,'!T.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[9F]N="UW
M96EG:'0Z8F]L9#MM87)G:6XM;&5F=#HM,38N-35P=#MC;VQO<CHC,#`P,#`P
M.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#XS/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^+CPO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3%P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^06-C;W5N=',@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^4F5C96EV86)L93PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/B!A;F0@3&]A;G,\+V9O;G0^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ
M=7-T:69Y.VUA<F=I;BUT;W`Z.7!T.VUA<F=I;BUB;W1T;VTZ,'!T.VQI;F4M
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M="!I;B!T:&4@9V5N97)A=&EO;B!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@
M/D-A<F0@365M8F5R/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#X@<F5C96EV86)L
M97,@86YD(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^0V%R9"!-96UB97(\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.R<@/B!L;V%N<RP@<F5S<&5C=&EV96QY+B`\+V9O
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M9F]N="US:7IE.C$Q<'0[)R`^,CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^("8C
M.#(Q,3L@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#XW-CPO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^(&]F('1H92!!;FYU86P@4F5P;W)T+CPO9F]N=#X\+W`^/'`@
M<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;&EN92UH96EG:'0Z,3)P=#L@
M/CPO<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P
M.C!P=#MM87)G:6XM8F]T=&]M.C9P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.VUA<F=I;BUL969T.C!P=#LG(#Y!8V-O=6YT<R!R96-E:79A
M8FQE(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^8GD@<V5G;65N="`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,7!T.R<@/F%S(&]F(#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^
M4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#XL(#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[)R`^,C`Q-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(&%N
M9"!$96-E;6)E<B`S,2P@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#XR,#$S/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#LG(#X@8V]N<VES=&5D(&]F/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3%P=#LG(#XZ/"]F;VYT/CPO<#X\+V1I=CX\<"!S='EL93TS1&QI;F4M
M:&5I9VAT.C(P<'0[("\^/&1I=CX\=&%B;&4@<W1Y;&4],T1B;W)D97(M8V]L
M;&%P<V4Z8V]L;&%P<V4[(#X\='(@/CQT9"!S='EL93TS1'=I9'1H.C,Q,2XR
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,Q,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M<W1Y;&4Z:71A;&EC
M.V-O;&]R.B,P,#`P,#`[)R`^*$UI;&QI;VYS*3PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C$U+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,34N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!C;VQS
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M,#`P,#`P.R<@/C(P,30\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ
M-2XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C$U+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF
M(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HV-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV-BXW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\+W1D/CPO='(^
M/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HS,3$N,C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,3$N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E4N4RX@0V%R9"!397)V:6-E<SPO
M9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/BAA*3PO
M9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U+C<U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,34N
M-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C
M,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU-BXR-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU-BXR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XR,2PR-3,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ
M-2XW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$U+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ
M,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C4V+C(U<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C4V+C(U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,2PX-#(\+V9O;G0^/"]T
M9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,S$Q+C(U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S$Q+C(U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y);G1E<FYA=&EO
M;F%L($-A<F0@4V5R=FEC97,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ-2XW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$U+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU-BXR
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HU-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#XW+#(W,SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$U+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,34N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$P+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C4V+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C4V+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XW+#<W,3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W
M:61T:#HS,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/D=L;V)A;"!#;VUM97)C:6%L(%-E<G9I8V5S/"]F;VYT/CQS
M=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^*&(I/"]F;VYT/CPO
M<W5P/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,34N-S5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-2XW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-38N,C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-38N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,38L
M-#0P/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,34N-S5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-2XW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-38N,C5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-38N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C$T+#,Y,3PO9F]N=#X\
M+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HS,3$N,C5P=#MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/D=L;V)A
M;"!.971W;W)K)B,Q-C`[)F%M<#L@365R8VAA;G0@4V5R=FEC97,\+V9O;G0^
M/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XH8RD\+V9O;G0^
M/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-2XW-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U+C<U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU-BXR-7!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU-BXR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XQ-3$\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-2XW-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C$U+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V
M,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU-BXR-7!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HU-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,34Y
M/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C,Q,2XR
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,Q,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^0V%R
M9"!-96UB97(@<F5C96EV86)L97,\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XH9"D\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ-2XW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$U+C<U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HU-BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HU-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#XT-2PQ,3<\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ-2XW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$U+C<U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HU-BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HU-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^-#0L,38S/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I
M9'1H.C,Q,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C,Q,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^3&5S<SH@4F5S97)V92!F;W(@;&]S<V5S/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,34N-S5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-2XW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
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M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^-#,R
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,34N-S5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-2XW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUB
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M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C,X-CPO9F]N=#X\
M+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HS,3$N,C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,3$N
M,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/D-A<F0@365M
M8F5R(')E8V5I=F%B;&5S+"!N970\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ-2XW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$U+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-38N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-38N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^-#0L-C@U/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,34N-S5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-2XW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HU-BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HU-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^-#,L-S<W/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S
M='EL93TS1'=I9'1H.C,Q,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Q,2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^3W1H97(@<F5C96EV86)L97,L(&YE=#PO9F]N
M=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/BAE*3PO9F]N
M=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U+C<U<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,34N
M-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C
M,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU-BXR-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HU-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#XR+#8S,3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$U+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,34N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-38N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-38N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C,L
M-#`X/"]F;VYT/CPO=&0^/"]T<CX\+W1A8FQE/CPO9&EV/CQP('-T>6QE/3-$
M;&EN92UH96EG:'0Z,C!P=#L@+SX\9&EV/CQU;#X\;&D@<W1Y;&4],T1L:7-T
M+7-T>6QE.FQO=V5R+6%L<&AA.W1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM
M=&]P.C9P=#MM87)G:6XM8F]T=&]M.C)P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^26YC;'5D97,@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^)#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/C8N,SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!B
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^:6QL:6]N(&%N
M9"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^-RXS/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/F)I;&QI;VX@;V8@9W)O<W,@/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^0V%R9"!-96UB97(\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@<F5C96EV86)L97,@879A:6QA
M8FQE('1O('-E='1L92!O8FQI9V%T:6]N<R!O9B`\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[8V]L;W(Z(S`P,#`P,#LG(#YA(#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO
M<CHC,#`P,#`P.R<@/F-O;G-O;&ED871E9"`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#YV87)I86)L92!I;G1E<F5S="!E;G1I='D@*%9)
M12D@87,@;V8@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(&%N9"!$96-E
M;6)E<B`S,2P@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/BP@<F5S
M<&5C=&EV96QY+CPO9F]N=#X\+VQI/CQL:2!S='EL93TS1&QI<W0M<W1Y;&4Z
M;&]W97(M86QP:&$[=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T
M.VUA<F=I;BUB;W1T;VTZ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y);F-L=61E<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^-C<R/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(&T\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[8V]L;W(Z(S`P,#`P,#LG(#YI;&QI;VX@86YD(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XX,S8\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@;6EL;&EO;B!D=64@9G)O;2!A:7)L:6YE<RP@;V8@=VAI8V@@
M1&5L=&$@06ER($QI;F5S("A$96QT82D@8V]M<')I<V5S(#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XV-#(\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#X@;6EL;&EO;B!A;F0@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/C8R.#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
M/B!M:6QL:6]N(&%S(&]F(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/BP@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^,C`Q-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!A
M;F0@1&5C96UB97(@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^,S$L(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C(P
M,3,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XL(')E<W!E
M8W1I=F5L>2X\+V9O;G0^/"]L:3X\;&D@<W1Y;&4],T1L:7-T+7-T>6QE.FQO
M=V5R+6%L<&AA.W1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P=#MM
M87)G:6XM8F]T=&]M.C)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^26YC;'5D97,@<F5C96EV86)L97,@<')I;6%R:6QY(')E;&%T960@=&\@
M=&AE(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/D-O;7!A
M;GDF(S@R,3<[<R!);G1E<FYA=&EO;F%L($-U<G)E;F-Y($-A<F0@<&]R=&9O
M;&EO<RX\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F
M;VYT/CPO;&D^/&QI('-T>6QE/3-$;&ES="US='EL93IL;W=E<BUA;'!H83MT
M97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O
M;3HR<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/DEN8VQU9&5S
M(&%P<')O>&EM871E;'D@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^)#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C$S
M+C4\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@8FEL;&EO
M;CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!A;F0@/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C$S+C@\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[8V]L;W(Z(S`P,#`P,#LG(#X@8FEL;&EO;CPO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#YO9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y#87)D($UE;6)E<CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/B!R96-E:79A8FQE<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/B!O=71S:61E('1H92!5+E,N(&%S(&]F(#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/BP@/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/B!A;F0@1&5C96UB97(@,S$L(#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XL(')E<W!E8W1I=F5L>3PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/BX\+V9O;G0^/"]L:3X\;&D@<W1Y
M;&4],T1L:7-T+7-T>6QE.FQO=V5R+6%L<&AA.W1E>'0M86QI9VXZ:G5S=&EF
M>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C)P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^3W1H97(@<F5C96EV86)L97,@<')I;6%R
M:6QY(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/G)E<')E
M<V5N="!A;6]U;G1S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^(')E;&%T960@=&\@*#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/FD\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XI
M(&-E<G1A:6X@;65R8VAA;G1S(&9O<B!B:6QL960@9&ES8V]U;G0@<F5V96YU
M92!A;F0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^*&EI*2`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y';&]B86P@3F5T=V]R:R!3
M97)V:6-E<R`H/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M1TY3/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^*3PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!P87)T;F5R(&)A;FMS
M(&9O<B!I=&5M<R!S=6-H(&%S(')O>6%L='D@86YD(&9R86YC:&ES92!F965S
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^+B!!9&1I=&EO
M;F%L;'DL(&9O<B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XR,#$S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(&]N
M;'DL('1H92!B86QA;F-E(&%L<V\@:6YC;'5D960@<'5R8VAA<V5D($=.4R`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YJ;VEN="!V96YT
M=7)E(')E8V5I=F%B;&5S+B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y/=&AE<B!R96,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#YE:79A8FQE<R!A<F4@<')E<V5N=&5D(&YE="!O9B!R97-E<G9E
M<R!F;W(@;&]S<V5S(&]F(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/B0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XT
M-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!M:6QL:6]N
M(&%N9"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^-S$\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@;6EL;&EO;B!A<R!O9B`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y397!T96UB97(@,S`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XL(#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@86YD($1E8V5M8F5R(#,Q+"`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$S/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^+"!R97-P96-T:79E;'DN/"]F
M;VYT/CPO;&D^/"]U;#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3ML
M:6YE+6AE:6=H=#HQ,G!T.R`^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIL
M969T.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,'!T.VQI;F4M:&5I
M9VAT.C$R<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[;6%R9VEN+6QE9G0Z,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^#0H\+V9O;G0^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG
M;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ-G!T.VQI
M;F4M:&5I9VAT.C$R<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[;6%R9VEN+6QE9G0Z,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^3&]A;G,@87,@;V8@/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#XL(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC
M;VQO<CHC,#`P,#`P.R<@/B!A;F0@1&5C96UB97(@,S$L(#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$S/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B!C;VYS:7-T960@;V8Z/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3%P=#LG(#X@/"]F;VYT/CPO<#X\+V1I=CX\<"!S='EL93TS1&QI
M;F4M:&5I9VAT.C(P<'0[("\^/&1I=CX\=&%B;&4@<W1Y;&4],T1B;W)D97(M
M8V]L;&%P<V4Z8V]L;&%P<V4[(#X\='(@/CQT9"!S='EL93TS1'=I9'1H.C,S
M-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C,S-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M<W1Y;&4Z:71A
M;&EC.V-O;&]R.B,P,#`P,#`[)R`^*$UI;&QI;VYS*3PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU-BXR-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HU-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#XR,#$T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
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M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$S/"]F;VYT/CPO=&0^
M/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C,S-BXW-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,S-BXW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^52Y3+B!#87)D(%-E<G9I
M8V5S/"]F;VYT/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M*&$I/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-38N,C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-38N,C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M-3@L,#$R/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C4V+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C4V+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XU."PS.34\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE
M/3-$=VED=&@Z,S,V+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S,V+C<U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y);G1E<FYA=&EO;F%L($-A<F0@4V5R=FEC97,\+V9O
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M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C<L.3DY/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU
M-BXR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HU-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^."PW.3`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED
M=&@Z,S,V+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,S,V+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y';&]B86P@0V]M;65R8VEA;"!397)V:6-E<SPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
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M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^-#8\+V9O;G0^/"]T9#X\
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XU,SPO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W
M:61T:#HS,S8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS,S8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/D-A<F0@365M8F5R(&QO86YS/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU-BXR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU-BXR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XV-BPP-3<\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
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M<'0[8V]L;W(Z(S`P,#`P,#LG(#XV-RPR,S@\+V9O;G0^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z,S,V+C<U<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,V+C<U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y,97-S.B!297-E<G9E(&9O
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M="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/C$L,30V/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HU-BXR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU-BXR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,2PR-C$\+V9O;G0^/"]T9#X\
M+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,S,V+C<U<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,V+C<U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y#87)D($UE;6)E<B!L
M;V%N<RP@;F5T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-38N,C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-38N,C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^-C0L.3$Q/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT
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M<'0[8V]L;W(Z(S`P,#`P,#LG(#XV-2PY-S<\+V9O;G0^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z,S,V+C<U<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,V+C<U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/=&AE<B!L;V%N<RP@;F5T/"]F
M;VYT/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^*&(I/"]F
M;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-38N,C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-38N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^.#4U/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S
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M8V]L;W(Z(S`P,#`P,#LG(#XV,#@\+V9O;G0^/"]T9#X\+W1R/CPO=&%B;&4^
M/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O/CQD:78^/'5L
M/CQL:2!S='EL93TS1&QI<W0M<W1Y;&4Z;&]W97(M86QP:&$[=&5X="UA;&EG
M;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z-G!T.VUA<F=I;BUB;W1T;VTZ,'!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y)/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^;F-L=61E<R!A<'!R;WAI;6%T96QY("0\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XR."XS/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[8FEL;&EO;B`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YA;F0@)#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C,Q+C(\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^8FEL;&EO;B`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#YO9B!G<F]S<R`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y#87)D($UE;6)E<CPO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/B!L;V%N<SPO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/B!A=F%I;&%B;&4\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P
M,#`P,#`[)R`^=&\@<V5T=&QE(&]B;&EG871I;VYS(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#MC;VQO<CHC,#`P,#`P.R<@/F\\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#YF(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/F$@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M8V]N<V]L:61A=&5D(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/E9)13PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!A
M<R!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y397!T
M96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XL
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@86YD($1E8V5M8F5R
M(#,Q+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$S
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^+"!R97-P96-T
M:79E;'D\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XN/"]F
M;VYT/CPO;&D^/&QI('-T>6QE/3-$;&ES="US='EL93IL;W=E<BUA;'!H83MT
M97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O
M;3HR<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/D]T:&5R(&QO
M86YS('!R:6UA<FEL>2!R97!R97-E;G0@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^;&]A;G,@=&\@;65R8VAA;G1S(&%N9"`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YA('-T;W)E(&-A<F0@/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^;&]A;B`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YP;W)T9F]L:6\\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XN/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^($]T:&5R(&QO86YS(#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/F%R93PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#YP<F5S96YT960@;F5T(&]F(')E<V5R=F5S(&9O<B!L;W-S
M97,@;V8@)#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C$Q
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(&UI;&QI;VX\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^86YD(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XQ,SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/B!M:6QL:6]N(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/F%S(&]F/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E
M;6)E<B`S,#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/BP@
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!A;F0@1&5C96UB97(@
M,S$L(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3,\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XL(')E<W!E8W1I
M=F5L>3PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/BX\+V9O
M;G0^/"]L:3X\+W5L/CQP('-T>6QE/3-$=&5X="UA;&EG;CIL969T.VQI;F4M
M:&5I9VAT.C$R<'0[(#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FQE9G0[
M;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HV<'0[;&EN92UH96EG:'0Z
M,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3%P=#MF;VYT+7=E:6=H=#IB;VQD.W1E>'0M9&5C
M;W)A=&EO;CIU;F1E<FQI;F4[;6%R9VEN+6QE9G0Z,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^0V%R9"!-96UB97(\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I
M9VAT.F)O;&0[=&5X="UD96-O<F%T:6]N.G5N9&5R;&EN93MC;VQO<CHC,#`P
M,#`P.R<@/B!,;V%N<R!A;F0@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MF;VYT+7=E
M:6=H=#IB;VQD.W1E>'0M9&5C;W)A=&EO;CIU;F1E<FQI;F4[8V]L;W(Z(S`P
M,#`P,#LG(#Y#87)D($UE;6)E<CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[9F]N="UW
M96EG:'0Z8F]L9#MT97AT+61E8V]R871I;VXZ=6YD97)L:6YE.V-O;&]R.B,P
M,#`P,#`[)R`^(%)E8V5I=F%B;&5S($$\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O
M;G0M=V5I9VAT.F)O;&0[=&5X="UD96-O<F%T:6]N.G5N9&5R;&EN93MC;VQO
M<CHC,#`P,#`P.R<@/F=I;F<\+V9O;G0^/"]P/CQP('-T>6QE/3-$=&5X="UA
M;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ-G!T
M.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[;6%R9VEN+6QE9G0Z
M,'!T.R<@/D=E;F5R86QL>3PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^+#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[)R`^(&$@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#Y#
M87)D($UE;6)E<CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(&%C8V]U;G0@/"]F
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M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YH92`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.R<@/F9O;&QO=VEN9R!T86)L92!P<F5S96YT<R!T:&4@86=I
M;F<@;V8@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#Y#87)D($UE;6)E<CPO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[)R`^(&QO86YS(&%N9"!R96-E:79A8FQE<R!A<R!O
M9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/C(P,30\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B!A;F0@1&5C96UB97(@,S$L(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^
M.CPO9F]N=#X\+W`^/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T
M.R`O/CQD:78^/'1A8FQE('-T>6QE/3-$8F]R9&5R+6-O;&QA<'-E.F-O;&QA
M<'-E.R`^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ.#!P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ.#!P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
M/C,P+34Y/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/C8P+3@Y/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N
M-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/CDP*SPO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
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M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^
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M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/D1A>7,\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^1&%Y<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
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M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y$87ES/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M;6EN+7=I9'1H.C$X,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^4&%S
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M8V]L;W(Z(S`P,#`P,#LG(#Y087-T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E!A<W0\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D
M('-T>6QE/3-$=VED=&@Z,3@P<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3@P<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O;G0^
M/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO
M<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7-T>6QE.FET86QI8SMC;VQO<CHC,#`P
M,#`P.R<@/B`H36EL;&EO;G,I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
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M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y#=7)R96YT
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/D1U93PO9F]N=#X\+W1D/CQT9"!S='EL
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
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M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^1'5E/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/E1O=&%L/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS
M1'=I9'1H.C$X,'!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$X,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#Y#87)D($UE;6)E<B!,;V%N<SH\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
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M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
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M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
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M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
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M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
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M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$X,'!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^("!5+E,N($-A<F0@4V5R=FEC
M97,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0U<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C4W+#0T-R`\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,3<U
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M:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ
M,C$@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
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M="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#XU."PP,3(@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I
M9'1H.C$X,'!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$X,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^("!);G1E<FYA=&EO;F%L($-A<F0@4V5R=FEC97,\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M.B,P,#`P,#`[)R`^-RPX-CD@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^-#$@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,CD@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XV,"`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XW+#DY.2`\+V9O;G0^/"]T9#X\+W1R
M/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3@P<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3@P<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/D-A<F0@
M365M8F5R(%)E8V5I=F%B;&5S.CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@
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M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
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M8VL[;6EN+7=I9'1H.C$X,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^("!5+E,N($-A<F0@4V5R=FEC97,\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C0U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/C(P+#DP-R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^,3(U(#PO9F]N=#X\+W1D/CQT9"!S='EL
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M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XW-"`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z
M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ-#<@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(Q+#(U,R`\+V9O;G0^/"]T9#X\
M+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3@P<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3@P<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@($EN=&5R;F%T:6]N86P@0V%R
M9"!397)V:6-E<SPO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/BAA*3PO9F]N=#X\+W-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XW+#$W
M-"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XS,"`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR,B`\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#XT-R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N
M-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XW+#(W,R`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE
M/3-$=VED=&@Z,3@P<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3@P<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#X@($=L;V)A;"!#;VUM97)C:6%L(%-E<G9I8V5S/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\
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M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^*&(I/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
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M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^*&(I/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
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M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^*&(I/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
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M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,3(U(#PO9F]N=#X\+W1D/CQT
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M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C$V+#0T,"`\+V9O;G0^/"]T
M9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3@P<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3@P<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D
M('-T>6QE/3-$=VED=&@Z,3@P<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3@P<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,S`M-3D\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^-C`M.#D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^.3`K/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CPO
M=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C$X,'!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$X,'!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^1&%Y<SPO9F]N=#X\+W1D/CQT9"!S
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M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y$
M87ES/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/D1A>7,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3@P
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3@P<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^4&%S
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M8V]L;W(Z(S`P,#`P,#LG(#Y087-T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E!A<W0\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@
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M;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO<W5P/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF
M;VYT+7-T>6QE.FET86QI8SMC;VQO<CHC,#`P,#`P.R<@/B`H36EL;&EO;G,I
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M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y#=7)R96YT/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
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M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
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M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y$=64\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^1'5E/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R
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M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E1O=&%L/"]F;VYT
M/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C$X,'!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$X,'!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#Y#87)D($UE;6)E<B!,;V%N<SH\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
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M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
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M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
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M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
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M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
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M0FQA8VL[;6EN+7=I9'1H.C$X,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^("!5+E,N($-A<F0@4V5R=FEC97,\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
M/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^-3<L-S<R(#PO9F]N=#X\
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M8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
M/C$X,R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XQ,S0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0U<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XS,#8@/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^-3@L,SDU
M(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ.#!P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ.#!P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`@26YT
M97)N871I;VYA;"!#87)D(%-E<G9I8V5S/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0U<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XX+#8V-"`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^-#,@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N
M-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C(X(#PO9F]N=#X\+W1D/CQT
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M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
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M<'0[8V]L;W(Z(S`P,#`P,#LG(#XX+#<Y,"`\+V9O;G0^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z,3@P<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3@P<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/D-A<F0@365M
M8F5R(%)E8V5I=F%B;&5S.CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y
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M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M;6EN+7=I9'1H.C$X,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^("!5+E,N($-A<F0@4V5R=FEC97,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,C$L-#@X(#PO9F]N=#X\+W1D/CQT
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M(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C$R-2`\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XV.2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/C$V,"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0U<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,2PX-#(@/"]F;VYT
M/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C$X,'!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$X,'!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^("!);G1E<FYA=&EO
M;F%L($-A<F0@4V5R=FEC97,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/BAB*3PO9F]N=#X\+W1D/CQT9"!S
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M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XH
M8BD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^*&(I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C@S(#PO9F]N
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M(S`P,#`P,#LG(#XW+#<W,2`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T
M>6QE/3-$=VED=&@Z,3@P<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3@P<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#X@($=L;V)A;"!#;VUM97)C:6%L(%-E<G9I8V5S/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T
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M<CHC,#`P,#`P.R<@/BAB*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
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M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XH8BD\
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M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^*&(I/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/C$S,B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
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M=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,30L,SDQ(#PO
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M;F<@:6X@9FER<W0@<75A<G1E<B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^,C`Q
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M('1H92!#;VUP86YY(&AA<R!H:7-T;W)I8V%L;'D@=71I;&EZ960@.3`@9&%Y
M<R!P87-T(&)I;&QI;F<@9F]R('1H92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^
M26YT97)N871I;VYA;"!#87)D(%-E<G9I8V5S("A)0U,I(#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#LG(#YS96=M96YT+"!A<R!D97-C<FEB960@8F5L;W<@:6X@*&(I
M+B`\+V9O;G0^/"]L:3X\;&D@<W1Y;&4],T1L:7-T+7-T>6QE.FQO=V5R+6%L
M<&AA.W1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM
M8F]T=&]M.C)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/D1E;&EN<75E;F-Y(&1A=&$\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[)R`^(&9O<B!P97)I;V1S(#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#LG(#YO=&AE<B!T:&%N/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/B`Y
M,"!D87ES('!A<W0@8FEL;&EN9R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^:7,\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[)R`^(&YO="!A=F%I;&%B;&4@9'5E('1O('-Y
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M=&AE(&1I9F9E<F5N8V4@8F5T=V5E;B!T:&4@5&]T86P@86YD('1H92`Y,"L@
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M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/B!A<R!O9B`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.R<@/BP@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/C(P,30\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#YA;F0@24-3(&%N
M9"!'0U,@87,@;V8@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/D1E8V5M8F5R(#,Q
M+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#LG(#XL(&1E;&EN<75E;F-Y(&1A=&$@:7,@=')A8VME9"!B87-E9"!O;B!D
M87ES('!A<W0@8FEL;&EN9R!S=&%T=7,@<F%T:&5R('1H86X@9&%Y<R!P87-T
M(&1U92X@02!#87)D($UE;6)E<B!A8V-O=6YT(&ES(&-O;G-I9&5R960@.3`@
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M(&%C8V]U;G0@8F5C;VUI;F<@.3`@9&%Y<R!P87-T(&)I;&QI;F<L('1H92!A
M<W-O8VEA=&5D($-A<F0@365M8F5R(')E8V5I=F%B;&4@8F%L86YC92!I<R`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[)R`^8VQA<W-I9FEE9#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#LG(#X@87,@.3`@9&%Y<R!P87-T(&(\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M)R`^:6QL:6YG+B!4:&5S92!A;6]U;G1S(&%R92!S:&]W;B!A8F]V92!A<R`Y
M,"L@1&%Y<R!087-T($1U92!F;W(@<')E<V5N=&%T:6]N('!U<G!O<V5S+B`\
M+V9O;G0^/"]L:3X\+W5L/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y
M.VQI;F4M:&5I9VAT.C$R<'0[(#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N
M.FQE9G0[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HP<'0[;&EN92UH
M96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MF;VYT+7=E:6=H=#IB;VQD.W1E
M>'0M9&5C;W)A=&EO;CIU;F1E<FQI;F4[;6%R9VEN+6QE9G0Z,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^#0H\+V9O;G0^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG
M;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ-G!T.VQI
M;F4M:&5I9VAT.C$R<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[9F]N="UW96EG:'0Z8F]L
M9#MT97AT+61E8V]R871I;VXZ=6YD97)L:6YE.VUA<F=I;BUL969T.C!P=#MC
M;VQO<CHC,#`P,#`P.R<@/D-R961I="!1=6%L:71Y($EN9&EC871O<G,@9F]R
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[9F]N="UW96EG:'0Z8F]L9#MT97AT+61E
M8V]R871I;VXZ=6YD97)L:6YE.V-O;&]R.B,P,#`P,#`[)R`^0V%R9"!-96UB
M97(@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MF;VYT+7=E:6=H=#IB;VQD.W1E>'0M
M9&5C;W)A=&EO;CIU;F1E<FQI;F4[8V]L;W(Z(S`P,#`P,#LG(#Y,;V%N<R!A
M;F0@4F5C96EV86)L97,\+V9O;G0^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG
M;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ-G!T.VQI
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M.C$Q<'0[)R`^;G0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B!T:&4@:V5Y(&-R
M961I="!Q=6%L:71Y(&EN9&EC871O<G,@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG
M(#YA<R!O9B!O<B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/F9O<B!T:&4@/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#LG(#YN:6YE(&UO;G1H<R!E;F1E9#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^4V5P=&5M
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M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#4@<F]W
M<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ-C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E
M<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$V-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T
M9#X\=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ
M-C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$V-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XR
M,#$S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^
M/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3(T+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,C0N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI
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M86-K.VUI;BUW:61T:#HQ,#8N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y.970@5W)I=&4M3V9F(%)A=&4\+V9O;G0^/"]T9#X\=&0@<W1Y
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M;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[
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M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,#8N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y.970@5W)I=&4M3V9F(%)A=&4\+V9O;G0^/"]T
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M.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT
M97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0X<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0X<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0X<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
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M=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT.'!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,3`N-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XS,"!$
M87ES/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L
M:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[
M(#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,C0N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$R
M-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#AP=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y0<FEN8VEP86PL/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y0
M87-T($1U93PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MT
M97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C$P+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#AP=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ8V5N
M=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y0<FEN8VEP86PL/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y087-T($1U93PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U
M<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z
M,3(T+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0X<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0X
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/E!R:6YC:7!A;#PO
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M.7!T.V-O;&]R.B,P,#`P,#`[)R`^26YT97)E<W0L("9A;7`[/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ8V5N=&5R
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L
M;W(Z(S`P,#`P,#LG(#YA<R!A("4@;V8\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0X<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0X<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
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M;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^26YT97)E<W0L("9A
M;7`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M
M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@87,@82`E(&]F/"]F;VYT/CPO
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M.V-O;&]R.B,P,#`P,#`[)R`^3VYL>3PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$P+C5P=#MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CQS=7`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XH82D\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT.'!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y&965S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N
M-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,3`N-7!T.R`^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P
M.R<@/BAA*3PO9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0X
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0X<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/E1O
M=&%L/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M
M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/;FQY/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/'-U<#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/BAA*3PO9F]N=#X\+W-U<#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0X<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0X<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP
M=#MC;VQO<CHC,#`P,#`P.R<@/D9E97,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\<W5P/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O
M;&]R.B,P,#`P,#`[)R`^*&$I/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-#AP=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P
M,#`P,#`[)R`^5&]T86P\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ
M-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,35P=#L@/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H
M.C$R-"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,3(T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#Y#87)D($UE;6)E<B!,;V%N<SH\+V9O;G0^/"]T
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M-#AP=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#AP=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M
M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\
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M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#AP=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI
M9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@
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M.V-O;&]R.B,P,#`P,#`[)R`^("`@52Y3+B!#87)D(%-E<G9I8V5S/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C$N-CPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)3PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0X<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0X<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,2XX/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XE
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#AP=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ
M+C`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B4\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ+CD\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XE/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#AP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#AP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[
M)R`^,BXQ/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)3PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0X<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0X<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP
M=#MC;VQO<CHC,#`P,#`P.R<@/C$N,3PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,35P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[
M)R`^)3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ
M,C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$R-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/B`@($EN=&5R;F%T:6]N86P@0V%R9"!397)V:6-E<SPO9F]N=#X\<W5P/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^*&(I/"]F;VYT/CPO<W5P/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(N,#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)3PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0X<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0X<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,BXT/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XE/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#AP=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ+C8\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/B4\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ+CD\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XE/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#AP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#AP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^
M,BXS/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)3PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0X<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0X<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC
M;VQO<CHC,#`P,#`P.R<@/C$N-3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,35P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^
M)3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,C0N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C$R-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^0V%R9"!-96UB97(@4F5C96EV86)L97,Z/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\+W1D/CPO
M='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,C0N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$R-"XU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`@(%4N4RX@0V%R9"!397)V
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M+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ
M+C<\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B4\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/C$N.3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^)3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0X<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0X<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^,2XV/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C$P+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#XE/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#AP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#AP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^,2XX
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)3PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0X<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0X<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO
M<CHC,#`P,#`P.R<@/C$N.3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C$P+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/B4\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ+C<\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO
M<CHC,#`P,#`P.R<@/B4\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE
M/3-$=VED=&@Z,3(T+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,C0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L
M;W(Z(S`P,#`P,#LG(#X@("!);G1E<FYA=&EO;F%L($-A<F0@4V5R=FEC97,\
M+V9O;G0^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/BAB*3PO
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M;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XR+C`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/B4\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M.'!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/C(N,3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$P+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)3PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0X<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0X<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,2XT/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XE/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#AP=#MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V-O;&]R.B,P,#`P,#`[)R`^*&,I/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
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M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^*&,I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T
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M;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^*&,I/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\+W1R
M/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3(T+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,C0N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
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M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
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M=VED=&@Z-#AP=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#AP=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-#AP=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,3`N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#AP=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\+W1D/CPO='(^/'1R
M(#X\=&0@<W1Y;&4],T1W:61T:#HQ,C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
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M=VED=&@Z-#AP=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0X<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
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M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/C(P,30\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3`N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#,@<F]W<W!A;CTS1#$@<W1Y
M;&4],T1W:61T:#HQ,#8N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`V+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O
M;&]R.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
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M;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T
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M('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-#AP=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#AP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[
M)R`^3F5T($QO<W,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU
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M=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ8V5N=&5R
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT.'!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y.970@3&]S<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
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M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\
M+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3(T+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,C0N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0X<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#AP=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y2871I;R!A<SPO9F]N=#X\
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M;&]R.B,P,#`P,#`[)R`^.3`@1&%Y<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$P+C5P=#MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#AP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#AP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^
M4F%T:6\@87,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XY,"!$87ES/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z,3(T+C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,C0N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0X<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,3`N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#AP
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#YA("4@;V8\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0X<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0X<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P
M,#`P.R<@/E!A<W0@0FEL;&EN9SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$P+C5P=#MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#AP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#AP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^82`E
M(&]F/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#AP=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^4&%S="!":6QL:6YG/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z,3(T+C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,C0N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0X<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,3`N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#AP
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y#:&%R9V4\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#YA<R!A("4@;V8\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ
M,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y#:&%R9V4\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#YA<R!A("4@;V8\+V9O;G0^/"]T9#X\=&0@<W1Y
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M.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
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M9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/E9O;'5M93PO9F]N=#X\
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M;VQO<CHC,#`P,#`P.R<@/E)E8V5I=F%B;&5S/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#AP=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#AP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^5F]L=6UE/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N
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M;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^4F5C96EV86)L
M97,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\
M+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y
M;&4],T1W:61T:#HR-#(N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HR-#(N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#Y#87)D($UE;6)E<B!296-E
M:79A8FQE<SH\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT.'!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y
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M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^("`@26YT
M97)N871I;VYA;"!#87)D(%-E<G9I8V5S/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-#AP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#AP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XH8RD\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/BAC*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$P+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C0X<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0X<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/C`N
M,C`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XE/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-#AP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O
M;&]R.B,P,#`P,#`[)R`^,2XQ/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XE
M/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$-B!R;W=S<&%N
M/3-$,2!S='EL93TS1'=I9'1H.C(U,BXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U,BXW-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@("!';&]B86P@0V]M;65R8VEA
M;"!397)V:6-E<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0X<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0X<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^,"XP.3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C$P+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^)3PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0X<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0X<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,"XX/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XE/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-#AP=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V-O;&]R.B,P,#`P,#`[)R`^,"XP-SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$P+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC
M,#`P,#`P.R<@/B4\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XP+C@\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B4\+V9O;G0^/"]T9#X\+W1R/CPO
M=&%B;&4^/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O/CQD
M:78^/'5L/CQL:2!S='EL93TS1&QI<W0M<W1Y;&4Z;&]W97(M86QP:&$[=&5X
M="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z-G!T.VUA<F=I;BUB;W1T;VTZ
M,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4:&4@0V]M<&%N
M>2!P<F5S96YT<R!A(&YE="!W<FET92UO9F8@<F%T92!B87-E9#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!O;B!P<FEN8VEP86P@;&]S
M<V5S(&]N;'D@*&DN92XL/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^(&5X8VQU9&EN9R!I;G1E<F5S="!A;F0O;W(@9F5E<RD@=&\@8F4@
M8V]N<VES=&5N="!W:71H(&EN9'5S=')Y(&-O;G9E;G1I;VXN(#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/DEN(&%D9&ET:6]N+"!B96-A
M=7-E('1H92!#;VUP86YY(&-O;G-I9&5R<R`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#YU;F-O;&QE8W1I8FQE(&EN=&5R97-T(&%N9"]O
M<B!F965S(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/FEN
M(&5S=&EM871I;F<@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^:71S(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/G)E
M<V5R=F5S(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/F9O
M<B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YC<F5D:70@
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^;&]S<V5S+"!A
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M;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^0F5G:6YN:6YG(&EN/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^+"!W<FET92UO9F9S(&9O<B!C97)T
M86EN(&EN<W1A;&QM96YT(&QO86X@<')O9'5C=',@:&%V92!B965N(')E8VQA
M<W-I9FEE9"!F<F]M($,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#YA<F0@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M33PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/F5M8F5R('(\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YE8V5I=F%B;&4\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YS/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^('1O($,\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YA<F0@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^33PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/F5M8F5R/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/FQO
M86YS/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^+CPO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!0/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^<FEO<B!P97)I;V0@=W)I=&4M;V9F
M<R!H879E(&YO="!B965N(')E8VQA<W-I9FEE9"X@/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+VQI/CQL:2!S='EL93TS
M1&QI<W0M<W1Y;&4Z;&]W97(M86QP:&$[=&5X="UA;&EG;CIJ=7-T:69Y.VUA
M<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,G!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y(:7-T;W)I8V%L;'DL/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^(&YE="!L;W-S(')A=&EO(&%S(&$@)2!O
M9B!C:&%R9V4@=F]L=6UE(&%N9"`Y,"!D87ES('!A<W0@8FEL;&EN9W,@87,@
M82`E(&]F(')E8V5I=F%B;&5S('=E<F4@<')E<V5N=&5D+B!"96=I;FYI;F<@
M:6X@9FER<W0@<75A<G1E<CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P
M,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[
M)R`^,C`Q-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/BP@
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^87,@82!R97-U
M;'0@;V8@<WES=&5M(&5N:&%N8V5M96YT<RP@,S`@9&%Y<R!P87-T(&0\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YU92!A<R!A("4@;V8@
M=&]T86PL($YE="!W<FET92UO9F8@<F%T92`H<')I;F-I<&%L(&]N;'DI(&%N
M9"!.970@=W)I=&4M;V9F(')A=&4@*'!R:6YC:7!A;"!A;F0@9F5E<RD@:&%V
M92!B965N('!R97-E;G1E9"X@/"]F;VYT/CPO;&D^/"]U;#X\<"!S='EL93TS
M1'1E>'0M86QI9VXZ:G5S=&EF>3ML:6YE+6AE:6=H=#HQ,G!T.R`^/"]P/CQP
M('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA
M<F=I;BUB;W1T;VTZ,'!T.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[;6%R9VEN+6QE9G0Z,'!T.R<@/E)E9F5R('1O/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#LG(#X@3F]T92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/C4@;VX@<&%G
M97,@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#XW-R`F(S@R,3$[(#<X(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[)R`^;V8@=&AE($%N;G5A;"!297!O<G0\+V9O;G0^
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^<75A;&ET871I=F4@
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YF86-T;W)S+#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^(&UA;F%G96UE;G0@8V]N<VED97)S(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^:6X@:71S(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^979A;'5A
M=&EO;B!P<F]C97-S(&9O<B!R97-E<G9E<R!F;W(@;&]S<V5S+CPO9F]N=#X\
M+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FQE9G0[;&EN92UH96EG:'0Z,3)P
M=#L@/CPO<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ;&5F=#MM87)G:6XM=&]P
M.C!P=#MM87)G:6XM8F]T=&]M.C9P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[=&5X="UD96-O<F%T:6]N.G5N
M9&5R;&EN93MM87)G:6XM;&5F=#HP<'0[8V]L;W(Z(S`P,#`P,#LG(#Y);7!A
M:7)E9"!#87)D($UE;6)E<B!,;V%N<R!A;F0@4CPO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[9F]N="UW96EG:'0Z8F]L9#MT97AT+61E8V]R871I;VXZ=6YD97)L:6YE
M.V-O;&]R.B,P,#`P,#`[)R`^96-E:79A8FQE<SPO9F]N=#X\+W`^/'`@<W1Y
M;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN
M+6)O='1O;3HP<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM
M87)G:6XM;&5F=#HP<'0[8V]L;W(Z(S`P,#`P,#LG(#Y);7!A:7)E9"!L;V%N
M<R!A;F0@<F5C96EV86)L97,@87)E(#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L
M;W(Z(S`P,#`P,#LG(#YI;F1I=FED=6%L(&QA<F=E<B!B86QA;F-E(&]R(&AO
M;6]G96YE;W5S('!O;VQS(&]F('-M86QL97(@8F%L86YC92!L;V%N<R!A;F0@
M<CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#YE8V5I=F%B
M;&5S(&9O<B!W:&EC:"!I="!I<R!P<F]B86)L92!T:&%T('1H92!#;VUP86YY
M('=I;&P@8F4@=6YA8FQE('1O(&-O;&QE8W0@86QL(&%M;W5N=',@9'5E(&%C
M8V]R9&EN9R!T;R!T:&4@;W)I9VEN86P@8V]N=')A8W1U86P@=&5R;7,@;V8@
M=&AE(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#Y#87)D
M($UE;6)E<B!A9W)E96UE;G0N($9O<CPO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L
M;W(Z(S`P,#`P,#LG(#X@:6YF;W)M871I;VX@;VX@:6UP86ER960@0V$\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^<F0@365M8F5R(&QO
M86YS(&%N9"!R96-E:79A8FQE<R!A;F0@=&AE(')E;&%T960@/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/F%C8V]U;G1I;F<@<&]L:6-I
M97,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^+"!R969E
M<B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^=&\@/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/DYO=&4@-"!O;B`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^<&%G97,@-SPO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#XT("8C.#(Q,3L@
M-S8@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/F]F('1H
M92!!;FYU86P@4F5P;W)T+CPO9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L
M:6=N.FIU<W1I9GD[;&EN92UH96EG:'0Z,3)P=#L@/CPO<#X\<"!S='EL93TS
M1'1E>'0M86QI9VXZ;&5F=#MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M
M.C!P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.VUA<F=I;BUL
M969T.C!P=#LG(#X-"CPO9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N
M.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HV<'0[;&EN
M92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F=#HP<'0[
M)R`^5&AE(&9O;&QO=VEN9R!T86)L93PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^
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M:7IE.C$Q<'0[)R`^0V%R9"!-96UB97(\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@
M/B!L;V%N<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^+"!W:&EC:"!A<F4@;F]T
M('-I9VYI9FEC86YT(&9O<B!'0U,L/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#X@
M86YD(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^0V%R9"!-96UB97(@/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3%P=#LG(#YR96-E:79A8FQE<SPO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/G=H:6-H(&%R92!N;W0@
M<VEG;FEF:6-A;G0@9F]R($E#4R!A;F0@1T-3+#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[)R`^(&%S(&]F/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#X@/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3%P=#LG(#Y397!T96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.R<@/BP\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B`\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,7!T.R<@/C(P,30\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B!A;F0@/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3%P=#LG(#Y$96-E;6)E<B`S,2P\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,7!T.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/C(P,3,\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.R<@/CH\+V9O;G0^/"]P/CPO9&EV/CQP('-T>6QE/3-$;&EN
M92UH96EG:'0Z,C!P=#L@+SX\9&EV/CQT86)L92!S='EL93TS1&)O<F1E<BUC
M;VQL87!S93IC;VQL87!S93L@/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$X
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^
M/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-#@N
M-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#@N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^3&]A
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M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#4@
M<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#@N-S5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E
M;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P."XW-7!T.R`^
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M9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#$N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^.3`@1&%Y<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q
M+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^
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M.V-O;&]R.B,P,#`P,#`[)R`^3&]A;G,@)F%M<#L\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y4;W1A;#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3$N,C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0U(')O=W-P86X],T0Q
M('-T>6QE/3-$=VED=&@Z,3`X+C<U<'0[=&5X="UA;&EG;CIC96YT97([8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,#@N-S5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$X+C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,3@N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/E!A
M<W0@1'5E/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^3F]N+3PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D(&-O
M;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-#@N-S5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#@N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^4F5C96EV
M86)L97,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q
M+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y);7!A:7)E9#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0Q+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC
M,#`P,#`P.R<@/E5N<&%I9#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
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M.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N
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M=#MC;VQO<CHC,#`P,#`P.R<@/B9A;7`[($%C8W)U:6YG/"]F;VYT/CPO=&0^
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M,#`P,#`P.R<@/D%C8W)U86P\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^36]D:69I
M960\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^3&]A;G,@)F%M<#L\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\
M=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HT."XW
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT."XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y0
M<FEN8VEP86P\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^06QL;W=A;F-E/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T
M9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$X+C5P=#MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,3@N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/C(P,30\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="US='EL93II=&%L
M:6,[8V]L;W(Z(S`P,#`P,#LG(#X@*$UI;&QI;VYS*3PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C@N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y);G1E<F5S=#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XH82D\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W
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M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^3&]A;G,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C$Q+C(U<'0[(#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[
M)R`^*&(I/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU
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M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/F%S
M(&$@5$12/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,2XR-7!T.R`^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/BAC
M*3PO9F]N=#X\+W-U<#X\+W1D/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$
M,2!S='EL93TS1'=I9'1H.C0X+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0X+C<U<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CEP=#MC;VQO<CHC,#`P,#`P.R<@/E)E8V5I=F%B;&5S/"]F;VYT/CPO=&0^
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M;VQO<CHC,#`P,#`P.R<@/D)A;&%N8V4\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\<W5P/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O
M;&]R.B,P,#`P,#`[)R`^*&0I/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE
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M,#`P,#`P.R<@/F9O<B!41%)S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,2XR-7!T.R`^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC
M,#`P,#`P.R<@/BAE*3PO9F]N=#X\+W-U<#X\+W1D/CPO='(^/'1R(#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,3@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q."XU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^0V%R9"!-96UB97(@3&]A
M;G,Z/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M<W1Y;&4Z:71A;&EC.V-O;&]R
M.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N
M,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ
M,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T
M>6QE/3-$=VED=&@Z,3$X+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L
M;W(Z(S`P,#`P,#LG(#X@("!5+E,N($-A<F0@4V5R=FEC97,\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T
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M;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0Q+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#$V,"`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,3@X(#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`S
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M="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q+C(U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^(#8U-R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#X@-3DT(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#$N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-S`@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\+W1R/CQT<B`^
M/'1D('-T>6QE/3-$=VED=&@Z,3$X+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,3@N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[8V]L;W(Z(S`P,#`P,#LG(#X@("!);G1E<FYA=&EO;F%L($-A<F0@4V5R
M=FEC97,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F
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M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#8P(#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F
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M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@
M("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-C`@
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M.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#4Y(#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG
M;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S
M.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X
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M;W(Z(S`P,#`P,#LG(#Y#87)D($UE;6)E<B!296-E:79A8FQE<SH\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D
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M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0Q+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C$Q+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M
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M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^("`@52Y3+B!#87)D(%-E
M<G9I8V5S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R
M,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT
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M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
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M8V]L;W(Z(S`P,#`P,#LG(#X@-#0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#0T(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`T,R`\+V9O;G0^/"]T9#X\=&0@
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M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#,R(#PO9F]N=#X\+W1D
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M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
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M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#(R,"`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,3@X(#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B`S-3,@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P
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M,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U
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M;&]R.B,P,#`P,#`[)R`^(#<V,2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-CDV(#PO9F]N=#X\+W1D/CQT
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M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT
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M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#$P,B`\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\
M+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,3@N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q."XU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,3$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q
M+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,3$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
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M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C@N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
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M="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/DQO86YS(&]V97(\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q
M+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C0Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3$N,C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0U(')O=W-P86X],T0Q('-T
M>6QE/3-$=VED=&@Z,3`X+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,#@N-S5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D
M('-T>6QE/3-$=VED=&@Z,3$X+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,3@N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
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M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/CDP($1A>7,\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P
M.R<@/DQO86YS("9A;7`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N
M,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\
M+W1D/CQT9"!C;VQS<&%N/3-$-2!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H
M.C$P."XW-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3`X+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
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M,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y087-T($1U93PO9F]N=#X\
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M<CHC,#`P,#`P.R<@/DYO;BT\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/E)E8V5I=F%B;&5S/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\
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M.B,P,#`P,#`[)R`^26UP86ER960\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y5;G!A
M:60\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/"]T9#X\
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M:7IE.CEP=#MF;VYT+7-T>6QE.FET86QI8SMC;VQO<CHC,#`P,#`P.R<@/B`\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^
M/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T
M:#HT."XW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT."XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XF86UP.R!!8V-R=6EN9SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y!8V-R
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M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/DUO9&EF:65D/"]F;VYT/CPO=&0^
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M,#`P,#`P.R<@/DQO86YS("9A;7`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0R
M(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-#@N-S5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#@N-S5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^4')I;F-I<&%L/"]F;VYT
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M;VQO<CHC,#`P,#`P.R<@/D%L;&]W86YC93PO9F]N=#X\+W1D/CQT9"!S='EL
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M.7!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF
M;VYT+7-T>6QE.FET86QI8SMC;VQO<CHC,#`P,#`P.R<@/B`H36EL;&EO;G,I
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/DEN=&5R97-T/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/'-U<#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/BAA*3PO9F]N=#X\+W-U<#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y,;V%N<SPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQS=7`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XH8BD\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y
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M.B,P,#`P,#`[)R`^87,@82!41%(\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^*&,I/"]F;VYT/CPO<W5P/CPO=&0^/'1D(&-O;'-P86X]
M,T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-#@N-S5P=#MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#@N
M-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^4F5C96EV86)L
M97,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M8F]T
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M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^0F%L86YC93PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQS=7`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XH9"D\+V9O;G0^/"]S=7`^
M/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T
M:#HT."XW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT."XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#YF;W(@5$12<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,3$N,C5P=#L@/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XH92D\+V9O;G0^/"]S=7`^/"]T9#X\+W1R/CQT<B`^/'1D('-T
M>6QE/3-$=VED=&@Z,3$X+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/D-A<F0@365M8F5R($QO86YS
M.CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7-T>6QE.FET86QI8SMC;VQO<CHC
M,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N
M,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
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M.B,P,#`P,#`[)R`^("`@52Y3+B!#87)D(%-E<G9I8V5S/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C@N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N
M,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#$W,"`\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0Q+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC
M,#`P,#`P.R<@/B`R-#0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`S-S,@/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q
M+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/B`W.#<@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP
M=#MC;VQO<CHC,#`P,#`P.R<@/B`W,S$@/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#@T(#PO
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M;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^("`@26YT97)N
M871I;VYA;"!#87)D(%-E<G9I8V5S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N
M,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-30@/"]F;VYT/CPO
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M<CHC,#`P,#`P.R<@/B`T(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q
M+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`U(#PO9F]N
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M;VQO<CHC,#`P,#`P.R<@/B`V,R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-C(@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L
M:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R
M,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,2XR-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$X
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/D-A<F0@365M8F5R(%)E8V5I=F%B;&5S.CPO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y
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M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/"]T9#X\=&0@
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M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`@(%4N4RX@0V%R9"!397)V:6-E
M<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\
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M.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y
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M.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#$N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^(#4P(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U
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M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`U,"`\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-#D@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#X@,S@@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$
M=VED=&@Z,3$X+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y4;W1A;#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P
M.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT
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M=#MC;VQO<CHC,#`P,#`P.R<@/B`R,C0@/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`R-#@@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC
M;VQO<CHC,#`P,#`P.R<@/B`T,C@@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,3$N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q
M+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`Y,#`@/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL
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M<CHC,#`P,#`P.R<@/B`X-#(@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,3$N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^
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M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`Q,C(@/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T
M9#X\+W1R/CPO=&%B;&4^/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR
M,'!T.R`O/CQD:78^/'5L/CQL:2!S='EL93TS1&QI<W0M<W1Y;&4Z;&]W97(M
M86QP:&$[=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z-G!T.VUA<F=I
M;BUB;W1T;VTZ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^5&AE($-O;7!A;GDF(S@R
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M<'0[)R`^:2YE+BP@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/F%T(#$X,"!D87ES
M('!A<W0@9'5E*2X@5&AE($-O;7!A;GD@97-T86)L:7-H97,@<F5S97)V97,@
M9F]R(&EN=&5R97-T('1H870@=&AE($-O;7!A;GD@8F5L:65V97,@=VEL;"!N
M;W0@8F4@8V]L;&5C=&5D+CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#X@06UO=6YT
M<R!P<F5S96YT960@97AC;'5D92!L;V%N<R!M;V1I9FEE9"!A<R!A(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#LG(#YT<F]U8FQE9"!D96)T(')E<W1R=6-T=7)I;F<@
M*%1$4BDN/"]F;VYT/CPO;&D^/&QI('-T>6QE/3-$;&ES="US='EL93IL;W=E
M<BUA;'!H83MT97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R
M9VEN+6)O='1O;3HR<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#Y.;VXM86-C<G5A;"!L
M;V%N<R!N;W0@:6X@;6]D:69I8V%T:6]N('!R;V=R86US(&EN8VQU9&4@8V5R
M=&%I;B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^0V%R9"!-96UB97(\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[)R`^(&QO86YS('!L86-E9"!W:71H(&]U='-I9&4@8V]L
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M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/B`D/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.R<@/C@W/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/B!M:6QL:6]N
M(&%N9"`D/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/CDR/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.R<@/B!M:6QL:6]N('1H870@87)E(&YO;BUA8V-R=6%L(&%N9"`D/"]F
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#X@;6EL;&EO;B`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[)R`^=&AA="!A<F4@<&%S="!D=64@.3`@9&%Y
M<R!A;F0@<W1I;&P@86-C<G5I;F<@:6YT97)E<W0@87,@;V8\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#Y397!T96UB97(@
M,S`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M)R`^,C`Q-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#X@86YD($1E8V5M8F5R(#,Q
M+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#LG(#XL(')E<W!E8W1I=F5L>3PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#XN("`\
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M<VEZ93HX<'0[)R`^;F-I<&%L(&)A;&%N8V4@8V]N<VES=',@;V8@/"]F;VYT
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M;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^4F5P
M<F5S96YT<R!T:&4@<F5S97)V92!F;W(@;&]S<V5S(&9O<B!41%)S+"`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[)R`^=VAI8V@@87)E(&5V86QU871E9"!I;F1I=FED
M=6%L;'D\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^(&9O<B!I;7!A:7)M96YT+B`@
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M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^
M(&%N9"!#;VQL96-T:79E;'D@9F]R($EM<&%I<FUE;G0@:6X@3F]T92`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[)R`^-"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^9F]R
M(&9U<G1H97(@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/FEN9F]R;6%T:6]N(')E
M9V%R9&EN9R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^('1H92!R97-E<G9E(&9O
M<B!L;W-S97,@;VX@;&]A;G,@;W9E<B`Y,"!D87ES('!A<W0@9'5E(&%N9"!A
M8V-R=6EN9R!I;G1E<F5S="!A;F0@;F]N+6$\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M)R`^8V-R=6%L(&QO86YS+"!W:&EC:"!A<F4@979A;'5A=&5D(&-O;&QE8W1I
M=F5L>2!F;W(@:6UP86ER;65N="X@/"]F;VYT/CPO;&D^/"]U;#X\<"!S='EL
M93TS1'1E>'0M86QI9VXZ:G5S=&EF>3ML:6YE+6AE:6=H=#HQ,G!T.R`^/"]P
M/CQP('-T>6QE/3-$=&5X="UA;&EG;CIL969T.VUA<F=I;BUT;W`Z,'!T.VUA
M<F=I;BUB;W1T;VTZ,'!T.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N="!S='EL
M93TS1&9O;G0M9F%M:6QY.D-A;&EB<FD[9F]N="US:7IE.C$Q<'0[;6%R9VEN
M+6QE9G0Z,'!T.R`^#0H\+V9O;G0^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG
M;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,W!T.VQI
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M="!I;F-O;64@<F5C;V=N:7IE9"!A;F0@879E<F%G92!B86QA;F-E<R!O9B`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/FEM<&%I<F5D(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^0V%R9"!-96UB97(\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B!L
M;V%N<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^+"!W:&EC:"!A<F4@;F]T('-I
M9VYI9FEC86YT(&9O<B!'0U,L/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#X@86YD
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^0V%R9"!-96UB97(@/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3%P=#LG(#YR96-E:79A8FQE<SPO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[
M)R`^+"!W:&EC:"!A<F4@;F]T('-I9VYI9FEC86YT(&9O<B!)0U,@86YD($=#
M4RP\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.R<@/F9O<B!T:&4@=&AR964@86YD(#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^
M;FEN92!M;VYT:',@96YD960\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^.CPO9F]N=#X\+W`^/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE
M:6=H=#HR,'!T.R`O/CQD:78^/'1A8FQE('-T>6QE/3-$8F]R9&5R+6-O;&QA
M<'-E.F-O;&QA<'-E.R`^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,S<N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,S<N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.V)O<F1E<BUT;W`M<W1Y
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M-30N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^5&AR964@
M36]N=&AS($5N9&5D/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,35P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0U(')O=W-P86X],T0Q('-T>6QE
M/3-$=VED=&@Z,34T+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$U-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y.:6YE($UO;G1H<R!%;F1E9#PO9F]N=#X\+W1D/CPO='(^
M/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,S<N,C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,S<N,C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@
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M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^4V5P=&5M8F5R
M(#,P+"`R,#$T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,35P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0U(')O=W-P86X],T0Q('-T>6QE
M/3-$=VED=&@Z,34T+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U-"XU<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y397!T96UB97(@,S`L(#(P,30\+V9O;G0^/"]T
M9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3,W+C(U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3,W+C(U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[9F]N="US='EL93II=&%L:6,[8V]L;W(Z(S`P
M,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4]
M,T1W:61T:#HV.2XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV.2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^26YT97)E<W0@26YC;VUE/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,35P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA
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M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y!=F5R86=E/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D(&-O;'-P86X]
M,T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-CDN-S5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-CDN-S5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/DEN=&5R97-T($EN8V]M
M93PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC
M96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T
M9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HV
M.2XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV.2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
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M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[9F]N="US='EL93II=&%L:6,[8V]L;W(Z(S`P,#`P,#LG(#X@*$UI
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M<CHC,#`P,#`P.R<@/E)E8V]G;FEZ960\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
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M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/D)A;&%N8V4\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@
M8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HV.2XW-7!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV.2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M4F5C;V=N:7IE9#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[
M=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y
M;&4],T1W:61T:#HV.2XW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV.2XW-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^0F%L86YC93PO9F]N=#X\+W1D/CPO='(^/'1R
M(#X\=&0@<W1Y;&4],T1W:61T:#HQ,S<N,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,S<N,C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^0V%R9"!-
M96UB97(@3&]A;G,Z/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7-T>6QE.FET
M86QI8SMC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q
M+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-3@N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
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M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU."XU<'0[8F]R
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M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HU."XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C4X+C5P=#L@/CPO=&0^/"]T<CX\='(@/CQT9"!S
M='EL93TS1'=I9'1H.C$S-RXR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$S-RXR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^("`@52Y3+B!#87)D(%-E<G9I8V5S/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\
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M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C4X+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,3(@/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-3@N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU."XU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`V-S4@/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-3@N-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU."XU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`S
M-R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU."XU<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C4X+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^(#<S-"`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED
M=&@Z,3,W+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3,W+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@("!);G1E<FYA=&EO;F%L($-A<F0@4V5R=FEC97,\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT
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M:SMM:6XM=VED=&@Z-3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-"`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C4X
M+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#X@-C,@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,35P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N
M,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU."XU<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C4X+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^(#$R(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C$U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-3@N-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU."XU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/B`V,R`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$
M=VED=&@Z,3,W+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3,W+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/D-A<F0@365M8F5R(%)E8V5I
M=F%B;&5S.CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T
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M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`@(%4N4RX@0V%R9"!397)V:6-E<SPO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y
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M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HU."XU<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C4X+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#0T
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M:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`F
M(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,35P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU."XU<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C4X+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^(#0W(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,S<N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,S<N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/E1O=&%L/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.V)O
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M;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C4X+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#X@,38@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,35P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-3@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HU."XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/B`W.#(@/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,35P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,3$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-3@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HU."XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`T.2`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\
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M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#@T-"`\+V9O
M;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3,W+C(U<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3,W+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C4X+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
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M,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU."XU<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-3@N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-3@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C4X+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,35P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C4X
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HU."XU<'0[(#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,S<N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,S<N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\
M+W1D/CQT9"!C;VQS<&%N/3-$-2!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H
M.C$U-"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ-30N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^5&AR964@36]N=&AS($5N9&5D/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,35P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0U(')O=W-P86X]
M,T0Q('-T>6QE/3-$=VED=&@Z,34T+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U-"XU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.:6YE($UO;G1H<R!%;F1E9#PO9F]N=#X\
M+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,S<N,C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,S<N
M,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^
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M:61T:#HQ-30N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M4V5P=&5M8F5R(#,P+"`R,#$S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
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M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y397!T96UB97(@,S`L(#(P,3,\
M+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3,W+C(U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3,W+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="US='EL93II=&%L:6,[
M8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS
M1#$@<W1Y;&4],T1W:61T:#HV.2XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV.2XW-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^26YT97)E<W0@26YC;VUE/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,35P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M
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M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y!=F5R86=E/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D
M(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-CDN-S5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-CDN-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/DEN=&5R
M97-T($EN8V]M93PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4]
M,T1W:61T:#HV.2XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV.2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^079E<F%G93PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,S<N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,S<N,C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O
M;G0M<W1Y;&4Z:71A;&EC.V-O;&]R.B,P,#`P,#`[)R`^("A-:6QL:6]N<RD\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\+W1D
M/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C8Y
M+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C8Y+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y296-O9VYI>F5D/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,35P=#MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$U<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$
M,2!S='EL93TS1'=I9'1H.C8Y+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8Y+C<U<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y"86QA;F-E/"]F;VYT/CPO=&0^/'1D
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M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E)E8V]G;FEZ
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M,#`P,#`P.R<@/D)A;&%N8V4\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T
M>6QE/3-$=VED=&@Z,3,W+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3,W+C(U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/D-A<F0@365M8F5R($QO
M86YS.CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="US='EL93II=&%L:6,[8V]L
M;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C4X+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
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M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-3@N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU."XU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C$Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-3@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
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M,#`P,#`P.R<@/B`@(%4N4RX@0V%R9"!397)V:6-E<SPO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ
M,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-3@N-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU."XU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,3$@/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C4X+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^(#@U.2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-3@N-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU."XU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,S0@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C4X+C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#DX,B`\
M+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3,W+C(U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3,W+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@
M("!);G1E<FYA=&EO;F%L($-A<F0@4V5R=FEC97,\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
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M=&@Z-3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#0@
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M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#8V(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C$Q+C(U<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU
M."XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C4X+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
M/B`Q,B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ
M8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-3@N-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU."XU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-C@@/"]F;VYT/CPO=&0^/"]T
M<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C$S-RXR-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$S-RXR-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#Y#87)D($UE;6)E<B!296-E:79A8FQE<SH\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
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M-3@N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ8V5N
M=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-3@N-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU."XU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
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M-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3,W+C(U
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,3,W+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#X@("!5+E,N($-A<F0@4V5R=FEC97,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
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M=&@Z-3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^("8C
M.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUB
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M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-C(@/"]F;VYT
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M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M;W(Z(S`P,#`P,#LG(#X@.#D@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S
M='EL93TS1'=I9'1H.C$S-RXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$S-RXR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C$U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C4X+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#$U(#PO9F]N=#X\+W1D
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M;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HU."XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C4X+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/B`Y.#<@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,35P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C4X+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#0V(#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C$U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU."XU
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C4X+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`Q
M+#$S.2`\+V9O;G0^/"]T9#X\+W1R/CPO=&%B;&4^/"]D:78^/'`@<W1Y;&4]
M,T1L:6YE+6AE:6=H=#HR,'!T.R`O/CQD:78^/'`@<W1Y;&4],T1T97AT+6%L
M:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HQ,G!T.VUA<F=I;BUB;W1T;VTZ-G!T
M.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[9F]N="UW96EG:'0Z
M8F]L9#MT97AT+61E8V]R871I;VXZ=6YD97)L:6YE.VUA<F=I;BUL969T.C!P
M=#LG(#Y#87)D($UE;6)E<CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[9F]N="UW96EG
M:'0Z8F]L9#MT97AT+61E8V]R871I;VXZ=6YD97)L:6YE.R<@/B!,;V%N<R!A
M;F0@4F5C96EV86)L97,@36]D:69I960@87,@5$12<SPO9F]N=#X\+W`^/'`@
M<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HV<'0[;6%R
M9VEN+6)O='1O;3HV<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P
M=#MM87)G:6XM;&5F=#HP<'0[)R`^5&AE(&9O;&QO=VEN9R!T86)L92!P<F]V
M:61E<R!A9&1I=&EO;F%L(&EN9F]R;6%T:6]N('=I=&@@<F5S<&5C="!T;R!T
M:&4@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#Y5+E,N($-A<F0@4V5R=FEC97,@
M*%530U,I(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^0V%R9"!-96UB97(\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.R<@/B!L;V%N<R!A;F0@<F5C96EV86)L97,@;6]D
M:69I960@87,@5$12<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[)R`^9F]R/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#X@=&AE
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^=&AR964@86YD(#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[)R`^;FEN92!M;VYT:',@96YD960\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,7!T.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/E-E<'1E;6)E<B`S,#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$Q<'0[)R`^+B!4:&4@24-3(&%N9"!'0U,@0V%R9"!-
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M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^($9O
M<B!I;F9O<FUA=&EO;B!O;B!41%)S(&%N9"!T:&4@<F5L871E9"!A8V-O=6YT
M:6YG('!O;&EC:65S+"!R969E<B!T;R!.;W1E(#0@;VX@<&%G97,@-S0@)B,X
M,C$Q.R`W-CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(&]F('1H92!!;FYU86P@
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M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ.#$N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4:')E92!-;VYT:',@16YD960\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@
M8V]L<W!A;CTS1#@@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ.#$N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3@Q+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^3FEN92!-
M;VYT:',@16YD960\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$
M=VED=&@Z.3@N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HY."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E<B`S,"P@,C`Q-#PO
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M86-K.VUI;BUW:61T:#HQ.#$N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y397!T96UB97(@,S`L(#(P,30\+V9O;G0^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z.3@N,C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY."XR-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-#(N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0R+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,V<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC
M96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-G!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS.7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
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M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#(N
M-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^079E<F%G93PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ
M8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0R+C<U<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
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M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Y<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P
M.R<@/D%V97)A9V4\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$
M=VED=&@Z.3@N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HY."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#(N-S5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT,BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS-G!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-G!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,SEP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,SEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^
M079E<F%G92`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0R+C<U<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0R+C<U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/E!A>6UE;G0\+V9O
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M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS.7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS.7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y!=F5R86=E/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT,BXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y087EM96YT/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P
M,#`P.R<@/DYU;6)E<B!O9CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS
M1#$@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T
M.V-O;&]R.B,P,#`P,#`[)R`^3W5T<W1A;F1I;F<\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,SEP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,SEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[
M)R`^26YT97)E<W0@4F%T93PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C0N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#(N-S5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#(N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^5&5R
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M+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^3G5M8F5R(&]F/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!C
M;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C0S+C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/=71S=&%N
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M>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^26YT97)E<W0@4F%T93PO9F]N=#X\
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M.V-O;&]R.B,P,#`P,#`[)R`^5&5R;3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\
M=&0@<W1Y;&4],T1W:61T:#HY."XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CDX+C(U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,BXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y!8V-O=6YT<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
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M=#MC;VQO<CHC,#`P,#`P.R<@/D)A;&%N8V5S/"]F;VYT/CQS=7`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#XH82DH8BD\+V9O;G0^/"]S=7`^/"]T
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M,#`P,#`[)R`^4F5D=6-T:6]N/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT,BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y%
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M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/D%C8V]U;G1S/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D
M/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C0S
M+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y"
M86QA;F-E<SPO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[
M)R`^*&$I*&(I/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS.7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y2961U8W1I;VX\
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M:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/D5X=&5N<VEO;CPO9F]N=#X\+W1D
M/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HY."XR-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CDX+C(U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#XH:6X@=&AO=7-A;F1S*3PO9F]N
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@
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M=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^*"4@4&]I
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M;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^*",@;V8@36]N=&AS
M*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#(N-S5P=#MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#(N-S5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^*&EN('1H;W5S86YD<RD\
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M:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P
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M<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/B@E
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M4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/B@C(&]F($UO
M;G1H<RD\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z
M.3@N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HY."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/E1R;W5B;&5D($1E8G0@4F5S=')U8W1U<FEN9W,Z
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M1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-G!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,V
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS.7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Y<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M,BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0R+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0R+C<U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,S9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,SEP=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS.7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#(N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT,BXW-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE
M/3-$=VED=&@Z.3@N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HY."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y#87)D($UE;6)E<B!,;V%N<SPO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,BXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C$Q/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS-G!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/C@S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M.B,P,#`P,#`[)R`^.3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N
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M(S`P,#`P,#LG(#XH8RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
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M(S`P,#`P,#LG(#XS-3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-W!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S9P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S9P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-W!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
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M+7-I>F4Z-W!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ
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M+7-I>F4Z-W!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XH
M8RD\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z.3@N
M,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HY."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y#87)D($UE;6)E<B!296-E:79A8FQE<SPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT,BXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C0\+V9O;G0^/"]T9#X\=&0@<W1Y
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M8V]L;W(Z(S`P,#`P,#LG(#XT,3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
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M(S`P,#`P,#LG(#XH8RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0R+C<U<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0R+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C=P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^,3(\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
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M;&]R.B,P,#`P,#`[)R`^,3$\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M;VUA;CMF;VYT+7-I>F4Z-W!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XQ,CD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,Y<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Y<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C=P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^*&,I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
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M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[
M)R`^5&]T86P\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#(N-S5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#(N
M-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-W!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XQ-3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-W!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S9P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S9P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-W!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XQ,C0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,SEP=#MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,SEP
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-#(N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#(N-S5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M-W!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XT-CPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,S9P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S9P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XS.3`\+V9O;G0^
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M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT,BXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/"]T9#X\+W1R/CQT<B`^
M/'1D('-T>6QE/3-$=VED=&@Z.3@N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY."XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#(N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
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M9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C,V<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS.7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Y<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0R+C<U<'0[(#X\+W1D/CPO='(^
M/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HY."XR-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CDX+C(U<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS
M1#@@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ.#$N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3@Q+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^5&AR964@36]N=&AS($5N
M9&5D/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@
M/CPO=&0^/'1D(&-O;'-P86X],T0X(')O=W-P86X],T0Q('-T>6QE/3-$=VED
M=&@Z,3@Q+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$X,2XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P
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M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y397!T96UB97(@
M,S`L(#(P,3,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT
M97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#@@<F]W<W!A;CTS1#$@<W1Y
M;&4],T1W:61T:#HQ.#$N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3@Q+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T
M.V-O;&]R.B,P,#`P,#`[)R`^4V5P=&5M8F5R(#,P+"`R,#$S/"]F;VYT/CPO
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M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-G!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
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M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Y<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@
M/D%V97)A9V4\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT
M97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
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M;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C,V<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,Y<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS.7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT,BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y!=F5R86=E/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT
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M,#`P,#`P.R<@/D%V97)A9V4\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0R+C<U
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0R+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/E!A
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M+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS.7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y!=F5R86=E/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y087EM96YT/"]F;VYT/CPO=&0^/"]T
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M;VQO<CHC,#`P,#`P.R<@/DYU;6)E<B!O9CPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@
M<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^3W5T<W1A;F1I;F<\+V9O;G0^
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M.B,P,#`P,#`[)R`^26YT97)E<W0@4F%T93PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#(N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#(N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P
M,#`[)R`^5&5R;3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#(N-S5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#(N
M-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^3G5M8F5R(&]F
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\
M+W1D/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H
M.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG
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M;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^26YT97)E<W0@4F%T
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M+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^5&5R;3PO9F]N=#X\+W1D/CPO
M='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HY."XR-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CDX+C(U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT,BXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y!8V-O=6YT<SPO9F]N=#X\+W1D/CQT9"!S='EL
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M="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/D)A;&%N8V5S/"]F;VYT/CQS
M=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#XH82DH8BD\+V9O;G0^
M/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,SEP=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,SEP=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T
M.V-O;&]R.B,P,#`P,#`[)R`^4F5D=6-T:6]N/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,BXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y%>'1E;G-I;VX\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0R+C<U
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0R+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/D%C
M8V]U;G1S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU
M<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS
M1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y"86QA;F-E<SPO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R
M.B,P,#`P,#`[)R`^*&$I*&(I/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS.7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y2
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M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/D5X=&5N<VEO;CPO
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M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#XH:6X@=&AO=7-A
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M,#`P,#`P.R<@/B@D(&EN(&UI;&QI;VYS*3PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS.7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG
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M<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/B@C
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M=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^*&EN('1H
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M;VQO<CHC,#`P,#`P.R<@/B@D(&EN(&UI;&QI;VYS*3PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS.7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XH)2!0;VEN=',I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P
M,#`P.R<@/B@C(&]F($UO;G1H<RD\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D
M('-T>6QE/3-$=VED=&@Z.3@N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HY."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/E1R;W5B;&5D($1E8G0@
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M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C,V<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS.7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Y<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT,BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0R+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0R+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,S9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,SEP=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS.7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-#(N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T
M>6QE/3-$=VED=&@Z.3@N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HY."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y#87)D($UE;6)E<B!,;V%N<SPO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT,BXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XQ,B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS-G!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-G!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XY,3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS.7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ,#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XH8RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#(N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#(N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[
M)R`^-#<\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-G!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XS-3<\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,SEP=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,SEP=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^,3$\+V9O;G0^/"]T9#X\
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M.B,P,#`P,#`[)R`^*&,I/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL
M93TS1'=I9'1H.CDX+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z.3@N,C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O
M;&]R.B,P,#`P,#`[)R`^0V%R9"!-96UB97(@4F5C96EV86)L97,\+V9O;G0^
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M-W!T.V-O;&]R.B,P,#`P,#`[)R`^-"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
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M97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/C0Y/"]F
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M;VQO<CHC,#`P,#`P.R<@/BAC*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT,BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ
M,CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ-CPO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[
M)R`^,C`T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,Y<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Y<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/BAC*3PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,BXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XQ,CPO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W
M:61T:#HY."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.CDX+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P
M,#`P.R<@/E1O=&%L/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0R+C<U<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0R+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/C$V(#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M-W!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C,V<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C,V<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P
M.R<@/C$T,#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS.7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Y<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T
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M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT,BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XV,SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO
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M:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/C4V,3PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW
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M>F4Z.'!T.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^4V5P=&5M8F5R(#,P
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/BP@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@
M/C(P,3,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^+"!W:&5R92!A9V=R96=A=&4@
M<')I;F-I<&%L(&)A;&%N8V5S('=E<F4@<F5D=6-E9"!B>2`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[)R`^)#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#XT/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.R<@/B!M:6QL:6]N+B`\+V9O;G0^/"]L:3X\;&D@<W1Y;&4]
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M;&]W97(M86QP:&$[=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T
M.VUA<F=I;BUB;W1T;VTZ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^1F]R($-A<F0@
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M/F)E87)I;F<N(#PO9F]N=#X\+VQI/CPO=6P^/'`@<W1Y;&4],T1T97AT+6%L
M:6=N.FQE9G0[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HP<'0[;&EN
M92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F=#HP<'0[
M)R`^#0H\+V9O;G0^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y
M.VUA<F=I;BUT;W`Z,3)P=#MM87)G:6XM8F]T=&]M.C9P=#ML:6YE+6AE:6=H
M=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.VUA<F=I;BUL969T.C!P=#LG(#Y4:&4@
M9F]L;&]W:6YG('1A8FQE('!R;W9I9&5S(&EN9F]R;6%T:6]N(#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[)R`^9F]R('1H92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@
M/G1H<F5E(&%N9"!N:6YE(&UO;G1H<R!E;F1E9#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^4V5P=&5M8F5R(#,P/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#LG(#XL(#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^
M,C`Q-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(&%N9"`\+V9O;G0^/&9O;G0@
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M="US:7IE.C$Q<'0[)R`^55-#4R!#87)D($UE;6)E<CPO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^(&QO86YS(&%N9"!R96-E:79A8FQE<R!M;V1I9FEE9"!A<R!4
M1%)S(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^=&AA="!S=6)S97%U96YT;'D@
M9&5F875L=&5D/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#X@=SPO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[)R`^:71H:6X@,3(@;6]N=&AS(&]F(&UO9&EF:6-A=&EO;BX\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@
M/D$\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4]
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M='EL93TS1'=I9'1H.C(S.2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C(S.2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
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M.V-O;&]R.B,P,#`P,#`[)R`^5&AR964@36]N=&AS($5N9&5D/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!C;VQS
M<&%N/3-$-2!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$Q,7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$Q<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/DYI;F4@36]N=&AS($5N
M9&5D/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C(S
M.2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C(S.2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
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M;&]R.B,P,#`P,#`[)R`^4V5P=&5M8F5R(#,P+"`R,#$T/"]F;VYT/CPO=&0^
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M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E
M<B`S,"P@,C`Q-#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W
M:61T:#HR,SDN,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HR,SDN,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E
M<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P
M,#`P,#`[)R`^06=G<F5G871E9#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT
M97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/D%G9W)E9V%T960\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D
M('-T>6QE/3-$=VED=&@Z,C,Y+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C,Y+C(U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M,RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#,N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
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M.B,P,#`P,#`[)R`^3W5T<W1A;F1I;F<@/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W
M:61T:#HU,2XW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HU,2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y/=71S=&%N9&EN9R`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D
M('-T>6QE/3-$=VED=&@Z,C,Y+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C,Y+C(U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M3G5M8F5R(&]F/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^0F%L86YC97,\+V9O;G0^/"]T
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/DYU;6)E<B!O9CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/D)A;&%N8V5S/"]F
M;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C(S.2XR-7!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C(S.2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="US='EL93II=&%L:6,[
M8V]L;W(Z(S`P,#`P,#LG(#XH06-C;W5N=',@:6X@=&AO=7-A;F1S+"!$;VQL
M87)S(&EN(&UI;&QI;VYS*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^06-C;W5N
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M,#`P,#`[)R`^57!O;B!$969A=6QT/"]F;VYT/CQS=7`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XH82D\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
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M=#MC;VQO<CHC,#`P,#`P.R<@/E5P;VX@1&5F875L=#PO9F]N=#X\<W5P/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^*&$I/"]F;VYT/CPO<W5P/CPO
M=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C(S.2XR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(S.2XR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/E1R;W5B;&5D($1E8G0@4F5S=')U8W1U<FEN9W,@5&AA="!3=6)S97%U
M96YT;'D@1&5F875L=&5D.CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R+71O
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M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
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M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C0S+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#,N-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED
M=&@Z,C,Y+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,C,Y+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/D-A<F0@365M8F5R($QO86YS/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/C(\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N
M,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^,C`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
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M9F]N="US:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^-CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#XV,#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HR
M,SDN,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HR,SDN,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^0V%R9"!-96UB97(@4F5C96EV86)L97,\+V9O;G0^/"]T9#X\=&0@
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M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,3PO9F]N=#X\+W1D/CQT9"!S='EL
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M:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z
M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/CD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C@N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M,RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#XR/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX
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M.V-O;&]R.B,P,#`P,#`[)R`^,C<\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D
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M=#MC;VQO<CHC,#`P,#`P.R<@/E1O=&%L/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C@N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/C,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C@N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^,CD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^.#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU
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M;W(Z(S`P,#`P,#LG(#XX-SPO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y
M;&4],T1W:61T:#HR,SDN,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HR,SDN,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX
M+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT,RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#,N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HR.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N
M,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[
M(#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HR,SDN,C5P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HR,SDN,C5P=#L@/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
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M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/'-U<#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]S=7`^/"]T
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M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HR,SDN,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$-2!R;W=S<&%N/3-$
M,2!S='EL93TS1'=I9'1H.C$Q,7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$Q<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO
M<CHC,#`P,#`P.R<@/E1H<F5E($UO;G1H<R!%;F1E9#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS
M1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,3%P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E
M;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q,7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.:6YE($UO;G1H<R!%;F1E9#PO
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M,#`P,#`P.R<@/E-E<'1E;6)E<B`S,"P@,C`Q,SPO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS
M1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,3%P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q,7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y397!T96UB97(@,S`L
M(#(P,3,\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z
M,C,Y+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C,Y+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E
M;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/D%G9W)E9V%T960\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC
M96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C@N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y!9V=R96=A=&5D/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL
M93TS1'=I9'1H.C(S.2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C(S.2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/D]U='-T86YD:6YG(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO
M=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z
M-3$N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-3$N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^3W5T<W1A;F1I;F<@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL
M93TS1'=I9'1H.C(S.2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C(S.2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/DYU;6)E
M<B!O9CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#MC;VQO<CHC,#`P,#`P.R<@/D)A;&%N8V5S/"]F;VYT/CPO=&0^/'1D
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M:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
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M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y"86QA;F-E<SPO9F]N=#X\
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M.B,P,#`P,#`[)R`^*$%C8V]U;G1S(&EN('1H;W5S86YD<RP@1&]L;&%R<R!I
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M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/D%C8V]U;G1S/"]F
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/E5P;VX@1&5F875L=#PO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^*&$I/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE/3-$
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M=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y!
M8V-O=6YT<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4]
M,T1W:61T:#HU,2XW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HU,2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y5<&]N($1E9F%U;'0\+V9O;G0^/'-U<#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#MC;VQO<CHC,#`P,#`P.R<@/BAA*3PO9F]N=#X\+W-U<#X\+W1D/CPO
M='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HR,SDN,C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,SDN,C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#Y4
M<F]U8FQE9"!$96)T(%)E<W1R=6-T=7)I;F=S(%1H870@4W5B<V5Q=65N=&QY
M($1E9F%U;'1E9#H\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT,RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T
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M9'1H.C@N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0S+C5P=#L@/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C(S
M.2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C(S.2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y#87)D($UE;6)E<B!,;V%N<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^-#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#,N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
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M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ-3PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX
M+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XD
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C$S.#PO9F]N=#X\+W1D
M/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HR,SDN,C5P=#MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,SDN
M,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^0V%R9"!-96UB
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M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C$\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/C@\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C,\+V9O
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M=#MC;VQO<CHC,#`P,#`P.R<@/C,S/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT
M9"!S='EL93TS1'=I9'1H.C(S.2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(S.2XR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4;W1A;#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M,RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M-3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO
M<CHC,#`P,#`P.R<@/C0U/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ.#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/C$W,3PO9F]N=#X\+W1D/CPO='(^/"]T86)L93X\+V1I=CX\<"!S='EL
M93TS1&QI;F4M:&5I9VAT.C(P<'0[("\^/&1I=CX\<"!S='EL93TS1'1E>'0M
M86QI9VXZ:G5S=&EF>3ML:6YE+6AE:6=H=#HQ,G!T.R`^/"]P/CQU;#X\;&D@
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M.V9O;G0M<VEZ93HX<'0[)R`^<R!P<FEN8VEP86P\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[)R`^+"!F965S(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
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M)R`^;V%N<R!A;F0@<')I;F-I<&%L(&%N9"!F965S(&]N($-A<F0@365M8F5R
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#LG(#YR/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@
M/F5C96EV86)L97,N/"]F;VYT/CPO;&D^/"]U;#X\+V1I=CX\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y
M/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7SAC8S9C965C7S0Y,&)?
M-#)F.5\X,F0P7S9A,C,Q,68W-S`Y80T*0V]N=&5N="U,;V-A=&EO;CH@9FEL
M93HO+R]#.B\X8V,V8V5E8U\T.3!B7S0R9CE?.#)D,%\V83(S,3%F-S<P.6$O
M5V]R:W-H965T<R]3:&5E=#$S+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC
M;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H
M=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*
M("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS
M1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E
M>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@
M5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@
M("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%344^#0H@("`@("`\
M='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P
M86X],T0R/CQS=')O;F<^4F5S97)V97,@9F]R($QO<W-E<SQB<CX\+W-T<F]N
M9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,3XY
M($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$T/&)R/CPO=&@^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/E)E<V5R=F5S
M($9O<B!,;W-S97,@0V%R9"!-96UB97(@4F5C96EV86)L97,@06YD($QO86YS
M($1I<V-L;W-U<F4@6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^4F5S97)V92!F;W(@3&]S<V5S/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/&1I=CX\<"!S='EL93TS1'1E
M>'0M86QI9VXZ;&5F=#MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C!P
M=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT
M.F)O;&0[;6%R9VEN+6QE9G0Z+3$U+C%P=#MC;VQO<CHC,#`P,#`P.R<@/B`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XT/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^+CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`@/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^4F5S97)V
M97,@9F]R($P\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#YO<W-E<SPO9F]N=#X\+W`^/'`@<W1Y;&4],T1T
M97AT+6%L:6=N.FIU<W1I9GD[;&EN92UH96EG:'0Z,3)P=#L@/CPO<#X\<"!S
M='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P=#MM87)G
M:6XM8F]T=&]M.C!P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.VUA<F=I;BUL969T.C!P=#MC;VQO<CHC,#`P,#`P.R<@/E)E<V5R=F5S(&9O
M<B!L;W-S97,@<F5L871I;F<@=&\@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO
M<CHC,#`P,#`P.R<@/D-A<F0@365M8F5R/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC
M;VQO<CHC,#`P,#`P.R<@/B!L;V%N<R!A;F0@<F5C96EV86)L97,@<F5P<F5S
M96YT(&UA;F%G96UE;G0F(S@R,3<[<R!B97-T(&5S=&EM871E(&]F('1H92!P
M<F]B86)L92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^
M;&]S<V5S(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#YI
M;FAE<F5N="!I;B!T:&4@0V]M<&%N>28C.#(Q-SMS(&]U='-T86YD:6YG('!O
M<G1F;VQI;R!O9B!L;V%N<R!A;F0@<F5C96EV86)L97,L/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B!A<R!O9B!T:&4@8F%L86YC92!S
M:&5E="!D871E+B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[
M)R`^36%N86=E;65N="8C.#(Q-SMS(&5V86QU871I;VX@<')O8V5S<R!R97%U
M:7)E<R!C97)T86EN(&5S=&EM871E<R!A;F0@:G5D9VUE;G1S+B`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^1F]R(&EN9F]R;6%T:6]N
M(&]N('1H92!#;VUP86YY)B,X,C$W.W,@<F5S97)V97,@9F]R(&QO<W-E<R!A
M;F0@=&AE(')E;&%T960@86-C;W5N=&EN/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC
M;VQO<CHC,#`P,#`P.R<@/F<@<&]L:6-I97,L(')E9F5R('1O(#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.;W1E(#4\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[8V]L;W(Z(S`P,#`P,#LG(#YO;B!P86=E<R`W-R`F(S@R,3$[(#<X/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B!O9B!T:&4@06YN
M=6%L(%)E<&]R="X@/"]F;VYT/CPO<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ
M:G5S=&EF>3ML:6YE+6AE:6=H=#HQ,G!T.R`^/"]P/CQP('-T>6QE/3-$=&5X
M="UA;&EG;CIL969T.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,'!T
M.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[9F]N="UW96EG:'0Z
M8F]L9#MT97AT+61E8V]R871I;VXZ=6YD97)L:6YE.VUA<F=I;BUL969T.C!P
M=#MC;VQO<CHC,#`P,#`P.R<@/@T*/"]F;VYT/CPO<#X\<"!S='EL93TS1'1E
M>'0M86QI9VXZ;&5F=#MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C9P
M=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT
M.F)O;&0[=&5X="UD96-O<F%T:6]N.G5N9&5R;&EN93MM87)G:6XM;&5F=#HP
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y#:&%N/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MF
M;VYT+7=E:6=H=#IB;VQD.W1E>'0M9&5C;W)A=&EO;CIU;F1E<FQI;F4[8V]L
M;W(Z(S`P,#`P,#LG(#YG97,@:6X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MF;VYT
M+7=E:6=H=#IB;VQD.W1E>'0M9&5C;W)A=&EO;CIU;F1E<FQI;F4[8V]L;W(Z
M(S`P,#`P,#LG(#Y#87)D($UE;6)E<CPO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[9F]N
M="UW96EG:'0Z8F]L9#MT97AT+61E8V]R871I;VXZ=6YD97)L:6YE.V-O;&]R
M.B,P,#`P,#`[)R`^(%)E8V5I=F%B;&5S(%)E<V5R=F4@9F]R($QO<W-E<R`\
M+V9O;G0^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I
M;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ-G!T.VQI;F4M:&5I9VAT.C$R<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[;6%R9VEN+6QE9G0Z,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^5&AE(&9O;&QO=VEN9R!T86)L92!P<F5S96YT<R!C:&%N9V5S(&EN('1H
M92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^0V%R9"!-
M96UB97(\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^(')E
M8V5I=F%B;&5S(')E<V5R=F4@9F]R(&QO<W-E<R!F;W(\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^('1H93PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO
M<CHC,#`P,#`P.R<@/FYI;F4@;6]N=&AS(&5N9&5D/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O
M;&]R.B,P,#`P,#`[)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P
M=#MC;VQO<CHC,#`P,#`P.R<@/CH\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R
M.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W`^/"]D:78^/'`@<W1Y;&4],T1L:6YE
M+6AE:6=H=#HR,'!T.R`O/CQD:78^/'1A8FQE('-T>6QE/3-$8F]R9&5R+6-O
M;&QA<'-E.F-O;&QA<'-E.R`^/'1R(#X\=&0@8V]L<W!A;CTS1#,@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HS,C0N-S5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,C0N-S5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MF;VYT+7-T>6QE.FET86QI8SMC;VQO<CHC,#`P,#`P.R<@/BA-
M:6QL:6]N<RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T
M>6QE/3-$=VED=&@Z-C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV-RXU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@8V]L
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M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O
M;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0S(')O=W-P86X],T0Q
M('-T>6QE/3-$=VED=&@Z,S(T+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S(T+C<U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y"86QA;F-E+"!*86YU87)Y)B,Q-C`[,3PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C8P<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8P<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C,X-CPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8P
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C8P<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XT,C@\+V9O
M;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N
M,C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE
M/3-$=VED=&@Z,S$V+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS,38N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^4')O=FES:6]N<SPO9F]N=#X\<W5P/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/BAA*3PO9F]N=#X\+W-U<#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C@N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y
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M.V-O;&]R.B,P,#`P,#`[)R`^-3DT/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XT-S0\+V9O;G0^
M/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P
M=#L@/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$
M=VED=&@Z,S$V+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS,38N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^3F5T('=R:71E+6]F9G,\+V9O;G0^/'-U<#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XH8BD\+V9O;G0^/"]S=7`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T
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M9#MC;VQO<CHC,#`P,#`P.R<@/B@U,C<I/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XH-3`W*3PO
M9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z."XR-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@
M<W1Y;&4],T1W:61T:#HS,38N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Q-BXU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/=&AE<CPO9F]N=#X\<W5P/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/BAC*3PO9F]N=#X\+W-U<#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C@N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@
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M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^*#(Q*3PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C@N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV,'!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^,3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#,@
M<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HS,C0N-S5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,C0N-S5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/D)A;&%N8V4L(%-E<'1E
M;6)E<B`S,#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HX+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V
M,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8P<'0[
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M,#`P,#`P.R<@/C0S,CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N
M,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N
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M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XS.38\+V9O;G0^/"]T9#X\+W1R/CPO
M=&%B;&4^/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O/CQD
M:78^/'5L/CQL:2!S='EL93TS1&QI<W0M<W1Y;&4Z;&]W97(M86QP:&$[=&5X
M="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z-G!T.VUA<F=I;BUB;W1T;VTZ
M,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y0/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^<F]V:7-I;VYS(&9O<CPO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YP<FEN8VEP86P@*')E<W5L=&EN9R!F
M<F]M(&%U=&AO<FEZ960@=')A;G-A8W1I;VYS*2!A;F0@9F5E(')E<V5R=F4@
M8V]M<&]N96YT<RX@/"]F;VYT/CPO;&D^/&QI('-T>6QE/3-$;&ES="US='EL
M93IL;W=E<BUA;'!H83MT97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP
M<'0[;6%R9VEN+6)O='1O;3HR<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/D-O;G-I<W1S(&]F('!R:6YC:7!A;"`H<F5S=6QT:6YG(&9R;VT@
M875T:&]R:7IE9"!T<F%N<V%C=&EO;G,I(&%N9"!F964@8V]M<&]N96YT<RP@
M;&5S<R!R96-O=F5R:65S(&]F("0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XR-CD\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#X@;6EL;&EO;B!A;F0@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P
M,#`P,#`[)R`^)#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
M/C,P-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!M:6QL
M:6]N+"!I;F-L=61I;F<@;F5T('=R:71E+6]F9G,@9G)O;2!41%)S(&]F(#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ-#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/B!M:6QL:6]N(&%N9"`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^,38\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@;6EL;&EO;BP@9F]R('1H92`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#YN:6YE(&UO;G1H<R!E;F1E9#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y397!T96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XL(#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO
M<CHC,#`P,#`P.R<@/C(P,30\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@86YD(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/C(P,3,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XL
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(')E<W!E8W1I
M=F5L>2X@/"]F;VYT/CPO;&D^/&QI('-T>6QE/3-$;&ES="US='EL93IL;W=E
M<BUA;'!H83MT97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R
M9VEN+6)O='1O;3HR<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
M/D)E9VEN;FEN9R!I;B!F:7)S="!Q=6%R=&5R(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XL(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/G)E<V5R=F5S(&9O<B!C87)D(')E;&%T960@9G)A=60@;&]S<V5S
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/F]F("0\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XH-RD\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#X@;6EL;&EO;B!A<F4@<F5F;&5C=&5D(&EN(#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/F]T:&5R/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(&QI86)I;&ET:65S+B!!
M;&P@<&5R:6]D<R!I;F-L=61E(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/F9O<F5I9VX@8W5R<F5N8WD@=')A;G-L871I;VX@861J=7-T
M;65N=',@;V8@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M)"@V*3PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YM:6QL:6]N(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/F%N9"`D/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^*#,I/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^(&UI;&QI;VX@9F]R('1H92`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[)R`^;FEN92!M;VYT:',@96YD960\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#Y397!T96UB97(@,S`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^
M,C`Q-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
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M)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/F%N9"!O
M=&AE<B!I=&5M<R!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^*#@I
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(&UI;&QI;VX@
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^86YD(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XT/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^(&UI;&QI;VX@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^9F]R('1H92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^
M;FEN92!M;VYT:',@96YD960\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#LG(#Y397!T96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^,C`Q-#PO9F]N=#X\9F]N
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M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^+CPO9F]N=#X\+VQI/CPO=6P^/'`@
M<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;&EN92UH96EG:'0Z,3)P=#L@
M/CPO<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P
M.C!P=#MM87)G:6XM8F]T=&]M.C9P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[=&5X="UD96-O<F%T:6]N.G5N
M9&5R;&EN93MM87)G:6XM;&5F=#HP<'0[)R`^0V%R9"!-96UB97(\+V9O;G0^
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M87)G:6XM8F]T=&]M.C9P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,7!T.VUA<F=I;BUL969T.C!P=#LG(#Y4:&4@9F]L;&]W:6YG('1A8FQE('!R
M97-E;G1S(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^0V%R9"!-96UB97(\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.R<@/B!R96-E:79A8FQE<R!E=F%L=6%T960@/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#LG(#YI;F1I=FED=6%L;'D@86YD(&-O;&QE8W1I
M=F5L>2!F;W(@:6UP86ER/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YM96YT(&%N
M9"!R96QA=&5D(')E<V5R=F5S(&%S(&]F(#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[
M)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#XL(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[)R`^,C`Q-#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^
M(&%N9"!$96-E;6)E<B`S,2P@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
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M1'=I9'1H.C,T-2XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C,T-2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M
M<W1Y;&4Z:71A;&EC.V-O;&]R.B,P,#`P,#`[)R`^*$UI;&QI;VYS*3PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T
M9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HU
M-2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C4U+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
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M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$S/"]F;VYT/CPO=&0^/"]T
M<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C,T-2XW-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T-2XW-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^0V%R9"!-96UB97(@<F5C96EV
M86)L97,@979A;'5A=&5D(&EN9&EV:61U86QL>2!F;W(@:6UP86ER;65N=#PO
M9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/BAA*3PO
M9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XT-#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.CDN-S5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY+C<U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
M/C4P/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C,T
M-2XW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C,T-2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^4F5L871E9"!R97-E<G9E<R`\+V9O;G0^/'-U<#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XH82D\+V9O;G0^/"]S=7`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,S(\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HY+C<U<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.2XW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XS.#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4]
M,T1W:61T:#HS-#4N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS-#4N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/D-A<F0@365M8F5R(')E8V5I=F%B;&5S(&5V86QU871E9"!C
M;VQL96-T:79E;'D@9F]R(&EM<&%I<FUE;G0\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,3`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^-#4L,#<S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,3`N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.2XW
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.CDN-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^-#0L,3$S/"]F;VYT/CPO=&0^/"]T<CX\
M='(@/CQT9"!S='EL93TS1'=I9'1H.C,T-2XW-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T-2XW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^4F5L871E9"!R97-E<G9E
M<R`\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XH
M8BD\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P
M=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^-#`P/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,3`N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
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M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,S0X/"]F;VYT
M/CPO=&0^/"]T<CX\+W1A8FQE/CPO9&EV/CQP('-T>6QE/3-$;&EN92UH96EG
M:'0Z,C!P=#L@+SX\9&EV/CQU;#X\;&D@<W1Y;&4],T1L:7-T+7-T>6QE.FQO
M=V5R+6%L<&AA.W1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C9P=#MM
M87)G:6XM8F]T=&]M.C)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^4F5P<F5S96YT<R!R96-E:79A8FQE<R!M;V1I9FEE9"!I;B!A(%1$4B!A
M;F0@<F5L871E9"!R97-E<G9E<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/BX\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^4F5F97(@
M=&\\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@=&AE($EM
M<&%I<F5D(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/D-A
M<F0@365M8F5R/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/DQO86YS/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(&%N9"!296-E:79A
M8FQE<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!D:7,\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YC=7-S:6]N(&EN
M($X\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YO=&4@/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^-#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!O;B!P86=E<R`W-"`F(S@R,3$[
M(#<V/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(&]F('1H
M92!!;FYU86P@4F5P;W)T(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/F9O<B!F=7)T:&5R(&EN9F]R;6%T:6]N+CPO9F]N=#X\+VQI/CQL
M:2!S='EL93TS1&QI<W0M<W1Y;&4Z;&]W97(M86QP:&$[=&5X="UA;&EG;CIJ
M=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,G!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4:&4@<F5S97)V97,@:6YC;'5D
M92!T:&4@<75A;G1I=&%T:79E(')E<W5L=',@;V8@86YA;'ET:6-A;"!M;V1E
M;',@=&AA="!A<F4@<W!E8VEF:6,@=&\@:6YD:79I9'5A;"!P;V]L<R!O9B`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YR96-E:79A8FQE
M<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!A;F0@<F5S
M97)V97,@9F]R(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
M/FEN=&5R;F%L(&%N9"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#YE>'1E<FYA;"!Q=6%L:71A=&EV92`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#YR:7-K(#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO
M<CHC,#`P,#`P.R<@/F9A8W1O<G,@=&AA="!A<'!L>2!T;R!R96-E:79A8FQE
M<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!T:&%T(&%R
M92!C;VQL96-T:79E;'D@979A;'5A=&5D(&9O<B!I;7!A:7)M96YT/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^+CPO9F]N=#X\+VQI/CPO
M=6P^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;&EN92UH96EG:'0Z
M,3)P=#L@/CPO<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM87)G
M:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C9P=#ML:6YE+6AE:6=H=#HQ,G!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[=&5X="UD96-O<F%T
M:6]N.G5N9&5R;&EN93MM87)G:6XM;&5F=#HP<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y#:&%N9V5S(&EN(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[9F]N="UW96EG:'0Z
M8F]L9#MT97AT+61E8V]R871I;VXZ=6YD97)L:6YE.V-O;&]R.B,P,#`P,#`[
M)R`^0V%R9"!-96UB97(\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT
M.F)O;&0[=&5X="UD96-O<F%T:6]N.G5N9&5R;&EN93MC;VQO<CHC,#`P,#`P
M.R<@/B!,;V%N<R!297-E<G9E(&9O<B!,;W-S97,\+V9O;G0^/"]P/CQP('-T
M>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I
M;BUB;W1T;VTZ-G!T.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[
M;6%R9VEN+6QE9G0Z,'!T.V-O;&]R.B,P,#`P,#`[)R`^5&AE(&9O;&QO=VEN
M9R!T86)L92!P<F5S96YT<R!C:&%N9V5S(&EN('1H92`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^0V%R9"!-96UB97(\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^(&QO86YS(')E<V5R=F4@9F]R
M(&QO<W-E<R!F;W(@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P
M.R<@/G1H92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^
M;FEN92!M;VYT:',@96YD960\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P
M,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y397!T96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P
M,#`[)R`^.CPO9F]N=#X\+W`^/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H
M=#HR,'!T.R`O/CQD:78^/'1A8FQE('-T>6QE/3-$8F]R9&5R+6-O;&QA<'-E
M.F-O;&QA<'-E.R`^/'1R(#X\=&0@8V]L<W!A;CTS1#,@<F]W<W!A;CTS1#$@
M<W1Y;&4],T1W:61T:#HS,3@N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,3@N-S5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MF;VYT+7-T>6QE.FET86QI8SMC;VQO<CHC,#`P,#`P.R<@/BA-:6QL:6]N
M<RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
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M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D(&-O;'-P
M86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-C<N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV-RXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$S/"]F;VYT
M/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,R!R;W=S<&%N/3-$,2!S
M='EL93TS1'=I9'1H.C,Q."XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,Q."XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^0F%L86YC92P@2F%N=6%R>28C,38P.S$\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C8P<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8P<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C$L,C8Q/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV,'!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,2PT
M-S$\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$N
M,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS
M1#$@<W1Y;&4],T1W:61T:#HS,#<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,P-RXU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y0<F]V:7-I;VYS/"]F;VYT/CQS=7`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^*&$I/"]F;VYT/CPO<W5P/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
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M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C<Y-SPO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C8P<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C8P<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XX,C4\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z
M,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HS,#<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,P-RXU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@=W)I=&4M;V9F<SPO9F]N=#X\
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M;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-C!P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV,'!T.R`^
M/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(Y-BXR-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(Y-BXR-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^4')I;F-I<&%L/"]F;VYT
M/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^*&(I/"]F;VYT
M/CPO<W5P/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-C!P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-C!P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^*#<X-BD\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV,'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HV,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^*#@X."D\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE
M/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C(Y-BXR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C(Y-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^26YT97)E<W0@86YD(&9E97,\+V9O;G0^/'-U<#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XH8BD\+V9O;G0^/"]S=7`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@
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M;VQD.V-O;&]R.B,P,#`P,#`[)R`^*#$R-"D\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M,'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^*#$Q
M,RD\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$N
M,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HS,#<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,P-RXU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/=&AE<CPO9F]N=#X\<W5P/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/BAC*3PO9F]N=#X\+W-U<#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV,'!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV,'!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XH,BD\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV,'!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV,'!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^*#$T*3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@
M8V]L<W!A;CTS1#,@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HS,3@N-S5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS,3@N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/D)A
M;&%N8V4L(%-E<'1E;6)E<B`S,#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$Q+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-C!P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-C!P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,2PQ-#8\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8P
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C8P<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ+#(X
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M,#`P,#`P.R<@/E`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#YR;W9I<VEO;G,@9F]R('!R:6YC:7!A;"`H<F5S=6QT:6YG(&9R;VT@875T
M:&]R:7IE9"!T<F%N<V%C=&D\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#YO;G,I+"!I;G1E<F5S="!A;F0@9F5E(')E<V5R=F4\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YS/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO
M<CHC,#`P,#`P.R<@/F-O;7!O;F5N=',N(#PO9F]N=#X\+VQI/CQL:2!S='EL
M93TS1&QI<W0M<W1Y;&4Z;&]W97(M86QP:&$[=&5X="UA;&EG;CIJ=7-T:69Y
M.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,G!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y#;VYS:7-T<R!O9CPO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!P<FEN8VEP86P@/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^=W)I=&4M;V9F<R`H<F5S=6QT:6YG
M(&9R;VT@875T:&]R:7IE9"!T<F%N<V%C=&EO;G,I+"!L97-S(')E8V]V97)I
M97,@;V8@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C,R-#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[8V]L;W(Z(S`P,#`P,#LG(#YM:6QL:6]N(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/F%N9#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO
M<CHC,#`P,#`P.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^,S0S
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/FUI;&QI;VX\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XL(&EN8VQU9&EN9R!N970@=W)I
M=&4M;V9F<R!F<F]M(%1$4G,@;V8@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^)#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/B@U*3PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YM:6QL:6]N(&%N
M9#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^-CPO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO
M<CHC,#`P,#`P.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#YM:6QL:6]N/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^+#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YF;W(@=&AE(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/FYI;F4@;6]N=&AS(&5N
M9&5D/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E<B`S,#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/BP@/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!A;F0@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO
M<CHC,#`P,#`P.R<@/BP@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^<F5S<&5C=&EV96QY+CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/B!296-O=F5R:65S(&]F(&EN=&5R97-T(&%N9"!F965S('=E
M<F4@9&4@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^;6EN
M:6UI<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/BX\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO;&D^
M/&QI('-T>6QE/3-$;&ES="US='EL93IL;W=E<BUA;'!H83MT97AT+6%L:6=N
M.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HR<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/D)E9VEN;FEN9R`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YI;B`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YF:7)S="!Q=6%R=&5R(#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XL(#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/G)E<V5R=F5S(#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/F9O<CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#YC87)D(')E;&%T960@9G)A=60@;&]S<V5S/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^(&]F("0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XH-BD\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@;6EL;&EO;B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#YA<F4@<F5F;&5C=&5D(&EN(#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/F]T:&5R(&QI86)I;&ET:65S+CPO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y!;&P@<&5R:6]D<R!I;F-L=61E(#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/F9O<F5I9VX@8W5R<F5N8WD@
M=')A;G-L871I;VX@861J=7-T;65N=',@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^;V8\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M)#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B@W*3PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YM:6QL:6]N/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO
M<CHC,#`P,#`P.R<@/F%N9"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XD/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M*#@I/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/FUI;&QI;VX@/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^9F]R/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/G0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#YH92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#YN:6YE(&UO;G1H<R!E;F1E9#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y397!T96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XL(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C(P
M,30\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@86YD(#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XL/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^(')E<W!E8W1I=F5L>2P\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^86YD/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^(&]T:&5R(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/FET96T\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#YS(&]F(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
M/B0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ,3PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YM:6QL:6]N(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#MC;VQO<CHC,#`P,#`P.R<@/F%N9"`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P
M,#`P,#`[)R`^*#8I/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/FUI;&QI
M;VX\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@9F]R('1H
M93PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YN:6YE(&UO;G1H<R!E;F1E
M9#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y397!T96UB97(@,S`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XL(#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[8V]L;W(Z(S`P,#`P,#LG(#X@86YD(#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XL(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/G)E<W!E8W1I=F5L/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^>2X@/"]F;VYT/CPO;&D^/"]U;#X\<"!S='EL93TS1'1E>'0M86QI
M9VXZ:G5S=&EF>3ML:6YE+6AE:6=H=#HQ,G!T.R`^/"]P/CQP('-T>6QE/3-$
M=&5X="UA;&EG;CIL969T.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ
M,'!T.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[9F]N="UW96EG
M:'0Z8F]L9#MT97AT+61E8V]R871I;VXZ=6YD97)L:6YE.VUA<F=I;BUL969T
M.C!P=#LG(#X-"CPO9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU
M<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HV<'0[;&EN92UH
M96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MF;VYT+7=E:6=H=#IB;VQD.W1E
M>'0M9&5C;W)A=&EO;CIU;F1E<FQI;F4[;6%R9VEN+6QE9G0Z,'!T.R<@/D-A
M<F0@365M8F5R/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MF;VYT+7=E:6=H=#IB;VQD
M.W1E>'0M9&5C;W)A=&EO;CIU;F1E<FQI;F4[)R`^($QO86YS($5V86QU871E
M9"!);F1I=FED=6%L;'D\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT
M.F)O;&0[=&5X="UD96-O<F%T:6]N.G5N9&5R;&EN93LG(#X@86YD($-O;&QE
M8W1I=F5L>2!F;W(@26UP86ER;65N=#PO9F]N=#X\+W`^/'`@<W1Y;&4],T1T
M97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HV<'0[;6%R9VEN+6)O='1O
M;3HV<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM
M;&5F=#HP<'0[)R`^5&AE(&9O;&QO=VEN9R!T86)L92!P<F5S96YT<R`\+V9O
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M)R`^:6YD:79I9'5A;&QY/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#X@86YD(&-O
M;&QE8W1I=F5L>2!F;W(@:6UP86ER;65N="!A;F0@<F5L871E9"!R97-E<G9E
M<R!A<R!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/E-E<'1E;6)E<B`S,#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$Q<'0[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@
M/C(P,30\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B!A;F0@1&5C96UB97(@,S$L
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[)R`^.CPO9F]N=#X\+W`^/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H
M=#HR,'!T.R`O/CQD:78^/'1A8FQE('-T>6QE/3-$8F]R9&5R+6-O;&QA<'-E
M.F-O;&QA<'-E.R`^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HS-#4N-S5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M-#4N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7-T>6QE.FET86QI8SMC;VQO
M<CHC,#`P,#`P.R<@/BA-:6QL:6]N<RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D(&-O;'-P86X],T0R
M(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-34N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU-2XU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/C(P,30\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T
M.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W
M:61T:#HU-"XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HU-"XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^,C`Q,SPO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4]
M,T1W:61T:#HS-#4N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS-#4N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/D-A<F0@365M8F5R(&QO86YS(&5V86QU871E9"!I;F1I=FED
M=6%L;'D@9F]R(&EM<&%I<FUE;G0\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XH82D\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,3`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^,S`Y/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M.2XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.CDN-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,S<X/"]F;VYT/CPO=&0^/"]T<CX\
M='(@/CQT9"!S='EL93TS1'=I9'1H.C,T-2XW-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T-2XW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^4F5L871E9"!R97-E<G9E
M<R`\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XH
M82D\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P
M=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^-S`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY
M+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z.2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0U<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XX-#PO9F]N=#X\
M+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HS-#4N-S5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-#4N-S5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/D-A<F0@365M8F5R
M(&QO86YS(&5V86QU871E9"!C;VQL96-T:79E;'D@9F]R(&EM<&%I<FUE;G0\
M+V9O;G0^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XH8BD\
M+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^-C4L-S0X
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z.2XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CDN-S5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M-C8L.#8P/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H
M.C,T-2XW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C,T-2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^4F5L871E9"!R97-E<G9E<R`\+V9O;G0^/'-U<#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XH8BD\+V9O;G0^/"]S=7`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,2PP-S8\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY+C<U<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.2XW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XQ+#$W-SPO9F]N=#X\+W1D/CPO='(^/"]T86)L
M93X\+V1I=CX\<"!S='EL93TS1&QI;F4M:&5I9VAT.C(P<'0[("\^/&1I=CX\
M=6P^/&QI('-T>6QE/3-$;&ES="US='EL93IL;W=E<BUA;'!H83MT97AT+6%L
M:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HV<'0[;6%R9VEN+6)O='1O;3HR<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/E)E<')E<V5N=',@;&]A
M;G,@;6]D:69I960\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#X@:6X@82!41%(@86YD(')E;&%T960@<F5S97)V97,N/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(%)E9F5R('1O('1H92!);7!A:7)E
M9"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y#87)D($UE
M;6)E<CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y,;V%N<R!A;F0@4F5C
M96EV86)L97,@9#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
M/FES8W5S<VEO;B!I;B!.;W1E(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/C0@;VX@<&%G97,@-S0@)B,X,C$Q.R`W-CPO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!O9B!T:&4@06YN=6%L(%)E<&]R
M=#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!F;W(@9G5R
M=&AE<B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YI;F9O
M<FUA=&EO;BX\+V9O;G0^/"]L:3X\;&D@<W1Y;&4],T1L:7-T+7-T>6QE.FQO
M=V5R+6%L<&AA.W1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P=#MM
M87)G:6XM8F]T=&]M.C)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^4F5P<F5S96YT<R!C=7)R96YT(&QO86YS(&%N9"!L;V%N<R!L97-S('1H
M86X@.3`@9&%Y<R!P87-T(&1U92P@;&]A;G,@;W9E<B`Y,"!D87ES('!A<W0@
M9'5E(&%N9"!A8V-R=6EN9R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#YI;G1E<F5S="P@86YD(&YO;BUA8V-R=6%L(&QO86YS/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^+B!4:&4@<F5S97)V97,@
M:6YC;'5D92!T:&4@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^<75A;G1I=&%T:79E(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/G)E<W5L=',@;V8@86YA;'ET:6-A;"!M;V1E;',@=&AA="!A<F4@
M<W!E8VEF:6,@=&\@:6YD:79I9'5A;"!P;V]L<R!O9B!L;V%N<R!A;F0@<CPO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/F5S97)V97,@9F]R
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/FEN=&5R;F%L
M(&%N9"!E>'1E<FYA;"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#YQ=6%L:71A=&EV92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#YR:7-K(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/F9A8W1O<G,@=&AA="!A<'!L>2`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#YT;SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/B!L;V%N<R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#YT:&%T(&%R92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#YC;VQL96-T:79E;'D@979A;'5A=&5D(&9O<B!I;7!A:7)M96YT+B`\
M+V9O;G0^/"]L:3X\+W5L/CPO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-
M"BTM+2TM+3U?3F5X=%!A<G1?.&-C-F-E96-?-#DP8E\T,F8Y7S@R9#!?-F$R
M,S$Q9C<W,#EA#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+SAC8S9C
M965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y82]7;W)K<VAE971S+U-H
M965T,30N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D
M+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970]
M(G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T
M<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@
M8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T
M('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@
M*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S
M<STS1')E<&]R="!I9#TS1$E$,$5-13X-"B`@("`@(#QT<CX-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N
M9SY);G9E<W1M96YT(%-E8W5R:71I97,\8G(^/"]S=')O;F<^/"]T:#X-"B`@
M("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#$^.2!-;VYT:',@16YD
M960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H
M(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q-#QB<CX\+W1H/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY);G9E<W1M96YT<RP@1&5B="!A
M;F0@17%U:71Y(%-E8W5R:71I97,@6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YV97-T;65N="!396-U
M<FET:65S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/&1I=CX\
M<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P=#MM
M87)G:6XM8F]T=&]M.C!P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y
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M;CMF;VYT+7-I>F4Z,3%P=#MF;VYT+7=E:6=H=#IB;VQD.R<@/B`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[)R`^26YV97-T;65N="!3
M96-U<FET:65S/"]F;VYT/CPO<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S
M=&EF>3MM87)G:6XM=&]P.CEP=#MM87)G:6XM8F]T=&]M.C!P=#ML:6YE+6AE
M:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.VUA<F=I;BUL969T.C!P=#LG(#Y)
M;G9E<W1M96YT('-E8W5R:71I97,@:6YC;'5D92!D96)T(&%N9"!E<75I='D@
M<V5C=7)I=&EE<R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/G1H870@=&AE($-O
M;7!A;GD\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B`\+V9O;G0^/&9O;G0@<W1Y
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[)R`^9V%I;G,@*&QO<W-E<RD@<F5C;W)D960@:6X@/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3%P=#LG(#Y!8V-U;75L871E9"!/=&AE<B!#;VUP<F5H96YS
M:79E($EN8V]M92`H04]#22D\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/BP@;F5T
M(&]F(&EN8V]M93PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^('1A>&5S/"]F;VYT
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M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^1CPO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[)R`^;W(@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
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M,3%P=#LG(#YO;B!P86=E<R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/C8X/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#LG(#X@)B,X,C$Q.R`\+V9O;G0^/&9O;G0@<W1Y
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M.C$Q<'0[)R`^+CPO9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU
M<W1I9GD[;&EN92UH96EG:'0Z,3)P=#L@/CPO<#X\<"!S='EL93TS1'1E>'0M
M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C9P
M=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.VUA<F=I;BUL969T
M.C!P=#LG(#Y4:&4@9F]L;&]W:6YG(&ES(&$@<W5M;6%R>2!O9B!I;G9E<W1M
M96YT('-E8W5R:71I97,@87,@;V8@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#Y3
M97!T96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
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M="US:7IE.C$Q<'0[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^.CPO
M9F]N=#X\+W`^/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O
M/CQD:78^/'1A8FQE('-T>6QE/3-$8F]R9&5R+6-O;&QA<'-E.F-O;&QA<'-E
M.R`^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,3$N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,3$N-S5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T
M.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#$Q(')O=W-P86X]
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M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P
M=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT
M9"!C;VQS<&%N/3-$,3$@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ-S1P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C$W-'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$S
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M;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C0N-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S$N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,2XU<'0[
M(#X\+W1D/CQT9"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,R!S='EL93TS1'=I
M9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^
M)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,T+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y'<F]S<SPO9F]N=#X\
M+W1D/CQT9"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,R!S='EL93TS1'=I9'1H
M.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q
M-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,T+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y'<F]S<SPO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,T+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y%<W1I;6%T960\+V9O
M;G0^/"]T9#X\=&0@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#,@<W1Y;&4],T1W
M:61T:#HT+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P
M.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,2XU<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Q
M+C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0Q(')O=W-P86X],T0S('-T>6QE
M/3-$=VED=&@Z-"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S0N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-"XU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/D=R;W-S/"]F;VYT/CPO
M=&0^/'1D(&-O;'-P86X],T0Q(')O=W-P86X],T0S('-T>6QE/3-$=VED=&@Z
M-"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V
M,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S0N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-"XU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C=P=#MC;VQO<CHC,#`P,#`P.R<@/D=R;W-S/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S0N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/D5S=&EM871E
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M;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT+C5P=#MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,Q+C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S$N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S0N-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-"XU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/E5N<F5A;&EZ960\+V9O;G0^
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M<CHC,#`P,#`P.R<@/E5N<F5A;&EZ960\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^1F%I<CPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T
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M:SMM:6XM=VED=&@Z,S0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y5;G)E86QI>F5D/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-G!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,T+C5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y5;G)E86QI>F5D
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,S0N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-"XU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P
M=#MC;VQO<CHC,#`P,#`P.R<@/D9A:7(\+V9O;G0^/"]T9#X\+W1R/CQT<B`^
M/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3$X
M+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y$97-C<FEP=&EO;B!O9B!396-U<FET:65S(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P
M=#MF;VYT+7-T>6QE.FET86QI8SMC;VQO<CHC,#`P,#`P.R<@/B`H36EL;&EO
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M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,2XU<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Q+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^0V]S=#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M-W!T.V-O;&]R.B,P,#`P,#`[)R`^1V%I;G,\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,S0N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P
M,#`P.R<@/DQO<W-E<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N
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M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y686QU93PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS,2XU<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Q+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^0V]S=#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C9P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS-"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P
M,#`P,#`[)R`^1V%I;G,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
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M97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/DQO<W-E
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M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y686QU93PO9F]N=#X\+W1D/CPO
M='(^/'1R(#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W
M:61T:#HQ,3@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$Q."XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/E-T871E(&%N9"!M=6YI8VEP86P@;V)L:6=A=&EO;G,\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,S$N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS,2XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#,L-C(X(#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C,T+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`Q,S`@/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO
M<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS-"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#X@*#,I/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,T
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,S0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/B`S+#<U-2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XD
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S$N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,2XU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`T+#`V,"`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S0N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`U-"`\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO
M<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M-"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^("@W
M.2D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,S0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/B`T+#`S-2`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P
M86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3$X+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,3@N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y5+E,N($=O=F5R
M;FUE;G0@86=E;F-Y/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIC
M96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C,Q+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S$N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
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M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C,T+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,S0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E
M>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,2XU<'0[=&5X="UA
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M;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[
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M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/"]T9#X\+W1R/CQT<B`^
M/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3$Q+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$Q+C<U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/F]B;&EG871I;VYS/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,Q+C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S$N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B`S(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V
M,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[
M=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,T+C5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
M/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,T+C5P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@
M,R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ
M8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,2XU<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Q+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#,@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C9P=#MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S0N
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`F
M(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C,T+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/B`S(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#(@
M<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,3@N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q."XU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/E4N4RX@1V]V97)N;65N="!T
M<F5A<W5R>2`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@
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M;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV+C<U<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C,T+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,S0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P
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M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG
M;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,Q+C5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S$N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/"]T9#X\
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M:SMM:6XM=VED=&@Z,S0N-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE
M/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,3$Q+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3$Q+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/F]B;&EG871I;VYS/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P
M,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA
M;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,Q+C5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S$N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/B`S-#8@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P
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M="US:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M(#0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C,T+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`H,2D\+V9O;G0^
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M:SMM:6XM=VED=&@Z,S0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z
M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`S-#D@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,S$N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS,2XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/B`S,3@@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C
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M:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`S(#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^("@Q
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M=#MC;VQO<CHC,#`P,#`P.R<@/B`S,C`@/"]F;VYT/CPO=&0^/"]T<CX\='(@
M/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$Q
M."XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,3$X+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M0V]R<&]R871E(&1E8G0@<V5C=7)I=&EE<SPO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T
M.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,2XU<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Q
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#X@,SD@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
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M86X[9F]N="US:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^(#,@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C
M,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C,T+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R
M,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-#(@/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D
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M;VQO<CHC,#`P,#`P.R<@/B`T,R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-G!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#,@/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C,T+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
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M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`T-B`\+V9O
M;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q
M('-T>6QE/3-$=VED=&@Z,3$X+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,3@N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y-;W)T9V%G92UB86-K960@<V5C=7)I=&EE<SPO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/'-U
M<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/BAA*3PO9F]N=#X\+W-U
M<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIC96YT97([8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C,Q+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S$N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`Q,S<@/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT
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M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#<@/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C,T+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,S0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#X@,30T(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M+C<U<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,Q+C5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,S$N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,38P
M(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIC96YT
M97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C,T+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#X@-2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S0N-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-"XU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`H,2D\+V9O;G0^
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M<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#X@,38T(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L
M<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,3@N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q
M."XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/D5Q=6ET>2!S
M96-U<FET:65S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M(#PO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^*&(I
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M:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C
M.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M
M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#X@,2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,S0N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-"XU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@
M("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C,T+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`Q(#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C,Q+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S$N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#X@,CD@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B8C
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M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`Y-2`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,S0N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#$R-"`\+V9O;G0^
M/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T
M>6QE/3-$=VED=&@Z,3$X+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y&;W)E:6=N(&=O=F5R;FUE;G0@8F]N9',@86YD(#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.F-E;G1E<CMB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,S$N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,2XU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,T+C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L
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M=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,3$N-S5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,3$N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^;V)L
M:6=A=&EO;G,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@
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M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#,Y.2`\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ8V5N=&5R
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@."`\+V9O;G0^
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M;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,T
M+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,S0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/B`T,#<@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
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M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`R
M-S(@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO
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M=#MC;VQO<CHC,#`P,#`P.R<@/B`U(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^("@Q*3PO9F]N=#X\
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M,#`P,#`P.R<@/B`R-S8@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS
M<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$Q."XU<'0[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3$X+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^3W1H97(\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CQS
M=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XH8RD\+V9O;G0^/"]S
M=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS,2XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Q+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-3`@/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
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M:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C
M.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUB
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M="US:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
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M.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#0Y(#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
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M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S$N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-3`@/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO
M<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
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M,S0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#(I/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#0X(#PO9F]N=#X\+W1D/CPO='(^/'1R
M(#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ
M,3@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$Q."XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
M/E1O=&%L/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^
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M:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,Q+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S$N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/B`T+#8P,B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
M.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU
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M;W(Z(S`P,#`P,#LG(#X@,34S(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C,T+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,S0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/B`H-2D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS-"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-"PW-3`@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y
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M.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,Q
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,S$N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XT
M+#DS-3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@
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M;&]R.B,P,#`P,#`[)R`^,38U/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
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M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,T+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XH.#0I/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@
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M;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C,T+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,S0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XU+#`Q-CPO9F]N=#X\+W1D/CPO='(^/"]T86)L93X\+V1I=CX\<"!S='EL
M93TS1&QI;F4M:&5I9VAT.C(P<'0[("\^/&1I=CX\=6P^/&QI('-T>6QE/3-$
M;&ES="US='EL93IL;W=E<BUA;'!H83MT97AT+6%L:6=N.FIU<W1I9GD[;6%R
M9VEN+71O<#HV<'0[;6%R9VEN+6)O='1O;3HR<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/E)E<')E<V5N=',@;6]R=&=A9V4M8F%C:V5D('-E
M8W5R:71I97,@9W5A<F%N=&5E9"!B>2!&86YN:64@36%E+"!&<F5D9&EE($UA
M8R!O<B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y':6YN
M:64\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@36%E+B`\
M+V9O;G0^/"]L:3X\;&D@<W1Y;&4],T1L:7-T+7-T>6QE.FQO=V5R+6%L<&AA
M.W1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T
M=&]M.C)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^4')I;6%R
M:6QY(')E<')E<V5N=',@=&AE($-O;7!A;GDF(S@R,3<[<R!I;G9E<W1M96YT
M(&EN('1H92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y)
M;F1U<W1R:6%L(&%N9"!#;VUM97)C:6%L($)A;FL@;V8@0VAI;F$@*$E#0D,I
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/F%S(&]F($1E
M8V5M8F5R(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C,Q
M+"`R,#$S+CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\
M+V9O;G0^/"]L:3X\;&D@<W1Y;&4],T1L:7-T+7-T>6QE.FQO=V5R+6%L<&AA
M.W1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T
M=&]M.C)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^3W1H97(@
M8V]M<')I<V5S(&EN=F5S=&UE;G1S(&EN(#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/G9A<FEO=7,@;75T=6%L(&9U;F1S+CPO9F]N=#X\
M+VQI/CPO=6P^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;&EN92UH
M96EG:'0Z,3)P=#L@/CPO<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ;&5F=#MM
M87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C!P=#ML:6YE+6AE:6=H=#HQ
M,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.VUA<F=I;BUL969T.C!P=#LG(#X-"CPO9F]N
M=#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O
M<#HP<'0[;6%R9VEN+6)O='1O;3HV<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3%P=#MM87)G:6XM;&5F=#HP<'0[)R`^5&AE(&9O;&QO=VEN9R!T
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M,3%P=#LG(#Y397!T96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
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M>F4Z,3%P=#LG(#Y$96-E;6)E<B`S,2P@/"]F;VYT/CQF;VYT('-T>6QE/3-$
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M='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,#@N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,#@N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P
M,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,RXW-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,N-S5P
M=#L@/CPO=&0^/'1D(&-O;'-P86X],T0Q,2!R;W=S<&%N/3-$,2!S='EL93TS
M1'=I9'1H.C$W-W!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3<W<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,N-S5P=#L@/CPO=&0^/'1D(&-O;'-P86X]
M,T0Q,2!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$W-BXR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3<V
M+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,SPO
M9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`X+C<U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`X+C<U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C<N-7!T.V9O;G0M<W1Y;&4Z:71A;&EC.V-O;&]R.B,P
M,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P
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M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX-BXR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MC;VQO<CHC,#`P,#`P.R<@/DQE<W,@=&AA;B`Q,B!M;VYT:',\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@
M8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HX-W!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M.#=P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ,B!M;VYT
M:',@;W(@;6]R93PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS+C<U<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$-2!R;W=S<&%N/3-$,2!S
M='EL93TS1'=I9'1H.C@V+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX-BXR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MC;VQO<CHC,#`P,#`P.R<@/DQE<W,@=&AA;B`Q,B!M;VYT:',\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@
M8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HX-BXR-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z.#8N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ
M,B!M;VYT:',@;W(@;6]R93PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,3`X+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3`X+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P
M,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[
M=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
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M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
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M<CHC,#`P,#`P.R<@/D=R;W-S/"]F;VYT/CPO=&0^/'1D(&-O;'-P86X],T0Q
M(')O=W-P86X],T0S('-T>6QE/3-$=VED=&@Z,RXW-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
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M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M-2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y'
M<F]S<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,U+C(U<'0[(#X\+W1D/CQT9"!C;VQS<&%N
M/3-$,2!R;W=S<&%N/3-$,R!S='EL93TS1'=I9'1H.C,N-S5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS-2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y'<F]S<SPO9F]N=#X\+W1D/CQT9"!C;VQS<&%N/3-$,2!R;W=S
M<&%N/3-$,R!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS-2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C,U+C(U<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$,2!R;W=S<&%N
M/3-$,R!S='EL93TS1'=I9'1H.C,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y'<F]S
M<SPO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`X+C<U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`X
M+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS-2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y%<W1I;6%T960\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y5;G)E86QI
M>F5D/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,S4N,C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S4N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^17-T:6UA=&5D/"]F;VYT/CPO=&0^
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M,#`P,#`[)R`^56YR96%L:7IE9#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C,N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y%<W1I;6%T960\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y5;G)E86QI>F5D/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,S4N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,S4N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P
M,#`[)R`^17-T:6UA=&5D/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S4N,C5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S4N
M,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^56YR96%L:7IE
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M+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y$97-C<FEP=&EO;B!O9B!3
M96-U<FET:65S(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V9O;G0M<W1Y;&4Z:71A
M;&EC.V-O;&]R.B,P,#`P,#`[)R`^("A-:6QL:6]N<RD\+V9O;G0^/"]T9#X\
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M,#`P,#`P.R<@/D9A:7(F(S$V,#M686QU93PO9F]N=#X\+W1D/CQT9"!S='EL
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P
M,#`P.R<@/DQO<W-E<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P
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M97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/D9A:7(F
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M4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/DQO<W-E<SPO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y&86ER)B,Q-C`[5F%L=64\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y,;W-S97,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M-2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y&86ER)B,Q-C`[5F%L=64\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR
M-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y,;W-S97,\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R
M(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3$V+C(U<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$V+C(U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^4W1A=&4@86YD(&UU;FEC
M:7!A;"!O8FQI9V%T:6]N<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P
M,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S4N,C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S4N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,RXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C,N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,U+C(U
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,U+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#X@-S(@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S4N,C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S4N
M,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B`H,RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MC;VQO<CHC,#`P,#`P.R<@/B`Q+#,R,"`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B0\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`H-C,I/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,RXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,N-S5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S4N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S4N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,3`V
M(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T
M.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C,U+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C,U+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P
M,#`[)R`^("@Q-BD\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X]
M,T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3$V+C(U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$V+C(U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^1F]R96EG;B!G
M;W9E<FYM96YT(&)O;F1S(&%N9"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO
M<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS-2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE
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M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,#@N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,#@N-S5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[
M8V]L;W(Z(S`P,#`P,#LG(#YO8FQI9V%T:6]N<SPO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N
M-7!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
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M(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
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M(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
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M(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`R,#@@/"]F
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M;W(Z(S`P,#`P,#LG(#X@*#$I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
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M;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@
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M.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\+W1R
M/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED
M=&@Z,3$V+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3$V+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P
M,#`P,#`[)R`^52Y3+B!';W9E<FYM96YT('1R96%S=7)Y/"]F;VYT/CPO=&0^
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M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`X+C<U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`X+C<U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^;V)L:6=A=&EO
M;G,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS-2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#$R-R`\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS-2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("@Q*3PO9F]N=#X\+W1D
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M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M-2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M-2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P
M.R<@/B`Q-C8@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,RXW-7!T
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M>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#$I/"]F;VYT/CPO=&0^/'1D
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M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG
M(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N
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M="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O
M;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q
M('-T>6QE/3-$=VED=&@Z,3$V+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$V+C(U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N
M-7!T.V-O;&]R.B,P,#`P,#`[)R`^36]R=&=A9V4M8F%C:V5D('-E8W5R:71I
M97,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS-2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@
M("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS-2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@
M("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS-2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@
M("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L
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M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@
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M8V]L;W(Z(S`P,#`P,#LG(#X@,S4@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#$I/"]F
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M;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL
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M97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("8C
M.#(Q,SL@("`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R
M(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3$V+C(U<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$V+C(U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^3W1H97(\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS-2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@
M("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#,R
M(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("@Q*3PO
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M-7!T.V-O;&]R.B,P,#`P,#`[)R`^(#,P(#PO9F]N=#X\+W1D/CQT9"!S='EL
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[
M)R`^("@Q*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT
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M="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^(#$W(#PO9F]N=#X\+W1D
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M.B,P,#`P,#`[)R`^("@Q*3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L
M<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,38N,C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,38N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4;W1A
M;#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,S4N,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S4N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`Q
M,C<@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,RXW-7!T.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,N
M-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^("@Q*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P
M=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S4N,C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S4N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/B`Q,#0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S4N
M,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,S4N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/B`H-"D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@
M/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`Q+#<U.2`\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS-2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO
M<CHC,#`P,#`P.R<@/B`H-C<I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,RXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C,N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S4N,C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S4N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,3(S(#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O
M;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C,U+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C,U+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P
M,#`[)R`^("@Q-RD\+V9O;G0^/"]T9#X\+W1R/CPO=&%B;&4^/"]D:78^/'`@
M<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O/CQD:78^/'`@<W1Y;&4],T1T
M97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O
M;3HV<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM
M;&5F=#HP<'0[)R`^5&AE(&9O;&QO=VEN9R!T86)L92!S=6UM87)I>F5S('1H
M92!G<F]S<R!U;G)E86QI>F5D(&QO<W-E<R!D=64@=&\@=&5M<&]R87)Y(&EM
M<&%I<FUE;G1S(&)Y(')A=&EO(&]F(&9A:7(@=F%L=64@=&\@86UO<G1I>F5D
M(&-O<W0@87,@;V8@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#Y397!T96UB97(@
M,S`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/BP@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P
M=#LG(#XR,#$T/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#X@86YD($1E8V5M8F5R
M(#,Q+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/C(P,3,\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.R<@/CH\+V9O;G0^/"]P/CPO9&EV/CQP('-T>6QE/3-$;&EN92UH
M96EG:'0Z,C!P=#L@+SX\9&EV/CQT86)L92!S='EL93TS1&)O<F1E<BUC;VQL
M87!S93IC;VQL87!S93L@/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X]
M,T0Q('-T>6QE/3-$=VED=&@Z,3`Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`Q+C(U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$
M-R!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$R,BXR-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3(R+C(U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C<N-G!T.V-O;&]R.B,P,#`P,#`[)R`^3&5S<R!T:&%N
M(#$R(&UO;G1H<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
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M<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ,B!M;VYT:',@;W(@;6]R93PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C(N,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB
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M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y4;W1A;#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#(@
M<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#$N,C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,#$N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^4F%T:6\@;V8@1F%I<B!6
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M9'1H.C(N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^
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M="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/D=R;W-S/"]F;VYT/CPO=&0^
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M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS
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M,#`P,#`P.R<@/D=R;W-S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
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M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M,RXW-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#,@<W1Y
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M4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/D=R;W-S/"]F
M;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$
M,2!S='EL93TS1'=I9'1H.C$P,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P,2XR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y!;6]R=&EZ960@0V]S=#PO9F]N=#X\+W1D
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M;VQO<CHC,#`P,#`P.R<@/DYU;6)E<B!O9CPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS,RXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P
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M97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/E5N<F5A
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M;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^3G5M8F5R(&]F/"]F
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M.C=P=#MC;VQO<CHC,#`P,#`P.R<@/D5S=&EM871E9#PO9F]N=#X\+W1D/CQT
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M.B,P,#`P,#`[)R`^56YR96%L:7IE9#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C(N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS-2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P
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M=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^17-T:6UA
M=&5D/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y5;G)E86QI>F5D/"]F;VYT
M/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S
M='EL93TS1'=I9'1H.C$P,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P,2XR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M<'0[9F]N="US='EL93II=&%L:6,[8V]L;W(Z(S`P,#`P,#LG(#XH1&]L;&%R
M<R!I;B!M:6QL:6]N<RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y3
M96-U<FET:65S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,S+C<U<'0[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,S+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/D9A:7(@
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M;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^3&]S<V5S/"]F
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M="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/E-E8W5R:71I97,\+V9O;G0^
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M>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^1F%I<B!686QU93PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y,;W-S97,\+V9O;G0^/"]T9#X\=&0@<W1Y
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M.B,P,#`P,#`[)R`^4V5C=7)I=&EE<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS,RXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y&86ER(%9A;'5E/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P
M.R<@/DQO<W-E<SPO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS
M1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#$N,C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,#$N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
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M,S4N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS-2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR+C(U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HR+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N
M-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS,RXW-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O
M=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3`Q+C(U<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`Q+C(U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C<N-G!T.V-O;&]R.B,P,#`P,#`[)R`^.3`E)B,X,C$Q.S$P
M,"4\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW+C4U<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/B`V(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(N,C5P
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M(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N
M-S5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU-7!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,3(W(#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C(N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HR+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C4U<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M+C4U<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`H,2D\
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M;VYT+7-I>F4Z-RXU-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XQ-R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR+C(U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-RXU-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P
M=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU-7!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ,#0@/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C,S+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,S+C<U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-35P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^*#0I/"]F;VYT
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M:7IE.C<N-35P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M(#(S(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(N,C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR+C(U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C4U<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C4U<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/B`R,S$@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C,S+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,S+C<U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-35P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("@U*3PO9F]N=#X\
M+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y
M;&4],T1W:61T:#HQ,#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXV<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y4;W1A;"!A<R!O9B!397!T96UB97(@,S`L(#(P
M,30\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C4U<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B`V(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(N
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M9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C4U<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS,RXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C4U<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`Q,C<@/"]F;VYT/CPO=&0^
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M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C,S+C<U<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,S+C<U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C<N-35P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^("@Q*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(N,C5P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C4U<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/B`Q-R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HR+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU-7!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU-7!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,3`T(#PO9F]N
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M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HW+C4U<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C4U<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B`H-"D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR
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M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,C,@/"]F;VYT/CPO=&0^/'1D('-T
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M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C,S+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,S+C<U<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C<N-35P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#(S
M,2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR+C(U<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z-RXU-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
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M8V]L;W(Z(S`P,#`P,#LG(#X@*#4I/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT
M9"!S='EL93TS1'=I9'1H.C,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.CDW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HY-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,U
M+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C,U+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HR+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR+C(U<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
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M,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HR+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR+C(U<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
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M.C(N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HR+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR+C(U<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CPO=&0^/"]T<CX\
M='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H
M.C$P,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$P,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XR,#$S.CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,U+C(U<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S4N,C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
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M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
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M>6QE/3-$=VED=&@Z,BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C(N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,S4N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS-2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR+C(U
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HR+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR+C(U<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,U+C(U<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C(N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HR+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,S+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(N,C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR+C(U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
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M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XY,"4F(S@R,3$[,3`P)3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C,N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,U+C(U
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,U+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C<N-G!T.V-O;&]R.B,P,#`P,#`[)R`^
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M:7IE.C<N-G!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C,S+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,S+C<U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-G!T
M.V-O;&]R.B,P,#`P,#`[)R`^,2PV-C4\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HR+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N
M-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG(#XH-3,I/"]F
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M:7IE.C<N-G!T.V-O;&]R.B,P,#`P,#`[)R`^-CPO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C(N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HR+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C9P=#MC;VQO<CHC,#`P
M,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C9P=#MC;VQO<CHC,#`P,#`P.R<@/C(T
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M.C<N-G!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C,S+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,S+C<U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-G!T.V-O
M;&]R.B,P,#`P,#`[)R`^*#(I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,BXR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HR+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,U
M+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C,U+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-G!T.V-O;&]R.B,P,#`P,#`[
M)R`^,C,T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,BXR-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(N
M,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C<N-G!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C,S+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,S+C<U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N
M-G!T.V-O;&]R.B,P,#`P,#`[)R`^,2PV.#D\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HR+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG(#XH-34I
M/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N
M/3-$,2!S='EL93TS1'=I9'1H.C$P,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P,2XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW+C9P=#MC;VQO<CHC,#`P,#`P.R<@/DQE<W,@=&AA;B`Y,"4\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW+C9P=#MC;VQO<CHC,#`P,#`P.R<@/C$S/"]F;VYT/CPO=&0^/'1D
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M.B,P,#`P,#`[)R`^.30\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR
M+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB
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M=R!2;VUA;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG(#XH,30I
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M9F]N="US:7IE.C<N-G!T.V-O;&]R.B,P,#`P,#`[)R`^-3PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C(N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR+C(U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS,RXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C9P=#MC
M;VQO<CHC,#`P,#`P.R<@/CDY/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,BXR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C(N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,S+C<U<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,S+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C<N-G!T.V-O;&]R.B,P,#`P,#`[)R`^
M*#$U*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(N,C5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C9P=#MC;VQO<CHC,#`P,#`P.R<@/C$X/"]F;VYT
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M-G!T.V-O;&]R.B,P,#`P,#`[)R`^,3DS/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-G!T.V-O;&]R.B,P,#`P
M,#`[)R`^*#(Y*3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS
M1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#$N,C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,#$N,C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4;W1A;"!A<R!O
M9B!$96-E;6)E<B`S,2P@,C`Q,SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-G!T.V-O;&]R.B,P,#`P
M,#`[)R`^,C0Q/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,BXR-7!T
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M86X[9F]N="US:7IE.C<N-G!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\
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M:7IE.C<N-G!T.V-O;&]R.B,P,#`P,#`[)R`^,2PW-3D\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HR+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXV<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,S,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P
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M97<@4F]M86X[9F]N="US:7IE.C<N-G!T.V-O;&]R.B,P,#`P,#`[)R`^,3$\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR+C(U<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXV<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XQ,C,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HR+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N
M-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG(#XH,3<I/"]F
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M="US:7IE.C<N-G!T.V-O;&]R.B,P,#`P,#`[)R`^,C4R/"]F;VYT/CPO=&0^
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M;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C,S+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C,S+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-G!T.V-O;&]R.B,P,#`P
M,#`[)R`^,2PX.#(\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR+C(U
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG(#XH.#0I/"]F;VYT/CPO=&0^
M/"]T<CX\+W1A8FQE/CPO9&EV/CQP('-T>6QE/3-$;&EN92UH96EG:'0Z,C!P
M=#L@+SX\9&EV/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I
M;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,'!T.VQI;F4M:&5I9VAT.C$P<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[;6%R9VEN+6QE9G0Z,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^5&AE(&=R;W-S('5N<F5A;&EZ960@;&]S<V5S(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#YA<F4\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.V-O;&]R.B,P,#`P,#`[)R`^(&%T=')I8G5T960@=&\@/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/F]V97)A;&P@=VED97(\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^(&-R961I="!S<')E861S
M(&9O<B!S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/G1A
M=&4@86YD(&UU;FEC:7!A;"!S96-U<FET:65S+"!W:61E/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/G(@8W)E9&ET('-P<F5A9',@9F]R
M('-P96-I9FEC(&ES<W5E<G,L(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z
M(S`P,#`P,#LG(#YA9'9E<G-E(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z
M(S`P,#`P,#LG(#YC:&%N9V5S(&EN(&UA<FME="!B96YC:&UA<FL@:6YT97)E
M<W0@<F%T97,L(&]R(&$@8V]M8FEN871I;VX@=&AE<F5O9BP@86QL(&%S(&-O
M;7!A<F5D('1O(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG
M(#YT:&]S92!P<F5V86EL:6YG('=H96X@=&AE(&EN=F5S=&UE;G0@<V5C=7)I
M=&EE<R!W97)E(&%C<75I<F5D+B`\+V9O;G0^/"]P/CQP('-T>6QE/3-$=&5X
M="UA;&EG;CIJ=7-T:69Y.VQI;F4M:&5I9VAT.C$P<'0[(#X\+W`^/'`@<W1Y
M;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN
M+6)O='1O;3HP<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM
M87)G:6XM;&5F=#HP<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/=F5R86QL+"!F;W(@
M=&AE(&EN=F5S=&UE;G0@<V5C=7)I=&EE<R!I;B!G<F]S<R!U;G)E86QI>F5D
M(&QO<W,@<&]S:71I;VYS/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P
M,#`P.R<@/B`H/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@
M/FD\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^*28C,38P
M.W1H92!#;VUP86YY(&1O97,@;F]T(#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L
M;W(Z(S`P,#`P,#LG(#YC=7)R96YT;'D@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC
M;VQO<CHC,#`P,#`P.R<@/FEN=&5N9"!T;R!S96QL('1H92!I;G9E<W1M96YT
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#YS96-U<FET
M:65S+"`H:6D\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^
M*28C,38P.VET(&ES(&UO<F4@;&EK96QY('1H86X@;F]T('1H870@=&AE/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B!#;VUP86YY('=I
M;&P@;F]T(&)E(')E<75I<F5D('1O('-E;&P@=&AE(&EN=F5S=&UE;G0@<V5C
M=7)I=&EE<R!B969O<F4@<F5C;W9E<GD@;V8@=&AE('5N<F5A;&EZ960@;&]S
M<V5S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/BP@86YD
M("AI:6D\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^*28C
M,38P.W1H92!#;VUP86YY(&5X<&5C=',@=&AA="!T:&4@8V]N=')A8W1U86P@
M<')I;F-I<&%L(&%N9"!I;G1E<F5S="!W:6QL(&)E(')E8V5I=F5D(&]N('1H
M92!I;G9E<W1M96YT('-E8W5R:71I97,N($%S(&$@<F5S=6QT+"!T:&4@0V]M
M<&%N>2!R96-O/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@
M/F=N:7IE9"!N;R!O=&AE<BUT:&%N+71E;7!O<F%R>2!I;7!A:7)M96YT/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B!D=7)I;F<@=&AE
M('!E<FEO9',@<')E<V5N=&5D+CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z
M(S`P,#`P,#LG(#X@/"]F;VYT/CPO<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ
M:G5S=&EF>3ML:6YE+6AE:6=H=#HP<'0[(#X\+W`^/'`@<W1Y;&4],T1T97AT
M+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HP
M<'0[;&EN92UH96EG:'0Z,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT
M.F)O;&0[=&5X="UD96-O<F%T:6]N.G5N9&5R;&EN93MM87)G:6XM;&5F=#HP
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y3=7!P;&5M96YT86P@26YF;W)M871I;VX\
M+V9O;G0^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I
M;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,'!T.VQI;F4M:&5I9VAT.C$R<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[;6%R9VEN+6QE9G0Z,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^1W)O<W,@<F5A;&EZ960@9V%I;G,@;VX@=&AE('-A;&5S(&]F(&EN=F5S
M=&UE;G0@<V5C=7)I=&EE<RP@:6YC;'5D960@:6X@3W1H97(@/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/G)E=F5N=65S(&9O<B!T:&4@
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/G1H<F5E(&%N
M9"!N:6YE(&UO;G1H<R!E;F1E9#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z
M(S`P,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P
M.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XL(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XR,#$T/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^=V5R92`D/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/C(P/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B!M:6QL:6]N(&%N9"`D/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/C$P,#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#X@;6EL;&EO;BP@<F5S<&5C
M=&EV96QY+B!'<F]S<R!R96%L:7IE9"!G86EN<R!O;B!T:&4@<V%L92!O9B!I
M;G9E<W1M96YT('-E8W5R:71I97,L(&EN8VQU9&5D(&EN($]T:&5R(')E=F5N
M=65S(&9O<B!T:&4@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P
M.R<@/G1H<F5E(&%N9"!N:6YE(&UO;G1H<R!E;F1E9#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC
M;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XL(#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XR,#$S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC
M,#`P,#`P.R<@/B!W97)E+"`D/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC
M,#`P,#`P.R<@/C,W/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P
M.R<@/B!M:6QL:6]N(&%N9"`D/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC
M,#`P,#`P.R<@/C$P,CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P
M,#LG(#X@;6EL;&EO;BP@<F5S<&5C=&EV96QY+B!4:&5R92!W97)E(&YO(')E
M86QI>F5D(&QO/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@
M/G-S97,@9F]R('1H92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P
M,#`[)R`^=&AR964@86YD(&YI;F4@;6]N=&AS(&5N9&5D/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.V-O;&]R.B,P,#`P,#`[)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#MC;VQO<CHC,#`P,#`P.R<@/BP@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC
M;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R
M.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P
M,#LG(#YA;F0@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@
M/C(P,3,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^+CPO
M9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;&EN92UH
M96EG:'0Z,3)P=#L@/CPO<#X\+V1I=CX\<"!S='EL93TS1&QI;F4M:&5I9VAT
M.C(P<'0[("\^/&1I=CX\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM
M87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C!P=#ML:6YE+6AE:6=H=#HQ
M,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.VUA<F=I;BUL969T.C!P=#MC;VQO<CHC,#`P
M,#`P.R<@/D-O;G1R86-T=6%L(&UA='5R:71I97,@;V8@:6YV97-T;65N="!S
M96-U<FET:65S+"!E>&-L=61I;F<@97%U:71Y('-E8W5R:71I97,@86YD(&]T
M:&5R('-E8W5R:71I97,L(&%S(&]F(#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y397!T96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.V-O;&]R.B,P,#`P,#`[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R
M.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@=V5R92!A<R!F;VQL;W=S.B`\+V9O;G0^/"]P/CPO9&EV/CQP
M('-T>6QE/3-$;&EN92UH96EG:'0Z,C!P=#L@+SX\9&EV/CQT86)L92!S='EL
M93TS1&)O<F1E<BUC;VQL87!S93IC;VQL87!S93L@/CQT<B`^/'1D('-T>6QE
M/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS,3AP=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS,3AP=#L@/CPO=&0^/'1D(&-O;'-P86X],T0Q(')O=W-P86X],T0R
M('-T>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C4V+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-38N,C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0Q(')O=W-P86X]
M,T0R('-T>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HU-BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HU-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^17-T:6UA=&5D/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS
M<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C,R.2XR-7!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,R.2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M<W1Y;&4Z:71A;&EC.V-O
M;&]R.B,P,#`P,#`[)R`^*$UI;&QI;VYS*3PO9F]N=#X\+W1D/CQT9"!S='EL
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M;W(Z(S`P,#`P,#LG(#Y#;W-T)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
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M<CHC,#`P,#`P.R<@/D9A:7(F(S$V,#M686QU93PO9F]N=#X\+W1D/CPO='(^
M/'1R(#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T
M:#HS,CDN,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS,CDN,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/D1U92!W:71H:6X@,2!Y96%R/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HU-BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HU-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-3<Y(#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-38N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-38N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#4X,"`\+V9O;G0^/"]T
M9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE
M/3-$=VED=&@Z,S(Y+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S(Y+C(U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y$=64@869T97(@,2!Y96%R(&)U="!W:71H:6X@-2!Y
M96%R<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V
M,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU-BXR-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU-BXR-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#X@-#,U(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF
M(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU-BXR-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU-BXR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#X@-#0R(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS
M1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HS,CDN,C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,CDN,C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/D1U92!A9G1E<B`U
M('EE87)S(&)U="!W:71H:6X@,3`@>65A<G,\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-38N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-38N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#(S-2`\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-38N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-38N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#(U,2`\+V9O;G0^/"]T9#X\
M+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$
M=VED=&@Z,S(Y+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S(Y+C(U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y$=64@869T97(@,3`@>65A<G,\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
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M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#,L,S`S(#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU-BXR-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU-BXR-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#X@,RPT,C<@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$
M,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C,R.2XR-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,R.2XR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO
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M9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B`T+#4U,B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C$P+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
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M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`T+#<P,"`\+V9O;G0^/"]T9#X\+W1R
M/CPO=&%B;&4^/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O
M/CQD:78^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O
M<#HQ,G!T.VUA<F=I;BUB;W1T;VTZ,'!T.VQI;F4M:&5I9VAT.C$P<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[;6%R9VEN+6QE9G0Z,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M5&AE(&5X<&5C=&5D('!A>6UE;G1S(&]N('-T871E(&%N9"!M=6YI8VEP86P@
M;V)L:6=A=&EO;G,@86YD(&UO<G1G86=E+6)A8VME9"!S96-U<FET:65S(&UA
M>2!N;W0@8V]I;F-I9&4@=VET:"!T:&5I<B!C;VYT<F%C='5A;"!M871U<FET
M:65S(&)E8V%U<V4@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P
M.R<@/G1H92!I<W-U97)S(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P
M,#`P,#LG(#YH879E('1H92!R:6=H="!T;R!C86QL/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B!O<B!P<F5P87D@8V5R=&%I;B!O8FQI
M9V%T:6]N<RX\+V9O;G0^/"]P/CPO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^
M#0H-"BTM+2TM+3U?3F5X=%!A<G1?.&-C-F-E96-?-#DP8E\T,F8Y7S@R9#!?
M-F$R,S$Q9C<W,#EA#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+SAC
M8S9C965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y82]7;W)K<VAE971S
M+U-H965T,34N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O
M=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S
M970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@
M:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M
M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R
M:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE
M;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C
M;&%S<STS1')E<&]R="!I9#TS1$E$,$5-13X-"B`@("`@(#QT<CX-"B`@("`@
M("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T
M<F]N9SY!<W-E="!396-U<FET:7IA=&EO;G,\8G(^/"]S=')O;F<^/"]T:#X-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#$^.2!-;VYT:',@
M16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q-#QB<CX\+W1H/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY!<W-E="!396-U<FET:7IA
M=&EO;G,@6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^07-S970@4V5C=7)I=&EZ871I;VYS/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/&1I=CX\<"!S='EL93TS1'1E>'0M
M86QI9VXZ;&5F=#MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C!P=#ML
M:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
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M;VYT+7=E:6=H=#IB;VQD.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M
M=V5I9VAT.F)O;&0[)R`^07-S970@4V5C=7)I=&EZ871I;VYS/"]F;VYT/CPO
M<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3ML:6YE+6AE:6=H=#HQ
M,G!T.R`^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I
M;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,'!T.VQI;F4M:&5I9VAT.C$R<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[;6%R9VEN+6QE9G0Z,'!T.R<@/E1H92!#;VUP86YY
M('!E<FEO9&EC86QL>2!S96-U<FET:7IE<R`\+V9O;G0^/&9O;G0@<W1Y;&4]
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M.C$Q<'0[)R`^('-E8W5R:71I>F%T:6]N<R!A;F0@<F5L871E9"!A8V-O=6YT
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M;R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/DYO=&4@-SPO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^(&]N/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#X@<&%G92`X,#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$Q<'0[)R`^(&]F('1H92!!;FYU86P@4F5P;W)T+CPO
M9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;&EN92UH
M96EG:'0Z,3)P=#L@/CPO<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF
M>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C!P=#ML:6YE+6AE:6=H
M=#HQ,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.VUA<F=I;BUL969T.C!P=#LG(#Y4:&4@
M9F]L;&]W:6YG('1A8FQE('!R;W9I9&5S(&EN9F]R;6%T:6]N(&]N('1H92!R
M97-T<FEC=&5D(&-A<V@@:&5L9"!B>2!T:&4@06UE<FEC86X@17AP<F5S<R!)
M<W-U86YC92!4<G5S="!)22`H=&AE($-H87)G92!4<G5S="D@86YD('1H92!!
M;65R:6-A;B!%>'!R97-S($,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/G)E9&ET
M($%C8V]U;G0@36%S=&5R(%1R=7-T("AT:&4@3&5N9&EN9R!4<G5S="D@87,@
M;V8@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#Y397!T96UB97(@,S`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,7!T.R<@/BP@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#XR,#$T
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#X@86YD($1E8V5M8F5R(#,Q+"`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.R<@/C(P,3,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@
M/BP@:6YC;'5D960@:6X@3SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^=&AE<B!A
M<W-E=',@;VX@=&AE($-O;7!A;GDF(S@R,3<[<R!#;VYS;VQI9&%T960@0F%L
M86YC92!3:&5E=',Z/"]F;VYT/CPO<#X\+V1I=CX\<"!S='EL93TS1&QI;F4M
M:&5I9VAT.C(P<'0[("\^/&1I=CX\=&%B;&4@<W1Y;&4],T1B;W)D97(M8V]L
M;&%P<V4Z8V]L;&%P<V4[(#X\='(@/CQT9"!S='EL93TS1'=I9'1H.C,Q,2XR
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,Q,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M<W1Y;&4Z:71A;&EC
M.V-O;&]R.B,P,#`P,#`[)R`^*$UI;&QI;VYS*3PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C$U+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,34N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!C;VQS
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M,#`P,#`P.R<@/C(P,30\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ
M-2XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C$U+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF
M(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HV-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV-BXW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\+W1D/CPO='(^
M/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HS,3$N,C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,3$N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/D-H87)G92!4<G5S=#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U+C<U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,34N-S5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU-BXR-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU-BXR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,34N-S5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-2XW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HU-BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HU-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^,CPO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4]
M,T1W:61T:#HS,3$N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/DQE;F1I;F<@5')U<W0\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ-2XW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U+C<U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HU-BXR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU-BXR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XT,SPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U+C<U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,34N-S5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
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M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XU-CPO9F]N=#X\+W1D/CPO='(^
M/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HS,3$N,C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,3$N,C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E1O=&%L(#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C$U+C<U<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,34N-S5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\
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M:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C0T
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,34N-S5P=#MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-2XW
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT
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M<'0[8V]L;W(Z(S`P,#`P,#LG(#XU.#PO9F]N=#X\+W1D/CPO='(^/"]T86)L
M93X\+V1I=CX\<"!S='EL93TS1&QI;F4M:&5I9VAT.C(P<'0[("\^/&1I=CX\
M<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P=#MM
M87)G:6XM8F]T=&]M.C!P=#ML:6YE+6AE:6=H=#HQ,'!T.R`^/&9O;G0@<W1Y
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M;F0@=7!C;VUI;F<@9&5B="!M871U<FET:65S+CPO9F]N=#X\+W`^/'`@<W1Y
M;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;&EN92UH96EG:'0Z,3!P=#L@/CPO
M<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P
M=#MM87)G:6XM8F]T=&]M.C!P=#ML:6YE+6AE:6=H=#HQ,'!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.VUA<F=I;BUL969T.C!P=#LG(#Y!;65R:6-A;B!%>'!R97-S(%1R
M879E/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YL(%)E;&%T960@4V5R=FEC97,@
M0V]M<&%N>2P@26YC+B`H/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
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M.C$Q<'0[)R`^>&-L=61I;F<@:71S(&-O;G-O;&ED871E9"!S=6)S:61I87)I
M97,L(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^5%)3(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^;W=N<R!A<'!R;WAI;6%T96QY(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[)R`^)#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^,2XP/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3%P=#LG(#X@8FEL;&EO;B!O9B!S=6)O<F1I;F%T960@<V5C=7)I=&EE
M<R!I<W-U960\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B!B>2!T:&4@3&5N9&EN
M9R!4<G5S="!A<R!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/E-E<'1E;6)E
M<B`S,#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,7!T.R<@/C(P,30\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/BX\+V9O;G0^/"]P
M/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VQI;F4M:&5I9VAT.C$R
M<'0[(#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN
M+71O<#HP<'0[;6%R9VEN+6)O='1O;3HP<'0[;&EN92UH96EG:'0Z,3!P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F=#HP<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y5;F1E<B!T:&4@<F5S<&5C=&EV92!T97)M<R!O9B!T:&4@0VAA<F=E(%1R
M=7-T(&%N9"!T:&4@3&5N9&EN9R!4<G5S="!A9W)E96UE;G1S+"!T:&4@;V-C
M=7)R96YC92!O9B!C97)T86EN(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z
M(S`P,#`P,#LG(#YT<FEG9V5R:6YG(#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L
M;W(Z(S`P,#`P,#LG(#YE=F5N=',@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO
M<CHC,#`P,#`P.R<@/F%S<V]C:6%T960@=VET:"!T:&4@<&5R9F]R;6%N8V4@
M;V8@=&AE(&%S<V5T<R!O9B!E86-H('1R=7-T(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[8V]L;W(Z(S`P,#`P,#LG(#YC;W5L9"!R97-U;'0@:6X@/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/G!A>6UE;G0\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^(&]F('1R=7-T(&5X<&5N<V5S
M+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^97-T86)L
M:7-H;65N="!O9B!R97-E<G9E(&9U;F1S+"!O<B!I;B!A('=O<G-T+6-A<V4@
M<V-E;F%R:6\L(&5A<FQY(&%M;W)T:7IA/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC
M;VQO<CHC,#`P,#`P.R<@/G1I;VX@;V8@:6YV97-T;W(@<V5C=7)I=&EE<RX@
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/D1U<FEN9R!T
M:&4@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/FYI;F4@
M;6]N=&AS(&5N9&5D/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P
M.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^4V5P
M=&5M8F5R(#,P/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@
M/BP@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^(&%N9"!T:&4@
M>65A<B!E;F1E9"!$96-E;6)E<B`S,2P@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC
M;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R
M.B,P,#`P,#`[)R`^+#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P
M,#LG(#X@;F\@<W5C:"!T<FEG9V5R:6YG(&5V96YT<R!O8V-U<G)E9"X\+V9O
M;G0^/"]P/CPO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?
M3F5X=%!A<G1?.&-C-F-E96-?-#DP8E\T,F8Y7S@R9#!?-F$R,S$Q9C<W,#EA
M#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+SAC8S9C965C7S0Y,&)?
M-#)F.5\X,F0P7S9A,C,Q,68W-S`Y82]7;W)K<VAE971S+U-H965T,38N:'1M
M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L
M90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI
M(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS
M1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU
M=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H
M;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP
M=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R
M="!I9#TS1$E$,$5-13X-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S
M/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY#=7-T;VUE
M<B!$97!O<VET<SQB<CX\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA
M<W,],T1T:"!C;VQS<&%N/3-$,3XY($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y3
M97`N(#,P+"`R,#$T/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/D1E<&]S:70@3&EA8FEL:71I97,@1&ES8VQO<W5R97,@
M6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^0W5S=&]M97(@1&5P;W-I=',\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\9&EV/CQP('-T>6QE/3-$=&5X="UA;&EG;CIL969T
M.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,'!T.VQI;F4M:&5I9VAT
M.C$R<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[9F]N="UW96EG:'0Z8F]L9#MM87)G:6XM
M;&5F=#HM,34N.#5P=#LG(#XW/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MF;VYT+7=E
M:6=H=#IB;VQD.R<@/BX@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MF;VYT+7=E:6=H
M=#IB;VQD.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O
M;&0[)R`^0SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
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M:69Y.VUA<F=I;BUT;W`Z.7!T.VUA<F=I;BUB;W1T;VTZ-G!T.VQI;F4M:&5I
M9VAT.C$R<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[;6%R9VEN+6QE9G0Z,'!T.R<@/D%S
M(&]F(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^4V5P=&5M8F5R(#,P/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3%P=#LG(#XL(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^,C`Q
M-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(&%N9"!$96-E;6)E<B`S,2P@/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#LG(#XR,#$S/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG
M(#XL(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^8W5S=&]M97(@9&5P;W-I=',@
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YW93PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[
M)R`^<F4@8V%T96=O<FEZ960@87,@:6YT97)E<W0@/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#LG(#YB96%R:6YG(&]R(&YO;BUI;G1E<F5S=#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^8F5A<FEN9SPO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[)R`^+#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(&%S
M(&9O;&QO=W,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/CH\+V9O;G0^/"]P/CPO
M9&EV/CQP('-T>6QE/3-$;&EN92UH96EG:'0Z,C!P=#L@+SX\9&EV/CQT86)L
M92!S='EL93TS1&)O<F1E<BUC;VQL87!S93IC;VQL87!S93L@/CQT<B`^/'1D
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M8V]L;W(Z(S`P,#`P,#LG(#XH36EL;&EO;G,I/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D(&-O;'-P
M86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-C<N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV-RXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/C(P,30\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V
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M=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^/"]T9#X\+W1R/CQT<B`^
M/'1D(&-O;'-P86X],T0S(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,S$X
M+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,S$X+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y5
M+E,N.CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N
M,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C
M,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-3(N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C4R+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,35P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU
M,BXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-3(N-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z
M-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$
M,2!S='EL93TS1'=I9'1H.C,Q,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Q,2XR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^26YT97)E<W0@8F5A<FEN9SPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C4R+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3(N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-#$L
M.#@S(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N
M,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C
M,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HU,BXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C4R+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/C0P+#@S,3PO9F]N=#X\+W1D/CPO='(^/'1R
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M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.;VXM
M:6YT97)E<W0@8F5A<FEN9R`H:6YC;'5D97,@0V%R9"!-96UB97(@8W)E9&ET
M(&)A;&%N8V5S(&]F.B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ
M,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
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M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HU,BXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-3(N-7!T.R`^/"]T9#X\+W1R/CQT<B`^
M/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS,#,N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS,#,N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/C(P,30L("0S,#0[(#(P,3,L("0S-#`I/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C4R+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-3(N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,S,V(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-3(N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HU,BXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XS-C`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0S(')O
M=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,S$X+C<U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S$X+C<U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.;VXM52Y3+CH\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
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M,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-3(N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C4R+C5P=#L@/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS
M1#$@<W1Y;&4],T1W:61T:#HS,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,3$N,C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/DEN=&5R97-T(&)E87)I;F<\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C4R+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-3(N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,3`X(#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
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M;W(Z(S`P,#`P,#LG(#XQ,C$\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T
M>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$
M,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C,Q,2XR-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Q,2XR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^3F]N+6EN=&5R97-T
M(&)E87)I;F<@*&EN8VQU9&5S($-A<F0@365M8F5R(&-R961I="!B86QA;F-E
M<R!O9CH@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[
M)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU,BXU<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3(N-7!T.R`^/"]T
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M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,S`S+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,S`S+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XR,#$T+"`D,S8Q.R`R,#$S+"`D-#,W*3PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,35P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HU,BXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C4R+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#,W-B`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
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M;VQO<CI";&%C:SMM:6XM=VED=&@Z-3(N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^-#4Q/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C
M;VQS<&%N/3-$,R!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C,Q."XW-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,Q."XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^5&]T
M86P@8W5S=&]M97(@9&5P;W-I=',\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z
M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
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M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#0R+#<P,R`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-3(N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HU,BXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XT,2PW-C,\+V9O;G0^/"]T9#X\+W1R/CPO=&%B;&4^/"]D:78^
M/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O/CQD:78^/'`@<W1Y;&4]
M,T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HY<'0[;6%R9VEN+6)O
M='1O;3HV<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G
M:6XM;&5F=#HP<'0[)R`^0SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^=7-T;VUE
M<B!D97!O<VET<R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/F)Y(&1E<&]S:70@
M='EP93PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(&%S(&]F(#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG
M(#XL(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^,C`Q-#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^86YD($1E8V5M8F5R
M(#,Q+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/C(P,3,\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/G=E<F4@/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3%P=#LG(#YA<R!F;VQL;W=S/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P
M=#LG(#XZ/"]F;VYT/CPO<#X\+V1I=CX\<"!S='EL93TS1&QI;F4M:&5I9VAT
M.C(P<'0[("\^/&1I=CX\=&%B;&4@<W1Y;&4],T1B;W)D97(M8V]L;&%P<V4Z
M8V]L;&%P<V4[(#X\='(@/CQT9"!C;VQS<&%N/3-$,R!R;W=S<&%N/3-$,2!S
M='EL93TS1'=I9'1H.C,Q,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Q,2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V9O;G0M<W1Y;&4Z:71A;&EC.V-O;&]R.B,P,#`P,#`[)R`^*$UI;&QI;VYS
M*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
M+W1D/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H
M.C8W+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,35P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D(&-O;'-P86X],T0R(')O
M=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-C8N-S5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-C8N-S5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^/"]T9#X\
M+W1R/CQT<B`^/'1D(&-O;'-P86X],T0S(')O=W-P86X],T0Q('-T>6QE/3-$
M=VED=&@Z,S$Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,S$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y5+E,N(')E=&%I;"!D97!O<VET<SH\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C4R+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU
M,BXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-3$N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HU,2XW-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D
M('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!C;VQS<&%N
M/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C,P,RXW-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,P,RXW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^4V%V:6YG<R!A
M8V-O=6YT<R`F(S@R,3$[($1I<F5C=#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,35P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C$U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,35P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C4R+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-3(N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,C8L,C0X(#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,35P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU,2XW-7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU
M,2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,C0L-34P
M/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y
M;&4],T1W:61T:#HS,#,N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS,#,N-S5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/D-E<G1I9FEC871E<R!O9B!D97!O<VET.CPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HU,BXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C4R+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M
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M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(Y-BXR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^1&ER96-T/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU,BXU
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C4R+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^(#,U-2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
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M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XT.#D\+V9O
M;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HR.38N,C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR.38N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E1H:7)D+7!A<G1Y(#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HU,BXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C4R+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#8L,S<Q(#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU,2XW-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HU,2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^-BPY
M,CD\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z-RXU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-RXU<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S
M='EL93TS1'=I9'1H.C,P,RXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,P,RXW-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^4W=E97`@86-C;W5N=',@)B,X,C$Q.R!4:&ER
M9"UP87)T>2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E
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M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`X+#DP.2`\
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M<CHC,#`P,#`P.R<@/C@L.#8S/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C
M;VQS<&%N/3-$,R!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C,Q,2XR-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,Q,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^3W1H
M97(@<F5T86EL(&1E<&]S:71S.CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,35P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
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M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-3$N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-3$N-S5P=#L@/CPO=&0^/"]T<CX\='(@
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@8V]L
M<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HS,#,N-S5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M,#,N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/DYO;BU5
M+E,N(&1E<&]S:71S(&%N9"!5+E,N(&YO;BUI;G1E<F5S="!B96%R:6YG(&1E
M<&]S:71S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C4R+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3(N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,34U(#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HU,2XW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HU,2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^,34U/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N
M/3-$,R!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C,Q,2XR-7!T.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Q
M,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^0V%R9"!-
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M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`V-C4@/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\
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M8V]L;W(Z(S`P,#`P,#LG(#XW-S<\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D
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M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4
M;W1A;"!C=7-T;VUE<B!D97!O<VET<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,35P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
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M.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C4R+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-3(N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-#(L-S`S(#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C$U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S
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M,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU,2XW
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HU,2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M-#$L-S8S/"]F;VYT/CPO=&0^/"]T<CX\+W1A8FQE/CPO9&EV/CQP('-T>6QE
M/3-$;&EN92UH96EG:'0Z,C!P=#L@+SX\9&EV/CQP('-T>6QE/3-$=&5X="UA
M;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z.7!T.VUA<F=I;BUB;W1T;VTZ-G!T
M.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[;6%R9VEN+6QE9G0Z
M,'!T.R<@/E1H92!S8VAE9'5L960@;6%T=7)I=&EE<R!O9B!C97)T:69I8V%T
M97,@;V8@9&5P;W-I="!A<R!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/E-E
M<'1E;6)E<B`S,#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^+"`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.R<@/C(P,30\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.R<@/G=E/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YR
M92!A<R!F;VQL;W=S.CPO9F]N=#X\+W`^/"]D:78^/'`@<W1Y;&4],T1L:6YE
M+6AE:6=H=#HR,'!T.R`O/CQD:78^/'1A8FQE('-T>6QE/3-$8F]R9&5R+6-O
M;&QA<'-E.F-O;&QA<'-E.R`^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HR-C=P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HR-C=P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7-T>6QE.FET86QI8SMC;VQO
M<CHC,#`P,#`P.R<@/BA-:6QL:6]N<RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@8V]L<W!A;CTS
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M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E4N4RX\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
M=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HU."XU
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C4X+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/DYO
M;BU5+E,N/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T
M>6QE/3-$=VED=&@Z-3@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HU."XU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y4;W1A;#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@
M<W1Y;&4],T1W:61T:#HR-C=P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HR-C=P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/C(P,30\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ
M,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR
M,7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C(Q<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^(#$L,#<S(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,C%P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`S(#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)B,Q
M-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C%P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/B`Q+#`W-B`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE
M/3-$=VED=&@Z,C8W<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,C8W<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XR,#$U/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N
M,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C%P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HR,7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^(#$L,C4Y(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q
M+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,C%P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HR,7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#0@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(Q<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,2PR-C,@
M/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C(V-W!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C(V-W!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-CPO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO
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M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`Q+#8X-"`\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
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M,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(Q<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,2PV.#0@/"]F;VYT
M/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C(V-W!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(V-W!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-SPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C(Q<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C%P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`Y,S<@/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V
M,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(Q
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q
M+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,C%P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HR,7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#DS-R`\+V9O;G0^/"]T9#X\+W1R
M/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,C8W<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C8W<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$X/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,C%P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HR,7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#$L,#@Y(#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C%P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q
M,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q
M+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
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M;VQO<CHC,#`P,#`P.R<@/B`Q+#`X.2`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^
M/'1D('-T>6QE/3-$=VED=&@Z,C8W<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C8W<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y!9G1E<B`U('EE87)S/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,C%P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#8X-"`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B8C
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M,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
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M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-C@T(#PO
M9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HR-C=P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR
M-C=P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E1O=&%L/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C%P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B`V+#<R-B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
M-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT
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M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-R`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
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M.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#X@-BPW,S,@/"]F;VYT/CPO=&0^/"]T<CX\+W1A
M8FQE/CPO9&EV/CQP('-T>6QE/3-$;&EN92UH96EG:'0Z,C!P=#L@+SX\9&EV
M/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z.7!T
M.VUA<F=I;BUB;W1T;VTZ-G!T.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[;6%R9VEN+6QE9G0Z,'!T.R<@/D%S(&]F(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#XL
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^,C`Q-#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[)R`^(&%N9"!$96-E;6)E<B`S,2P@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG
M(#XR,#$S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#XL(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^8V5R=&EF:6-A=&5S(&]F/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG
M(#X@9&5P;W-I="!I;B!D96YO;6EN871I;VYS(&]F("0R-3PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[)R`^,"PP,#`@;W(@;6]R93PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[
M)R`^+"!I;B!T:&4@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
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M.C,R-BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C,R-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M<W1Y;&4Z
M:71A;&EC.V-O;&]R.B,P,#`P,#`[)R`^*$UI;&QI;VYS*3PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!C;VQS
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M9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/C(P,30\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
M+V9O;G0^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4]
M,T1W:61T:#HV,'!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^,C`Q,SPO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W
M:61T:#HS,C8N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS,C8N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/E4N4RX\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C$U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF
M(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,BXU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/B`Q,34@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[
M)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C(N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/C$T.#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\
M=&0@<W1Y;&4],T1W:61T:#HS,C8N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,C8N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/DYO;BU5+E,N/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T
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M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`R(#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S
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M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XF(S@R,3,[/"]F;VYT
M/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C,R-BXR-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,R
M-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,BXU<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B`Q,3<@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[
M)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C(N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^
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M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C$T.#PO9F]N=#X\+W1D/CPO='(^
M/"]T86)L93X\+V1I=CX\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]
M7TYE>'1087)T7SAC8S9C965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y
M80T*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X8V,V8V5E8U\T.3!B
M7S0R9CE?.#)D,%\V83(S,3%F-S<P.6$O5V]R:W-H965T<R]3:&5E=#$W+FAT
M;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B
M;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I
M:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78]
M,T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]
M=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13
M:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I
M<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O
M<G0@:60],T1)1#!%344^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S
M<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^1&5R:79A
M=&EV97,@86YD($AE9&=I;F<@06-T:79I=&EE<SQB<CX\+W-T<F]N9SX\+W1H
M/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,3XY($UO;G1H
M<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*("`@("`@
M("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$T/&)R/CPO=&@^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D1E<FEV871I=F4@26YS
M=')U;65N=',@06YD($AE9&=I;F<@06-T:79I=&EE<R!$:7-C;&]S=7)E(%M!
M8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/D1E<FEV871I=F5S(&%N9"!(961G:6YG($%C=&EV:71I97,\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\9&EV/CQP('-T>6QE/3-$
M=&5X="UA;&EG;CIL969T.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ
M-G!T.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[9F]N="UW96EG
M:'0Z8F]L9#MM87)G:6XM;&5F=#HM,34N.#5P=#MC;VQO<CHC,#`P,#`P.R<@
M/C@\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XN(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[9F]N="UW96EG:'0Z
M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^1&5R:79A=&EV97,@
M86YD($AE9&=I;F<@06-T:79I=&EE<SPO9F]N=#X\+W`^/'`@<W1Y;&4],T1T
M97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O
M;3HP<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM
M;&5F=#HP<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4:&4@0V]M<&%N>2!U<V5S(&1E
M<FEV871I=F4@9FEN86YC:6%L(&EN<W1R=6UE;G1S("AD97)I=F%T:79E<RD@
M=&\@;6%N86=E(&5X<&]S=7)E<R!T;R!V87)I;W5S(&UA<FME="!R:7-K<RX@
M1&5R:79A=&EV97,@9&5R:79E('1H96ER('9A;'5E(&9R;VT@86X@=6YD97)L
M>6EN9R!V87)I86)L92!O<B!M=6QT:7!L92!V87)I86)L97,L(&EN8VQU9&EN
M9R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^:6YT97)E
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M,7!T.V-O;&]R.B,P,#`P,#`[)R`^<&%N>28C.#(Q-SMS(&UA<FME="!R:7-K
M(&UA;F%G96UE;G0N(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y4:&4@0V]M<&%N/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P
M,#`P.R<@/GD@9&]E<R!N;W0@96YG86=E(&EN(&1E<FEV871I=F5S(&9O<B!T
M<F%D:6YG('!U<G!O<V5S+CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@1F]R(&EN9F]R;6%T:6]N(&]N('1H92!#;VUP86YY)B,X,C$W
M.W,@9&5R:79A=&EV92!I;G-T<G5M96YT<R!A;F0@=&AE(')E;&%T960@86-C
M;W5N=&EN9R!P;VQI8VEE<RP@<F5F97(@=&\@3F]T92`Q,B!O;B!P86=E<R`X
M-R`F(S@R,3$[(#DP(&]F('1H92!!;FYU86P@4F5P;W)T+B`@/"]F;VYT/CPO
M<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3ML:6YE+6AE:6=H=#HQ
M,G!T.R`^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I
M;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,'!T.VQI;F4M:&5I9VAT.C$R<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[;6%R9VEN+6QE9G0Z,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^26X@<F5L871I;VX@=&\@=&AE($-O;7!A;GDF(S@R,3<[<R!C<F5D:70@
M<FES:RP@=6YD97(@=#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P
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M,7!T.V-O;&]R.B,P,#`P,#`[)R`^+B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O
M;&]R.B,P,#`P,#`[)R`^0F%S93PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z
M(S`P,#`P,#LG(#YD(&]N('1H92!A<W-E<W-M96YT(&]F(&-R961I="!R:7-K
M(&]F('1H92!#;VUP86YY)B,X,C$W.W,@9&5R:79A=&EV92!C;W5N=&5R<&%R
M=&EE<R!A<R!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[
M)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P
M,#`P.R<@/BP@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@
M/C(P,30\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^(&%N
M9"!$96-E;6)E<B`S,2P@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P
M,#`P.R<@/C(P,3,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[
M)R`^+"!T:&4@0V]M<&%N>2!D;V5S(&YO="!H879E(&1E<FEV871I=F4@<&]S
M:71I;VYS('1H870@=V%R<F%N="!C<F5D:70@=F%L=6%T:6]N(&%D:G5S=&UE
M;G1S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/BX\+V9O
M;G0^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VQI;F4M:&5I
M9VAT.C$R<'0[(#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[
M;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HP<'0[;&EN92UH96EG:'0Z
M,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F=#HP<'0[)R`^5&AE($-O
M;7!A;GDF(S@R,3<[<R!D97)I=F%T:79E<R!A<F4@/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#LG(#YC87)R:65D(&%T(&9A:7(@=F%L=64@;VX@=&@\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.R<@/F4@0V]N<V]L:61A=&5D($)A;&%N8V4@4VAE971S+B`\
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M)R`^-C@@)B,X,C$Q.R`W,3PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(&]F('1H
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M:6YE+6AE:6=H=#HQ,G!T.R`^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ
M=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ-G!T.VQI;F4M
M:&5I9VAT.C$R<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[;6%R9VEN+6QE9G0Z,'!T.R<@
M/E1H92!F;VQL;W=I;F<@=#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^86)L92!S
M=6UM87)I>F5S('1H92!T;W1A;"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/F9A
M:7(@=F%L/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YU92P@97AC;'5D:6YG(&EN
M=&5R97-T(&%C8SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^<G5A;',L(&]F(&1E
M<FEV871I=F4@87-S971S(&%N9"!L/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YI
M86)I;&ET:65S(&%S(&]F(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y397!T96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R
M.B,P,#`P,#`[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P
M,#`[)R`^,C`Q-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG
M(#X@86YD($1E8V5M8F5R(#,Q+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R
M.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^.CPO9F]N
M=#X\+W`^/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O/CQD
M:78^/'1A8FQE('-T>6QE/3-$8F]R9&5R+6-O;&QA<'-E.F-O;&QA<'-E.R`^
M/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HR-S`N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HR-S`N-S5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0U(')O
M=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z.3`N-S5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E
M<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CDP+C<U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/D]T:&5R($%S<V5T<SPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP
M=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT
M9"!C;VQS<&%N/3-$-2!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.CDP+C<U
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HY,"XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/=&AE
M<B!,:6%B:6QI=&EE<SPO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4]
M,T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HR-S`N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HR-S`N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M."XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0U(')O=W-P86X]
M,T0Q('-T>6QE/3-$=VED=&@Z.3`N-S5P=#MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E
M<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CDP+C<U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/D9A:7(@5F%L=64\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
M=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HY,"XW
M-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z.3`N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[
M)R`^1F%I<B!686QU93PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A
M;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR-SEP=#MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-SEP
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.7!T.V9O;G0M<W1Y;&4Z:71A;&EC.V-O;&]R.B,P,#`P
M,#`[)R`^*$UI;&QI;VYS*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
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M.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P
M.R<@/C(P,3,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF
M(S$V,#L\+V9O;G0^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@
M<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
M=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HT,2XR
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XR
M,#$S/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S
M<&%N/3-$,2!S='EL93TS1'=I9'1H.C(W.7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(W.7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y$97)I=F%T:79E<R!D97-I9VYA=&5D(&%S(&AE
M9&=I;F<@:6YS=')U;65N=',Z/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z."XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S(N,C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,BXR-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS,BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C,R+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HX+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
M.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C,R+C(U<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S(N,C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O
M;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z.7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.CEP=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S(N
M,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,S(N,C5P=#L@/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R
M;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C(W.7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(W.7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y);G1E<F5S="!R871E(&-O;G1R86-T
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M,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z.7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.CEP=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S(N,C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V
M,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T
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M;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S
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M;&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HR-S`N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HR-S`N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^1F%I<B!V86QU92!H961G97,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HY<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M,BXR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS,BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/B`S,#D@/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P
M,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z.7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^
M)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,R+C(U<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,R+C(U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`T-34@/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,S(N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S(N,C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,C<@/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C,R+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C,R+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P
M,#`P.R<@/B`R(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS
M1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR-SEP=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-SEP=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P@<F5T=7)N(&-O;G1R
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M+7=I9'1H.C(W,"XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG
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M;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
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M9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`X(#PO9F]N=#X\+W1D
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M;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M,BXR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS,BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG
M(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A
M;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR-SEP=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-SEP=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^1F]R96EG;B!E>&-H86YG
M92!C;VYT<F%C=',\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,BXR-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,BXR-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS,BXR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C,R+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C@N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HX+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
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M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
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M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(W,"XW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@:6YV97-T;65N="!H961G97,\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS,BXR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,BXR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`S.#0@/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
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M.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#$W-"`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HY<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M,BXR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS,BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z
M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`U-R`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HY<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M,BXR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS,BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XQ,38@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$
M,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C(W.7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(W.7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4;W1A;"!D97)I=F%T:79E<R!D97-I
M9VYA=&5D(&%S(&AE9&=I;F<@:6YS=')U;65N=',\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HY<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,BXR-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M,BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B`V.3,@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M."XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C@N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^
M)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S(N,C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S(N,C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#8S-R`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M,BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS,BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/B`X-"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HY<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,BXR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,BXR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,3$X(#PO9F]N=#X\
M+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y
M;&4],T1W:61T:#HR-SEP=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HR-SEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P
M,#`P,#`[)R`^1&5R:79A=&EV97,@;F]T(&1E<VEG;F%T960@87,@:&5D9VEN
M9R!I;G-T<G5M96YT<SH\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX
M+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,BXR-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,R+C(U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D
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M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[
M)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M.7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.CEP=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S(N,C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,BXR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS,BXR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,BXR-7!T.R`^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
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M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/D9O<F5I9VX@97AC:&%N9V4@8V]N
M=')A8W1S+"!I;F-L=61I;F<@8V5R=&%I;B!E;6)E9&1E9"!D97)I=F%T:79E
M<SPO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^*&$I
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M+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@
M,3(Y(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P
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M="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`V-"`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS,BXR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS,BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`Q-C(@/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D
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M.B,P,#`P,#`[)R`^.34@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS
M<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C(W.7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(W.7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4;W1A;"!D97)I=F%T:79E
M<RP@9W)O<W,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS,BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,BXR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`X,C(@/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,S(N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,S(N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^(#<P,2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V
M,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,BXR-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,BXR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`R-#8@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,S(N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S(N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^(#(Q,R`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O
M;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,C<Y<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C<Y
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/DQE<W,Z($-A<V@@
M8V]L;&%T97)A;"!N971T:6YG/"]F;VYT/CQS=7`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XH8BD@/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE
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M(S`P,#`P,#LG(#X@*#$R-2D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,BXR-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,BXR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#,S-BD\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS,BXR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS,BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`H,C<I/"]F;VYT/CPO=&0^/'1D
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M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^
M("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X]
M,T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,C<Y<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C<Y<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`@("`@("`@("!$97)I
M=F%T:79E(&%S<V5T(&%N9"!D97)I=F%T:79E(&QI86)I;&ET>2!N971T:6YG
M/"]F;VYT/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XH8RD@
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M+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@
M*#$R-BD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS,BXR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,BXR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#,V*3PO9F]N=#X\+W1D/CQT
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M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("@Q,C8I/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z.7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,S(N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,S(N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^("@S-BD\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X]
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M="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/E1O=&%L(&1E<FEV871I=F5S
M+"!N970\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/BAD*3PO9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P
M=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,R+C(U<'0[8F]R
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M,#`P,#`[)R`^(#4W,2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX
M+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,S(N,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S(N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#,R.2`\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HY<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z
M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS,BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS,BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`Y,R`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S(N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,S(N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#$W
M-R`\+V9O;G0^/"]T9#X\+W1R/CPO=&%B;&4^/"]D:78^/'`@<W1Y;&4],T1L
M:6YE+6AE:6=H=#HR,'!T.R`O/CQD:78^/'5L/CQL:2!S='EL93TS1&QI<W0M
M<W1Y;&4Z;&]W97(M86QP:&$[=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT
M;W`Z-G!T.VUA<F=I;BUB;W1T;VTZ,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y);F-L=61E<R!F;W)E:6=N(&-U<G)E;F-Y(&1E<FEV871I
M=F5S(&5M8F5D9&5D(&EN(&-E<G1A:6X@;W!E<F%T:6YG(&%G<F5E;65N=',N
M/"]F;VYT/CPO;&D^/&QI('-T>6QE/3-$;&ES="US='EL93IL;W=E<BUA;'!H
M83MT97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O
M='1O;3HP<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/E)E<')E
M<V5N=',@=&AE(&]F9G-E='1I;F<@;V8@9&5R:79A=&EV92!I;G-T<G5M96YT
M<R!A;F0@=&AE(')I9VAT('1O(')E8VQA:6T@8V%S:"!C;VQL871E<F%L("AA
M(')E8V5I=F%B;&4I(&]R('1H92!O8FQI9V%T:6]N('1O(')E='5R;B!C87-H
M(&-O;&QA=&5R86P@*&$@<&%Y86)L92D@87)I<VEN9R`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YF<F]M(&1E<FEV871I=F4@:6YS=')U
M;65N="AS*2!E>&5C=71E9"!W:71H('1H92!S86UE(&-O=6YT97)P87)T>2!U
M;F1E<B!A;B!E;F9O<F-E86)L92!M87-T97(@;F5T=&EN9R!A<G)A;F=E;65N
M="X\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^($%D9&ET:6]N86QL>2P@=&AE($-O
M;7!A;GD@<F5C96EV960@;F]N8V%S:"!C;VQL871E<F%L(&9R;VT@82!C;W5N
M=&5R<&%R='D@:6X@=&AE(&9O<FT@;V8@<V5C=7)I='D@:6YT97)E<W0@:6X@
M52Y3+B!4<F5A<W5R>2!S96-U<FET:65S('=I=&@@83PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#LG(#X@9F%I<B!V86QU92!O9B`D,3$Q(&UI;&QI;VX@86YD(&YI;"!A
M<R!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y397!T
M96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XL
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@86YD($1E8V5M8F5R
M(#,Q+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$S
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^+"!R97-P96-T
M:79E;'D\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XL(&YO
M;F4@;V8@=VAI8V@@=V%S('-O;&0@;W(@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^<F5P;&5D9V5D/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^+B!3=6-H(&YO;F-A<V@@8V]L;&%T97)A;"!E8V]N
M;VUI8V%L;'D@<F5D=6-E<R!T:&4@0V]M<&%N>28C.#(Q-SMS(')I<VL@97AP
M;W-U<F4@=&\@)#0V,"!M:6QL:6]N(&%S(&]F(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#MC;VQO<CHC,#`P,#`P.R<@/BP@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/BP@8G5T(&0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#YO97,@;F]T(')E9'5C92!T:&4@;F5T(&5X<&]S=7)E(&]N('1H
M92!#;VUP86YY)B,X,C$W.W,@0V]N<V]L:61A=&5D($)A;&%N8V4@4VAE971S
M+B!!9&1I=&EO;F%L;'DL('1H92!#;VUP86YY('!O<W1E9"`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^.3<\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#X@;6EL;&EO;B!A;F0@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/C(V/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M(&UI;&QI;VX@87,@;V8@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P
M,#`P,#`[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XR,#$T/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(&%N
M9"!$96-E;6)E<B`S,2P@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
M/BP@<F5S<&5C=&EV96QY/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^+"!A<R!I;FET:6%L(&UA<F=I;B!O;B!I=',@8V5N=#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/G)A;&QY(&-L96%R960@:6YT
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M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/E)E<')E<V5N=',@=&AE
M(&%M;W5N="!O9B!N971T:6YG(&]F(&1E<FEV871I=F4@87-S971S(&%N9"!D
M97)I=F%T:79E(&QI86(\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#YI;&ET:65S(&5X96-U=&5D('=I=&@@=&AE('-A;64@8V]U;G1E<G!A
M<G1Y('5N9&5R(&%N(&5N9F]R8V5A8FQE(&UA<W1E<B!N971T:6YG(&%R<F%N
M9V5M96YT+CPO9F]N=#X\+VQI/CQL:2!S='EL93TS1&QI<W0M<W1Y;&4Z;&]W
M97(M86QP:&$[=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA
M<F=I;BUB;W1T;VTZ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
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M.'!T.V-O;&]R.B,P,#`P,#`[)R`^;F5T(&1E<FEV871I=F4@87-S971S(&%N
M9"!D97)I=F%T:79E(&QI86)I;&ET:65S(&%R92!P<F5S96YT960@=VET:&EN
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/D\\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YT:&5R(&%S<V5T<R!A;F0@
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^3SPO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/G1H97(@;&EA8FEL:71I97,@
M;VX@=&AE($-O;7!A;GDF(S@R,3<[<R!#;VYS;VQI9&%T960@0F%L86YC92!3
M:&5E=',N/"]F;VYT/CPO;&D^/"]U;#X\<"!S='EL93TS1'1E>'0M86QI9VXZ
M:G5S=&EF>3MM87)G:6XM=&]P.C9P=#MM87)G:6XM8F]T=&]M.C9P=#ML:6YE
M+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.VUA<F=I;BUL969T.C!P=#MC
M;VQO<CHC,#`P,#`P.R<@/D$@;6%J;W)I='D@;V8@=&AE($-O;7!A;GDF(S@R
M,3<[<R!D97)I=F%T:79E(&%S<V5T<R!A;F0@;&EA8FEL:71I97,@87,@;V8@
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E
M<B`S,#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XL(#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B!A;F0@1&5C96UB97(@
M,S$L(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$S
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^87)E('-U8FIE8W0@=&\@
M;6%S=&5R(&YE='1I;F<@86=R965M96YT<R!W:71H(&ET<R!D97)I=F%T:79E
M(&-O=6YT97)P87)T:65S+B!);B!A9&1I=&EO;BP@=&AE($-O;7!A;GD@:&%S
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#YN;SPO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#X@9&5R:79A=&EV92!A
M;6]U;G1S('-U8FIE8W0@=&\@96YF;W)C96%B;&4@;6%S=&5R(&YE='1I;F<@
M87)R86YG96UE;G1S('1H870@87)E(&YO="!O9F9S970@;VX@=&AE($-O;7!A
M;GDF(S@R,3<[<R!#;VYS;VQI9&%T960@0F%L86YC92!3:&5E=',N/"]F;VYT
M/CPO<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P
M.C9P=#MM87)G:6XM8F]T=&]M.C9P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[=&5X="UD96-O<F%T:6]N.G5N
M9&5R;&EN93MM87)G:6XM;&5F=#HP<'0[8V]L;W(Z(S`P,#`P,#LG(#Y$97(\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[=&5X="UD96-O
M<F%T:6]N.G5N9&5R;&EN93MC;VQO<CHC,#`P,#`P.R<@/FEV871I=F4@1FEN
M86YC:6%L($EN<W1R=6UE;G1S('1H870@475A;&EF>2!F;W(@2&5D9V4@06-C
M;W5N=&EN9R`\+V9O;G0^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T
M:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,'!T.VQI;F4M:&5I
M9VAT.C$P<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[;6%R9VEN+6QE9G0Z,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^4F5F97(@=&\@3F]T92`Q,B!O;CPO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#X@<&%G97,@/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#MC;VQO<CHC,#`P,#`P.R<@/C@Y("8C.#(Q,3L@.3`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^(&]F('1H92!!;FYU86P@4F5P
M;W)T(&9O<B!I;F9O<FUA=&EO;B!O;B!D97)I=F%T:79E<R!T:&%T('%U86QI
M9GD@9F]R(&AE9&=E(&%C8V]U;G1I;F<N/"]F;VYT/CPO<#X\<"!S='EL93TS
M1'1E>'0M86QI9VXZ:G5S=&EF>3ML:6YE+6AE:6=H=#HQ,'!T.R`^/"]P/CQP
M('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA
M<F=I;BUB;W1T;VTZ-G!T.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[9F]N="UW96EG:'0Z8F]L9#MT97AT+61E8V]R871I;VXZ=6YD97)L:6YE
M.VUA<F=I;BUL969T.C!P=#MC;VQO<CHC,#`P,#`P.R<@/D9A:7(@5F%L=64@
M2&5D9V5S/"]F;VYT/CPO<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF
M>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C!P=#ML:6YE+6AE:6=H
M=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[9F]N="US
M='EL93II=&%L:6,[;6%R9VEN+6QE9G0Z,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M26YT97)E<W0@4F%T92!#;VYT<F%C=',\+V9O;G0^/"]P/CQP('-T>6QE/3-$
M=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T
M;VTZ,'!T.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[;6%R9VEN
M+6QE9G0Z,'!T.V-O;&]R.B,P,#`P,#`[)R`^5&AE($-O;7!A;GD@:7,@97AP
M;W-E9"!T;R!I;G1E<F5S="!R871E(')I<VL@87-S;V-I871E9"!W:71H(&ET
M<R!F:7AE9"UR871E(&QO;F<M=&5R;2!D96)T+B!4:&4@0V]M<&%N>2!U<V5S
M(&EN=&5R97-T(')A=&4@<W=A<',@=&\@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC
M;VQO<CHC,#`P,#`P.R<@/F5C;VYO;6EC86QL>2`\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,7!T.V-O;&]R.B,P,#`P,#`[)R`^8V]N=F5R="!C97)T86EN(&9I>&5D+7)A
M=&4@9&5B="`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^
M;V)L:6=A=&EO;G,@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P
M.R<@/G1O(&9L;V%T:6YG+7)A=&4@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO
M<CHC,#`P,#`P.R<@/F]B;&EG871I;VYS(#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[
M8V]L;W(Z(S`P,#`P,#LG(#YA="!T:&4@=&EM92!O9B!I<W-U86YC92X@07,@
M;V8@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E
M;6)E<B`S,#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#XL
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^86YD($1E8V5M8F5R(#,Q+"`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,SPO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#XL/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B!T:&4@0V]M<&%N>2!H961G960@
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^,3@N,CPO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#X@8FEL;&EO;B!A;F0@/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^,30N-SPO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[8V]L;W(Z(S`P,#`P,#LG(#X@8FEL;&EO;CPO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XL(')E<W!E8W1I=F5L>2P@;V8@:71S(&9I
M>&5D+7)A=&4@9&5B="!T;R!F;&]A=&EN9RUR871E(&1E8G0@=7-I;F<@:6YT
M97)E<W0@<F%T92!S=V%P<RX\+V9O;G0^/"]P/CQP('-T>6QE/3-$=&5X="UA
M;&EG;CIJ=7-T:69Y.VQI;F4M:&5I9VAT.C$R<'0[(#X\+W`^/'`@<W1Y;&4]
M,T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O
M='1O;3HP<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MF;VYT
M+7=E:6=H=#IB;VQD.V9O;G0M<W1Y;&4Z:71A;&EC.VUA<F=I;BUL969T.C!P
M=#MC;VQO<CHC,#`P,#`P.R<@/E1O=&%L(%)E='5R;B!#;VYT<F%C=#PO9F]N
M=#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O
M<#HP<'0[;6%R9VEN+6)O='1O;3HP<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3%P=#MM87)G:6XM;&5F=#HP<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4
M:&4@0V]M<&%N>2!H961G960@:71S(&5X<&]S=7)E('1O(&-H86YG97,\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^(&EN('1H92!F86ER
M('9A;'5E(&]F(&ET<R!E<75I='D@:6YV97-T;65N="!I;B!)0T)#(&EN(&QO
M8V%L(&-U<G)E;F-Y+B!4:&4@0V]M<&%N>2!U<V5D(&$@=&]T86P@<F5T=7)N
M(&-O;G1R86-T("A44D,I('1O('1R86YS9F5R('1H:7,@97AP;W-U<F4@=&\@
M:71S(&1E<FEV871I=F4@8V]U;G1E<G!A<G1Y+B!/;B!*=6QY(#$X+"`R,#$T
M+"!T:&4@0V]M<&%N>2!S;VQD(&ET<R!R96UA:6YI;F<@,S0N,R!M:6QL:6]N
M('-H87)E<R!I;B!)0T)#(&%N9#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z
M(S`P,#`P,#LG(#X@=&5R;6EN871E9"!T:&4@5%)#+B!!<R!O9CPO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#X@1&5C96UB97(@,S$L(#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$S/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/BP@=&AE(&9A:7(@=F%L
M=64@;V8@=&AE(&5Q=6ET>2!I;G9E<W1M96YT(&EN($E#0D,@=V%S("0Q,C(@
M;6EL;&EO;B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^
M*#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ.#`N-R!M
M:6QL:6]N('-H87)E<RDN(%!R:6]R('1O('1E<FUI;F%T:6]N+"!T;R!T:&4@
M97AT96YT('1H92!H961G92!W87,@969F96-T:79E+"!T:&4@9V%I;B!O<B!L
M;W-S(&]N('1H92!44D,@;V9F<V5T('1H92!G86EN(&]R(&QO<W,@;VX@=&@\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^92!I;G9E<W1M
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M8V]L;W(Z(S`P,#`P,#LG(#Y/=&AE<CPO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L
M;W(Z(S`P,#`P,#LG(#X@97AP96YS97,@:6X@=&AE($-O;G-O;&ED871E9"!3
M=&%T96UE;G1S(&]F($EN8V]M92X@/"]F;VYT/CPO<#X\<"!S='EL93TS1'1E
M>'0M86QI9VXZ:G5S=&EF>3ML:6YE+6AE:6=H=#HQ,G!T.R`^/"]P/CQP('-T
M>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I
M;BUB;W1T;VTZ-G!T.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[
M;6%R9VEN+6QE9G0Z,'!T.V-O;&]R.B,P,#`P,#`[)R`^5&AE(&9O;&QO=VEN
M9R!T86)L92!S=6UM87)I>F5S('1H92!I;7!A8W0@;VX@=&AE($-O;G-O;&ED
M871E9"!3=&%T96UE;G1S(&]F($EN8V]M92!A<W-O8VEA=&5D('=I=&@@=&AE
M($-O;7!A;GDF(S@R,3<[<R!H961G97,@;V8@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P
M=#MC;VQO<CHC,#`P,#`P.R<@/FET<R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O
M;&]R.B,P,#`P,#`[)R`^9FEX960M<F%T92!L;VYG+71E<FT@9&5B=#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#X@86YD(&ET<R!I;G9E
M<W1M96YT(&EN($E#0D,@9F]R('1H92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O
M;&]R.B,P,#`P,#`[)R`^=&AR964@86YD(&YI;F4@;6]N=&AS(&5N9&5D/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^4V5P=&5M8F5R(#,P/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/CH\+V9O;G0^/"]P/CPO
M9&EV/CQP('-T>6QE/3-$;&EN92UH96EG:'0Z,C!P=#L@+SX\9&EV/CQT86)L
M92!S='EL93TS1&)O<F1E<BUC;VQL87!S93IC;VQL87!S93L@/CQT<B`^/'1D
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M<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^
M1F]R('1H92!4:')E92!-;VYT:',@16YD960@4V5P=&5M8F5R(#,P.CPO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C<N-7!T.V9O;G0M<W1Y;&4Z:71A;&EC.V-O;&]R.B,P,#`P
M,#`[)R`^("A-:6QL:6]N<RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,BXU<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HR,BXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,C(N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY,'!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CDP<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C(R+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HR,BXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(R+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,BXU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C(R+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HR,BXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C(R+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,BXU<'0[(#X\+W1D/CPO
M='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HW,G!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<R<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R
M.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D(&-O;'-P
M86X],T0R,2!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C,Y-RXU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M.3<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/D=A:6YS
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M8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@
M8V]L<W!A;CTS1#<@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ-C`N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,38P+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y$
M97)I=F%T:79E(&-O;G1R86-T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-G!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#<@<F]W<W!A;CTS1#$@
M<W1Y;&4],T1W:61T:#HQ-C`N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,38P+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y(961G960@:71E;3PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P
M,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D(&-O;'-P86X]
M,T0U(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-C0N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-C0N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/DYE="!H961G93PO9F]N
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M:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.3!P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY,'!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B8C
M,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!C;VQS<&%N/3-$-2!R;W=S<&%N
M/3-$,2!S='EL93TS1'=I9'1H.C8T+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8T+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y!;6]U;G0\+V9O;G0^/"]T9#X\=&0@
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M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O
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M,#`P,#`[)R`^06UO=6YT/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V
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M.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[:6YE9F9E8W1I=F5N97-S
M/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C<R<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-S)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y$97)I
M=F%T:79E(')E;&%T:6]N<VAI<#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P
M,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z.3!P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HY,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P
M.R<@/DEN8V]M92!3=&%T96UE;G0@3&EN92!)=&5M/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@8V]L<W!A;CTS1#(@
M<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR.2XR-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR.2XR-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^,C`Q-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO
M9F]N=#X\+W1D/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS
M1'=I9'1H.C(Y+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C(Y+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R
M.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C9P=#MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.3!P=#MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY
M,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/DEN8V]M92!3
M=&%T96UE;G0@3&EN92!)=&5M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XF
M(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HR.2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR.2XR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,C`Q
M-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\
M=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR.2XR
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HR.2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@
M/C(P,3,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
M+V9O;G0^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4]
M,T1W:61T:#HR.2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HR.2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO
M<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!C;VQS
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M4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,SPO
M9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HW,G!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<R<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^26YT97)E<W0@<F%T
M92!C;VYT<F%C=',\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B8C
M,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CDP<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.3!P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/=&AE<B!E>'!E
M;G-E<R8C,38P.R8C,38P.SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P
M,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,BXU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/B@Q,#DI/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF
M(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HR,BXU<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XH,3$I/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/=&AE<B!E
M>'!E;G-E<R8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^
M)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR
M,BXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C(R+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/C$Q,CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,BXU<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XU/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C(R+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C(N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^,SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[
M)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XD
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C(N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,BXU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^*#8I/"]F;VYT/CPO=&0^
M/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C<R<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-S)P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4;W1A;"!R971U<FX@8V]N
M=')A8W0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
M.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CDP<'0[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M.3!P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/=&AE<B!N
M;VXM:6YT97)E<W0@<F5V96YU97,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO
M<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B8C
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M=&@Z,C(N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`F
M(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF
M(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,BXU<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XH,C$I/"]F
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M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/=&AE<B!N;VXM:6YT97)E<W0@<F5V96YU
M97,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO
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M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C(R+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M+C5P=#MC;VQO<CHC,#`P,#`P.R<@/C(Q(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C9P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P
M,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,BXU<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C(R+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@
M)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CPO='(^/"]T86)L93X\+V1I=CX\<"!S
M='EL93TS1&QI;F4M:&5I9VAT.C(P<'0[("\^/&1I=CX\=&%B;&4@<W1Y;&4]
M,T1B;W)D97(M8V]L;&%P<V4Z8V]L;&%P<V4[(#X\='(@/CQT9"!C;VQS<&%N
M/3-$,R!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$V."XW-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$V."XW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/D9O<B!T:&4@
M3FEN92!-;VYT:',@16YD960@4V5P=&5M8F5R(#,P.CPO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C<N-7!T.V9O;G0M<W1Y;&4Z:71A;&EC.V-O;&]R.B,P,#`P,#`[)R`^("A-
M:6QL:6]N<RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HR,BXU<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,BXU
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,C(N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY,'!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CDP<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(R+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HR,BXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C(R+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,BXU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N
M-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(R+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR
M,BXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C(R+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HR,BXU<'0[(#X\+W1D/CPO='(^/'1R(#X\
M=&0@<W1Y;&4],T1W:61T:#HW,G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<R<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[
M)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D(&-O;'-P86X],T0R,2!R
M;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C,Y-RXU<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIC
M96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS.3<N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/D=A:6YS("AL;W-S97,I
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M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@8V]L<W!A;CTS
M1#<@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ-C`N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,38P+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y$97)I=F%T:79E
M(&-O;G1R86-T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T
M.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#<@<F]W<W!A;CTS1#$@<W1Y;&4],T1W
M:61T:#HQ-C`N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,38P+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y(961G960@:71E;3PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^
M)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D(&-O;'-P86X],T0U(')O=W-P
M86X],T0Q('-T>6QE/3-$=VED=&@Z-C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-C0N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M+C5P=#MC;VQO<CHC,#`P,#`P.R<@/DYE="!H961G93PO9F]N=#X\+W1D/CPO
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M.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z.3!P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HY,'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
M.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!C;VQS<&%N/3-$-2!R;W=S<&%N/3-$
M,2!S='EL93TS1'=I9'1H.C8T+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8T+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y!;6]U;G0\+V9O;G0^/"]T9#X\=&0@<W1Y
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M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P
M,#`[)R`^06UO=6YT/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF
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M-7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[:6YE9F9E8W1I=F5N97-S/"]F
M;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C<R<'0[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-S)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y$97)I=F%T
M:79E(')E;&%T:6]N<VAI<#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[
M)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M.3!P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HY,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@
M/DEN8V]M92!3=&%T96UE;G0@3&EN92!)=&5M/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@8V]L<W!A;CTS
M1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR.2XR-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR.2XR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^,C`Q-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P
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M;&]R.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C9P=#MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.3!P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HY,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/DEN8V]M
M92!3=&%T96UE;G0@3&EN92!)=&5M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W
M<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR.2XR-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR.2XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M,C`Q-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T
M9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR
M.2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HR.2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P
M.R<@/C(P,3,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V
M,#L\+V9O;G0^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y
M;&4],T1W:61T:#HR.2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HR.2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC
M;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!C
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M97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q
M,SPO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HW,G!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<R
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^26YT97)E<W0@
M<F%T92!C;VYT<F%C=',\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@
M/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CDP
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M.3!P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/=&AE<B!E
M>'!E;G-E<R8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^
M)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR
M,BXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C(R+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/B@Q-S`I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B0\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,BXU<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XH,S`U*3PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HY,'!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.CDP<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[
M)R`^3W1H97(@97AP96YS97,F(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC
M,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,C(N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HR,BXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ-S8\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C(N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,BXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^,CDU/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C(R+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^-CPO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O
M;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C(N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HR,BXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^*#$P
M*3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HW,G!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<R<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^5&]T
M86P@<F5T=7)N(&-O;G1R86-T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-BXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HY,'!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.CDP<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P
M,#`[)R`^3W1H97(@;F]N+6EN=&5R97-T(')E=F5N=65S/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HR,BXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C$Q/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HR,BXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XH,3`I/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y/=&AE<B!N;VXM:6YT97)E<W0@<F5V96YU97,\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO
M<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL
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M<CI";&%C:SMM:6XM=VED=&@Z,C(N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^*#$Q*3PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HR,BXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C(R+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XQ,"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@
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M=VED=&@Z,C(N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HR,BXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C(R+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CPO='(^/"]T86)L93X\
M+V1I=CX\<"!S='EL93TS1&QI;F4M:&5I9VAT.C(P<'0[("\^/&1I=CX\<"!S
M='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P=#MM87)G
M:6XM8F]T=&]M.C!P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.VUA<F=I;BUL969T.C!P=#MC;VQO<CHC,#`P,#`P.R<@/E1H92!#;VUP86YY
M(&%L<V\@<F5C;V=N:7IE9"!A(&YE="!R961U8W1I;VX@:6X@:6YT97)E<W0@
M97AP96YS92!O;B!L;VYG+71E<FT@9&5B="!O9B`\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XW-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@
M/FUI;&QI;VX@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@
M/F%N9"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#XW-CPO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#MC;VQO<CHC,#`P,#`P.R<@/FUI;&QI;VX@/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#MC;VQO<CHC,#`P,#`P.R<@/F9O<B!T:&4@=&AR964@;6]N=&AS(&5N
M9&5D(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#Y397!T
M96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^
M+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#X@86YD(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$S/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/BP@/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#MC;VQO<CHC,#`P,#`P.R<@/G)E<W!E8W1I=F5L>2P@86YD(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/C(Q-SPO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[8V]L;W(Z(S`P,#`P,#LG(#X@;6EL;&EO;B!A;F0@/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.V-O;&]R.B,P,#`P,#`[)R`^,C@P/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO
M<CHC,#`P,#`P.R<@/B!M:6QL:6]N(&9O<B!T:&4@/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#MC;VQO<CHC,#`P,#`P.R<@/FYI;F4@;6]N=&AS(&5N9&5D/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/BP@/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.V-O;&]R.B,P,#`P,#`[)R`^(&%N9"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O
M;&]R.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XL(')E<W!E8W1I=F5L>2P@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P
M=#MC;VQO<CHC,#`P,#`P.R<@/G!R:6UA<FEL>2!R96QA=&5D('1O('1H92!N
M970@<V5T=&QE;65N=',@*&EN=&5R97-T(&%C8W)U86QS*2!O;B!T:&4@0V]M
M<&%N>28C.#(Q-SMS(&EN=&5R97-T(')A=&4@9&5R:79A=&EV97,@9&5S:6=N
M871E9"!A<R!F86ER('9A;'5E(&AE9&=E<RX\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT
M+6%L:6=N.FIU<W1I9GD[;&EN92UH96EG:'0Z,3)P=#L@/CPO<#X\<"!S='EL
M93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM
M8F]T=&]M.C9P=#ML:6YE+6AE:6=H=#HQ,RXX<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[
M9F]N="UW96EG:'0Z8F]L9#MT97AT+61E8V]R871I;VXZ=6YD97)L:6YE.VUA
M<F=I;BUL969T.C!P=#MC;VQO<CHC,#`P,#`P.R<@/DYE="!);G9E<W1M96YT
M($AE9&=E<SPO9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I
M9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HP<'0[;&EN92UH96EG
M:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F=#HP<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y4:&4@969F96-T:79E/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC
M;VQO<CHC,#`P,#`P.R<@/B!P;W)T:6]N(&]F('1H92!G86EN(&]R("AL;W-S
M*2!O;B!N970@:6YV97-T;65N="!H961G97,L(&YE="!O9B!T87AE<RP@<F5C
M;W)D960@:6X@04]#22!A<R!P87)T(&]F('1H92!C=3PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#YM=6QA=&EV92!T<F%N<VQA=&EO;B!A
M9&IU<W1M96YT/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@
M/B!W87,@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B0\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^,C0V/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B!M:6QL:6]N(&%N9"`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#XH,3(S*3PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P
M=#MC;VQO<CHC,#`P,#`P.R<@/FUI;&QI;VX@9F]R('1H92!T:')E92!M;VYT
M:',@96YD960@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@
M/E-E<'1E;6)E<B`S,#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XL(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#XR
M,#$T/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B!A;F0@
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^+#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#X@<F5S<&5C=&EV96QY+"!A;F0@
M=V%S(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/C$Q,SPO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#X@;6EL;&EO;B!A;F0@/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^,38P/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B!M:6QL:6]N(&9O<B!T:&4@;FEN92!M
M;VYT:',@96YD960@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P
M.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XL(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XR,#$T/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B!A
M;F0@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3,\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^+"!R97-P96-T
M:79E;'DN(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#Y!
M;GD@:6YE9F9E8W1I=F4@<&]R=&EO;B!O9B!T:&4@9V%I;B!O<B`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^*#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#YL;W-S/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P
M=#MC;VQO<CHC,#`P,#`P.R<@/BD\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R
M.B,P,#`P,#`[)R`^(&]N(&YE="!I;G9E<W1M96X\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,7!T.V-O;&]R.B,P,#`P,#`[)R`^="!H961G97,@:7,@<F5C;V=N:7IE9"!I
M;B!O/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/G1H97(\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^(&5X<&5N<V5S
M(&0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^=7)I;F<@
M=&AE('!E<FEO9"!O9B!C:&%N9V4\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R
M.B,P,#`P,#`[)R`^+B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P
M,#`[)R`^1'5R:6YG('1H92!T:')E92!M;VYT:',@96YD960@/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E<B`S,#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#XL(#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B!A;F0@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P
M=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O
M;&]R.B,P,#`P,#`[)R`^+"!T:&4@0V]M<&%N>2!R96-L87-S:69I960@/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^*#$I/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B!M:6QL:6]N(&%N9"!N:6PL(')E<W!E
M8W1I=F5L>2P@86YD(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/CD\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^(&UI;&QI;VX@
M86YD(&YI;"!F;W(@=&AE(&YI;F4@;6]N=&AS(&5N9&5D(%-E<'1E;6)E<B`S
M,"P@,C`Q-"!A;F0@,C`Q,RP@<F5S<&5C=&EV96QY+"!F<F]M($%/0TD@=&\@
M96%R;FEN9W,@87,@82!C;VUP;VYE;G0@;V8@;SPO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[8V]L;W(Z(S`P,#`P,#LG(#YT:&5R(&5X<&5N<V5S+B!.;R!I;F5F9F5C
M=&EV96YE<W,@87-S;V-I871E9"!W:71H(&YE="!I;G9E<W1M96YT(&AE9&=E
M<R!W87,@<F5C;&%S<VEF:65D(&9R;VT@04]#22!I;G1O(&EN8V]M92!D=7)I
M;F<@=&AE(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#YT
M:')E92!A;F0@;FEN92!M;VYT:',@96YD960\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y397!T96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O
M;&]R.B,P,#`P,#`[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P
M,#`P,#`[)R`^,C`Q-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P
M,#LG(#X@86YD(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XR,#$S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/BX\
M+V9O;G0^/"]P/CPO9&EV/CQP('-T>6QE/3-$;&EN92UH96EG:'0Z,C!P=#L@
M+SX\9&EV/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT
M;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ-G!T.VQI;F4M:&5I9VAT.C$R<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[9F]N="UW96EG:'0Z8F]L9#MT97AT+61E8V]R871I;VXZ
M=6YD97)L:6YE.VUA<F=I;BUL969T.C!P=#MC;VQO<CHC,#`P,#`P.R<@/D1E
M<FEV871I=F5S($YO="!$97-I9VYA=&5D(&%S($AE9&=E<SPO9F]N=#X\+W`^
M/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[
M;6%R9VEN+6)O='1O;3HP<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#MM87)G:6XM;&5F=#HP<'0[8V]L;W(Z(S`P,#`P,#LG(#Y&;W(@:6YF
M;W)M871I;VX@;VX@9&5R:79A=&EV97,@;F]T(&1E<VEG;F%T960@87,@:&5D
M9V5S+"!R969E<B!T;R!.;W1E(#$R(&]N('!A9V4@.3`@;V8@=&AE($%N;G5A
M;"!297!O<G0N/"]F;VYT/CPO<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S
M=&EF>3ML:6YE+6AE:6=H=#HQ,RXX<'0[(#X\+W`^/'`@<W1Y;&4],T1T97AT
M+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HV
M<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F
M=#HP<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4:&4@9F]L;&]W:6YG('1A8FQE('-U
M;6UA<FEZ97,@=&AE(&EM<&%C="`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R
M.B,P,#`P,#`[)R`^;VX@<')E=&%X(&5A<FYI;F=S(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#YO9B!D97)I=F%T:79E<R!N;W0@9&5S
M:6=N871E9"!A<R!H961G97,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P
M,#`P,#`[)R`^+"!A<R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P
M,#`[)R`^<F5P;W)T960\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P
M,#`[)R`^(&]N('1H92!#;VYS;VQI9&%T960@4W1A=&5M96YT<R!O9B!);F-O
M;64\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^(&9O<B!T
M:&4@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/G1H<F5E
M(&%N9"!N:6YE(&UO;G1H<R!E;F1E9#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L
M;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P
M,#`P.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XZ/"]F;VYT/CPO<#X\+V1I=CX\<"!S='EL93TS1&QI;F4M
M:&5I9VAT.C(P<'0[("\^/&1I=CX\=&%B;&4@<W1Y;&4],T1B;W)D97(M8V]L
M;&%P<V4Z8V]L;&%P<V4[(#X\='(@/CQT9"!S='EL93TS1'=I9'1H.C$Q.2XR
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C$Q.2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F
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M<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR,C8N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N
M=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(V+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^4')E=&%X(&=A:6YS/"]F;VYT
M/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C$Q.2XR-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q
M.2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
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M:#HQ,#DN-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y&;W(@
M=&AE(%1H<F5E($UO;G1H<R!%;F1E9#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$-2!R;W=S
M<&%N/3-$,2!S='EL93TS1'=I9'1H.C$P.2XU<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,#DN-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y&;W(@=&AE($YI;F4@36]N=&AS($5N
M9&5D/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C$Q
M.2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$Q.2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
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M.D)L86-K.VUI;BUW:61T:#HQ,#DN-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y397!T96UB97(@,S`L/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0U
M(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3`Y+C5P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P.2XU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E<B`S
M,"P\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$Y
M+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,3$Y+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7-T>6QE.FET86QI
M8SMC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$U
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,34N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D(&-O;'-P86X],T0U(')O=W-P86X],T0Q('-T
M>6QE/3-$=VED=&@Z,3`Y+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P.2XU<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC
M;VQO<CHC,#`P,#`P.R<@/D%M;W5N=#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
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M96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,#DN-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y!;6]U;G0\+V9O;G0^/"]T
M9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$Y+C(U<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$Y
M+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/D1E<V-R:7!T
M:6]N(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7-T>6QE.FET86QI8SMC;VQO
M<CHC,#`P,#`P.R<@/B`H36EL;&EO;G,I/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C$Q-2XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3$U+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^26YC;VUE(%-T871E;65N="!,:6YE($ET96T\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O
M;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D(&-O
M;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-3%P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3%P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XR,#$T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4]
M,T1W:61T:#HU,7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HU,7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XR,#$S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y
M;&4],T1W:61T:#HU,7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HU,7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
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M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^/"]T9#X\+W1R
M/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$Y+C(U<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$Y+C(U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/DEN=&5R97-T(')A=&4@8V]N=')A
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M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^3W1H97(@97AP96YS97,\+V9O;G0^
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M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/C$\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/C$\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$Y
M+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,3$Y+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/D9O<F5I9VX@97AC:&%N9V4@8V]N=')A8W1S/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-'!T
M.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O
M;&]R.B,P,#`P,#`[)R`^*&$I/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C$Q-2XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,3$U+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[
M)R`^3W1H97(@97AP96YS97,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^
M)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/C(\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,C4@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S
M+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/C@T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,3`X(#PO9F]N
M=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,3DN,C5P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,3DN,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO
M9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N
M=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,34N-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q-2XU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/D-O<W0@;V8@0V%R9"!-96UB
M97(@<V5R=FEC97,@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
M.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
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M.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
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M.V-O;&]R.B,P,#`P,#`[)R`^-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CPO='(^/'1R
M(#X\=&0@<W1Y;&4],T1W:61T:#HQ,3DN,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,3DN,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C
M,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU
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M;W(Z(S`P,#`P,#LG(#XR/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/C(V/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^.#@\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P
M,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ,#D\
M+V9O;G0^/"]T9#X\+W1R/CPO=&%B;&4^/"]D:78^/'`@<W1Y;&4],T1L:6YE
M+6AE:6=H=#HR,'!T.R`O/CQD:78^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU
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M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-
M"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7SAC8S9C
M965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y80T*0V]N=&5N="U,;V-A
M=&EO;CH@9FEL93HO+R]#.B\X8V,V8V5E8U\T.3!B7S0R9CE?.#)D,%\V83(S
M,3%F-S<P.6$O5V]R:W-H965T<R]3:&5E=#$X+FAT;6P-"D-O;G1E;G0M5')A
M;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP
M93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@
M(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@
M8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@
M='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO
M="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\
M8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%344^
M#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X]
M,T0Q(')O=W-P86X],T0R/CQS=')O;F<^1F%I<B!686QU97,\8G(^/"]S=')O
M;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#$^
M.2!-;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q-#QB<CX\+W1H
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY&86ER(%9A
M;'5E("A$:7-C;&]S=7)E<RD@6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1F%I<B!686QU97,\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\9&EV/CQP('-T>6QE/3-$=&5X
M="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z-"XU<'0[;6%R9VEN+6)O='1O
M;3HP<'0[;&EN92UH96EG:'0Z,3$N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
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M=#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O
M<#HY<'0[;6%R9VEN+6)O='1O;3HP<'0[;&EN92UH96EG:'0Z,3$N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[=&5X="UD96-O<F%T:6]N
M.G5N9&5R;&EN93MM87)G:6XM;&5F=#HP<'0[8V]L;W(Z(S`P,#`P,#LG(#Y&
M:6YA;F-I86P@07-S971S(&%N9"!&:6YA;F-I86P@3&EA8FEL:71I97,@0V%R
M<FEE9"!A="!&86ER(%9A;'5E(#PO9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT
M+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HY<'0[;6%R9VEN+6)O='1O;3HP
M<'0[;&EN92UH96EG:'0Z,3$N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.VUA<F=I;BUL
M969T.C!P=#MC;VQO<CHC,#`P,#`P.R<@/D9O<B`\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,7!T.V-O;&]R.B,P,#`P,#`[)R`^:6YF;W)M871I;VX@86)O=70@=&AE(#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#Y#;VUP86YY)B,X
M,C$W.W,@=F%L=6%T:6]N(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P
M,#`P,#LG(#YT96-H;FEQ=65S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC
M,#`P,#`P.R<@/B!F;W(\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P
M,#`[)R`^(&9I;F%N8VEA;#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@87-S971S(&%N9"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R
M.B,P,#`P,#`[)R`^9FEN86YC:6%L(#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L
M;W(Z(S`P,#`P,#LG(#YL:6%B:6QI=&EE<R!M96%S=7)E9"!A="!F86ER('9A
M;'5E(&%N9"!T:&4@9F%I<B!V86QU92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O
M;&]R.B,P,#`P,#`[)R`^:&EE<F%R8VAY+"!R969E<B!T;R!.;W1E(#,@;VX@
M<&%G97,@-C@@)B,X,C$Q.R`W,"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R
M.B,P,#`P,#`[)R`^;V8@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P
M,#`P.R<@/G1H92!!;FYU86P@4F5P;W)T+B`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.V-O;&]R.B,P,#`P,#`[)R`^4F5F97(@=&\\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.V-O;&]R.B,P,#`P,#`[)R`^($YO=&4@,3(@;VX@<&%G97,@/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/C@W/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3$[(#DP/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B!O9B!T:&4@06YN=6%L(%)E<&]R
M="!F;W(@861D:71I;VYA;"!I;F9O<FUA=&EO;B!A8F]U="!T:&4@9F%I<B!V
M86QU92!O9B!T:&4@0V]M<&%N>28C.#(Q-SMS(&1E<FEV871I=F4@9FEN86YC
M:6%L(&EN<W1R=6UE;G1S+CPO9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L
M:6=N.FIU<W1I9GD[;&EN92UH96EG:'0Z,3$N-7!T.R`^/"]P/CQP('-T>6QE
M/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB
M;W1T;VTZ-G!T.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[;6%R
M9VEN+6QE9G0Z,'!T.V-O;&]R.B,P,#`P,#`[)R`^5&AE(&9O;&QO=VEN9R!T
M86)L92!S=6UM87)I>F5S('1H92!#;VUP86YY)B,X,C$W.W,@9FEN86YC:6%L
M(&%S<V5T<R!A;F0@9FEN86YC:6%L(&QI86)I;&ET:65S(&UE87-U<F5D(&%T
M(&9A:7(@=F%L=64@;VX@82!R96-U<G)I;F<@8F%S:7,L(&-A=&5G;W)I>F5D
M(&)Y($=!05`F(S@R,3<[<R!V86QU871I;VX@:&EE<F%R8VAY+"!A<R!O9B`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^4V5P=&5M8F5R
M(#,P/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/BP@/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^(&%N9"`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^1&5C96UB97(@,S$\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^+#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC
M;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R
M.B,P,#`P,#`[)R`^.CPO9F]N=#X\+W`^/"]D:78^/'`@<W1Y;&4],T1L:6YE
M+6AE:6=H=#HR,'!T.R`O/CQD:78^/'1A8FQE('-T>6QE/3-$8F]R9&5R+6-O
M;&QA<'-E.F-O;&QA<'-E.R`^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
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M>6QE/3-$=VED=&@Z.7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.CEP=#L@/CPO=&0^/'1D(&-O;'-P86X],T0Q,2!R;W=S
M<&%N/3-$,2!S='EL93TS1'=I9'1H.C$W-'!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3<T<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP
M=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT
M9"!C;VQS<&%N/3-$,3$@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ-S1P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C$W-'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$S
M/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,R!R;W=S<&%N
M/3-$,2!S='EL93TS1'=I9'1H.C$P-"XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P-"XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[9F]N="US='EL93II=&%L:6,[8V]L;W(Z(S`P,#`P,#LG(#XH
M36EL;&EO;G,I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP
M=#L@/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$
M=VED=&@Z,S8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,S8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P
M,#`P,#`[)R`^5&]T86P\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T
M>6QE/3-$=VED=&@Z,S8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S8N-S5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O
M;&]R.B,P,#`P,#`[)R`^3&5V96PF(S$V,#LQ/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z.7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HY<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P
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M="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/DQE=F5L(#(\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D(&-O;'-P
M86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,S8N-S5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S8N
M-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^3&5V96P@,SPO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T
M9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HS
M-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y4;W1A;#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O
M;G0^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W
M:61T:#HS-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y,979E;"8C,38P.S$\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HY<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q
M-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X]
M,T0Q('-T>6QE/3-$=VED=&@Z,S8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S8N-S5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V-O;&]R.B,P,#`P,#`[)R`^3&5V96P@,CPO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.CEP=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@8V]L<W!A;CTS1#(@
M<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HS-BXW-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-BXW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y,979E;"`S/"]F;VYT/CPO
M=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,R!R;W=S<&%N/3-$,2!S='EL
M93TS1'=I9'1H.C$P-"XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$P-"XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/D%S<V5T<SH\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,C@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HR."XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,C@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR."XU<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C@N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HR."XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,C@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR."XU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C@N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR
M."XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,C@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HR."XU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.CEP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX
M+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C@N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR."XU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,C@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
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M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^26YV
M97-T;65N="!S96-U<FET:65S.CPO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O
M;&]R.B,P,#`P,#`[)R`^*&$I/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE
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M,C@N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C(X+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C@N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P
M,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C(X+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C@N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(X+C5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C@N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C(X+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,C@N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HY<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^
M)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(X+C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,C@N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C(X+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C@N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P
M,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C(X+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C@N-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$
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M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^17%U:71Y('-E8W5R:71I97,\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HR."XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(X+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,2`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V
M,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR."XU<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(X
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#X@,2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z
M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HR."XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C(X+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P
M.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(X+C5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C@N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z.7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HY<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C
M,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HX+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR."XU<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(X+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#$R-"`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P
M,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(X+C5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,C@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,3(T
M(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,C@N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HR."XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC
M,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z.7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HY<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N
M,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HX+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B0\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR."XU<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(X+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O
M;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X
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M,#`P,#`[)R`^1&5B="!S96-U<FET:65S(&%N9"!O=&AE<CPO9F]N=#X\+W1D
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M:6XM=VED=&@Z,C@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/B`T+#<T.2`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M."XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C@N-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HR."XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^(#,T.2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HY<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HR."XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C(X+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-"PT,#`@/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z.7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HY<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
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M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@
M("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
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M=#MC;VQO<CHC,#`P,#`P.R<@/B`T+#@Y,B`\+V9O;G0^/"]T9#X\=&0@<W1Y
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M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`S,C`@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C(X+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C@N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#X@-"PU-S(@/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z.7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HY<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P
M.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C@N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(X+C5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,C@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X
M,C$S.R`@(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#,@
M<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#0N,C5P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,#0N,C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^1&5R:79A=&EV97,\
M+V9O;G0^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/BAA*3PO
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M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C@N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`X,C(@
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M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C@N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[
M("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR
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M;&]R.B,P,#`P,#`[)R`^(#@R,B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HY<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HR."XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(X+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HR."XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(X+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#<P,2`\+V9O;G0^/"]T9#X\=&0@<W1Y
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HY<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C
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M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-S`Q(#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HR."XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(X+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\+W1R
M/CQT<B`^/'1D(&-O;'-P86X],T0S(')O=W-P86X],T0Q('-T>6QE/3-$=VED
M=&@Z,3`T+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3`T+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P
M,#`P.R<@/E1O=&%L(&%S<V5T<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.CEP=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HY<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX
M+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(X+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C@N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B`U+#4W,B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR
M."XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C(X+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#X@,S4P(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.CEP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C@N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C(X+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,C@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`U+#(R,B`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^
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M>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X
M,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^
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M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#4L-S$W(#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HR."XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C(X+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[
M)R`^(#0T-"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C@N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR."XU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`U+#(W,R`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,C@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HR."XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P
M.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS
M<&%N/3-$,R!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$P-"XR-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P-"XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/DQI86)I;&ET:65S.CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.CEP=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HY<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(X+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C@N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T
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M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,C@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HR."XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.CEP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C@N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C(X+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C@N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C@N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR."XU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR
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M9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C(X+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C@N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C@N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
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M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^1&5R:79A=&EV97,\+V9O;G0^
M/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/BAA*3PO9F]N=#X\
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M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C@N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`R-#8@/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E
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M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HY<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HR."XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C(X+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,C0V(#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(X+C5P=#MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C@N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HY<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C
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M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,C$S(#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HR."XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(X+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P
M,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P
M,#`P.R<@/B`R,3,@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HY<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C
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M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@
M(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#,@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#0N,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,#0N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P@;&EA8FEL:71I97,\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T
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M.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,C0V(#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B8C
M,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HX+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(X
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,C@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z.7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HY<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C@N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR."XU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M(#(T-B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
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M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.CEP=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,C@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HR."XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/B`R,3,@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P
M.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\
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M.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P
M,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(X+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,C@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,C$S
M(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,C@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HR."XU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO
M<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/"]T<CX\+W1A
M8FQE/CPO9&EV/CQP('-T>6QE/3-$;&EN92UH96EG:'0Z,C!P=#L@+SX\9&EV
M/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VQI;F4M:&5I9VAT.C$R
M<'0[(#X\+W`^/'5L/CQL:2!S='EL93TS1&QI<W0M<W1Y;&4Z;&]W97(M86QP
M:&$[=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z-G!T.VUA<F=I;BUB
M;W1T;VTZ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^4F5F97(@=&\@3F]T92`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[)R`^-2`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^9F]R
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M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^(#PO9F]N=#X\+VQI
M/CPO=6P^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;&EN92UH96EG
M:'0Z,3)P=#L@/CPO<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM
M87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C9P=#ML:6YE+6AE:6=H=#HQ
M,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[=&5X="UD96-O
M<F%T:6]N.G5N9&5R;&EN93MM87)G:6XM;&5F=#HP<'0[)R`^1FEN86YC:6%L
M($%S<V5T<R!A;F0@1FEN86YC:6%L($QI86)I;&ET:65S($-A<G)I960@870@
M3W1H97(@5&AA;B!&86ER(%9A;'5E/"]F;VYT/CPO<#X\<"!S='EL93TS1'1E
M>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M
M.C!P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
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M;'5E+"!R969E<B!T;R!.;W1E(#,@;VX@<&%G97,@-S`@)B,X,C$Q.R`W,2!O
M9B!T:&4@06YN=6%L(%)E<&]R="X@/"]F;VYT/CPO<#X\<"!S='EL93TS1'1E
M>'0M86QI9VXZ:G5S=&EF>3ML:6YE+6AE:6=H=#HQ,G!T.R`^/"]P/CQP('-T
M>6QE/3-$=&5X="UA;&EG;CIL969T.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB
M;W1T;VTZ,'!T.VQI;F4M:&5I9VAT.C$R<'0[(#X\+W`^/"]D:78^/'`@<W1Y
M;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O/CQD:78^/'`@<W1Y;&4],T1T97AT
M+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HP
M<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F
M=#HP<'0[)R`^5&AE(&9O;&QO=VEN9R!T86)L92!D:7-C;&]S97,@=&AE(&5S
M=&EM871E9"!F86ER(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^=F%L=64@9F]R
M('1H92!#;VUP86YY)B,X,C$W.W,@9FEN86YC:6%L(&%S<V5T<R!A;F0@9FEN
M86YC:6%L(&QI86)I;&ET:65S('1H870@87)E(&YO="`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.R<@/G)E<75I<F5D('1O(&)E(#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[
M)R`^8V%R<FEE9"!A="!F86ER('9A;'5E/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG
M(#X@;VX@82!R96-U<G)I;F<@8F%S:7,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@
M/BP@87,@;V8@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#Y397!T96UB97(@,S`\
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M)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^+B`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.R<@/E1H92!F86ER('9A;'5E<R!O9B!T:&5S92!F:6YA;F-I86P@
M:6YS=')U;65N=',@87)E(&5S=&EM871E<R!B87-E9"`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.R<@/G5P;VX@=&AE(&UA<FME="!C;VYD:71I;VYS(&%N9"!P97)C
M96EV960@<FES:W,@87,@;V8@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#Y397!T
M96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
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M:7IE.C$Q<'0[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^+"!A;F0@
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M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3<V+C(U<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3<V+C(U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/D-A<G)Y:6YG/"]F;VYT/CPO=&0^/'1D(&-O
M;'-P86X],T0Q(')O=W-P86X],T0R('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\
M+W1D/CQT9"!C;VQS<&%N/3-$,3`@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T
M:#HR,#(N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,C`R+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#Y#;W)R97-P;VYD:6YG($9A:7(@5F%L
M=64@06UO=6YT/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$
M-"!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$Y-7!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Y-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/C(P,30@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M<W1Y;&4Z:71A;&EC.V-O
M;&]R.B,P,#`P,#`[)R`^*$)I;&QI;VYS*3PO9F]N=#X\+W1D/CQT9"!S='EL
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M.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/E9A;'5E/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[
M)R`^5&]T86P\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y,979E;"`Q/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C,W+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y,979E;"`R/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
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M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^3&5V96P@,SPO9F]N=#X\+W1D
M/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#0@<F]W<W!A;CTS1#$@<W1Y;&4]
M,T1W:61T:#HQ.35P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ.35P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#Y&:6YA;F-I86P@07-S971S.CPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
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M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
M.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
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M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
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M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M-RXU<'0[(#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,RXW-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#,@<F]W<W!A;CTS1#$@
M<W1Y;&4],T1W:61T:#HQ.3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ.3$N,C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V-O;&]R.B,P,#`P,#`[)R`^1FEN86YC:6%L(&%S<V5T<R!F;W(@=VAI8V@@
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M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N
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M=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
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M<CHC,#`P,#`P.R<@/F5Q=6%L(&]R(&%P<')O>&EM871E(&9A:7(@=F%L=64\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
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M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\
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M:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
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M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C$W-BXR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$W-BXR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y#87-H(&%N9"!C87-H(&5Q=6EV86QE;G1S/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,C$@/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0@/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#(Q(#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)"`\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@
M,C`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0@/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M(#$@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N
M,C5P=#L@/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XH82D\
M+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XD(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT
M9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3<V+C(U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3<V+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/D]T
M:&5R(&9I;F%N8VEA;"!A<W-E=',\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC
M;VQO<CHC,#`P,#`P.R<@/BAB*3PO9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL
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M;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#0X(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#XD(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z
M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`T."`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z
M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0@/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^
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M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)"`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-#@@/"]F;VYT
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M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)"`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X
M,C$S.R`@(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T
M:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#,@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HQ.3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ.3$N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^1FEN86YC:6%L(&%S<V5T<R!C87)R
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M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N
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M:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\+W1D/CPO='(^/'1R(#X\
M=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y
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M9'1H.C$W-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y,
M;V%N<RP@;F5T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V
M,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#X@-C8@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
M.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/B0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^(#8V(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,3$N,C5P=#L@/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XH8RD\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#XD(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z
M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD(#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`V
M-B`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,RXW
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ-S8N,C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-S8N,C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
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M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T
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M.C$Y-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/D9I;F%N8VEA;"!,:6%B:6QI=&EE<SH\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP
M=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V
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M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T
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M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z,RXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,N-S5P=#L@/CPO=&0^/'1D
M(&-O;'-P86X],T0S(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3DQ+C(U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3DQ+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/D9I
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M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@
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M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^
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M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/F5Q
M=6%L(&]R(&%P<')O>&EM871E(&9A:7(@=F%L=64\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`V,"`\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)"`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-C`@/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD(#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0@/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#8P
M(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE
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M9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/D9I;F%N8VEA;"!L:6%B
M:6QI=&EE<R!C87)R:65D(&%T(&]T:&5R('1H86X\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
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M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG
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M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\+W1R/CQT<B`^
M/'1D('-T>6QE/3-$=VED=&@Z,RXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,N-S5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$
M,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$X,RXW-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$X,RXW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@9F%I<B!V86QU93PO
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M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
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M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@
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M=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT
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M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ-S8N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ-S8N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^0V5R=&EF:6-A=&5S(&]F(&1E<&]S:70\+V9O;G0^/'-U<#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/BAD*3PO9F]N=#X\+W-U<#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#<@/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP
M=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0@/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#<@/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD(#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R
M,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^(#<@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^)"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@
M<W1Y;&4],T1W:61T:#HS+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y
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M8VL[;6EN+7=I9'1H.C$W-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y,;VYG+71E<FT@9&5B=#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$Q+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#4V(#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#4X
M(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N
M,C5P=#L@/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XH8RD\
M+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XD(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P
M=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T
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M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-3@@/"]F;VYT/CPO
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M.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)"`\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4]
M,T1W:61T:#HS+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C([8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
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M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HR.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$W-BXR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HR.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HR.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HR.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,CMB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C([8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMB;W)D
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M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,CMB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
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M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,CMB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HR.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.V)O<F1E<BUT;W`M
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M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C$W-BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$W-BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V-O;&]R.B,P,#`P,#`[)R`^0V%R<GEI;F<\+V9O;G0^/"]T9#X\=&0@8V]L
M<W!A;CTS1#$@<F]W<W!A;CTS1#(@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
M/"]T9#X\=&0@8V]L<W!A;CTS1#$P(')O=W-P86X],T0Q('-T>6QE/3-$=VED
M=&@Z,C`R+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C(P,BXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P
M,#`P.R<@/D-O<G)E<W!O;F1I;F<@1F%I<B!686QU92!!;6]U;G0\+V9O;G0^
M/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0T(')O=W-P86X],T0Q('-T
M>6QE/3-$=VED=&@Z,3DU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3DU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO
M<CHC,#`P,#`P.R<@/C(P,3,@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M<W1Y
M;&4Z:71A;&EC.V-O;&]R.B,P,#`P,#`[)R`^*$)I;&QI;VYS*3PO9F]N=#X\
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M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y686QU93PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^5&]T
M86P\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y,979E;"`Q/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y,979E
M;"`R/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
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M.7!T.V-O;&]R.B,P,#`P,#`[)R`^3&5V96P@,SPO9F]N=#X\+W1D/CPO='(^
M/'1R(#X\=&0@8V]L<W!A;CTS1#0@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T
M:#HQ.35P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ.35P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#Y&:6YA;F-I86P@07-S971S.CPO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C0U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE
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M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
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M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\+W1D
M/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^
M/"]T9#X\=&0@8V]L<W!A;CTS1#,@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T
M:#HQ.3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ.3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^1FEN86YC:6%L(&%S<V5T<R!F;W(@=VAI8V@@8V%R<GEI;F<@=F%L
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M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q
M+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C,W+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\
M+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^
M/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3@S
M+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,3@S+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/F5Q=6%L(&]R(&%P<')O>&EM871E(&9A:7(@=F%L=64\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[
M)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X
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M<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
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M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\+W1D/CPO='(^
M/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C$W-BXR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$W-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y#87-H(&%N9"!C87-H(&5Q=6EV86QE;G1S/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P
M,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0U<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`Q.2`\+V9O
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M;VQO<CHC,#`P,#`P.R<@/B0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P
M.R<@/B`Q.2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XD(#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,3<@/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XD
M(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,B`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/'-U<#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/BAA*3PO9F]N=#X\+W-U<#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XD(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@
M<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M.C$W-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/=&AE
M<B!F:6YA;F-I86P@87-S971S/"]F;VYT/CQS=7`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XH8BD\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#0X(#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P
M,#`P,#`[)R`^)"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#0X
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M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B0@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO
M<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XD
M(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-#@@/"]F;VYT/CPO
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M;VQO<CHC,#`P,#`P.R<@/B0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P
M.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL
M93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$
M,R!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$Y,2XR-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Y,2XR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y&:6YA;F-I86P@87-S
M971S(&-A<G)I960@870@;W1H97(@=&AA;B!F86ER('9A;'5E/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\
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M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
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M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X
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M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\+W1R
M/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,RXW-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,N-S5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ-S8N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ-S8N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^3&]A;G,L(&YE=#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[
M)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B0\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-C<@/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO
M<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XD(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-C<@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T
M.R`^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/BAC*3PO9F]N
M=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XD(#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[
M)R`^)"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@
M("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)"`\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O
M;&]R.B,P,#`P,#`[)R`^(#8W(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@
M<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M.C$W-BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q
M+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
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M,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
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M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^
M/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0T(')O=W-P86X],T0Q('-T
M>6QE/3-$=VED=&@Z,3DU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3DU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^1FEN86YC:6%L($QI86)I;&ET
M:65S.CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N
M,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO
M<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^
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M,RXW-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#,@<F]W<W!A;CTS1#$@<W1Y
M;&4],T1W:61T:#HQ.3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ.3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O
M;&]R.B,P,#`P,#`[)R`^1FEN86YC:6%L(&QI86)I;&ET:65S(&9O<B!W:&EC
M:"!C87)R>6EN9R!V86QU97,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
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M.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
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M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,S<N-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z
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M;W(Z0FQA8VL[;6EN+7=I9'1H.C$X,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L
M;W(Z(S`P,#`P,#LG(#YE<75A;"!O<B!A<'!R;WAI;6%T92!F86ER('9A;'5E
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P
M,#`P.R<@/B`V,"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[
M)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B0@/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`V,"`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XD(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S
M.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)"`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^(#8P(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C$Q+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XD(#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N
M=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW
M-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#,@<F]W<W!A;CTS1#$@<W1Y;&4]
M,T1W:61T:#HQ.3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ.3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^1FEN86YC:6%L(&QI86)I;&ET:65S(&-A<G)I960@870@
M;W1H97(@=&AA;B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T
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M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
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M<CHC,#`P,#`P.R<@/F9A:7(@=F%L=64\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
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M=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@
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M<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[
M)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-S8N,C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-S8N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^0V5R=&EF:6-A=&5S(&]F
M(&1E<&]S:70\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P
M.R<@/BAD*3PO9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q
M+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^
M)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-R`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P
M,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P
M.R<@/B0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`X(#PO9F]N
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M=#MC;VQO<CHC,#`P,#`P.R<@/B0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P
M,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XD(#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@."`\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P
M,#`P,#`[)R`^)"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^("8C
M.#(Q,SL@("`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED
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M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-S8N,C5P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ-S8N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^3&]N
M9RUT97)M(&1E8G0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
M-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XD
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#4U(#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C,W+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@-3@@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N
M,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,2XR-7!T.R`^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P
M,#`P.R<@/BAC*3PO9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XD(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S
M.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-3@@/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M,#`P,#`P.R<@/B0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N
M-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/"]T<CX\+W1A8FQE/CPO9&EV/CQP
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M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^-BXR/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.R<@/B!B:6QL:6]N(&%N9"`\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[)R`^)#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#XW+C,\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[)R`^(&)I;&QI;VX@:&5L9"!B>2!C;VYS;VQI9&%T960@5DE%<R!A
M<R!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^4V5P=&5M8F5R(#,P/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.R<@/BP@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/C(P,30\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[)R`^(&%N9"!$96-E;6)E<B`S,2P@/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.R<@/C(P,3,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^+"!R
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M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^(&)I;&QI;VX@86YD
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#LG(#XD/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@
M/C,Q+C`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^(&)I;&QI;VXL(&%N9"!L;VYG
M+71E<FT@9&5B="!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^)#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#LG(#XQ-2XV/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/B!B:6QL
M:6]N(&%N9"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^)#PO9F]N=#X\9F]N="!S
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M.'!T.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#XL/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.'!T.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^,C`Q
M-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#LG(#X@86YD($1E8SPO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#LG(#YE;6)E<B`S,2P@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/C(P,3,\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[)R`^+"!R97-P96-T:79E;'DN/"]F;VYT/CPO
M;&D^/&QI('-T>6QE/3-$;&ES="US='EL93IL;W=E<BUA;'!H83MT97AT+6%L
M:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HR<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#LG(#Y0<F5S96YT960@87,@82!C;VUP;VYE;G0@;V8@
M8W5S=&]M97(@9&5P;W-I=',@;VX@=&AE($-O;G-O;&ED871E9"!"86QA;F-E
M(%-H965T<RX@/"]F;VYT/CPO;&D^/"]U;#X\<"!S='EL93TS1'1E>'0M86QI
M9VXZ:G5S=&EF>3ML:6YE+6AE:6=H=#HQ,G!T.R`^/"]P/CQP('-T>6QE/3-$
M=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T
M;VTZ-G!T.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[9F]N="UW
M96EG:'0Z8F]L9#MT97AT+61E8V]R871I;VXZ=6YD97)L:6YE.VUA<F=I;BUL
M969T.C!P=#LG(#Y.;VYR96-U<G)I;F<@1F%I<B!686QU92!-96%S=7)E;65N
M=',\+V9O;G0^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA
M<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,3!P=#ML:6YE+6AE:6=H=#HQ
M,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
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M92!I9B!D971E<FUI;F5D('1O(&)E(&EM<&%I<F5D+B`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.R<@/D1U<FEN9R!T:&4@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YN
M:6YE(&UO;G1H<R!E;F1E9#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#LG(#XL(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^,C`Q-#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[)R`^(&%N9"!D=7)I;F<@=&AE('EE87(@96YD960@1&5C
M96UB97(@,S$L(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^,C`Q,SPO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[)R`^+"!T:&4@0V]M<&%N>2!D:60@;F]T(&@\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,7!T.R<@/F%V92!A;GD@;6%T97)I86P@:6UP86ER960@87-S
M971S('1H870@=V5R92!R97%U:7)E9"!T;R!B92!M96%S=7)E9"!A="!F86ER
M('9A;'5E+CPO9F]N=#X\+W`^/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-
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M=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H
M='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL
M.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I
M<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N
M="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L
M87-S/3-$<F5P;W)T(&ED/3-$240P14U%/@T*("`@("`@/'1R/@T*("`@("`@
M("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R
M;VYG/D=U87)A;G1E97,\8G(^/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H
M(&-L87-S/3-$=&@@8V]L<W!A;CTS1#$^.2!-;VYT:',@16YD960\+W1H/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$
M=&@^4V5P+B`S,"P@,C`Q-#QB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^/'-T<F]N9SY'=6%R86YT965S(%M!8G-T<F%C=%T\+W-T<F]N
M9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D=U87)A;G1E
M97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\9&EV/CQP('-T
M>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I
M;BUB;W1T;VTZ.7!T.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[
M9F]N="UW96EG:'0Z8F]L9#MM87)G:6XM;&5F=#HM,C`N,35P=#LG(#X@("`Q
M,#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[9F]N="UW96EG:'0Z8F]L9#LG(#XN($=U
M87)A;G1E97,@/"]F;VYT/CPO<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S
M=&EF>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C!P=#ML:6YE+6AE
M:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^+CPO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[)R`^(#PO9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT
M+6%L:6=N.FIU<W1I9GD[;&EN92UH96EG:'0Z,3)P=#L@/CPO<#X\<"!S='EL
M93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM
M8F]T=&]M.C!P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.VUA
M<F=I;BUL969T.C!P=#LG(#Y);B!R96QA=&EO;B!T;R!I=',@;6%X:6UU;2!P
M;W1E;G1I86P@=6YD:7-C;W5N=&5D(#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^
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M<'0[)R`^+CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^($EN(&%D9&ET:6]N+"!T
M:&4@0V]M<&%N>2!E<W1A8FQI<VAE<R!R97-E<G9E<R!W:&5N(&$@;&]S<R!I
M<R!P<F]B86)L92!A;F0@=&AE(&%M;W5N="!C86X@8F4@<F5A<V]N86)L>2!E
M<W1I;6%T960N/"]F;VYT/CPO<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S
M=&EF>3ML:6YE+6AE:6=H=#HQ,G!T.R`^/"]P/CQP('-T>6QE/3-$=&5X="UA
M;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ-G!T
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M+7-I>F4Z,3%P=#LG(#Y397!T96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.R<@/BP@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#XR,#$T/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3%P=#LG(#X@86YD($1E8V5M8F5R(#,Q+"`\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,7!T.R<@/C(P,3,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/CH@/"]F;VYT/CPO
M<#X\+V1I=CX\<"!S='EL93TS1&QI;F4M:&5I9VAT.C(P<'0[("\^/&1I=CX\
M=&%B;&4@<W1Y;&4],T1B;W)D97(M8V]L;&%P<V4Z8V]L;&%P<V4[(#X\='(@
M/CQT9"!S='EL93TS1'=I9'1H.C(T,"XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(T,"XW-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
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M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^36%X:6UU;2!P;W1E
M;G1I86P\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U
M<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$-2!R;W=S<&%N/3-$,2!S='EL93TS
M1'=I9'1H.C$P-BXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,#8N-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T
M>6QE/3-$=VED=&@Z,C0P+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,C0P+C<U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D(&-O;'-P86X]
M,T0U(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3`V+C5P=#MT97AT+6%L
M:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P-BXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@=6YD:7-C;W5N
M=&5D(&9U='5R93PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E
M>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA
M;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG
M;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY+C<U<'0[=&5X="UA;&EG;CIC
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M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\
M+W1D/CQT9"!C;VQS<&%N/3-$-2!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H
M.C$P-BXU<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,#8N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^<&%Y;65N=',\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XH82D\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$-2!R
M;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$P-BXU<'0[=&5X="UA;&EG;CIC
M96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,#8N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^4F5L871E9"!L:6%B:6QI
M='D\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XH
M8BD\+V9O;G0^/"]S=7`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED
M=&@Z,C0P+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,C0P+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0U(')O=W-P
M86X],T0Q('-T>6QE/3-$=VED=&@Z,3`V+C5P=#MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.F-E
M;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P-BXU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[9F]N="US='EL93II=&%L:6,[8V]L;W(Z(S`P,#`P,#LG
M(#XH0FEL;&EO;G,I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N
M,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS
M1#$@<W1Y;&4],T1W:61T:#HQ,#8N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`V+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MF;VYT+7-T>6QE.FET86QI8SMC;VQO<CHC,#`P,#`P.R<@/BA-
M:6QL:6]N<RD\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED
M=&@Z,C0P+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,C0P+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y4>7!E(&]F($=U87)A;G1E93PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D(&-O;'-P
M86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-#AP=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^,C`Q-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N
M,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C
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M8V]L;W(Z(S`P,#`P,#LG(#XR,#$S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D(&-O;'-P86X]
M,T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-#AP=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M,C`Q-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P
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M;W(Z(S`P,#`P,#LG(#XR,#$S/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S
M='EL93TS1'=I9'1H.C(T,"XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C(T,"XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^0V%R9"!A;F0@=')A=F5L(&]P97)A=&EO;G,\+V9O
M;G0^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XH8RD\+V9O
M;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M(#0T(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N
M,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C
M,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CDN-S5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY+C<U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XT-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#0S(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.CDN-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HY+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@.#@@/"]F
M;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C(T,"XW-7!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C(T,"XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M3W1H97(\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XH9"D\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
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M,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#X@,2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ
M,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY
M+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z.2XW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
M/C$\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V
M,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^(#<Q(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C
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M=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#<S
M(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HR-#`N
M-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HR-#`N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
M/E1O=&%L/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/B`T-2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HY+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z.2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^-#4\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/B`Q,30@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N
M,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M.2XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.CDN-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
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M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C$V,3PO9F]N=#X\
M+W1D/CPO='(^/"]T86)L93X\+V1I=CX\<"!S='EL93TS1&QI;F4M:&5I9VAT
M.C(P<'0[("\^/&1I=CX\=6P^/&QI('-T>6QE/3-$;&ES="US='EL93IL;W=E
M<BUA;'!H83MT97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HV<'0[;6%R
M9VEN+6)O='1O;3HR<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
M/E)E<')E<V5N=',@=&AE(&YO=&EO;F%L(&%M;W5N=',@/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^=&AA="!C;W5L9"!B92!L;W-T('5N
M9&5R('1H92!G=6%R86YT965S(&%N/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^9"!I;F1E;6YI9FEC871I;VYS(&EF('1H97)E('=E<F4\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@82!T;W1A;"!D
M969A=6QT(&)Y('1H92!G=6%R86YT965D('!A<G1I97,\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XN/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^(%1H92!M87AI;75M('!O=&5N=&EA;"!U;F1I<V-O
M=6YT960@9G5T=7)E('!A>6UE;G1S(&9O<B!-97)C:&%N="!0<F]T96-T:6]N
M(&%R92!M96%S=7)E9"!U<VEN9R!M86YA9V5M96YT)B,X,C$W.W,@8F5S="!E
M<W1I;6%T92!O9B!M87AI;75M(&5X<&]S=7)E(&)A<V5D(&]N(&%L;"!E;&EG
M:6)L92!C;&%I;7,@:6X@<F5L871I;VX@=&\@86YN=6%L(&)I;&QE9"!B=7-I
M;F5S<R!V;VQU;65S+B`\+V9O;G0^/"]L:3X\;&D@<W1Y;&4],T1L:7-T+7-T
M>6QE.FQO=V5R+6%L<&AA.W1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P
M.C!P=#MM87)G:6XM8F]T=&]M.C)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P
M,#`P,#`[)R`^26YC;'5D960@:6X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^;W1H97(@;&EA8FEL:71I97,@;VX@=&AE(#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/D-O;7!A;GDF(S@R,3<[<R!#
M;VYS;VQI9&%T960@0F%L86YC92!3:&5E=',N(#PO9F]N=#X\+VQI/CQL:2!S
M='EL93TS1&QI<W0M<W1Y;&4Z;&]W97(M86QP:&$[=&5X="UA;&EG;CIJ=7-T
M:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,G!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y0<FEM87)I;'D@:6YC;'5D97,@4F5T
M=7)N(%!R;W1E8W1I;VX@86YD($UE<F-H86YT(%!R;W1E8W1I;VX\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XN/"]F;VYT/CPO;&D^/&QI
M('-T>6QE/3-$;&ES="US='EL93IL;W=E<BUA;'!H83MT97AT+6%L:6=N.FIU
M<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HR<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/E!R:6UA<FEL>2!I;F-L=61E<R!G
M=6%R86YT965S(')E;&%T960@=&\@=&AE($-O;7!A;GDF(S@R,3<[<R!B=7-I
M;F5S<R!D:7-P;W-I=&EO;G,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XL(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
M/G)E86P@97-T871E/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^(&%N9"!J;VEN="!V96YT=7)E<RX\+V9O;G0^/"]L:3X\+W5L/CPO9&EV
M/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A8FQE
M/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?.&-C
M-F-E96-?-#DP8E\T,F8Y7S@R9#!?-F$R,S$Q9C<W,#EA#0I#;VYT96YT+4QO
M8V%T:6]N.B!F:6QE.B\O+T,Z+SAC8S9C965C7S0Y,&)?-#)F.5\X,F0P7S9A
M,C,Q,68W-S`Y82]7;W)K<VAE971S+U-H965T,C`N:'1M;`T*0V]N=&5N="U4
M<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N="U4
M>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M;#X-
M"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP
M92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP
M="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@
M3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@
M(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$,$5-
M13X-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A
M;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY#:&%N9V5S(&EN($%C8W5M=6QA
M=&5D($]T:&5R($-O;7!R96AE;G-I=F4@*$QO<W,I($EN8V]M93QB<CX\+W-T
M<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$
M,3XY($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$T/&)R/CPO
M=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D1I<V-L
M;W-U<F4@5&5X="!";&]C:R!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#:&%N9V5S($EN($%C8W5M=6QA
M=&5D($]T:&5R($-O;7!R96AE;G-I=F4@*$QO<W,I($EN8V]M93PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQD:78^/'`@<W1Y;&4],T1T97AT
M+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HT+C5P=#MM87)G:6XM8F]T=&]M
M.CEP=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I
M9VAT.F)O;&0[;6%R9VEN+6QE9G0Z+3$Y+C0U<'0[)R`^,3$\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[)R`^+B!#:&%N9V5S($EN($%C
M8W5M=6QA=&5D($]T:&5R($-O;7!R96AE;G-I=F4@*$QO<W,I($EN8V]M93PO
M9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN
M+71O<#HP<'0[;6%R9VEN+6)O='1O;3HP<'0[;&EN92UH96EG:'0Z,3)P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F=#HP<'0[)R`^04]#22!I<R!C;VUP
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M(&]F($%/0TD@9F]R('1H92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/G1H<F5E
M(&%N9"!N:6YE(&UO;G1H<R!E;F1E9#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3%P=#LG(#XL(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^,C`Q-#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$Q<'0[)R`^(&%N9"`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.R<@/C(P,3,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.R<@/G=E<F4\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B!A<R!F;VQL
M;W=S.CPO9F]N=#X\+W`^/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR
M,'!T.R`O/CQD:78^/'1A8FQE('-T>6QE/3-$8F]R9&5R+6-O;&QA<'-E.F-O
M;&QA<'-E.R`^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HR,CDN-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R.2XU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^1F]R('1H92!4
M:')E92!-;VYT:',@16YD960@4V5P=&5M8F5R(#,P+"`R,#$T(#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C<N-7!T.V9O;G0M<W1Y;&4Z:71A;&EC.V-O;&]R.B,P,#`P,#`[
M)R`^*$UI;&QI;VYS*3PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P
M,#`[)R`^+"!N970@;V8@=&%X/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$
M,2!S='EL93TS1'=I9'1H.C4X+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MC;VQO<CHC,#`P,#`P.R<@/DYE="!5;G)E86QI>F5D($=A:6YS("A,;W-S
M97,I(&]N($EN=F5S=&UE;G0@4V5C=7)I=&EE<SPO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@
M<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HU.2XR-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU.2XR-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/D9O<F5I9VX@0W5R<F5N
M8WD@5')A;G-L871I;VX@061J=7-T;65N=',\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0R(')O
M=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-30N-S5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-30N-S5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@56YR96%L:7IE9"!0
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M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC
M,#`P,#`P.R<@/D%C8W5M=6QA=&5D($]T:&5R($-O;7!R96AE;G-I=F4@*$QO
M<W,I($EN8V]M93PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W
M:61T:#HR,CDN-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C(R.2XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#Y"86QA;F-E<R!A<R!O9B!*=6YE
M(#,P+"`R,#$T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-"XU<'0[(#X\9F]N="!S='EL93TS1&9O;G0M9F%M:6QY.D-A;&EB<FD[9F]N
M="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[(#XF(S$V,#LF(S$V,#L\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-"XW-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(T+C<U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT
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M-7!T.V-O;&]R.B,P,#`P,#`[)R`^(#$P-2`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,C4N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C(U+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#$L
M,3$X*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HR.2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR.2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MC;VQO<CHC,#`P,#`P.R<@/B`H,S4X*3PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HR-2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C4N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P
M.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,W!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,W!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`H,2PS-S$I/"]F
M;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C(R.2XU<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(Y
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@=6YR
M96%L:7IE9"!G86EN<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I
M.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C0N-S5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-"XW-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#(@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C(U+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
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M.F)O;&0[8V]L;W(Z(S`P,#`P,#L@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C(U+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HR-2XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C(Y+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C(Y+C(U<'0[(#X\9F]N="!S='EL93TS1&9O;G0M9F%M:6QY.D-A
M;&EB<FD[9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#L@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(U
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
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M="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#X@,B`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z
M,C(Y+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HR,CDN-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P
M.R<@/DEN8W)E87-E("AD96-R96%S92D@9'5E('1O(&%M;W5N=',@<F5C;&%S
M<VEF:65D(&EN=&\@96%R;FEN9W,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$9F]N="UF86UI;'DZ
M0V%L:6)R:3MF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#L@/B8C,38P
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M,#`P,#`P.R<@/B`H,3,I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
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M86X[9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#X@,2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P
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M-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R`^("8C.#(Q
M,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT
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M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`H,3(I/"]F
M;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C(R.2XU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,C(Y+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@
M=')A;G-L871I;VX@*&QO<W,I(&]F(&EN=F5S=&UE;G1S(&EN(&9O<F5I9VX@
M;W!E<F%T:6]N<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R`^)B,Q-C`[)B,Q-C`[/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C0N-S5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-"XW-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O
M;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ93HW+C5P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[(#X@)B,X,C$S.R`@
M(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("@T,30I
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M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#L@/B`F(S@R,3,[("`@/"]F;VYT
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M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@*#0Q-"D\+V9O;G0^/"]T9#X\
M+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,C(Y+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,CDN-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/DYE="`H;&]S<V5S*2!R
M96QA=&5D('1O(&AE9&=E<R!O9B!I;G9E<W1M96YT(&EN(&9O<F5I9VX@;W!E
M<F%T:6]N<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N
M-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M
M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C0N-S5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-"XW-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@
M<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[(#X@)B,X,C$S.R`@(#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS,RXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#(T-B`\+V9O
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M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T
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M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`R-#8@/"]F;VYT/CPO=&0^/"]T<CX\
M='(@/CQT9"!S='EL93TS1'=I9'1H.C(R.2XU<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(Y+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y096YS:6]N(&%N9"!O=&AE
M<B!P;W-T<F5T:7)E;65N="!B96YE9FET(&=A:6YS/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1&9O
M;G0M9F%M:6QY.D-A;&EB<FD[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P
M,#`[(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M8V]L;W(Z(S`P,#`P,#L@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T
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M8V]L;W(Z(S`P,#`P,#L@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T
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M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-R`\+V9O;G0^/"]T9#X\=&0@
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M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`W(#PO9F]N=#X\+W1D/CPO='(^/'1R
M(#X\=&0@<W1Y;&4],T1W:61T:#HR,CDN-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R.2XU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^3F5T(&-H86YG92!I;B!A8V-U;75L
M871E9"!O=&AE<B!C;VUP<F5H96YS:79E("AL;W-S*2!I;F-O;64@/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S
M='EL93TS1&9O;G0M9F%M:6QY.D-A;&EB<FD[9F]N="US:7IE.C<N-7!T.V-O
M;&]R.B,P,#`P,#`[(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HR-"XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
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M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@*#$Q*3PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HR-2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("@Q-C<I/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C(U+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
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M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-R`\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,C4N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C(U+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,S-P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,S-P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/B`H,3<Q*3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\
M=&0@<W1Y;&4],T1W:61T:#HR,CDN-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R.2XU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N
M-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#Y"86QA;F-E
M<R!A<R!O9B!397!T96UB97(@,S`L(#(P,30\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$9F]N
M="UF86UI;'DZ0V%L:6)R:3MF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P
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M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#DT(#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HR-2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D
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M.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@*#$L
M,C@U*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(Y+C(U<'0[8F]R
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M(S`P,#`P,#LG(#X@*#,U,2D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C4N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C(U+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS,W!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS,W!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^("@Q+#4T,BD\+V9O;G0^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z,C(Y+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,CDN-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,CMB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,C0N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,CMB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HR-"XW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,CMB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C4N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HR.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C(U+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
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M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMB;W)D97(M8F]T=&]M+7-T>6QE
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M='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HR.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HR-2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C([8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M,W!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS,W!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z
M,C(Y+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HR,CDN-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P
M.R<@/D9O<B!T:&4@3FEN92!-;VYT:',@16YD960@4V5P=&5M8F5R(#,P+"`R
M,#$T/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="US='EL93II=&%L:6,[8V]L
M;W(Z(S`P,#`P,#LG(#X@*$UI;&QI;VYS*3PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T
M.V-O;&]R.B,P,#`P,#`[)R`^+"!N970@;V8@=&%X/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$
M,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C4X+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/DYE="!5;G)E86QI>F5D
M($=A:6YS("A,;W-S97,I(&]N($EN=F5S=&UE;G0@4V5C=7)I=&EE<SPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@
M8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HU.2XR-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HU.2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/D9O
M<F5I9VX@0W5R<F5N8WD@5')A;G-L871I;VX@061J=7-T;65N=',\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D(&-O
M;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-30N-S5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-30N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@
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M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M+C5P=#MC;VQO<CHC,#`P,#`P.R<@/D%C8W5M=6QA=&5D($]T:&5R($-O;7!R
M96AE;G-I=F4@*$QO<W,I($EN8V]M93PO9F]N=#X\+W1D/CPO='(^/'1R(#X\
M=&0@<W1Y;&4],T1W:61T:#HR,CDN-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R.2XU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N
M-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#Y"86QA;F-E
M<R!A<R!O9B!$96-E;6)E<B8C,38P.S,Q+"`R,#$S/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1&9O
M;G0M9F%M:6QY.D-A;&EB<FD[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P
M,#`[(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HR-"XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C(T+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P
M,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,S+C<U<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,S+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^(#8S
M(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC
M;VQO<CHC,#`P,#`P.R<@/B`H,2PP.3`I/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C(U+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HR-2XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(Y+C(U<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(Y
M+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("@S.3DI
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C(U+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-2XU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL
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M,#`P,#`[)R`^("@Q+#0R-BD\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T
M>6QE/3-$=VED=&@Z,C(Y+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HR,CDN-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO
M<CHC,#`P,#`P.R<@/DYE="!U;G)E86QI>F5D(&=A:6YS/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS
M1&9O;G0M9F%M:6QY.D-A;&EB<FD[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P
M,#`P,#`[(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HR-"XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
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M8V]L;W(Z(S`P,#`P,#LG(#X@,3`R(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR
M-2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW
M-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M
M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[(#X@
M)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR.2XR-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR.2XR-7!T.R`^/&9O;G0@
M<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[(#X@)B,X,C$S.R`@(#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS,W!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS,W!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#$P,B`\+V9O;G0^/"]T9#X\+W1R
M/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,C(Y+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,CDN-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/DEN8W)E87-E("AD96-R96%S
M92D@9'5E('1O(&%M;W5N=',@<F5C;&%S<VEF:65D(&EN=&\@96%R;FEN9W,\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF
M;VYT('-T>6QE/3-$9F]N="UF86UI;'DZ0V%L:6)R:3MF;VYT+7-I>F4Z-RXU
M<'0[8V]L;W(Z(S`P,#`P,#L@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT
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M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`H-S$I/"]F;VYT
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M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-2`\+V9O;G0^/"]T
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M9#MC;VQO<CHC,#`P,#`P.R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@
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M;VQO<CHC,#`P,#`P.R<@/B`H-C8I/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT
M9"!S='EL93TS1'=I9'1H.C(R.2XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(Y+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@=')A;G-L871I;VX@*&QO<W,I(&]F
M(&EN=F5S=&UE;G1S(&EN(&9O<F5I9VX@;W!E<F%T:6]N<SPO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC
M,#`P,#`P.R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,C0N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HR-"XW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS,RXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL
M>3I#86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HR-2XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^("@S,3,I/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M<FD[9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#L@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
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M9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#X@*#,Q,RD\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$
M=VED=&@Z,C(Y+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HR,CDN-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC
M,#`P,#`P.R<@/DYE="`H;&]S<V5S*2!R96QA=&5D('1O(&AE9&=E<R!O9B!I
M;G9E<W1M96YT(&EN(&9O<F5I9VX@;W!E<F%T:6]N<SPO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T1F
M;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P
M,#`P.R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,C0N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HR-"XW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M,RXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#
M86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR
M-2XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^(#$Q,R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
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M;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
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M+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/B`Q,3,@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H
M.C(R.2XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,C(Y+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y096YS:6]N(&%N9"!O=&AE<B!P;W-T<F5T:7)E;65N="!B96YE
M9FET(&=A:6YS/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-"XU<'0[(#X\9F]N="!S='EL93TS1&9O;G0M9F%M:6QY.D-A;&EB<FD[9F]N
M="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[(#XF(S$V,#LF(S$V,#L\+V9O
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M.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#L@/B`F(S@R
M,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X
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M.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#L@/B`F(S@R
M,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(U+C5P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-2XU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(Y+C(U<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(Y+C(U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
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M="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#X@-#@@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H
M.C(R.2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C(Y+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y.970@8VAA;F=E(&EN(&%C8W5M=6QA=&5D(&]T:&5R(&-O;7!R96AE
M;G-I=F4@:6YC;VUE("AL;W-S*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#
M86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R`^)B,Q-C`[
M)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C0N-S5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR
M-"XW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^(#,Q(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^("@Q.34I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(U+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
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M9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#X@-#@@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(U+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
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M.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@*#$Q
M-BD\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,C(Y
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HR,CDN-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^0F%L86YC97,@87,@;V8@4V5P=&5M8F5R(#,P
M+"`R,#$T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-"XU<'0[(#X\9F]N="!S='EL93TS1&9O;G0M9F%M:6QY.D-A;&EB<FD[9F]N
M="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[(#XF(S$V,#LF(S$V,#L\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-"XW-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(T+C<U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N
M-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B`Y-"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C4N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C(U+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^("@Q+#(X-2D\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,C4N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C(U+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HR.2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR.2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("@S-3$I/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C(U+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-2XU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S-P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S-P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`H
M,2PU-#(I/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H
M.C(R.2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C([8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C(Y+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C([
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(T+C<U<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C([8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C0N
M-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMB;W)D97(M8F]T
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M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMB;W)D97(M8F]T=&]M+7-T>6QE.G-O
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M.C(U+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
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M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMB;W)D97(M8F]T=&]M
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M/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HR,CDN-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R.2XU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^1F]R('1H92!4:')E92!-;VYT
M:',@16YD960@4V5P=&5M8F5R(#,P+"`R,#$S/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU
M<'0[9F]N="US='EL93II=&%L:6,[8V]L;W(Z(S`P,#`P,#LG(#X@*$UI;&QI
M;VYS*3PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^+"!N
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M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC
M,#`P,#`P.R<@/DYE="!5;G)E86QI>F5D($=A:6YS("A,;W-S97,I(&]N($EN
M=F5S=&UE;G0@4V5C=7)I=&EE<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS
M1#$@<W1Y;&4],T1W:61T:#HU.2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU.2XR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M+C5P=#MC;VQO<CHC,#`P,#`P.R<@/D9O<F5I9VX@0W5R<F5N8WD@5')A;G-L
M871I;VX@061J=7-T;65N=',\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT+C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q
M('-T>6QE/3-$=VED=&@Z-30N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-30N-S5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@56YR96%L:7IE9"!096YS:6]N(&%N
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M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@
M/D%C8W5M=6QA=&5D($]T:&5R($-O;7!R96AE;G-I=F4@*$QO<W,I($EN8V]M
M93PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HR,CDN
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C(R.2XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#Y"86QA;F-E<R!A<R!O9B!*=6YE(#,P+"`R,#$S
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\
M9F]N="!S='EL93TS1&9O;G0M9F%M:6QY.D-A;&EB<FD[9F]N="US:7IE.C<N
M-7!T.V-O;&]R.B,P,#`P,#`[(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HR-"XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(T+C<U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N
M-7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
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M.B,P,#`P,#`[)R`^(#$U,R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C4N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C(U+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#$L,#(W*3PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HR.2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HR.2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC
M,#`P,#`P.R<@/B`H-#,T*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,C4N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,W!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,W!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`H,2PS,#@I/"]F;VYT/CPO=&0^
M/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C(R.2XU<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(Y+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@=6YR96%L:7IE9"`H
M;&]S<V5S*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N
M-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M
M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C0N-S5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-"XW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MC;VQO<CHC,#`P,#`P.R<@/B`H,C4I/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C(U+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
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M="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[(#X@)B,X,C$S.R`@(#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HR.2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HR.2XR-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A
M;6EL>3I#86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R`^
M("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C4N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S-P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S-P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU
M<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#(U*3PO9F]N=#X\+W1D/CPO='(^/'1R
M(#X\=&0@<W1Y;&4],T1W:61T:#HR,CDN-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R.2XU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^26YC<F5A<V4@*&1E8W)E87-E*2!D
M=64@=&\@86UO=6YT<R!R96-L87-S:69I960@:6YT;R!E87)N:6YG<SPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@
M<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MC
M;VQO<CHC,#`P,#`P.R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,C0N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HR-"XW-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS,RXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO
M<CHC,#`P,#`P.R<@/B`H,C,I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
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M4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q
M,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT
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M8V]L;W(Z(S`P,#`P,#L@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T
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M97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("@R
M,RD\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,C(Y
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HR,CDN-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@
M/DYE="!T<F%N<VQA=&EO;B!G86EN(&]F(&EN=F5S=&UE;G1S(&EN(&9O<F5I
M9VX@;W!E<F%T:6]N<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I
M.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C0N-S5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-"XW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^
M/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ93HW
M+C5P=#MC;VQO<CHC,#`P,#`P.R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\
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M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@,3,T(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR.2XR-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR.2XR-7!T
M.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ
M93HW+C5P=#MC;VQO<CHC,#`P,#`P.R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T
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M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P
M,#LG(#X@,3,T(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W
M:61T:#HR,CDN-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C(R.2XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P
M,#`P,#`[)R`^3F5T(&=A:6YS(')E;&%T960@=&\@:&5D9V5S(&]F(&EN=F5S
M=&UE;G0@:6X@9F]R96EG;B!O<&5R871I;VYS/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1&9O;G0M
M9F%M:6QY.D-A;&EB<FD[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[
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M<FD[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[(#X@)B,X,C$S.R`@
M(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`H,3(S*3PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HR-2XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR
M.2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HR.2XR-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#
M86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R`^("8C.#(Q
M,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT
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M<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#$R,RD\+V9O;G0^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z,C(Y+C5P=#MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,CDN-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/E!E;G-I;VX@86YD(&]T:&5R
M('!O<W1R971I<F5M96YT(&)E;F5F:70@9V%I;G,\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$9F]N
M="UF86UI;'DZ0V%L:6)R:3MF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P
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M;'DZ0V%L:6)R:3MF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#L@/B`F
M(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[
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M:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[(#X@)B,X,C$S.R`@(#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HR-2XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HR.2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR.2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MC;VQO<CHC,#`P,#`P.R<@/B`V(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR
M-2XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,W!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS,W!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`V
M(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HR,CDN
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C(R.2XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^
M3F5T(&-H86YG92!I;B!A8V-U;75L871E9"!O=&AE<B!C;VUP<F5H96YS:79E
M("AL;W-S*2!I;F-O;64@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1&9O;G0M9F%M:6QY.D-A;&EB
M<FD[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[(#XF(S$V,#LF(S$V
M,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-"XW-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
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M9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("@T."D\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,C4N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L
M;W(Z(S`P,#`P,#LG(#X@,3$@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(U+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
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M4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^(#8@/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C(U+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
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M.B,P,#`P,#`[)R`^("@S,2D\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T
M>6QE/3-$=VED=&@Z,C(Y+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HR,CDN-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^0F%L86YC97,@87,@
M;V8@4V5P=&5M8F5R(#,P+"`R,#$S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1&9O;G0M9F%M
M:6QY.D-A;&EB<FD[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[(#XF
M(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-"XW
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C(T+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^
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M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^(#$P-2`\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,C4N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L
M;W(Z(S`P,#`P,#LG(#X@*#$L,#$V*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HR-2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C4N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P
M.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR.2XR-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR
M.2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`H-#(X
M*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS,W!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS,W!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO
M<CHC,#`P,#`P.R<@/B`H,2PS,SDI/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT
M9"!S='EL93TS1'=I9'1H.C(R.2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C([8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CHC,#`P,#`P.VUI;BUW:61T:#HR,CDN-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,CMB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,C0N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,CMB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HR-"XW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HR.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,CMB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C4N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HR.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMB;W)D97(M8F]T
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M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMB;W)D97(M8F]T=&]M+7-T>6QE.G-O
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M93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HR.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HR-2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C([8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,W!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HR.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS,W!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,C(Y
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HR,CDN-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@
M/D9O<B!T:&4@3FEN92!-;VYT:',@16YD960@4V5P=&5M8F5R(#,P+"`R,#$S
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="US='EL93II=&%L:6,[8V]L;W(Z
M(S`P,#`P,#LG(#X@*$UI;&QI;VYS*3PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O
M;&]R.B,P,#`P,#`[)R`^+"!N970@;V8@=&%X/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$,B!R
M;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C4X+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/DYE="!5;G)E86QI>F5D($=A
M:6YS("A,;W-S97,I(&]N($EN=F5S=&UE;G0@4V5C=7)I=&EE<SPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@8V]L
M<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HU.2XR-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU
M.2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/D9O<F5I
M9VX@0W5R<F5N8WD@5')A;G-L871I;VX@061J=7-T;65N=',\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D(&-O;'-P
M86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-30N-S5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-30N
M-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@56YR
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M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MC;VQO<CHC,#`P,#`P.R<@/D%C8W5M=6QA=&5D($]T:&5R($-O;7!R96AE
M;G-I=F4@*$QO<W,I($EN8V]M93PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@
M<W1Y;&4],T1W:61T:#HR,CDN-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R.2XU<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#Y"86QA;F-E<R!A
M<R!O9B!$96-E;6)E<B8C,38P.S,Q+"`R,#$R/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1&9O;G0M
M9F%M:6QY.D-A;&EB<FD[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[
M(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR
M-"XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C(T+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,S+C<U<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,S
M+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^(#,Q-2`\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,C4N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L
M;W(Z(S`P,#`P,#LG(#X@*#<U-"D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C4N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C(U+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XD
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,CDN,C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,CDN,C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#0X."D\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,C4N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,S-P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,S-P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P
M,#LG(#X@*#DR-RD\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$
M=VED=&@Z,C(Y+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HR,CDN-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P
M,#`P.R<@/DYE="!U;G)E86QI>F5D("AL;W-S97,I/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1&9O
M;G0M9F%M:6QY.D-A;&EB<FD[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P
M,#`[(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HR-"XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
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M97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("@Q
M-#$I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(U+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
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M,#`P,#`[(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR.2XR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR.2XR-7!T
M.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ
M93HW+C5P=#MC;VQO<CHC,#`P,#`P.R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,C4N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C(U+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,S-P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,S-P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@
M*#$T,2D\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z
M,C(Y+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HR,CDN-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P
M.R<@/DEN8W)E87-E("AD96-R96%S92D@9'5E('1O(&%M;W5N=',@<F5C;&%S
M<VEF:65D(&EN=&\@96%R;FEN9W,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$9F]N="UF86UI;'DZ
M0V%L:6)R:3MF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#L@/B8C,38P
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M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#8Y*3PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS,RXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D
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M.D-A;&EB<FD[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[(#X@)B,X
M,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,W!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,W!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`H-CDI/"]F;VYT/CPO=&0^/"]T<CX\
M='(@/CQT9"!S='EL93TS1'=I9'1H.C(R.2XU<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(Y+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@=')A;G-L871I;VX@*&QO
M<W,I(&]F(&EN=F5S=&UE;G1S(&EN(&9O<F5I9VX@;W!E<F%T:6]N<SPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@
M<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MC
M;VQO<CHC,#`P,#`P.R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,C0N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HR-"XW-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS,RXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT
M+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P
M.R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
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M;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#0R,BD\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,C4N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,CDN,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,CDN,C5P=#L@/CQF;VYT('-T>6QE/3-$
M9F]N="UF86UI;'DZ0V%L:6)R:3MF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P
M,#`P,#L@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
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M9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("@T,C(I/"]F;VYT
M/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C(R.2XU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(Y
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@9V%I
M;G,@<F5L871E9"!T;R!H961G97,@;V8@:6YV97-T;65N="!I;B!F;W)E:6=N
M(&]P97)A=&EO;G,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$9F]N="UF86UI;'DZ0V%L:6)R:3MF
M;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#L@/B8C,38P.R8C,38P.SPO
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M<'0[8V]L;W(Z(S`P,#`P,#L@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P
M,#`[)R`^(#$V,"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P
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M-RXU<'0[8V]L;W(Z(S`P,#`P,#L@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[
M)R`^(#$V,"`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED
M=&@Z,C(Y+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HR,CDN-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC
M,#`P,#`P.R<@/E!E;G-I;VX@86YD(&]T:&5R('!O<W1R971I<F5M96YT(&)E
M;F5F:70@9V%I;G,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$9F]N="UF86UI;'DZ0V%L:6)R:3MF
M;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#L@/B8C,38P.R8C,38P.SPO
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M>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#L@/B`F(S@R,3,[("`@/"]F;VYT/CPO
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M,#`P,#`[(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR.2XR-7!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HR.2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@
M/B`V,"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT
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M>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-C`@/"]F;VYT/CPO=&0^/"]T
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M+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@8VAA;F=E(&EN(&%C
M8W5M=6QA=&5D(&]T:&5R(&-O;7!R96AE;G-I=F4@*&QO<W,I(&EN8V]M92`\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF
M;VYT('-T>6QE/3-$9F]N="UF86UI;'DZ0V%L:6)R:3MF;VYT+7-I>F4Z-RXU
M<'0[8V]L;W(Z(S`P,#`P,#L@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT
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M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[
M8V]L;W(Z(S`P,#`P,#LG(#X@*#(Q,"D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,C4N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C(U+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@
M*#(V,BD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C4N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,CDN,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,CDN,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-C`@/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C(U+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
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M<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^
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M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/D)A;&%N8V5S(&%S(&]F(%-E<'1E;6)E
M<B`S,"P@,C`Q,SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I
M.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C0N-S5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-"XW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`Q,#4@/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C(U+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HR-2XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R
M.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,S
M+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C,S+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[
M)R`^("@Q+#`Q-BD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P
M=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C4N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,CDN,C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,CDN,C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#0R."D\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,C4N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,S-P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,S-P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG
M(#X@*#$L,S,Y*3PO9F]N=#X\+W1D/CPO='(^/"]T86)L93X\+V1I=CX\<"!S
M='EL93TS1&QI;F4M:&5I9VAT.C(P<'0[("\^/&1I=CX\<"!S='EL93TS1'1E
M>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M
M.C!P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.VUA<F=I;BUL
M969T.C!P=#LG(#Y4:&4@9F]L;&]W:6YG('1A8FQE('!R97-E;G1S('1H92!E
M9F9E8W1S(&]F(')E8VQA<W-I9FEC871I;VYS(&]U="!O9B!!3T-)(&%N9"!I
M;G1O('1H92!#;VYS;VQI9&%T960@4W1A=&5M96YT<R!O9B!);F-O;64@9F]R
M('1H92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/G1H<F5E(&%N9"!N:6YE(&UO
M;G1H<R!E;F1E9#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG
M(#XL(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^,C`Q-#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^.CPO9F]N=#X\+W`^/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE
M:6=H=#HR,'!T.R`O/CQD:78^/'1A8FQE('-T>6QE/3-$8F]R9&5R+6-O;&QA
M<'-E.F-O;&QA<'-E.R`^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
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M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HX."XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z.#@N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#$R(')O
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M>F4Z-BXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XH1V%I;G,I(&QO<W-E<R!R96-O
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M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX."XU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M.#@N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\
M=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#AP
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C$P.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MC;VQO<CHC,#`P,#`P.R<@/D9O<B!T
M:&4@5&AR964@36]N=&AS($5N9&5D/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
M/"]T9#X\=&0@8V]L<W!A;CTS1#0@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T
M:#HQ,#)P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$P,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MC;VQO<CHC,#`P,#`P.R<@
M/D9O<B!T:&4@3FEN92!-;VYT:',@16YD960\+V9O;G0^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C$R.2XW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$R.2XW-7!T.R`^/"]T9#X\=&0@<W1Y
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M/3-$=VED=&@Z,3`X<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,#AP=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y397!T96UB97(@,S`L/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-G!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#0@<F]W<W!A;CTS1#$@
M<W1Y;&4],T1W:61T:#HQ,#)P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P,G!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P
M=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E<B`S,"P\+V9O;G0^/"]T9#X\
M+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C$R.2XW-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$R.2XW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z.#@N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C@X+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y);F-O;64@4W1A=&5M96YT/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C9P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0T(')O=W-P86X],T0Q('-T
M>6QE/3-$=VED=&@Z,3`R<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,#)P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y!;6]U;G0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-G!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#0@<F]W<W!A;CTS1#$@<W1Y;&4]
M,T1W:61T:#HQ,#)P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$P,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MC;VQO<CHC
M,#`P,#`P.R<@/D%M;W5N=#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L
M<W!A;CTS1#,@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ-3(N,C5P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ-3(N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y$
M97-C<FEP=&EO;B`@*#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C8N-7!T.V9O;G0M<W1Y;&4Z
M:71A;&EC.V-O;&]R.B,P,#`P,#`[)R`^36EL;&EO;G,\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HV+C5P=#MC;VQO<CHC,#`P,#`P.R<@/BD\+V9O;G0^/"]T9#X\=&0@<W1Y
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M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y,:6YE($ET96T\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-G!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@
M<W1Y;&4],T1W:61T:#HU,7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HU,7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
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M:7IE.C8N-7!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS
M1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HU,7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU,7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HV+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M,C`Q-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L
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M<R!.97<@4F]M86X[9F]N="US:7IE.C8N-7!T.V-O;&]R.B,P,#`P,#`[)R`^
M,C`Q,SPO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#,@<F]W
M<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ-3(N,C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-3(N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z-BXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y!=F%I;&%B;&4M9F]R+7-A;&4@
M<V5C=7)I=&EE<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX."XU<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.#@N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
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M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
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M,7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HV+C5P=#MC;VQO<CHC,#`P,#`P.R<@/DYE="!G86EN
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M:61T:#HT-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CPO=&0^/"]T<CX\
M='(@/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,CDN-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,CDN-S5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-BXU
M<'0[8V]L;W(Z(S`P,#`P,#LG(#YU;G)E86QI>F5D(&YE="`@9V%I;G,@;VX@
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M<R!.97<@4F]M86X[9F]N="US:7IE.C8N-7!T.V-O;&]R.B,P,#`P,#`[)R`^
M3W1H97(@;F]N+6EN=&5R97-T(')E=F5N=65S/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^("@R,2D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HV+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P
M=#MC;VQO<CHC,#`P,#`P.R<@/B`H,S8I/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/B`H,3$Q*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C8N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C8N-7!T
M.V-O;&]R.B,P,#`P,#`[)R`^("@Q,#DI/"]F;VYT/CPO=&0^/"]T<CX\='(@
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M4F]M86X[9F]N="US:7IE.C8N-7!T.V-O;&]R.B,P,#`P,#`[)R`^4F5L871E
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M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y)
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M.C8N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@."`\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MC;VQO<CHC,#`P,#`P
M.R<@/B`Q,R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`T,"`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`T,"`\
M+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,2XR-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@
M<W1Y;&4],T1W:61T:#HQ-#%P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ-#%P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y296-L87-S:69I8V%T:6]N('1O(&YE="!I;F-O;64@
M<F5L871E9"!T;R`@("`@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T
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M:#HT-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$N
M,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
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M+7=I9'1H.C$R.2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MC;VQO<CHC,#`P,#`P
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M9F]N="US:7IE.C8N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
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M-7!T.V-O;&]R.B,P,#`P,#`[)R`^("@R,RD\+V9O;G0^/"]T9#X\=&0@<W1Y
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M,#`P,#`P.R<@/B`H-S$I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
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M-BXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#8Y*3PO9F]N=#X\+W1D/CPO='(^
M/'1R(#X\=&0@8V]L<W!A;CTS1#,@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T
M:#HQ-3(N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ-3(N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y&;W)E:6=N(&-U<G)E;F-Y('1R86YS;&%T:6]N(&%D:G5S=&UE;G1S
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C@X+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX."XU<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
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M1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
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M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$
M=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@
M<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ-#%P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-#%P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z-BXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y296-L87-S:69I8V%T:6]N(&]F
M(')E86QI>F5D(&QO<W-E<R!O;CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX."XU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z.#@N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
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M97<@4F]M86X[9F]N="US:7IE.C8N-7!T.V-O;&]R.B,P,#`P,#`[)R`^('1R
M86YS;&%T:6]N(&%D:G5S=&UE;G1S(&%N9"`@<F5L871E9"!H961G97,\+V9O
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M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/=&AE<B!E>'!E;G-E<R`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R
M,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M
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M(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HV+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
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M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@
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M.C$T,7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MC;VQO<CHC,#`P,#`P.R<@/E)E;&%T
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C8N-7!T.V-O;&]R.B,P,#`P,#`[
M)R`^26YC;VUE('1A>"!P<F]V:7-I;VX\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HV+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^("`Q(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0U<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C8N
M-7!T.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\
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M;VQO<CHC,#`P,#`P.R<@/B`H,RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HV+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C8N-7!T.V-O;&]R.B,P,#`P,#`[
M)R`^4F5C;&%S<VEF:6-A=&EO;B!O9B!F;W)E:6=N(&-U<G)E;F-Y/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C@X+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HX."XU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
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M-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
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M:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,CDN-S5P
M=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,CDN-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[8V]L;W(Z(S`P,#`P,#LG
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M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`@,2`\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MC;VQO<CHC,#`P,#`P
M.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
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M.C8N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@(#4@
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M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@
M8V]L<W!A;CTS1#,@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ-3(N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ-3(N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/E1O=&%L/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M9F]N="US:7IE.C8N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-BXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/B`H,3(I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T
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M;VYT+7-I>F4Z-BXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[
M8V]L;W(Z(S`P,#`P,#LG(#X@*#(S*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C9P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
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M8V]L;W(Z(S`P,#`P,#LG(#X@*#8V*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS
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M97<@4F]M86X[9F]N="US:7IE.C8N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO
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M:7IE.C8N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("@V.2D\+V9O;G0^/"]T9#X\
M+W1R/CPO=&%B;&4^/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM
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M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q
M=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R
M<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C
M/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO
M<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$
M<F5P;W)T(&ED/3-$240P14U%/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@
M8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG/DEN
M8V]M92!487AE<SQB<CX\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA
M<W,],T1T:"!C;VQS<&%N/3-$,3XY($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y3
M97`N(#,P+"`R,#$T/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/DEN8V]M92!487@@1&ES8VQO<W5R92!;06)S=')A8W1=
M/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y)
M;F-O;64@5&%X97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M9&EV/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z
M,'!T.VUA<F=I;BUB;W1T;VTZ.7!T.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[9F]N="UW96EG:'0Z8F]L9#MM87)G:6XM;&5F=#HM,C`N,35P
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M92!487AE<SPO9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I
M9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HP<'0[;&EN92UH96EG
M:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F=#HP<'0[)R`^5&AE
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M9F]N="US:7IE.C$Q<'0[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^,C`P
M.#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^('1H<F]U9V@@/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3%P=#LG(#XR,#$Q/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#XN/"]F;VYT
M/CPO<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3ML:6YE+6AE:6=H
M=#HQ,G!T.R`^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA
M<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,'!T.VQI;F4M:&5I9VAT.C$R
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$Q<'0[;6%R9VEN+6QE9G0Z,'!T.R<@/E1H92!#;VUP
M86YY(&)E;&EE=F5S(&ET(&ES(')E87-O;F%B;'D@<&]S<VEB;&4@=&AA="!I
M=',@=6YR96-O9VYI>F5D('1A>"!B96YE9FET<R!C;W5L9"!D96-R96%S92!W
M:71H:6X@=&AE(&YE>'0@,3(F(S$V,#MM;VYT:',@8GD@87,@;75C:"!A<R`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@
M/C8X-CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(&UI;&QI;VX@<')I;F-I<&%L
M;'D@87,@82!R97-U;'0@;V8@<#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^;W1E
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M9F]N="US:7IE.C$Q<'0[)R`^=7)I<V1I8W1I;VX@;W(@:G5R:7-D:6-T:6]N
M<RX@3V8@=&AE(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^)#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[)R`^-C@V/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#X@;6EL;&EO
M;B!O9B!U;G)E8V]G;FEZ960@=&%X(&)E;F5F:71S+"!A<'!R;WAI;6%T96QY
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^)#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[
M)R`^-3(Y/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
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M="US:7IE.C$Q<'0[)R`^0V]M<&%N>28C.#(Q-SMS(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^<F5S=6QT<R!O9B!O<&5R871I;VYS(&]R('1H92`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,7!T.R<@/F5F9F5C/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YT
M:79E('1A>"!R871E+B`\+V9O;G0^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG
M;CIJ=7-T:69Y.VQI;F4M:&5I9VAT.C$R<'0[(#X\+W`^/'`@<W1Y;&4],T1T
M97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O
M;3HP<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM
M;&5F=#HP<'0[)R`^5&AE(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^969F96-T
M:79E('1A>"!R871E('=A<R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/C,T+C(\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B!P97)C96YT(&%N9"`\+V9O;G0^/&9O
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M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YE;F1E9"`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
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M="US:7IE.C$Q<'0[)R`^,S$N.#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^('!E
M<F-E;G0@86YD(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^,S$N-#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[)R`^('!E<F-E;G0@9F]R('1H92`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.R<@/G1H<F5E(&%N9"!N:6YE(&UO;G1H<R!E;F1E9#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^4V5P=&5M
M8F5R(#,P/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#XL(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^+"!R97-P96-T
M:79E;'DN(%1H92!T87@@<F%T92!F;W(@=&AE(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[)R`^=&AR964@86YD(&YI;F4@;6]N=&AS(&5N9&5D/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3%P=#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#Y397!T96UB97(@
M,S`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
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M)R`^<F=A;FEZ871I;VXN(#PO9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L
M:6=N.FIU<W1I9GD[;&EN92UH96EG:'0Z,3)P=#L@/CPO<#X\<"!S='EL93TS
M1'1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T
M=&]M.C!P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
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M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@
M/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7SAC8S9C965C
M7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y80T*0V]N=&5N="U,;V-A=&EO
M;CH@9FEL93HO+R]#.B\X8V,V8V5E8U\T.3!B7S0R9CE?.#)D,%\V83(S,3%F
M-S<P.6$O5V]R:W-H965T<R]3:&5E=#(R+FAT;6P-"D-O;G1E;G0M5')A;G-F
M97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@
M=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH
M96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N
M=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP
M93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO="!2
M96UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D
M>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%344^#0H@
M("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q
M(')O=W-P86X],T0R/CQS=')O;F<^16%R;FEN9W,@4&5R($-O;6UO;B!3:&%R
M92`H15!3*3QB<CX\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,]
M,T1T:"!C;VQS<&%N/3-$,3XY($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y397`N
M(#,P+"`R,#$T/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#X\<W1R;VYG/D5A<FYI;F=S(%!E<B!3:&%R92!;06)S=')A8W1=/"]S=')O
M;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y%87)N:6YG
M<R!097(@0V]M;6]N(%-H87)E("A%4%,I/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/&1I=CX\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF
M>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C!P=#ML:6YE+6AE:6=H
M=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[;6%R9VEN
M+6QE9G0Z+3(P+C$U<'0[)R`^,3,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M
M=V5I9VAT.F)O;&0[)R`^+B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I
M9VAT.F)O;&0[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
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M;VQD.R<@/E`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[
M)R`^97(@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MF;VYT+7=E:6=H=#IB;VQD.R<@
M/D,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[)R`^;VUM
M;VX@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MF;VYT+7=E:6=H=#IB;VQD.R<@/E,\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[)R`^:&%R92`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[)R`^*$504RD\
M+V9O;G0^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I
M;BUT;W`Z.7!T.VUA<F=I;BUB;W1T;VTZ-G!T.VQI;F4M:&5I9VAT.C$R<'0[
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M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.R<@/G=E<F4@87,F(S$V,#MF;VQL;W=S.B`\+V9O;G0^/"]P/CPO
M9&EV/CQP('-T>6QE/3-$;&EN92UH96EG:'0Z,C!P=#L@+SX\9&EV/CQT86)L
M92!S='EL93TS1&)O<F1E<BUC;VQL87!S93IC;VQL87!S93L@/CQT<B`^/'1D
M('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C(U-"XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U-"XR-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#4@
M<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HY,BXR-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N
M=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.3(N,C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E1H<F5E($UO;G1H<R!%;F1E
M9#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\
M+W1D/CQT9"!C;VQS<&%N/3-$-2!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H
M.CDR+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HY,BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^3FEN92!-;VYT:',@16YD960\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D
M('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
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M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T
M9#X\=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HY
M,BXR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z.3(N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/E-E<'1E;6)E<B`S,"P\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#4@<F]W
M<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HY,BXR-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.3(N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E<B`S,"P\
M+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0U(')O=W-P86X]
M,T0Q('-T>6QE/3-$=VED=&@Z,C@T+C(U<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C@T+C(U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[9F]N="US='EL93II=&%L:6,[8V]L;W(Z(S`P,#`P,#LG(#XH
M36EL;&EO;G,L(&5X8V5P="!P97(@<VAA<F4@86UO=6YT<RD\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@
M8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HT-"XR-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT-"XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#XR,#$T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T
M9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HT
M-"XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT-"XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C(P
M,3,\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0U(')O=W-P
M86X],T0Q('-T>6QE/3-$=VED=&@Z,C@T+C(U<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C@T+C(U<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/DYU;65R
M871O<CH\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N
M-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-RXU<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$-"!R;W=S<&%N/3-$,2!S='EL
M93TS1'=I9'1H.C(W-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C(W-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^0F%S:6,@86YD(&1I;'5T960Z/"]F;VYT/CPO=&0^
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M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
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M;W(Z(S`P,#`P,#LG(#Y.970@:6YC;VUE/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ+#0W-SPO9F]N=#X\+W1D/CQT
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M(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ
M+#,V-CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/C0L-#,X/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,RXW
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N
M-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C0L,#4Q/"]F;VYT/CPO=&0^/"]T
M<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y%87)N:6YG<R!A;&QO8V%T960@=&\@<&%R=&EC:7!A=&EN9R!S:&%R92!A
M=V%R9',\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XH82D\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^*#$Q*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N
M-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^*#$R*3PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^*#,U
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M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^*#,V*3PO9F]N=#X\+W1D/CPO
M='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
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M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(V
M.2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^3F5T(&EN
M8V]M92!A='1R:6)U=&%B;&4@=&\@8V]M;6]N('-H87)E:&]L9&5R<SPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^
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M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,2PT
M-C8\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^,2PS-30\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C,N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C,W+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XT+#0P,SPO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XT+#`Q
M-3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#4@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HR.#0N,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR.#0N,C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^1&5N;VUI
M;F%T;W(Z/"]F;VYT/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^("AA*3PO9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N
M-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C,W+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C,W+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
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M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y"87-I8SH@5V5I9VAT960M879E<F%G
M92!C;VUM;VX@<W1O8VL\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^,2PP-#$\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C$L,#<T/"]F;VYT/CPO
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M<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ+#`U,3PO9F]N=#X\+W1D
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M;&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^,2PP.#<\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE
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M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^061D.B!796EG
M:'1E9"UA=F5R86=E('-T;V-K(&]P=&EO;G,@/"]F;VYT/CQS=7`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^*&(I/"]F;VYT/CPO<W5P/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,RXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,N-S5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,S<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C8\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS-RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/C<\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
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M<CHC,#`P,#`P.R<@/C8\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C<\+V9O
M;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$-"!R;W=S<&%N/3-$,2!S='EL93TS
M1'=I9'1H.C(W-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C(W-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^1&EL=71E9#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C,N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N
M-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XQ+#`T-SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C,N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,2PP.#$\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,N-S5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,S<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C$L,#4W/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,RXW-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,N-S5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,S<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XQ+#`Y-#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
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M9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\+W1D/CPO='(^/'1R(#X\=&0@
M8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR.#0N,C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HR.#0N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/D)A
M<VEC($504SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^,2XT,3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N
M-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ+C(V/"]F;VYT/CPO=&0^/'1D
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M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^-"XQ.3PO9F]N=#X\
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M8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XS+C8Y/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$
M-2!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C(X-"XR-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(X-"XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^1&EL=71E9"!%
M4%,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
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M<CHC,#`P,#`P.R<@/C$N-#`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,2XR-3PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
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M,#`P,#`P.R<@/C0N,3<\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,RXV-SPO9F]N
M=#X\+W1D/CPO='(^/"]T86)L93X\+V1I=CX\<"!S='EL93TS1&QI;F4M:&5I
M9VAT.C(P<'0[("\^/&1I=CX\=6P^/&QI('-T>6QE/3-$;&ES="US='EL93IL
M;W=E<BUA;'!H83MT97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HV<'0[
M;6%R9VEN+6)O='1O;3HR<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#Y4:&4@0V]M<&%N
M>28C.#(Q-SMS('5N=F5S=&5D(')E<W1R:6-T960@<W1O8VL@87=A<F1S+"!W
M:&EC:"!I;F-L=61E('1H92!R:6=H="!T;R!R96-E:79E(&YO;BUF;W)F96ET
M86)L92!D:79I9&5N9',@;W(@9&EV:61E;F0@97%U:79A;&5N=',L(&%R92!C
M;VYS:61E<F5D('!A<G1I8VEP871I;F<@<V5C=7)I=&EE<RX@0V%L8W5L871I
M;VYS(&]F($504R!U;F1E<B!T:&4@='=O+6-L87-S(&UE=&AO9"!E>&-L=61E
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/B!F<F]M('1H92!N=6UE<F%T;W(\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[)R`^(&%N>2!D:79I9&5N9',@<&%I9"!O<B!O=V5D
M(&]N('!A<G1I8VEP871I;F<@<V5C=7)I=&EE<R!A;F0@86YY('5N9&ES=')I
M8G5T960@96%R;FEN9W,@8V]N<VED97)E9"!T;R!B92!A='1R:6)U=&$\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[)R`^8FQE('1O('!A<G1I8VEP871I;F<@<V5C=7)I
M=&EE<RX@5&AE(')E;&%T960@<&%R=&EC:7!A=&EN9R!S96-U<FET:65S(&%R
M92!S:6UI;&%R;'D@97AC;'5D960@9G)O;2`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M)R`^=&AE(&1E;F]M:6YA=&]R+CPO9F]N=#X\+VQI/CQL:2!S='EL93TS1&QI
M<W0M<W1Y;&4Z;&]W97(M86QP:&$[=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I
M;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,G!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^
M5&AE(&1I;'5T:79E(&5F9F5C="!O9B!U;F5X93PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#LG(#YR8VES960@<W1O8VL@;W!T:6]N<R!E>&-L=61E<R`P+C(@;6EL;&EO
M;B!A;F0@,"XQ(&UI;&QI;VX@;V8@;W!T:6]N<R!F<F]M('1H92!C;VUP=71A
M=&EO;B!O9B!%4%,@9F]R(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#YT:&4@/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.'!T.R<@/G1H<F5E(&UO;G1H<R!E;F1E9"`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.R<@/BP@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/C(P,30\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[)R`^(&%N9"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^,C`Q,SPO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#LG(#XL(')E<W!E8W1I=F5L>2P\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[)R`^(&%N9"`P+C(@;6EL;&EO;B!O<'1I;VYS(&9O<B`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[)R`^8F]T:"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^=&AE
M(&YI;F4@;6]N=&AS(&5N9&5D(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#Y397!T
M96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^+"`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[)R`^,C`Q-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
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M+6AE:6=H=#HQ,G!T.R`^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T
M:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,'!T.VQI;F4M:&5I
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M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[
M)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
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M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^
M)#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^-S4P/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P
M=#LG(#X@;6EL;&EO;B!I<W-U960\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B!I
M;B`R,#`V+"!A;F0@;6%T=7)I;F<@:6X@,C`S-CPO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[)R`^+B!)9B!T:&4\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
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M+V9O;G0^/"]P/CPO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM
M+3U?3F5X=%!A<G1?.&-C-F-E96-?-#DP8E\T,F8Y7S@R9#!?-F$R,S$Q9C<W
M,#EA#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+SAC8S9C965C7S0Y
M,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y82]7;W)K<VAE971S+U-H965T,C,N
M:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT
M86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S
M8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I
M=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E
M=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS
M1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C
M<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E
M<&]R="!I9#TS1$E$,$5-13X-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L
M87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY.;VXM
M26YT97)E<W0@4F5V96YU92!A;F0@17AP96YS92!$971A:6P\8G(^/"]S=')O
M;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#$^
M.2!-;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q-#QB<CX\+W1H
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY/=&AE<B!)
M;F-O;64@06YD($]T:&5R($5X<&5N<V4@1&ES8VQO<W5R92!;06)S=')A8W1=
M/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y$
M971A:6QS(&]F($-E<G1A:6X@0V]N<V]L:61A=&5D(%-T871E;65N=',@;V8@
M26YC;VUE($QI;F5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/&1I=CX\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P
M.C!P=#MM87)G:6XM8F]T=&]M.C!P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[;6%R9VEN+6QE9G0Z+3(P+C$U
M<'0[)R`^,30\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[
M)R`^+CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[9F]N="UW96EG:'0Z8F]L9#LG(#X@
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3%P=#MF;VYT+7=E:6=H=#IB;VQD.R<@/B`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[)R`^3F]N+4EN=&5R
M97-T(%)E=F5N=64@86YD($4\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I
M9VAT.F)O;&0[)R`^>'!E;G-E/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MF;VYT+7=E
M:6=H=#IB;VQD.R<@/B!$971A:6P\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M
M=V5I9VAT.F)O;&0[)R`^(#PO9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L
M:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HY<'0[;6%R9VEN+6)O='1O;3HV<'0[
M;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F=#HP
M<'0[)R`^5&AE(&9O;&QO=VEN9R!I<R!A(&1E=&$\+V9O;G0^/&9O;G0@<W1Y
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M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C(S-BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C(S-BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO
M=&0^/'1D(&-O;'-P86X],T0T(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z
M.39P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.CDV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4:')E
M92!-;VYT:',@16YD960\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^
M/'1D(&-O;'-P86X],T0T(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z.39P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.CDV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.:6YE($UO
M;G1H<R!%;F1E9#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ
M,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,S8N,C5P
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M;BUW:61T:#HY-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
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M.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#0@<F]W<W!A;CTS1#$@<W1Y;&4],T1W
M:61T:#HY-G!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z.39P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/E-E<'1E;6)E<B`S,"P\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D
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M:6,[8V]L;W(Z(S`P,#`P,#LG(#XH36EL;&EO;G,I/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0R
M(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-#@N-S5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#@N-S5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^,C`Q-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
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M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@
M<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HT."XW-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT."XW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\+W1D
M/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#,@<F]W<W!A;CTS1#$@<W1Y;&4]
M,T1W:61T:#HR-3<N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HR-3<N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/D9O<F5I9VX@8W5R<F5N8WD@8V]N=F5R<VEO;B!F964@<F5V
M96YU93PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#(R-2`\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M(#(R,R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA
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M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-C8U
M(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C0Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#X@-C4U(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#,@
M<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR-3<N,C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-3<N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/D1E;&EN<75E;F-Y(&9E
M97,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T
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M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#$X-"`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#$N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/B`Q-S(@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@
M-3,Y(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^(#4P,R`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^
M/'1D(&-O;'-P86X],T0S(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,C4W
M+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,C4W+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
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M;VQO<CHC,#`P,#`P.R<@/B`Q,#`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-S0@/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,C@V(#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M(#(R,2`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0S(')O
M=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,C4W+C(U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4W+C(U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y397)V:6-E(&9E97,\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
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M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#DT(#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M(#DW(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
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M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#(W-"`\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
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M,#`P,#`P.R<@/B`R-S,@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS
M<&%N/3-$,R!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C(U-RXR-7!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C(U-RXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^3W1H
M97(\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XH
M82D\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M8F]T=&]M
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M+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M(#,Y(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#0T(#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#$R,"`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
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M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
M/B`Q,S8@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H
M.C$P+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,"XU<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N
M/3-$,2!S='EL93TS1'=I9'1H.C(T-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(T-BXW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P@3W1H97(@8V]M;6ES<VEO
M;G,@86YD(&9E97,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q
M+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B`V-#(@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
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M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`V,3`@/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#$L.#@T(#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q
M+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#X@,2PW.#@@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I
M9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(S-BXR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HR.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(S-BXR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HR.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
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M9VXZ:G5S=&EF>3ML:6YE+6AE:6=H=#HQ,G!T.R`^/"]P/CQU;#X\;&D@<W1Y
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M=&EF>3ML:6YE+6AE:6=H=#HQ,G!T.R`^/"]P/CQP('-T>6QE/3-$=&5X="UA
M;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ-G!T
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M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#XZ(#PO9F]N=#X\+W`^/"]D
M:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O/CQD:78^/'1A8FQE
M('-T>6QE/3-$8F]R9&5R+6-O;&QA<'-E.F-O;&QA<'-E.R`^/'1R(#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,S8N
M,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HR,S8N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO
M=&0^/'1D(&-O;'-P86X],T0U(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z
M,3`T+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,#0N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/E1H<F5E($UO;G1H<R!%;F1E9#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$-2!R;W=S<&%N/3-$
M,2!S='EL93TS1'=I9'1H.C$P-"XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`T+C(U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.:6YE($UO;G1H<R!%;F1E9#PO9F]N=#X\
M+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HR,S8N,C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,S8N,C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D(&-O;'-P86X]
M,T0U(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3`T+C(U<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,#0N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E
M;6)E<B`S,"P\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T
M.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W
M:61T:#HQ,#0N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$P-"XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^4V5P=&5M8F5R(#,P+#PO9F]N=#X\+W1D/CPO='(^
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M>6QE.FET86QI8SMC;VQO<CHC,#`P,#`P.R<@/BA-:6QL:6]N<RD\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@8V]L
M<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HT."XW-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M."XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XR,#$T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C9P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE
M/3-$=VED=&@Z-#DN-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT.2XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XR,#$S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-G!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S
M='EL93TS1'=I9'1H.C0X+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0X+C<U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@8V]L<W!A
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M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^
M/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0S(')O=W-P86X],T0Q('-T
M>6QE/3-$=VED=&@Z,C4W+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,C4W+C(U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y';&]B86P@3F5T=V]R:R!397)V:6-E<R!P87)T;F5R
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M.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@
M,3<S(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M(#$W,2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA
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M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-3$S
M(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C0R<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0R<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-#8V
M(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#,@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HR-3<N,C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-3<N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/DYE="!R96%L:7IE9"!G86EN<R!A
M;F0@;&]S<V5S(&]N(&EN=F5S=&UE;G0@<V5C=7)I=&EE<SPO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,C`@/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,S<@/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,3`P(#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,G!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#$P,B`\+V9O
M;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0S(')O=W-P86X],T0Q
M('-T>6QE/3-$=VED=&@Z,C4W+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4W+C(U<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/=&AE<CPO9F]N=#X\<W5P/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/BAA*3PO9F]N=#X\+W-U<#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-#`P(#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M,G!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M(#,Y,R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`Q
M+#`V-B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
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M=#MC;VQO<CHC,#`P,#`P.R<@/B`Q+#$S-R`\+V9O;G0^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
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M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4
M;W1A;"!/=&AE<B!R979E;G5E<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C9P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N
M,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^-3DS/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#)P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#)P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C8P,3PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C9P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C$L-C<Y/"]F;VYT/CPO=&0^
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#)P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C$L-S`U/"]F
M;VYT/CPO=&0^/"]T<CX\+W1A8FQE/CPO9&EV/CQP('-T>6QE/3-$;&EN92UH
M96EG:'0Z,C!P=#L@+SX\9&EV/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T
M:69Y.VQI;F4M:&5I9VAT.C$R<'0[(#X\+W`^/'5L/CQL:2!S='EL93TS1&QI
M<W0M<W1Y;&4Z;&]W97(M86QP:&$[=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I
M;BUT;W`Z-G!T.VUA<F=I;BUB;W1T;VTZ,G!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^
M3W1H97(@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/FEN8VQU9&4\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[)R`^<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#X@<F5V96YU97,@
M87)I<VEN9R!F<F]M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/B!F;W)E:6=N(&5X
M8VAA;F=E(&=A:6YS(&]N(&-R;W-S+6)O<F1E<B!#87)D($UE;6)E<B!S<&5N
M9&EN9RP@;65R8VAA;G0M<F5L871E9"!F965S+"`\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[)R`^:6YS=7)A;F-E('!R96UI=6US(&5A<FYE9"!F<F]M(#PO9F]N=#X\
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M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^+7)E;&%T960@<F5V
M96YU97,L(')E=F5N=65S(')E;&%T960@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@
M/G1O('1H92!'0E0@2E8@=')A;G-I=&EO;B!S97)V:6-E<R!A9W)E96UE;G0L
M(&5A<FYI;F=S(&9R;VT@97%U:71Y(&UE=&AO9"!I;G9E<W1M96YT<R!A;F0@
M;W1H97(@;6ES8V5L;&%N96]U<R!R979E;G5E(&%N9"!F965S+B`\+V9O;G0^
M/"]L:3X\+W5L/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VQI;F4M
M:&5I9VAT.C$R<'0[(#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I
M9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HV<'0[;&EN92UH96EG
M:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F=#HP<'0[)R`^5&AE
M(&9O;&QO=VEN9R!I<R!A(&1E=&%I;"!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4]
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M:7IE.C$Q<'0[)R`^(&%N9"!O=&AE<CH@/"]F;VYT/CPO<#X\+V1I=CX\<"!S
M='EL93TS1&QI;F4M:&5I9VAT.C(P<'0[("\^/&1I=CX\=&%B;&4@<W1Y;&4]
M,T1B;W)D97(M8V]L;&%P<V4Z8V]L;&%P<V4[(#X\='(@/CQT9"!S='EL93TS
M1'=I9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(S-BXR-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(S-BXR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
M8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#,N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3`S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E1H<F5E
M($UO;G1H<R!%;F1E9#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$-2!R;W=S<&%N/3-$,2!S='EL93TS
M1'=I9'1H.C$P,RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^3FEN92!-;VYT:',@16YD960\+V9O;G0^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
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M97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,#,N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^4V5P=&5M8F5R(#,P+#PO9F]N
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M:61T:#HQ,#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M4V5P=&5M8F5R(#,P+#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A
M;CTS1#,@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR-3<N,C5P=#MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR
M-3<N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7-T>6QE.FET86QI8SMC;VQO
M<CHC,#`P,#`P.R<@/BA-:6QL:6]N<RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HT."XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT."XW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D
M(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-#@N-S5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#@N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C(P
M,3,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO
M=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z
M-#@N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#@N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
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M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$S/"]F;VYT/CPO=&0^/"]T<CX\
M='(@/CQT9"!C;VQS<&%N/3-$,R!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H
M.C(U-RXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C(U-RXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^36%R:V5T:6YG(&%N9"!P<F]M;W1I;VX\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q
M+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/B`X,#D@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`X,C<@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^(#(L-#`W(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,BPR,S0@/"]F;VYT/CPO=&0^
M/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,R!R;W=S<&%N/3-$,2!S='EL93TS
M1'=I9'1H.C(U-RXR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C(U-RXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^0V%R9"!-96UB97(@<F5W87)D<SPO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#X@,2PV.34@/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,2PV,3D@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-2PP-3`@/"]F;VYT
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@-"PW-#`@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS
M<&%N/3-$,R!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C(U-RXR-7!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C(U-RXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^0V%R
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M9#MC;VQO<CHC,#`P,#`P.R<@/B`R,#4@/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@
M,3DW(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
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M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#8Q
M.2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T
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M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`U-SD@/"]F;VYT/CPO=&0^/"]T<CX\
M='(@/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\+W1D/CQT9"!C
M;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C(T-BXW-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(T
M-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P@
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M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^
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M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
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M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#YA;F0@;W1H97(\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0Q+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`R+#<P.2`\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^,BPV-#,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
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M;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@."PP-S8@/"]F;VYT/CPO=&0^
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M(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N
M,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/C<L-34S/"]F;VYT/CPO=&0^/"]T<CX\+W1A8FQE/CPO9&EV/CQP('-T
M>6QE/3-$;&EN92UH96EG:'0Z,C!P=#L@+SX\9&EV/CQP('-T>6QE/3-$=&5X
M="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^0V%R9"!-96UB97(\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B!R97=A<F1S(&5X<&5N<V4@:6YC;'5D
M97,@=&AE(&-O<W1S(&]F(')E=V%R9',@<')O9W)A;7,\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.R<@/BP@:6YC;'5D:6YG($UE;6)E<G-H:7`@4F5W87)D<SPO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[)R`^(&%N9"!C;RUB<F%N9"!A<G)A;F=E;65N=',\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/BX@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG
M(#Y#87)D($UE;6)E<CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^('-E<G9I8V5S
M(&5X<&5N<V4@:6YC;'5D97,@<')O=&5C=&EO;B!P;&%N<R!A;F0@8V]M<&QI
M;65N=&%R>2!S97)V:6-E<R!P<F]V:61E9"!T;R`\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,7!T.R<@/D-A<F0@365M8F5R/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YS+CPO
M9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;&EN92UH
M96EG:'0Z,3)P=#L@/CPO<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF
M>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C9P=#ML:6YE+6AE:6=H
M=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.VUA<F=I;BUL969T.C!P=#LG(#Y4:&4@
M9F]L;&]W:6YG(&ES(&$@9&5T86EL(&]F(#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[
M)R`^3SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^=&AE<BP@;F5T/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3%P=#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YE>'!E;G-E
M<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^.B`\+V9O;G0^/"]P/CPO9&EV/CQP
M('-T>6QE/3-$;&EN92UH96EG:'0Z,C!P=#L@+SX\9&EV/CQT86)L92!S='EL
M93TS1&)O<F1E<BUC;VQL87!S93IC;VQL87!S93L@/CQT<B`^/'1D('-T>6QE
M/3-$=VED=&@Z,C4W+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,C4W+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$-2!R;W=S<&%N/3-$,2!S
M='EL93TS1'=I9'1H.C$P,RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^5&AR964@36]N=&AS($5N9&5D/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0U
M(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3`S+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E
M;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P,RXU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.:6YE($UO;G1H<R!%;F1E
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M=VED=&@Z,3`S+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$P,RXU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y397!T96UB97(@,S`L/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0U(')O
M=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3`S+C5P=#MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P,RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y397!T96UB97(@,S`L
M/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C(U-RXR
M-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C(U-RXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M<W1Y;&4Z:71A
M;&EC.V-O;&]R.B,P,#`P,#`[)R`^*$UI;&QI;VYS*3PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@8V]L<W!A
M;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HT."XW-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT."XW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XR,#$T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P
M=#L@/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$
M=VED=&@Z-#@N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#@N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/C(P,3,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C9P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T
M>6QE/3-$=VED=&@Z-#@N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-#@N-S5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
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M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$S/"]F;VYT
M/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C(U-RXR-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U-RXR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^4')O9F5S<VEO
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M:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#XW,S$\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^-SDS/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M,BPR-#`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^,BPR-S(\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$
M=VED=&@Z,C4W+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,C4W+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y/8V-U<&%N8WD@86YD(&5Q=6EP;65N=#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y
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M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^-#,R/"]F;VYT/CPO=&0^/'1D('-T
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M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XT-C(\
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M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C$L,S8Q/"]F;VYT/CPO
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XQ+#,Y-#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W
M:61T:#HR-3<N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HR-3<N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/D-A<F0M<F5L871E9"!F<F%U9"!L;W-S97,\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M;VQD.V-O;&]R.B,P,#`P,#`[)R`^.38\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N
M,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C<S/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR.#(\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C(R
M.3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HR-3<N
M,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HR-3<N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
M/D-O;6UU;FEC871I;VYS/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
M.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XY,3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^.30\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
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M,#`P,#`P.R<@/C(X-3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,C@R/"]F;VYT/CPO=&0^/"]T
M<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C(U-RXR-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U-RXR-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^1V%I;B!O;B!B=7-I;F5S
M<R!T<F%V96P@:F]I;G0@=F5N='5R92!T<F%N<V%C=&EO;CPO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#XH,34I/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S
M.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T
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M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^*#8T,2D\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#$N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/B`F(S@R,3,[/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL
M93TS1'=I9'1H.C(U-RXR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U-RXR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^3W1H97(\+V9O;G0^/'-U<#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XH82D\+V9O;G0^/"]S=7`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(V,3PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR
M-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^,C8Y/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XX
M-C8\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T
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M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C<S-#PO9F]N=#X\+W1D/CPO='(^/'1R
M(#X\=&0@<W1Y;&4],T1W:61T:#HR-3<N,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-3<N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E1O=&%L($]T:&5R+"!N970\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
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M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ
M+#4Y-CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL
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M;W(Z(S`P,#`P,#LG(#XQ+#8Y,3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C9P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q
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M9#MC;VQO<CHC,#`P,#`P.R<@/C0L,SDS/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C0L.3$Q/"]F;VYT
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M(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^("AO=&AE<B!T:&%N('1H92!B=7-I
M;F5S<R!T<F%V96P@:F]I;G0@=F5N='5R92!T<F%N<V%C=&EO;BD\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[)R`^+"!L:71I9V%T:6]N+"`\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[)R`^8V5R=&%I;B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^:6YT97)N86P@
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M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y
M/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7SAC8S9C965C7S0Y,&)?
M-#)F.5\X,F0P7S9A,C,Q,68W-S`Y80T*0V]N=&5N="U,;V-A=&EO;CH@9FEL
M93HO+R]#.B\X8V,V8V5E8U\T.3!B7S0R9CE?.#)D,%\V83(S,3%F-S<P.6$O
M5V]R:W-H965T<R]3:&5E=#(T+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC
M;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H
M=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*
M("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS
M1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E
M>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@
M5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@
M("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%344^#0H@("`@("`\
M='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P
M86X],T0R/CQS=')O;F<^0V]N=&EN9V5N8VEE<SQB<CX\+W-T<F]N9SX\+W1H
M/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,3XY($UO;G1H
M<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*("`@("`@
M("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$T/&)R/CPO=&@^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D-O;G1I;F=E;F-I97,@
M1&ES8VQO<W5R92!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y#;VYT:6YG96YC:65S/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/&1I=CX\<"!S='EL93TS1'1E>'0M86QI
M9VXZ;&5F=#MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C!P=#ML:6YE
M+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[
M;6%R9VEN+6QE9G0Z+3$Y+C0U<'0[)R`^,34\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.V9O;G0M=V5I9VAT.F)O;&0[)R`^+B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O
M;G0M=V5I9VAT.F)O;&0[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[9F]N="UW
M96EG:'0Z8F]L9#LG(#Y#;VYT:6YG96YC:65S/"]F;VYT/CPO<#X\<"!S='EL
M93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.CEP=#MM87)G:6XM
M8F]T=&]M.C!P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G
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M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YA;F0@<F5G=6QA=&]R>2`\+V9O
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M>F4Z,3%P=#LG(#XI+B!!<R!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/E-E
M<'1E;6)E<B`S,#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^+"`\+V9O;G0^/&9O
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M.C$Q<'0[)R`^86YD(&]U='-I9&4@=&AE(%4N4RX@5&AE($-O;7!A;GD@9&ES
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M;B!T:&4@06YN=6%L(%)E<&]R="`H8V]L;&5C=&EV96QY+"!,96=A;"!0<F]C
M965D:6YG<RDN/"]F;VYT/CPO<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S
M=&EF>3ML:6YE+6AE:6=H=#HQ,G!T.R`^/"]P/CQP('-T>6QE/3-$=&5X="UA
M;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,'!T
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M="US:7IE.C$Q<'0[)R`^8FQE('1H870@82!L;W-S(&AA<R!O8V-U<G)E9"!A
M;F0@*&(I('1H92!A;6]U;G0@;V8@;&\\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@
M/G-S(&-A;B!B92!R96%S;VYA8FQY(&5S=&EM871E9"X@5#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[)R`^:&5R92!M87D@8F4@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG
M(#YI;G-T86YC97,@:6X@=VAI8V@@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YA
M;B!E>'!O<W5R92!T;R!L;W-S(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^97AC
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M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^;FUE;G1A;"!E>&%M:6YA=&EO
M;G,@=&AA="!C;W5L9"!C875S92!A;B!I;F-R96%S92!O<B!D96-R96%S92!I
M;B!T:&4@86UO=6YT(&]F('1H92!L:6%B:6QI='D@=&AA="!H87,@8F5E;B!P
M<F5V:6]U<VQY(&%C8W)U960\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B!O<B!A
M(')E=FES:6]N('1O('1H92!D:7-C;&]S960@97-T:6UA=&5D(')A;F=E(&]F
M('!O<W-I8FQE(&QO<W-E<RP@87,@87!P;&EC86)L93PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^+B`\+V9O;G0^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ
M=7-T:69Y.VQI;F4M:&5I9VAT.C$R<'0[(#X\+W`^/'`@<W1Y;&4],T1T97AT
M+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HP
M<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F
M=#HP<'0[)R`^5&AE($-O;7!A;GDF(S@R,3<[<R!L96=A;"!P<F]C965D:6YG
M<R!R86YG92!F<F]M(&-A<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^97,@8G)O
M=6=H="!B>2!A('-I;F=L92!P;&%I;G1I9F8@=&\@8VQA<W,@86-T:6]N<R!W
M:71H(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^;6EL;&EO;G,@/"]F;VYT/CQF
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^('5N<W!E8VEF
M:65D(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^86UO=6YT(&]F(&1A;6%G97,@
M;W(@87)E(&%T('9E<GD@96%R;'D@<W1A9V5S(&]F('1H92!L96=A;"!P<F]C
M97-S+B!%=F5N('=H96X@=&AE(&%M;W5N="!O9B!D86UA9V5S(&-L86EM960@
M86=A:6YS="!T:&4@0V]M<&%N>2!A<F4@<W1A=&5D+"!T:&4@8VQA:6UE9"!A
M;6]U;G0@;6%Y(&)E(&5X86=G97)A=&5D(&%N9"]O<B!U;G-U<'!O<G1E9"X@
M07,@82!R97-U;'0L('-O;64@;6%T=&5R<R!H879E(&YO="!Y970@<')O9W)E
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YS<V5D('-U9F9I8VEE;G1L>2!T:')O
M=6=H(&1I<V-O=F5R>2!A;F0O;W(@9&5V96QO<&UE;G0@;V8@:6UP;W)T86YT
M(&9A8W1U86P@:6YF;W)M871I;VX@86YD(&QE9V%L(&ES<W5E<R!T;R!E;F%B
M;&4@=&AE($-O;7!A;GD@=&\@97-T:6UA=&4@82!R86YG92!O9B!P;W-S:6)L
M92!L;W-S+CPO9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I
M9GD[;&EN92UH96EG:'0Z,3)P=#L@/CPO<#X\<"!S='EL93TS1'1E>'0M86QI
M9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C!P=#ML
M:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
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M)R`^<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(&1I<V-L;W-E9"`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,7!T.R<@/F]R(')E9F5R<F5D('1O(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^:6X@3&5G86P@4')O8V5E9&EN9W,@/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#LG(#YW:&5R93PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(&$@;&]S<R!I
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M;CMF;VYT+7-I>F4Z,3%P=#LG(#XS-3`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@
M/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/FUI;&QI;VX@:6X@97AC93PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[)R`^<W,@;SPO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^
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M,G!T.R`^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I
M;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,'!T.VQI;F4M:&5I9VAT.C$R<'0[
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M.C$Q<'0[)R`^(&9O<B!T:&%T('!E<FEO9"X\+V9O;G0^/"]P/CPO9&EV/CQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*
M("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?.&-C-F-E
M96-?-#DP8E\T,F8Y7S@R9#!?-F$R,S$Q9C<W,#EA#0I#;VYT96YT+4QO8V%T
M:6]N.B!F:6QE.B\O+T,Z+SAC8S9C965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q
M,68W-S`Y82]7;W)K<VAE971S+U-H965T,C4N:'1M;`T*0V]N=&5N="U4<F%N
M<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E
M.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@
M/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C
M;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T
M>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T
M(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB
M;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$,$5-13X-
M"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS
M1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY297!O<G1A8FQE($]P97)A=&EN9R!3
M96=M96YT/&)R/CPO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS
M1'1H(&-O;'-P86X],T0Q/CD@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@
M,S`L(#(P,30\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/CQS=')O;F<^4V5G;65N="!297!O<G1I;F<@6T%B<W1R86-T73PO<W1R;VYG
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4F5P;W)T86)L
M92!/<&5R871I;F<@4V5G;65N=',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\9&EV/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA
M<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,'!T.VQI;F4M:&5I9VAT.C$R
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$Q<'0[9F]N="UW96EG:'0Z8F]L9#MM87)G:6XM;&5F
M=#HM,C`N,35P=#LG(#XQ-CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[9F]N="UW96EG
M:'0Z8F]L9#LG(#XN("`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT
M.F)O;&0[)R`^4F5P;W)T86)L92!/<&5R871I;F<@4V5G;65N=',\+V9O;G0^
M/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z
M.7!T.VUA<F=I;BUB;W1T;VTZ,'!T.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[;6%R9VEN+6QE9G0Z,'!T.R<@/E1H92!#;VUP86YY(&ES(&$@
M;&5A9&EN9R!G;&]B86P@<&%Y;65N=',@86YD('1R879E;"!C;VUP86YY('1H
M870@:7,@<')I;F-I<&%L;'D@96YG86=E9"!I;B!B=7-I;F5S<V5S(&-O;7!R
M:7-I;F<@9F]U<B!R97!O<G1A8FQE(&]P97)A=&EN9R!S96=M96YT<SH@55-#
M4RP@24-3+"!'0U,@86YD(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^1VQO8F%L
M($YE='=O<FL@365R8VAA;G0@4V5R=FEC97,@*#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[)R`^1TY-4SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^*2X\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/D-O<G!O<F%T
M92!F=6YC=&EO;G,@86YD(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^8V5R=&%I
M;B!O=&AE<CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(&)U<VEN97-S97,L(&EN
M8VQU9&EN9R!T:&4@0V]M<&%N>28C.#(Q-SMS(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[)R`^16YT97)P<FES92!'<F]W=&@@1W)O=7`L(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^87,@=V5L;"!A<R!O=&AE<B!#;VUP86YY(&]P97)A=&EO;G,@
M87)E(&EN8VQU9&5D(&EN($-O<G!O<F%T928C,38P.R9A;7`[($]T:&5R+CPO
M9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;&EN92UH
M96EG:'0Z,3)P=#L@/CPO<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF
M>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C9P=#ML:6YE+6AE:6=H
M=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.VUA<F=I;BUL969T.C!P=#LG(#Y4:&4@
M9F]L;&]W:6YG('1A8FQE('!R97-E;G1S(&-E<G1A:6X@<V5L96-T960@9FEN
M86YC:6%L(&EN9F]R;6%T:6]N(&9O<B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@
M/G1H92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/G1H<F5E(&%N9"!N:6YE(&UO
M;G1H<R!E;F1E9#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT('-T>6QE/3-$
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M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#0@<F]W
M<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#$N,C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E
M<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P,2XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^5&AR964@36]N=&AS($5N9&5D
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M
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M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`Q+C(U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.:6YE($UO;G1H<R!%
M;F1E9#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ
M,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(S-"XW
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C(S-"XW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CPO=&0^/'1D(&-O;'-P86X],T0T(')O=W-P86X],T0Q('-T>6QE/3-$
M=VED=&@Z,3`Q+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E<B`S,"P\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0T(')O=W-P
M86X],T0Q('-T>6QE/3-$=VED=&@Z,3`Q+C(U<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIC
M96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,#$N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E<B`S,"P\
M+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X]
M,T0Q('-T>6QE/3-$=VED=&@Z,C0V<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C0V<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[9F]N="US='EL93II=&%L:6,[8V]L;W(Z(S`P,#`P,#LG(#XH36EL;&EO
M;G,I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E<BUT;W`M
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M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M,C`Q-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
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M=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^/"]T9#X\+W1R/CQT<B`^
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M,#`P,#`P.R<@/DYO;BUI;G1E<F5S="!R979E;G5E<SH\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
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M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0S+C5P=#L@/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N
M/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C(T-G!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(T-G!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^55-#4SPO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XS+#(Q-#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/C,L,#4P/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-G!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/CDL-#4S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^."PY.3$\+V9O;G0^
M/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T
M>6QE/3-$=VED=&@Z,C0V<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,C0V<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y)0U,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XQ+#(P-CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N
M-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF
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M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ+#$V,3PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
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M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C,L-3<Q/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/C,L-#$U/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N
M/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C(T-G!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(T-G!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^1T-3/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^.34W/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/C$L,C<W/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,RPU
M,S@\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,RPW.#<\+V9O;G0^/"]T9#X\+W1R
M/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED
M=&@Z,C0V<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C0V<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
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M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ+#,V
M.#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/C$L,S`Y/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^-"PP,C<\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XS+#@U-CPO9F]N=#X\
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M<CHC,#`P,#`P.R<@/D-O<G!O<F%T92`F86UP.R!/=&AE<BP@:6YC;'5D:6YG
M(&%D:G5S=&UE;G1S(&%N9"!E;&EM:6YA=&EO;G,\+V9O;G0^/'-U<#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XH82D\+V9O;G0^/"]S=7`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^
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M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ.#D\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\
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M8V]L;W(Z(S`P,#`P,#LG(#XR,C$\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB
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M,#`P,#`P.R<@/C4T.#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N
M-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C8U,#PO9F]N
M=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q
M+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(S-"XW-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(S-"XW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XV+#DS
M-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@
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M;VQO<CHC,#`P,#`P.R<@/C<L,#$X/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-G!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/C(Q+#$S-SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
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M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C(P+#8Y.3PO
M9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q
M+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(S-"XW-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(S-"XW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
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M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/"]T9#X\+W1R/CQT
M<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z
M,C0V<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,C0V<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/DEN=&5R97-T(&EN8V]M93H\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0S+C5P=#L@/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S
M<&%N/3-$,2!S='EL93TS1'=I9'1H.C(T-G!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(T-G!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^55-#4SPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ+#0V-3PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/C$L-#`X/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/C0L,CDV/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
M.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^-"PQ-#@\+V9O;G0^/"]T9#X\+W1R
M/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED
M=&@Z,C0V<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C0V<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y)0U,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR
M-S,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,C@Q/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^.#(U/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
M/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C@S,#PO9F]N
M=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@
M<W1Y;&4],T1W:61T:#HR-#9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HR-#9P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/D=#4SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
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M,#`P,#`P.R<@/C0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q
M-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,SPO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M9#MC;VQO<CHC,#`P,#`P.R<@/C$Q/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/CD\
M+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X]
M,T0Q('-T>6QE/3-$=VED=&@Z,C0V<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C0V<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y'3DU3/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XQ-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N
M-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C@\+V9O;G0^/"]T9#X\
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M=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#XS-3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C(S/"]F;VYT
M/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S
M='EL93TS1'=I9'1H.C(T-G!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(T-G!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^0V]R<&]R871E("9A;7`[($]T:&5R+"!I;F-L=61I
M;F<@861J=7-T;65N=',@86YD(&5L:6UI;F%T:6]N<SPO9F]N=#X\<W5P/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/BAA*3PO9F]N=#X\+W-U<#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T
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M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C4Y/"]F;VYT
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M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^-C<\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB
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M,#`P,#`P.R<@/C$X,SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N
M-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C(Q,SPO9F]N
M=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q
M+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(S-"XW-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(S-"XW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ+#@Q
M-3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@
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M;VQO<CHC,#`P,#`P.R<@/C$L-S8W/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-G!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/C4L,S4P/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^-2PR,C,\+V9O
M;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,S0N-S5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
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M;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#,N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT,RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
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M9'1H.C(T-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#Y);G1E<F5S="!E>'!E;G-E.CPO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@
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M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
M/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\
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M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#,N-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P
M86X],T0Q('-T>6QE/3-$=VED=&@Z,C0V<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C0V<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y54T-3/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-#,N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C$U,CPO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
M/C$W,CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XT
M-34\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-#,N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XU,S(\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D
M(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,C0V<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,C0V<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y)0U,\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XX-3PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-#,N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XX-CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/C(U.3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V
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M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XR-S,\+V9O;G0^/"]T9#X\+W1R
M/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED
M=&@Z,C0V<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C0V<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y'0U,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XV
M,3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
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M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XU.3PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
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M,#`P,#`P.R<@/C$X-CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N
M-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF
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M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ.#$\+V9O;G0^
M/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T
M>6QE/3-$=VED=&@Z,C0V<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,C0V<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y'3DU3/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
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M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
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M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^*#8R*3PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
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M;VQO<CHC,#`P,#`P.R<@/B@R,#@I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^*#$X-RD\
M+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X]
M,T0Q('-T>6QE/3-$=VED=&@Z,C0V<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C0V<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y#;W)P;W)A=&4@)F%M<#L@3W1H97(L(&EN
M8VQU9&EN9R!A9&IU<W1M96YT<R!A;F0@96QI;6EN871I;VYS/"]F;VYT/CQS
M=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^*&$I/"]F;VYT/CPO
M<W5P/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,3DP
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M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,C(Y/"]F;VYT/CPO=&0^/'1D('-T
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M=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#XV,3`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
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M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XV
M.38\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$N
M,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,S0N-S5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HR,S0N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E1O
M=&%L/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\
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M;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^-#(P/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N
M-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C
M,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^-#@T/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/C$L,S`R/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,2PT.34\
M+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,S0N-S5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
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M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT,RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
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M+7=I9'1H.C(T-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#Y4;W1A;"!R979E;G5E<R!N970@;V8@:6YT97)E
M<W0@97AP96YS93H\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q
M-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[
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M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
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M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O
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M+7=I9'1H.C(T-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M55-#4SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V
M,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XT+#4R-SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N
M-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF
M(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C0L,C@V/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-#,N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C$S+#(Y-#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/C$R+#8P-SPO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS
M1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR-#9P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-#9P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/DE#4SPO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@
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M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C$L,SDT/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/C$L,S4V/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^-"PQ
M,S<\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,RPY-S(\+V9O;G0^/"]T9#X\+W1R
M/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED
M=&@Z,C0V<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C0V<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y'0U,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XY
M,#`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,2PR,C$\+V9O;G0^/"]T9#X\=&0@
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M=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#XS+#,V,SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
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M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XS+#8Q
M-3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HR-#9P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-#9P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/D=.35,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M<CHC,#`P,#`P.R<@/C$L-#4P/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
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M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,2PS-SD\+V9O
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M;&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XT+#(W,#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/C0L,#8V/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$
M,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C(T-G!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(T-G!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^0V]R<&]R871E("9A;7`[
M($]T:&5R+"!I;F-L=61I;F<@861J=7-T;65N=',@86YD(&5L:6UI;F%T:6]N
M<SPO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/BAA
M*3PO9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF
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M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/C4X/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T
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M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^-3D\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C$R,3PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT,RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/C$V-SPO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C(S-"XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C(S-"XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^5&]T86P\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XX+#,R.3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C@L,S`Q/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(U+#$X-3PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/C(T+#0R-SPO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C(S-"XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C(S-"XW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M,RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0S+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
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M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T
M.R`^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q
M('-T>6QE/3-$=VED=&@Z,C0V<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,C0V<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/DYE="!I;F-O;64@*&QO
M<W,I.CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V
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M=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT
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M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D
M(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,C0V<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,C0V<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y54T-3/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/C@X.3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V
M,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/C<X,CPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S
M+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#XR+#4S-3PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C(L,S(Y/"]F
M;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$
M,2!S='EL93TS1'=I9'1H.C(T-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(T-G!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^24-3/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^,30R/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
M/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C$T,CPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
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M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C,W.#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#,N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XU,C@\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R
M(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,C0V<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C0V<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y'0U,\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR,#0\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^,C8Q/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^.30Y/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/C8W.#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@
M8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR-#9P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR
M-#9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/D=.35,\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T
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M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C0R-SPO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/C,Y,3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C$L,C0S
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M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^,2PQ-S8\+V9O;G0^/"]T9#X\+W1R/CQT<B`^
M/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,C0V
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,C0V<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y#
M;W)P;W)A=&4@)F%M<#L@3W1H97(L(&EN8VQU9&EN9R!A9&IU<W1M96YT<R!A
M;F0@96QI;6EN871I;VYS/"]F;VYT/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^*&$I/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M,RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^*#$X-2D\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XH,C$P*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M*#8V-RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M8F]T
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M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XH-C8P*3PO9F]N=#X\+W1D
M/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(S-"XW-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(S-"XW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ+#0W-SPO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/C$L,S8V/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-G!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/C0L-#,X/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-BXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^-"PP
M-3$\+V9O;G0^/"]T9#X\+W1R/CPO=&%B;&4^/"]D:78^/'`@<W1Y;&4],T1L
M:6YE+6AE:6=H=#HR,'!T.R`O/CQD:78^/'`@<W1Y;&4],T1T97AT+6%L:6=N
M.FIU<W1I9GD[;&EN92UH96EG:'0Z,3,N.'!T.R`^/"]P/CQU;#X\;&D@<W1Y
M;&4],T1L:7-T+7-T>6QE.FQO=V5R+6%L<&AA.W1E>'0M86QI9VXZ:G5S=&EF
M>3MM87)G:6XM=&]P.C9P=#MM87)G:6XM8F]T=&]M.C-P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.R<@/D-O<G!O<F%T928C,38P.R9A;7`[($]T:&5R(&EN8VQU9&5S(&%D
M:G5S=&UE;G1S(&%N9"!E;&EM:6YA=&EO;G,@9F]R(&EN=&5R<V5G;65N="!A
M8W1I=FET>2X\+V9O;G0^/"]L:3X\+W5L/CPO9&EV/CQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\
M+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?.&-C-F-E96-?-#DP8E\T,F8Y
M7S@R9#!?-F$R,S$Q9C<W,#EA#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O
M+T,Z+SAC8S9C965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y82]7;W)K
M<VAE971S+U-H965T,C8N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN
M9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[
M(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@
M/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E
M>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J
M879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES
M($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT
M86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$,$563D%#/@T*("`@("`@/'1R
M/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N
M/3-$,CX\<W1R;VYG/E-I9VYI9FEC86YT($%C8V]U;G1I;F<@4&]L:6-I97,@
M*%!O;&EC:65S*3QB<CX\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA
M<W,],T1T:"!C;VQS<&%N/3-$,3XY($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y3
M97`N(#,P+"`R,#$T/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/D%C8V]U;G1S(%)E8V5I=F%B;&4@06YD($QO86YS(&%N
M9"!297-E<G9E<R!&;W(@0V%R9"!-96UB97(@3&]S<V5S(%M!8G-T<F%C=%T\
M+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-A
M<F0@365M8F5R(&%N9"!/=&AE<B!296-E:79A8FQE<R!A;F0@3&]A;G,\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\9&EV/CQP('-T>6QE/3-$
M=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z.7!T.VUA<F=I;BUB;W1T
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M;V1U8W1S(')E<W5L="!I;B!T:&4@9V5N97)A=&EO;B!O9B`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.R<@/D-A<F0@365M8F5R/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG
M(#X@<F5C96EV86)L97,@86YD(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^0V%R
M9"!-96UB97(\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B!L;V%N<RP@<F5S<&5C
M=&EV96QY+B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
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M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^,CPO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^("8C.#(Q,3L@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#XW-CPO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$Q<'0[)R`^(&]F('1H92!!;FYU86P@4F5P;W)T+CPO
M9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;&EN92UH
M96EG:'0Z,3)P=#L@/CPO<#X\+V1I=CX\<"!S='EL93TS1&QI;F4M:&5I9VAT
M.C(P<'0[("\^/&1I=CX\<"!S='EL93TS1'1E>'0M86QI9VXZ;&5F=#MM87)G
M:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C9P=#ML:6YE+6AE:6=H=#HQ,G!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[=&5X="UD96-O<F%T
M:6]N.G5N9&5R;&EN93MM87)G:6XM;&5F=#HP<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y);7!A:7)E9"!#87)D($UE;6)E<B!,;V%N<R!A;F0@4CPO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[9F]N="UW96EG:'0Z8F]L9#MT97AT+61E8V]R871I;VXZ=6YD
M97)L:6YE.V-O;&]R.B,P,#`P,#`[)R`^96-E:79A8FQE<SPO9F]N=#X\+W`^
M/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[
M;6%R9VEN+6)O='1O;3HP<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#MM87)G:6XM;&5F=#HP<'0[8V]L;W(Z(S`P,#`P,#LG(#Y);7!A:7)E
M9"!L;V%N<R!A;F0@<F5C96EV86)L97,@87)E(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[8V]L;W(Z(S`P,#`P,#LG(#YI;F1I=FED=6%L(&QA<F=E<B!B86QA;F-E
M(&]R(&AO;6]G96YE;W5S('!O;VQS(&]F('-M86QL97(@8F%L86YC92!L;V%N
M<R!A;F0@<CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#YE
M8V5I=F%B;&5S(&9O<B!W:&EC:"!I="!I<R!P<F]B86)L92!T:&%T('1H92!#
M;VUP86YY('=I;&P@8F4@=6YA8FQE('1O(&-O;&QE8W0@86QL(&%M;W5N=',@
M9'5E(&%C8V]R9&EN9R!T;R!T:&4@;W)I9VEN86P@8V]N=')A8W1U86P@=&5R
M;7,@;V8@=&AE(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y#87)D($UE;6)E<B!A9W)E96UE;G0N($9O<CPO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[8V]L;W(Z(S`P,#`P,#LG(#X@:6YF;W)M871I;VX@;VX@:6UP86ER960@
M0V$\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^<F0@365M
M8F5R(&QO86YS(&%N9"!R96-E:79A8FQE<R!A;F0@=&AE(')E;&%T960@/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/F%C8V]U;G1I;F<@
M<&]L:6-I97,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^
M+"!R969E<B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^
M=&\@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/DYO=&4@
M-"!O;B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^<&%G
M97,@-SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#XT("8C
M.#(Q,3L@-S8@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@
M/F]F('1H92!!;FYU86P@4F5P;W)T+CPO9F]N=#X\+W`^/'`@<W1Y;&4],T1T
M97AT+6%L:6=N.FIU<W1I9GD[;&EN92UH96EG:'0Z,3)P=#L@/CPO<#X\+V1I
M=CX\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/CQS=')O;F<^4F5S97)V97,@1F]R($QO<W-E<R!0;VQI8WD@6T%B<W1R
M86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^4F5S97)V97,@9F]R(&QO<W-E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQD:78^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[
M;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HP<'0[;&EN92UH96EG:'0Z
M,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F=#HP<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y297-E<G9E<R!F;W(@;&]S<V5S(')E;&%T:6YG('1O(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#Y#87)D($UE;6)E<CPO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#X@;&]A;G,@86YD
M(')E8V5I=F%B;&5S(')E<')E<V5N="!M86YA9V5M96YT)B,X,C$W.W,@8F5S
M="!E<W1I;6%T92!O9B!T:&4@<')O8F%B;&4@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P
M=#MC;VQO<CHC,#`P,#`P.R<@/FQO<W-E<R`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.V-O;&]R.B,P,#`P,#`[)R`^:6YH97)E;G0@:6X@=&AE($-O;7!A;GDF(S@R
M,3<[<R!O=71S=&%N9&EN9R!P;W)T9F]L:6\@;V8@;&]A;G,@86YD(')E8V5I
M=F%B;&5S+#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#X@
M87,@;V8@=&AE(&)A;&%N8V4@<VAE970@9&%T92X@/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#MC;VQO<CHC,#`P,#`P.R<@/DUA;F%G96UE;G0F(S@R,3<[<R!E=F%L
M=6%T:6]N('!R;V-E<W,@<F5Q=6ER97,@8V5R=&%I;B!E<W1I;6%T97,@86YD
M(&IU9&=M96YT<RX@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P
M.R<@/D9O<B!I;F9O<FUA=&EO;B!O;B!T:&4@0V]M<&%N>28C.#(Q-SMS(')E
M<V5R=F5S(&9O<B!L;W-S97,@86YD('1H92!R96QA=&5D(&%C8V]U;G1I;CPO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#YG('!O;&EC:65S
M+"!R969E<B!T;R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[
M)R`^3F]T92`U/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@
M/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^;VX@<&%G
M97,@-S<@)B,X,C$Q.R`W.#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@;V8@=&AE($%N;G5A;"!297!O<G0N(#PO9F]N=#X\+W`^/'`@
M<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;&EN92UH96EG:'0Z,3)P=#L@
M/CPO<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ;&5F=#MM87)G:6XM=&]P.C!P
M=#MM87)G:6XM8F]T=&]M.C!P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/"]P/CPO
M9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^/'-T<F]N9SY);G9E<W1M96YT<R!;06)S=')A8W1=/"]S=')O;F<^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G9E<W1M96YT
M<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQD:78^/'`@<W1Y
M;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HY<'0[;6%R9VEN
M+6)O='1O;3HP<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM
M87)G:6XM;&5F=#HP<'0[)R`^26YV97-T;65N="!S96-U<FET:65S(&EN8VQU
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M="US:7IE.C$Q<'0[)R`^87,@879A:6QA8FQE(&9O<B!S86QE+B!4:&4@0V]M
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M,7!T.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/F=A:6YS("AL;W-S97,I
M(')E8V]R9&5D(&EN(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^06-C=6UU;&%T
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^+B!296%L:7IE
M9"!G86EN<R!A;F0@;&]S<V5S(&%R92!R96-O9VYI>F5D(&EN(')E<W5L=',@
M;V8@;W!E<F%T:6]N<R!U<&]N(&1I<W!O<VET:6]N(&]F('1H92!S96-U<FET
M:65S('5S:6YG('1H92!S<&5C:69I8R!I9&5N=&EF:6-A=&EO;B!M971H;V0@
M;VX@82!T<F%D92!D871E(&)A<VES+B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@
M/D8\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/F]R(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[)R`^:6YF;W)M871I;VX@;VX@=&AE(#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[
M)R`^0V]M<&%N>28C.#(Q-SMS(&UE=&AO9&]L;V=Y(&9O<B!D93PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[)R`^=&5R;6EN:6YG('1H92!F86ER('9A;'5E(&]F(#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$Q<'0[)R`^:6YV97-T;65N="!S96-U<FET:65S/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#LG(#X@86YD(')E;&%T960@86-C;W5N=&EN9R!P
M;VQI8VEE<RP@<CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^969E<B!T;R!.;W1E
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^,SPO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[
M)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^;VX@<&%G97,@/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3%P=#LG(#XV.#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^("8C.#(Q
M,3L@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#XW,3PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^;V8@=&AE($%N;G5A;"!2
M97!O<G0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/BX\+V9O;G0^/"]P/CQP('-T
M>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VQI;F4M:&5I9VAT.C$R<'0[(#X\
M+W`^/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O/CQD:78^
M/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[
M;6%R9VEN+6)O='1O;3HP<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#MM87)G:6XM;&5F=#HP<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/=F5R86QL
M+"!F;W(@=&AE(&EN=F5S=&UE;G0@<V5C=7)I=&EE<R!I;B!G<F]S<R!U;G)E
M86QI>F5D(&QO<W,@<&]S:71I;VYS/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO
M<CHC,#`P,#`P.R<@/B`H/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P
M,#`P.R<@/FD\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^
M*28C,38P.W1H92!#;VUP86YY(&1O97,@;F]T(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[8V]L;W(Z(S`P,#`P,#LG(#YC=7)R96YT;'D@/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#MC;VQO<CHC,#`P,#`P.R<@/FEN=&5N9"!T;R!S96QL('1H92!I;G9E
M<W1M96YT(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#YS
M96-U<FET:65S+"`H:6D\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P
M,#`[)R`^*28C,38P.VET(&ES(&UO<F4@;&EK96QY('1H86X@;F]T('1H870@
M=&AE/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B!#;VUP
M86YY('=I;&P@;F]T(&)E(')E<75I<F5D('1O('-E;&P@=&AE(&EN=F5S=&UE
M;G0@<V5C=7)I=&EE<R!B969O<F4@<F5C;W9E<GD@;V8@=&AE('5N<F5A;&EZ
M960@;&]S<V5S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@
M/BP@86YD("AI:6D\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[
M)R`^*28C,38P.W1H92!#;VUP86YY(&5X<&5C=',@=&AA="!T:&4@8V]N=')A
M8W1U86P@<')I;F-I<&%L(&%N9"!I;G1E<F5S="!W:6QL(&)E(')E8V5I=F5D
M(&]N('1H92!I;G9E<W1M96YT('-E8W5R:71I97,N($%S(&$@<F5S=6QT+"!T
M:&4@0V]M<&%N>2!R96-O/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P
M,#`P.R<@/F=N:7IE9"!N;R!O=&AE<BUT:&%N+71E;7!O<F%R>2!I;7!A:7)M
M96YT/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B!D=7)I
M;F<@=&AE('!E<FEO9',@<')E<V5N=&5D+CPO9F]N=#X\+W`^/"]D:78^/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\
M<W1R;VYG/D%S<V5T(%-E8W5R:71I>F%T:6]N(%M!8G-T<F%C=%T\+W-T<F]N
M9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%S<V5T(%-E
M8W5R:71I>F%T:6]N<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQD:78^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O
M<#HP<'0[;6%R9VEN+6)O='1O;3HP<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3%P=#MM87)G:6XM;&5F=#HP<'0[)R`^5&AE($-O;7!A;GD@<&5R
M:6]D:6-A;&QY('-E8W5R:71I>F5S(#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^
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M971S+B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/D9O<B!I;F9O<FUA=&EO;B!O
M;B!T:&4@0V]M<&%N>28C.#(Q-SMS(&%S<V5T/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P
M=#LG(#X@<V5C=7)I=&EZ871I;VYS(&%N9"!R96QA=&5D(&%C8V]U;G0\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.R<@/FEN9R!P;VQI8VEE<SPO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^+#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(')E9F5R('1O(#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$Q<'0[)R`^3F]T92`W/"]F;VYT/CQF;VYT('-T>6QE
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M=#HQ,G!T.R`^/"]P/CPO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY$97)I=F%T:79E<R!!;F0@
M2&5D9VEN9R!!8W1I=FET:65S(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D1E<FEV871I=F5S/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/&1I=CX\<"!S='EL93TS1'1E
M>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M
M.C!P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.VUA<F=I;BUL
M969T.C!P=#MC;VQO<CHC,#`P,#`P.R<@/E1H92!#;VUP86YY('5S97,@9&5R
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M4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#YI;G1E<F5S
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M<'0[8V]L;W(Z(S`P,#`P,#LG(#YP86YY)B,X,C$W.W,@;6%R:V5T(')I<VL@
M;6%N86=E;65N="X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P
M.R<@/E1H92!#;VUP86X\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P
M,#`[)R`^>2!D;V5S(&YO="!E;F=A9V4@:6X@9&5R:79A=&EV97,@9F]R('1R
M861I;F<@<'5R<&]S97,N/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P
M,#`P.R<@/B!&;W(@:6YF;W)M871I;VX@;VX@=&AE($-O;7!A;GDF(S@R,3<[
M<R!D97)I=F%T:79E(&EN<W1R=6UE;G1S(&%N9"!T:&4@<F5L871E9"!A8V-O
M=6YT:6YG('!O;&EC:65S+"!R969E<B!T;R!.;W1E(#$R(&]N('!A9V5S(#@W
M("8C.#(Q,3L@.3`@;V8@=&AE($%N;G5A;"!297!O<G0N("`\+V9O;G0^/"]P
M/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VQI;F4M:&5I9VAT.C$R
M<'0[(#X\+W`^/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O
M/CQD:78^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O
M<#HV<'0[;6%R9VEN+6)O='1O;3HV<'0[;&EN92UH96EG:'0Z,3)P=#L@/CPO
M<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C9P
M=#MM87)G:6XM8F]T=&]M.C9P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[=&5X="UD96-O<F%T:6]N.G5N9&5R
M;&EN93MM87)G:6XM;&5F=#HP<'0[8V]L;W(Z(S`P,#`P,#LG(#Y$97(\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.V9O;G0M=V5I9VAT.F)O;&0[=&5X="UD96-O<F%T
M:6]N.G5N9&5R;&EN93MC;VQO<CHC,#`P,#`P.R<@/FEV871I=F4@1FEN86YC
M:6%L($EN<W1R=6UE;G1S('1H870@475A;&EF>2!F;W(@2&5D9V4@06-C;W5N
M=&EN9R`\+V9O;G0^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y
M.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,'!T.VQI;F4M:&5I9VAT
M.C$P<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[;6%R9VEN+6QE9G0Z,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^4F5F97(@=&\@3F]T92`Q,B!O;CPO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[8V]L;W(Z(S`P,#`P,#LG(#X@<&%G97,@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P
M=#MC;VQO<CHC,#`P,#`P.R<@/C@Y("8C.#(Q,3L@.3`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^(&]F('1H92!!;FYU86P@4F5P;W)T
M(&9O<B!I;F9O<FUA=&EO;B!O;B!D97)I=F%T:79E<R!T:&%T('%U86QI9GD@
M9F]R(&AE9&=E(&%C8V]U;G1I;F<N/"]F;VYT/CPO<#X\<"!S='EL93TS1'1E
M>'0M86QI9VXZ:G5S=&EF>3ML:6YE+6AE:6=H=#HQ,'!T.R`^/"]P/CPO9&EV
M/CQP('-T>6QE/3-$;&EN92UH96EG:'0Z,C!P=#L@+SX\9&EV/CQP('-T>6QE
M/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB
M;W1T;VTZ-G!T.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[9F]N
M="UW96EG:'0Z8F]L9#MT97AT+61E8V]R871I;VXZ=6YD97)L:6YE.VUA<F=I
M;BUL969T.C!P=#MC;VQO<CHC,#`P,#`P.R<@/D1E<FEV871I=F5S($YO="!$
M97-I9VYA=&5D(&%S($AE9&=E<SPO9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT
M+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HP
M<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F
M=#HP<'0[8V]L;W(Z(S`P,#`P,#LG(#Y&;W(@:6YF;W)M871I;VX@;VX@9&5R
M:79A=&EV97,@;F]T(&1E<VEG;F%T960@87,@:&5D9V5S+"!R969E<B!T;R!.
M;W1E(#$R(&]N('!A9V4@.3`@;V8@=&AE($%N;G5A;"!297!O<G0N/"]F;VYT
M/CPO<#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3ML:6YE+6AE:6=H
M=#HQ,RXX<'0[(#X\+W`^/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D9A:7(@5F%L=64@6T%B
M<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^1F%I<B!686QU97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\9&EV/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I
M;BUT;W`Z.7!T.VUA<F=I;BUB;W1T;VTZ,'!T.VQI;F4M:&5I9VAT.C$Q+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F=#HP<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y&;W(@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@
M/FEN9F]R;6%T:6]N(&%B;W5T('1H92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O
M;&]R.B,P,#`P,#`[)R`^0V]M<&%N>28C.#(Q-SMS('9A;'5A=&EO;B`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^=&5C:&YI<75E<SPO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#X@9F]R/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B!F:6YA;F-I86P\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^(&%S<V5T<R!A;F0@
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/F9I;F%N8VEA
M;"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^;&EA8FEL
M:71I97,@;65A<W5R960@870@9F%I<B!V86QU92!A;F0@=&AE(&9A:7(@=F%L
M=64@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/FAI97)A
M<F-H>2P@<F5F97(@=&\@3F]T92`S(&]N('!A9V5S(#8X("8C.#(Q,3L@-S`@
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/F]F(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#YT:&4@06YN=6%L(%)E
M<&]R="X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/E)E
M9F5R('1O/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B!.
M;W1E(#$R(&]N('!A9V5S(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XX-SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG
M(#X@)B,X,C$Q.R`Y,#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P
M,#LG(#X@;V8@=&AE($%N;G5A;"!297!O<G0@9F]R(&%D9&ET:6]N86P@:6YF
M;W)M871I;VX@86)O=70@=&AE(&9A:7(@=F%L=64@;V8@=&AE($-O;7!A;GDF
M(S@R,3<[<R!D97)I=F%T:79E(&9I;F%N8VEA;"!I;G-T<G5M96YT<RX\+V9O
M;G0^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VQI;F4M:&5I
M9VAT.C$Q+C5P=#L@/CPO<#X\+V1I=CX\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^0V]M;6ET;65N=',@
M86YD($-O;G1I;F=E;F-I97,@6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V]M;6ET;65N=',@86YD(&-O
M;G1I;F=E;F-I97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M9&EV/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z
M,'!T.VUA<F=I;BUB;W1T;VTZ,'!T.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[;6%R9VEN+6QE9G0Z,'!T.R<@/E1H92!#;VUP86YY(&AA<R!R
M96-O<F1E9"!L:6%B:6QI=&EE<R!F;W(@8V5R=&%I;B!O9B!I=',@;W5T<W1A
M;F1I;F<@;&5G86P@<')O8V5E9&EN9W,@86YD(&=O=F5R;FUE;G1A;"!E>&%M
M:6YA=&EO;G,N($$@;&EA8FEL:71Y(&ES(&%C8W)U960@=VAE;B!I="!I<R!B
M;W1H("AA*2!P<F]B83PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^8FQE('1H870@
M82!L;W-S(&AA<R!O8V-U<G)E9"!A;F0@*&(I('1H92!A;6]U;G0@;V8@;&\\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/G-S(&-A;B!B92!R96%S;VYA8FQY(&5S
M=&EM871E9"X@5#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^:&5R92!M87D@8F4@
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M9F]N="US:7IE.C$Q<'0[)R`^97AC965D<R!T:&4@86-C<G5E9"!L:6%B:6QI
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M)R`^;FUE;G1A;"!E>&%M:6YA=&EO;G,@=&AA="!C;W5L9"!C875S92!A;B!I
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M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^+B`\+V9O;G0^/"]P/CQP
M('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VQI;F4M:&5I9VAT.C$R<'0[
M(#X\+W`^/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].
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M#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$
M0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T
M9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO
M=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T
M/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T
M(&ED/3-$240P15='04,^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S
M<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^06-C;W5N
M=',@4F5C96EV86)L92!A;F0@3&]A;G,@*%1A8FQE<RD\8G(^/"]S=')O;F<^
M/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#$^.2!-
M;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@
M("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q-#QB<CX\+W1H/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY!8V-O=6YT<R!2
M96-E:79A8FQE(&%N9"!,;V%N<R`H5&%B;&5S*2!;06)S=')A8W1=/"]S=')O
M;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#87)D($UE
M;6)E<B!R96-E:79A8FQE<R!S96=M96YT(&1E=&%I;#PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQD:78^/'`@<W1Y;&4],T1T97AT+6%L:6=N
M.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HV<'0[;&EN
M92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F=#HP<'0[
M)R`^06-C;W5N=',@<F5C96EV86)L92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@
M/F)Y('-E9VUE;G0@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YA<R!O9B`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/C(P,30\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,7!T.R<@/B!A;F0@1&5C96UB97(@,S$L(#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(&-O;G-I
M<W1E9"!O9CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^.CPO9F]N=#X\+W`^/"]D
M:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O/CQD:78^/'1A8FQE
M('-T>6QE/3-$8F]R9&5R+6-O;&QA<'-E.F-O;&QA<'-E.R`^/'1R(#X\=&0@
M<W1Y;&4],T1W:61T:#HS,3$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,3$N,C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MF;VYT+7-T>6QE.FET86QI8SMC;VQO<CHC,#`P,#`P.R<@/BA-:6QL:6]N
M<RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-2XW-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U+C<U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
M+V9O;G0^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4]
M,T1W:61T:#HV-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HV-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,34N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-2XW-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D
M(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-C8N-S5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C(P
M,3,\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,S$Q
M+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,S$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y5
M+E,N($-A<F0@4V5R=FEC97,\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XH82D\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ-2XW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$U+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-38N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-38N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,C$L,C4S/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,34N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-2XW-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HU-BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HU-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^,C$L.#0R/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I
M9'1H.C,Q,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C,Q,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^26YT97)N871I;VYA;"!#87)D(%-E<G9I8V5S/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,34N-S5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-2XW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-38N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-38N,C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^-RPR-S,\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-2XW-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U+C<U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HU-BXR-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU-BXR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^-RPW-S$\+V9O;G0^/"]T9#X\+W1R
M/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,S$Q+C(U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S$Q+C(U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y';&]B86P@0V]M;65R8VEA
M;"!397)V:6-E<SPO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/BAB*3PO9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C$U+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,34N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
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M;VQO<CHC,#`P,#`P.R<@/C$V+#0T,#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$U+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,34N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$P+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C4V+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C4V+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XQ-"PS.3$\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$
M=VED=&@Z,S$Q+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y';&]B86P@3F5T=V]R:R8C,38P.R9A;7`[($UE<F-H
M86YT(%-E<G9I8V5S/"]F;VYT/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^*&,I/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,34N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ-2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,3`N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
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M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,34Q/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,34N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ-2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
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M;VQO<CHC,#`P,#`P.R<@/C$U.3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@
M<W1Y;&4],T1W:61T:#HS,3$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/D-A<F0@365M8F5R(')E8V5I=F%B;&5S/"]F;VYT
M/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^*&0I/"]F;VYT
M/CPO<W5P/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,34N-S5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-2XW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-38N,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-38N,C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^-#4L,3$W
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,34N-S5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-2XW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-38N,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-38N,C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C0T+#$V,SPO9F]N=#X\+W1D/CPO='(^
M/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HS,3$N,C5P=#MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,3$N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/DQE<W,Z(%)E<V5R=F4@
M9F]R(&QO<W-E<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U+C<U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,34N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C
M,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P
M=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C4V+C(U<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C4V+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/C0S,CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$U+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,34N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XS.#8\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$
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M(S`P,#`P,#LG(#Y#87)D($UE;6)E<B!R96-E:79A8FQE<RP@;F5T/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,34N-S5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-2XW-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO
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M9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/C0T+#8X-3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U+C<U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,34N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C
M,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-38N,C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-38N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C0S+#<W-SPO9F]N=#X\
M+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HS,3$N,C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,3$N
M,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/D]T:&5R(')E
M8V5I=F%B;&5S+"!N970\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XH92D\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ-2XW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$U+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-38N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-38N,C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,BPV,S$\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-2XW-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U+C<U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S
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M8V]L;W(Z(S`P,#`P,#LG(#XS+#0P.#PO9F]N=#X\+W1D/CPO='(^/"]T86)L
M93X\+V1I=CX\<"!S='EL93TS1&QI;F4M:&5I9VAT.C(P<'0[("\^/&1I=CX\
M=6P^/&QI('-T>6QE/3-$;&ES="US='EL93IL;W=E<BUA;'!H83MT97AT+6%L
M:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HV<'0[;6%R9VEN+6)O='1O;3HR<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/DEN8VQU9&5S(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XV+C,\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#X@8CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/FEL;&EO;B!A;F0@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^)#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/C<N,SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YB:6QL:6]N(&]F
M(&=R;W-S(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/D-A
M<F0@365M8F5R/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M(')E8V5I=F%B;&5S(&%V86EL86)L92!T;R!S971T;&4@;V)L:6=A=&EO;G,@
M;V8@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^82`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YC;VYS;VQI9&%T960@
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^=F%R:6%B;&4@
M:6YT97)E<W0@96YT:71Y("A6244I(&%S(&]F(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#MC;VQO<CHC,#`P,#`P.R<@/BP@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/B!A;F0@1&5C96UB97(@,S$L(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XL(')E<W!E8W1I=F5L>2X\+V9O;G0^/"]L:3X\;&D@
M<W1Y;&4],T1L:7-T+7-T>6QE.FQO=V5R+6%L<&AA.W1E>'0M86QI9VXZ:G5S
M=&EF>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C)P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^26YC;'5D97,\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/C8W,CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
M/B!M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^:6QL:6]N
M(&%N9"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^.#,V/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(&UI;&QI;VX@9'5E(&9R;VT@
M86ER;&EN97,L(&]F('=H:6-H($1E;'1A($%I<B!,:6YE<R`H1&5L=&$I(&-O
M;7!R:7-E<R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XD
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^-C0R/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(&UI;&QI;VX@86YD(#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XV,C@\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[8V]L;W(Z(S`P,#`P,#LG(#X@;6EL;&EO;B!A<R!O9B`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y397!T96UB97(@,S`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XL(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#X@86YD($1E8V5M8F5R(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C,Q+"`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XR,#$S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^+"!R97-P96-T:79E;'DN/"]F;VYT/CPO;&D^/&QI('-T
M>6QE/3-$;&ES="US='EL93IL;W=E<BUA;'!H83MT97AT+6%L:6=N.FIU<W1I
M9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HR<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#MC;VQO<CHC,#`P,#`P.R<@/DEN8VQU9&5S(')E8V5I=F%B;&5S('!R
M:6UA<FEL>2!R96QA=&5D('1O('1H92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y#;VUP86YY)B,X,C$W.W,@26YT97)N871I;VYA;"!#
M=7)R96YC>2!#87)D('!O<G1F;VQI;W,N/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+VQI/CQL:2!S='EL93TS1&QI<W0M
M<W1Y;&4Z;&]W97(M86QP:&$[=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT
M;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y);F-L=61E<R!A<'!R;WAI;6%T96QY(#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XQ,RXU/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^(&)I;&QI;VX\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#X@86YD(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/B0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ
M,RXX/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(&)I;&QI
M;VX\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^;V8@/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^0V%R9"!-96UB97(\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@<F5C96EV86)L97,\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@;W5T<VED92!T:&4@52Y3
M+B!A<R!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y3
M97!T96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XL(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@86YD($1E8V5M
M8F5R(#,Q+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XR
M,#$S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^+"!R97-P
M96-T:79E;'D\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XN
M/"]F;VYT/CPO;&D^/&QI('-T>6QE/3-$;&ES="US='EL93IL;W=E<BUA;'!H
M83MT97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O
M='1O;3HR<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/D]T:&5R
M(')E8V5I=F%B;&5S('!R:6UA<FEL>2`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#YR97!R97-E;G0@86UO=6YT<SPO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!R96QA=&5D('1O("@\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YI/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^*2!C97)T86EN(&UE<F-H86YT<R!F;W(@8FEL
M;&5D(&1I<V-O=6YT(')E=F5N=64@86YD/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/BAI:2D@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^1VQO8F%L($YE='=O<FL@4V5R=FEC97,@*#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/D=.4SPO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO
M<CHC,#`P,#`P.R<@/BD\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#X@<&%R=&YE<B!B86YK<R!F;W(@:71E;7,@<W5C:"!A<R!R;WEA;'1Y
M(&%N9"!F<F%N8VAI<V4@9F5E<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/BX@061D:71I;VYA;&QY+"!F;W(@/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/B!O;FQY+"!T:&4@8F%L86YC92!A;'-O(&EN8VQU
M9&5D('!U<F-H87-E9"!'3E,@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P
M,#`P,#`[)R`^:F]I;G0@=F5N='5R92!R96-E:79A8FQE<RX@/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^3W1H97(@<F5C/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^96EV86)L97,@87)E('!R97-E
M;G1E9"!N970@;V8@<F5S97)V97,@9F]R(&QO<W-E<R!O9B`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^-#0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#X@;6EL;&EO;B!A;F0@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/C<Q/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M(&UI;&QI;VX@87,@;V8@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P
M,#`P,#`[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XR,#$T/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(&%N
M9"!$96-E;6)E<B`S,2P@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
M/BP@<F5S<&5C=&EV96QY+CPO9F]N=#X\+VQI/CPO=6P^/'`@<W1Y;&4],T1T
M97AT+6%L:6=N.FIU<W1I9GD[;&EN92UH96EG:'0Z,3)P=#L@/CPO<#X\+V1I
M=CX\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D-A<F0@365M8F5R(&QO86YS('-E9VUE;G0@9&5T86EL/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/&1I=CX\<"!S='EL93TS1'1E>'0M
M86QI9VXZ;&5F=#MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C!P=#ML
M:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.VUA<F=I;BUL969T.C!P
M=#MC;VQO<CHC,#`P,#`P.R<@/@T*/"]F;VYT/CPO<#X\<"!S='EL93TS1'1E
M>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M
M.C9P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.VUA<F=I;BUL
M969T.C!P=#MC;VQO<CHC,#`P,#`P.R<@/DQO86YS(&%S(&]F(#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#Y397!T96UB97(@,S`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^+"`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#X@86YD($1E8V5M8F5R(#,Q+"`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#X@8V]N<VES=&5D(&]F.CPO
M9F]N=#X\+W`^/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O
M/CQD:78^/'1A8FQE('-T>6QE/3-$8F]R9&5R+6-O;&QA<'-E.F-O;&QA<'-E
M.R`^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HS,S8N-S5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,S8N-S5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MF;VYT+7-T>6QE.FET86QI8SMC;VQO<CHC,#`P,#`P
M.R<@/BA-:6QL:6]N<RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-38N,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-38N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,C`Q
M-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HU-BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HU-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y
M;&4],T1W:61T:#HS,S8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS,S8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/E4N4RX@0V%R9"!397)V:6-E<SPO9F]N=#X\<W5P/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/BAA*3PO9F]N=#X\+W-U<#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C4V+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C4V+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C4X+#`Q,CPO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU-BXR-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU-BXR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^-3@L,SDU/"]F
M;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C,S-BXW-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,S-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^26YT
M97)N871I;VYA;"!#87)D(%-E<G9I8V5S/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU-BXR-7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU
M-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XW+#DY.3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-38N,C5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-38N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C@L-SDP/"]F;VYT/CPO
M=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C,S-BXW-7!T.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,S
M-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^1VQO8F%L
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M<CHC,#`P,#`P.R<@/C0V/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU-BXR-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU-BXR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^-3,\+V9O;G0^
M/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,S,V+C<U<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,V+C<U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y#87)D($UE;6)E
M<B!L;V%N<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-38N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-38N,C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^-C8L,#4W/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HU-BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HU-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^-C<L,C,X/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I
M9'1H.C,S-BXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C,S-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^3&5S<SH@4F5S97)V92!F;W(@;&]S<V5S/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C9P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HU-BXR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HU-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ+#$T-CPO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
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M,#`P,#`P.R<@/C$L,C8Q/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL
M93TS1'=I9'1H.C,S-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,S-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^0V%R9"!-96UB97(@;&]A;G,L(&YE=#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S
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M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C8T+#DQ,3PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
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M<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU
M-BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HU-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^-C4L.3<W/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I
M9'1H.C,S-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C,S-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^3W1H97(@;&]A;G,L(&YE=#PO9F]N=#X\<W5P/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/BAB*3PO9F]N=#X\+W-U<#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
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M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL
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M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C@U-3PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
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M,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU-BXR
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HU-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M-C`X/"]F;VYT/CPO=&0^/"]T<CX\+W1A8FQE/CPO9&EV/CQP('-T>6QE/3-$
M;&EN92UH96EG:'0Z,C!P=#L@+SX\9&EV/CQU;#X\;&D@<W1Y;&4],T1L:7-T
M+7-T>6QE.FQO=V5R+6%L<&AA.W1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM
M=&]P.C9P=#MM87)G:6XM8F]T=&]M.C!P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^23PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/FYC;'5D97,@87!P<F]X:6UA=&5L>2`D/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^,C@N,SPO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO
M<CHC,#`P,#`P.R<@/B8C,38P.V)I;&QI;VX@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^86YD("0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XS,2XR/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P
M,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
M/F)I;&QI;VX@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M;V8@9W)O<W,@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M0V%R9"!-96UB97(\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#X@;&]A;G,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@
M879A:6QA8FQE/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/G1O('-E='1L
M92!O8FQI9V%T:6]N<R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#YO/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^9B`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YA(#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/F-O;G-O;&ED871E9"`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y6244\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@87,@;V8@/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^(&%N9"!$96-E;6)E<B`S,2P@/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/BP@<F5S<&5C=&EV96QY/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^+CPO9F]N=#X\+VQI/CQL:2!S='EL
M93TS1&QI<W0M<W1Y;&4Z;&]W97(M86QP:&$[=&5X="UA;&EG;CIJ=7-T:69Y
M.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,G!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/=&AE<B!L;V%N<R!P<FEM87)I;'D@<F5P
M<F5S96YT(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/FQO
M86YS('1O(&UE<F-H86YT<R!A;F0@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^82!S=&]R92!C87)D(#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/FQO86X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^<&]R=&9O;&EO/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^+CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/B!/=&AE<B!L;V%N<R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#YA<F4\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^<')E<V5N
M=&5D(&YE="!O9B!R97-E<G9E<R!F;W(@;&]S<V5S(&]F("0\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ,3PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/B!M:6QL:6]N/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/F%N9"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^,3,\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@;6EL;&EO;B`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YA<R!O9CPO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y397!T96UB97(@,S`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XL(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#X@86YD($1E8V5M8F5R(#,Q+"`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$S/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^+"!R97-P96-T:79E;'D\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XN/"]F;VYT/CPO;&D^/"]U;#X\<"!S
M='EL93TS1'1E>'0M86QI9VXZ;&5F=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/"]P
M/CPO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^06=I;F<@;V8@0V%R9"!-96UB97(@;&]A;G,@86YD(')E8V5I
M=F%B;&5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/&1I=CX\
M<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P=#MM
M87)G:6XM8F]T=&]M.C9P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,7!T.VUA<F=I;BUL969T.C!P=#LG(#Y4/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG
M(#YH92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/F9O;&QO=VEN9R!T86)L92!P
M<F5S96YT<R!T:&4@86=I;F<@;V8@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#Y#
M87)D($UE;6)E<CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(&QO86YS(&%N9"!R
M96-E:79A8FQE<R!A<R!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/E-E<'1E
M;6)E<B`S,#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^+"`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.R<@/C(P,30\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B!A;F0@1&5C
M96UB97(@,S$L(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^,C`Q,SPO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[)R`^.CPO9F]N=#X\+W`^/"]D:78^/'`@<W1Y;&4],T1L
M:6YE+6AE:6=H=#HR,'!T.R`O/CQD:78^/'1A8FQE('-T>6QE/3-$8F]R9&5R
M+6-O;&QA<'-E.F-O;&QA<'-E.R`^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ
M.#!P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ.#!P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/C,P+34Y/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C8P+3@Y/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/CDP*SPO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
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M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
M/D1A>7,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^1&%Y<SPO9F]N=#X\+W1D/CQT9"!S='EL
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M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y$87ES
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CPO=&0^/"]T<CX\='(@
M/CQT9"!S='EL93TS1'=I9'1H.C$X,'!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$X,'!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^4&%S=#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
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M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y087-T/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-#5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/E!A<W0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T
M9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3@P<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3@P<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/C(P,30\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
M,#LG(#X@/"]F;VYT/CPO<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7-T>6QE.FET
M86QI8SMC;VQO<CHC,#`P,#`P.R<@/B`H36EL;&EO;G,I/"]F;VYT/CPO=&0^
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y#=7)R96YT/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[
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M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/D1U93PO9F]N
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M8V]L;W(Z(S`P,#`P,#LG(#Y$=64\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N
M-S5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^1'5E
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
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M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E1O=&%L/"]F;VYT/CPO=&0^/"]T<CX\
M='(@/CQT9"!S='EL93TS1'=I9'1H.C$X,'!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$X,'!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#Y#87)D($UE;6)E
M<B!,;V%N<SH\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
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M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
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M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
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M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
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M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
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M9'1H.C$X,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^("!5
M+E,N($-A<F0@4V5R=FEC97,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0U<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/C4W+#0T-R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^,3<U(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
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M<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#XQ,C$@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^,C8Y(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
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M;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#XU."PP,3(@/"]F;VYT/CPO=&0^/"]T<CX\='(@
M/CQT9"!S='EL93TS1'=I9'1H.C$X,'!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$X,'!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^("!);G1E<FYA=&EO;F%L($-A<F0@4V5R=FEC
M97,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
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M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^-RPX-CD@/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
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M;VQD.V-O;&]R.B,P,#`P,#`[)R`^-#$@/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M.B,P,#`P,#`[)R`^,CD@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#XV,"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XW+#DY.2`\
M+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3@P<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3@P<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/D-A<F0@365M8F5R(%)E8V5I=F%B;&5S.CPO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`\
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M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CPO=&0^/"]T<CX\
M='(@/CQT9"!S='EL93TS1'=I9'1H.C$X,'!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$X,'!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^("!5+E,N($-A<F0@4V5R=FEC97,\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(P+#DP-R`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,3(U(#PO9F]N
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M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XW-"`\+V9O
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M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ-#<@/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0U<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(Q+#(U
M,R`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3@P
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3@P<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@($EN
M=&5R;F%T:6]N86P@0V%R9"!397)V:6-E<SPO9F]N=#X\<W5P/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/BAA*3PO9F]N=#X\+W-U<#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XW+#$W-"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XS,"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR,B`\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XT-R`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XW+#(W,R`\+V9O;G0^/"]T9#X\+W1R
M/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3@P<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3@P<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@($=L;V)A;"!#;VUM97)C:6%L
M(%-E<G9I8V5S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
M/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
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M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^*&(I
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+6)O='1O
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M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^*&(I
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^*&(I
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+6)O='1O
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M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,3(U
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M:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C$V
M+#0T,"`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z
M,3@P<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,3@P<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T
M9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3@P<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3@P<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^,S`M-3D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^-C`M.#D\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^.3`K/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#5P=#L@/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H
M.C$X,'!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$X,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^1&%Y<SPO
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M;W(Z(S`P,#`P,#LG(#Y$87ES/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/D1A>7,\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T
M>6QE/3-$=VED=&@Z,3@P<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3@P<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^4&%S=#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
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M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y087-T/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-#5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/E!A<W0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\+W1D
M/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ.#!P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ.#!P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^/'-U
M<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO<W5P
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MF;VYT+7-T>6QE.FET86QI8SMC;VQO<CHC,#`P,#`P
M.R<@/B`H36EL;&EO;G,I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
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M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y#=7)R96YT/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
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M=#MC;VQO<CHC,#`P,#`P.R<@/D1U93PO9F]N=#X\+W1D/CQT9"!S='EL93TS
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M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y$
M=64\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^1'5E/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/E1O=&%L/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I
M9'1H.C$X,'!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$X,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#Y#87)D($UE;6)E<B!,;V%N<SH\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
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M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
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M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
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M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
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M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$X,'!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^("!5+E,N($-A<F0@4V5R=FEC97,\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M-3<L-S<R(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/C$X,R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N
M-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0U<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ,S0@/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0U
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XS,#8@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^-3@L,SDU(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y
M;&4],T1W:61T:#HQ.#!P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ.#!P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/B`@26YT97)N871I;VYA;"!#87)D(%-E<G9I8V5S/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XX+#8V-"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^-#,@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C(X
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M;VQO<CHC,#`P,#`P.R<@/C4U(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
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M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XX+#<Y,"`\+V9O
M;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3@P<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3@P
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/D-A<F0@365M8F5R(%)E8V5I=F%B;&5S.CPO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O
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M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
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M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$X,'!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^("!5+E,N($-A<F0@4V5R=FEC97,\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,C$L-#@X
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M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-#5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/C$R-2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0U<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XV.2`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C$V,"`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XR,2PX-#(@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I
M9'1H.C$X,'!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$X,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^("!);G1E<FYA=&EO;F%L($-A<F0@4V5R=FEC97,\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/BAB*3PO
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M;W(Z(S`P,#`P,#LG(#XH8BD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^*&(I/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-#5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/C@S(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
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M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XW+#<W,2`\+V9O;G0^/"]T9#X\
M+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3@P<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3@P<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@($=L;V)A;"!#;VUM97)C
M:6%L(%-E<G9I8V5S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/BAB*3PO9F]N=#X\+W1D/CQT
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M(S`P,#`P,#LG(#XH8BD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
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M=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^*&(I/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
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M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C$S,B`\+V9O;G0^/"]T9#X\=&0@<W1Y
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M<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^,30L,SDQ(#PO9F]N=#X\+W1D/CPO='(^/"]T86)L93X\+V1I=CX\
M<"!S='EL93TS1&QI;F4M:&5I9VAT.C(P<'0[("\^/&1I=CX\=6P^/&QI('-T
M>6QE/3-$;&ES="US='EL93IL;W=E<BUA;'!H83MT97AT+6%L:6=N.FIU<W1I
M9GD[;6%R9VEN+71O<#HV<'0[;6%R9VEN+6)O='1O;3HR<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#LG(#Y"96=I;FYI;F<@:6X@9FER<W0@<75A<G1E<B`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[)R`^,C`Q-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
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M=71I;&EZ960@.3`@9&%Y<R!P87-T(&)I;&QI;F<@9F]R('1H92`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[)R`^26YT97)N871I;VYA;"!#87)D(%-E<G9I8V5S("A)
M0U,I(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#YS96=M96YT+"!A<R!D97-C<FEB
M960@8F5L;W<@:6X@*&(I+B`\+V9O;G0^/"]L:3X\;&D@<W1Y;&4],T1L:7-T
M+7-T>6QE.FQO=V5R+6%L<&AA.W1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM
M=&]P.C!P=#MM87)G:6XM8F]T=&]M.C)P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/D1E
M;&EN<75E;F-Y(&1A=&$\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^(&9O<B!P97)I
M;V1S(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#YO=&AE<B!T:&%N/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.R<@/B`Y,"!D87ES('!A<W0@8FEL;&EN9R`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[)R`^:7,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^(&YO="!A=F%I
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M86P@86YD('1H92`Y,"L@1&%Y<R!087-T($1U92!B86QA;F-E<RX@1F]R($-A
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M.R<@/B!A<R!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^4V5P=&5M8F5R(#,P
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/BP@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@
M/C(P,30\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#LG(#YA;F0@24-3(&%N9"!'0U,@87,@;V8@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.R<@/D1E8V5M8F5R(#,Q+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^,C`Q,SPO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#LG(#XL(&1E;&EN<75E;F-Y(&1A=&$@:7,@=')A
M8VME9"!B87-E9"!O;B!D87ES('!A<W0@8FEL;&EN9R!S=&%T=7,@<F%T:&5R
M('1H86X@9&%Y<R!P87-T(&1U92X@02!#87)D($UE;6)E<B!A8V-O=6YT(&ES
M(&-O;G-I9&5R960@.3`@9&%Y<R!P87-T(&)I;&QI;F<@:68@<&%Y;65N="!H
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M;G0@<')I;W(@=&\@=&AE(&%C8V]U;G0@8F5C;VUI;F<@.3`@9&%Y<R!P87-T
M(&)I;&QI;F<L('1H92!A<W-O8VEA=&5D($-A<F0@365M8F5R(')E8V5I=F%B
M;&4@8F%L86YC92!I<R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^8VQA<W-I9FEE
M9#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#LG(#X@87,@.3`@9&%Y<R!P87-T(&(\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[)R`^:6QL:6YG+B!4:&5S92!A;6]U;G1S(&%R92!S
M:&]W;B!A8F]V92!A<R`Y,"L@1&%Y<R!087-T($1U92!F;W(@<')E<V5N=&%T
M:6]N('!U<G!O<V5S+B`\+V9O;G0^/"]L:3X\+W5L/CQP('-T>6QE/3-$=&5X
M="UA;&EG;CIJ=7-T:69Y.VQI;F4M:&5I9VAT.C$R<'0[(#X\+W`^/"]D:78^
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y#<F5D:70@<75A;&ET>2!I;F1I8V%T;W)S(&9O<B!L;V%N<R!A;F0@<F5C
M96EV86)L97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\9&EV
M/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T
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M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^;G0\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.R<@/B!T:&4@:V5Y(&-R961I="!Q=6%L:71Y(&EN9&EC871O<G,@
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YA<R!O9B!O<B`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.R<@/F9O<B!T:&4@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YN:6YE
M(&UO;G1H<R!E;F1E9#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT('-T>6QE
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M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T
M9#X\=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ
M-C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$V-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#4@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HQ-C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$V-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$S/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE
M/3-$=VED=&@Z,3(T+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
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M96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,#8N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@5W)I=&4M3V9F(%)A
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M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@
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M,#8N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@5W)I
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M;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^
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M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG
M;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0X<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0X<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CEP=#MC;VQO<CHC,#`P,#`P.R<@/C,P($1A>7,\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0X<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#AP=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ8V5N
M=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XS,"!$87ES/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M:6XM=VED=&@Z-#AP=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T
M.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y0<FEN8VEP86PL/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ
M8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y087-T($1U93PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C$P+C5P=#MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-#AP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#AP=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,3`N-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y0<FEN8VEP
M86PL/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M
M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y087-T($1U93PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIC96YT97([8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z,3(T+C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,C0N-7!T.R`^/"]T9#X\
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M,#`P,#`P.R<@/E!R:6YC:7!A;#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$P+C5P=#MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#AP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#AP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^26YT
M97)E<W0L("9A;7`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N
M-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#YA<R!A("4@;V8\
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M.CEP=#MC;VQO<CHC,#`P,#`P.R<@/E!R:6YC:7!A;#PO9F]N=#X\+W1D/CQT
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M,#`P,#`[)R`^26YT97)E<W0L("9A;7`[/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG
M(#X@87,@82`E(&]F/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P
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M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^3VYL>3PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MT97AT+6%L:6=N
M.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@
M/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XH82D\+V9O;G0^
M/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y&965S/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/'-U<#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/BAA*3PO9F]N=#X\+W-U<#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0X<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0X<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP
M=#MC;VQO<CHC,#`P,#`P.R<@/E1O=&%L/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT.'!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y/;FQY/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T
M.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3`N-7!T.R`^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/BAA*3PO9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0X<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0X<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/D9E97,\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG
M;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[
M(#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^*&$I/"]F;VYT
M/CPO<W5P/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#AP=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P\+V9O;G0^/"]T
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M.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#Y#87)D($UE
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M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT.'!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[
M=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0X<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0X<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MT97AT+6%L:6=N.F-E;G1E
M<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-#AP=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT.'!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M
M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P
M=#L@/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C$R-"XU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3(T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^("`@52Y3
M+B!#87)D(%-E<G9I8V5S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/C$N-CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^)3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C0X<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0X<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^,2XX/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,3`N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$P+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#XE/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#AP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#AP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ+C`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B4\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XQ+CD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XE/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#AP=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^,BXQ/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^)3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0X
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0X<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/C$N,3PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)3PO9F]N=#X\+W1D/CPO='(^/'1R
M(#X\=&0@<W1Y;&4],T1W:61T:#HQ,C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$R-"XU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`@($EN=&5R;F%T:6]N86P@0V%R9"!3
M97)V:6-E<SPO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[
M)R`^*&(I/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N
M,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/C(N,#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^)3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0X
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0X<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^,BXT/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,3`N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$P+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#XE/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#AP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#AP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#XQ+C8\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z
M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B4\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XQ+CD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XE/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#AP=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V-O;&]R.B,P,#`P,#`[)R`^,BXS/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P
M,#`P,#`[)R`^)3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0X<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0X<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/C$N-3PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V-O;&]R.B,P,#`P,#`[)R`^)3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$R-"XU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^0V%R9"!-96UB
M97(@4F5C96EV86)L97,Z/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$U<'0[(#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$R-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P
M.R<@/B`@(%4N4RX@0V%R9"!397)V:6-E<SPO9F]N=#X\+W1D/CQT9"!S='EL
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M;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ+C<\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B4\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C$N.3PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C$P+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)3PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0X<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0X<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,2XV/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XE/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#AP=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V-O;&]R.B,P,#`P,#`[)R`^,2XX/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^)3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0X<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0X
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/C$N.3PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B4\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XQ+C<\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B4\+V9O;G0^/"]T
M9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3(T+C5P=#MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,C0N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@("!);G1E<FYA
M=&EO;F%L($-A<F0@4V5R=FEC97,\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC
M;VQO<CHC,#`P,#`P.R<@/BAB*3PO9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL
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M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR+C`\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B4\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(N,3PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M)3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0X<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0X<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^,2XT/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C$P+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XE/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#AP
M=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#AP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^*&,I
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUB
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M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^*&,I/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
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M.B,P,#`P,#`[)R`^*&,I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z
M,3(T+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
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M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
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M>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#AP=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#AP=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C$P+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#AP=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#AP=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT.'!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C$U<'0[(#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,C0N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
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M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT.'!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0X<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
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M.D)L86-K.VUI;BUW:61T:#HQ,#8N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@8V]L<W!A
M;CTS1#,@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#8N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`V
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,SPO9F]N
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M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\
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M=VED=&@Z-#AP=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#AP=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^3F5T($QO<W,\+V9O;G0^/"]T9#X\
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M:SMM:6XM=VED=&@Z-#AP=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N
M-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@3&]S<SPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
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M;BUW:61T:#HQ-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED
M=&@Z,3(T+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ
M,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0X<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#AP=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#AP=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
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M;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^.3`@1&%Y<SPO
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M.7!T.V-O;&]R.B,P,#`P,#`[)R`^4F%T:6\@87,\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XY,"!$87ES/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3(T
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0X<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-#AP=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#YA
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M="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/E!A<W0@0FEL;&EN9SPO9F]N
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M.V-O;&]R.B,P,#`P,#`[)R`^82`E(&]F/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#AP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#AP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^
M4&%S="!":6QL:6YG/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3(T
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0X<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-#AP=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y#
M:&%R9V4\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#YA<R!A("4@;V8\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y#:&%R9V4\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#YA<R!A("4@
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M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P
M,#`P.R<@/E9O;'5M93PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P
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M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/E)E8V5I=F%B
M;&5S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M
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M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^5F]L=6UE/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
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M.B,P,#`P,#`[)R`^4F5C96EV86)L97,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$U<'0[(#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A
M;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR-#(N,C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-#(N,C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#Y#87)D($UE;6)E<B!296-E:79A8FQE<SH\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT.'!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT.'!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M.'!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT.'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI
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M;&]R.B,P,#`P,#`[)R`^("`@26YT97)N871I;VYA;"!#87)D(%-E<G9I8V5S
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#AP=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#AP=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XH
M8RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT.'!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/BAC*3PO
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M=#MC;VQO<CHC,#`P,#`P.R<@/C`N,C`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XE/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#AP=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#AP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^,2XQ/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XE/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT
M9"!C;VQS<&%N/3-$-B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C(U,BXW
M-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C(U,BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG
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M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,"XP.3PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)3PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0X<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0X<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M,"XX/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XE/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#AP=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#AP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^,"XP-SPO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B4\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT.'!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XP+C@\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/B4\+V9O;G0^/"]T9#X\+W1R/CPO=&%B;&4^/"]D:78^/'`@<W1Y;&4],T1L
M:6YE+6AE:6=H=#HR,'!T.R`O/CQD:78^/'5L/CQL:2!S='EL93TS1&QI<W0M
M<W1Y;&4Z;&]W97(M86QP:&$[=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT
M;W`Z-G!T.VUA<F=I;BUB;W1T;VTZ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y4:&4@0V]M<&%N>2!P<F5S96YT<R!A(&YE="!W<FET92UO
M9F8@<F%T92!B87-E9#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/B!O;B!P<FEN8VEP86P@;&]S<V5S(&]N;'D@*&DN92XL/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(&5X8VQU9&EN9R!I;G1E<F5S
M="!A;F0O;W(@9F5E<RD@=&\@8F4@8V]N<VES=&5N="!W:71H(&EN9'5S=')Y
M(&-O;G9E;G1I;VXN(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/DEN(&%D9&ET:6]N+"!B96-A=7-E('1H92!#;VUP86YY(&-O;G-I9&5R
M<R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YU;F-O;&QE
M8W1I8FQE(&EN=&5R97-T(&%N9"]O<B!F965S(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/FEN(&5S=&EM871I;F<@/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^:71S(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/G)E<V5R=F5S(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/F9O<B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#YC<F5D:70@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^;&]S<V5S+"!A(&YE="!W<FET92UO9F8@<F%T92!I;F-L
M=61I;F<@<')I;F-I<&%L+"!I;G1E<F5S="!A;F0O;W(@9F5E<R!I<R!A;'-O
M('!R97-E;G1E9"X\+V9O;G0^/"]L:3X\;&D@<W1Y;&4],T1L:7-T+7-T>6QE
M.FQO=V5R+6%L<&AA.W1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P
M=#MM87)G:6XM8F]T=&]M.C)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^0F5G:6YN:6YG(&EN/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z
M(S`P,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XR,#$T/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M+"!W<FET92UO9F9S(&9O<B!C97)T86EN(&EN<W1A;&QM96YT(&QO86X@<')O
M9'5C=',@:&%V92!B965N(')E8VQA<W-I9FEE9"!F<F]M($,\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YA<F0@/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^33PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO
M<CHC,#`P,#`P.R<@/F5M8F5R('(\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#YE8V5I=F%B;&4\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#YS/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^('1O($,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YA
M<F0@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^33PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/F5M8F5R/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/FQO86YS/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^+CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/B!0/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M<FEO<B!P97)I;V0@=W)I=&4M;V9F<R!H879E(&YO="!B965N(')E8VQA<W-I
M9FEE9"X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO
M9F]N=#X\+VQI/CQL:2!S='EL93TS1&QI<W0M<W1Y;&4Z;&]W97(M86QP:&$[
M=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T
M;VTZ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y(:7-T;W)I
M8V%L;'DL/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(&YE
M="!L;W-S(')A=&EO(&%S(&$@)2!O9B!C:&%R9V4@=F]L=6UE(&%N9"`Y,"!D
M87ES('!A<W0@8FEL;&EN9W,@87,@82`E(&]F(')E8V5I=F%B;&5S('=E<F4@
M<')E<V5N=&5D+B!"96=I;FYI;F<@:6X@9FER<W0@<75A<G1E<CPO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/BP@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^87,@82!R97-U;'0@;V8@<WES=&5M(&5N:&%N8V5M96YT
M<RP@,S`@9&%Y<R!P87-T(&0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#YU92!A<R!A("4@;V8@=&]T86PL($YE="!W<FET92UO9F8@<F%T
M92`H<')I;F-I<&%L(&]N;'DI(&%N9"!.970@=W)I=&4M;V9F(')A=&4@*'!R
M:6YC:7!A;"!A;F0@9F5E<RD@:&%V92!B965N('!R97-E;G1E9"X@/"]F;VYT
M/CPO;&D^/"]U;#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3ML:6YE
M+6AE:6=H=#HQ,G!T.R`^/"]P/CPO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26UP86ER960@0V%R9"!-96UB
M97(@;&]A;G,@86YD(')E8V5I=F%B;&5S/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/&1I=CX\<"!S='EL93TS1'1E>'0M86QI9VXZ;&5F=#MM
M87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C!P=#ML:6YE+6AE:6=H=#HQ
M,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.VUA<F=I;BUL969T.C!P=#LG(#X-"CPO9F]N
M=#X\+W`^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O
M<#HP<'0[;6%R9VEN+6)O='1O;3HV<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3%P=#MM87)G:6XM;&5F=#HP<'0[)R`^5&AE(&9O;&QO=VEN9R!T
M86)L93PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^('!R;W9I9&4\+V9O;G0^/&9O
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^0V%R9"!-
M96UB97(\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B!L;V%N<SPO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[)R`^+"!W:&EC:"!A<F4@;F]T('-I9VYI9FEC86YT(&9O<B!'
M0U,L/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#X@86YD(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^0V%R9"!-96UB97(@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YR
M96-E:79A8FQE<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^+"`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.R<@/G=H:6-H(&%R92!N;W0@<VEG;FEF:6-A;G0@9F]R($E#
M4R!A;F0@1T-3+#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(&%S(&]F/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3%P=#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#Y397!T
M96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/BP\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/C(P,30\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,7!T.R<@/B!A;F0@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#Y$
M96-E;6)E<B`S,2P\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B`\+V9O;G0^/&9O
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M/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$X+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,3@N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0R(')O
M=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-#@N-S5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#@N-S5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^3&]A;G,@;W9E<CPO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C0Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N
M,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR
M-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4]
M,T1W:61T:#HQ,#@N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$P."XW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
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M<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX
M+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^.3`@1&%Y<SPO9F]N
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M.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N
M,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^
M3&]A;G,@)F%M<#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4;W1A;#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^
M/'1D(&-O;'-P86X],T0U(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3`X
M+C<U<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,#@N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N
M,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,2XR-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED
M=&@Z,3$X+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
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M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/E!A<W0@1'5E/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@
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M,#`P,#`[)R`^3F]N+3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q
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M.7!T.V-O;&]R.B,P,#`P,#`[)R`^4F5C96EV86)L97,\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y);7!A:7)E9#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
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M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/E5N<&%I9#PO
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M.7!T.V9O;G0M<W1Y;&4Z:71A;&EC.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D
M/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C0X
M+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0X+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/B9A;7`[($%C8W)U:6YG/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,3$N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q
M+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/D%C8W)U86P\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V-O;&]R.B,P,#`P,#`[)R`^36]D:69I960\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#$N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^3&]A;G,@)F%M<#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W
M<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HT."XW-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT."XW-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y0<FEN8VEP86P\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\
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M.B,P,#`P,#`[)R`^06QL;W=A;F-E/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T
M>6QE/3-$=VED=&@Z,3$X+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,3@N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[9F]N="US='EL93II=&%L:6,[8V]L;W(Z(S`P,#`P,#LG
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M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y);G1E<F5S
M=#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P
M=#L@/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XH82D\+V9O
M;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
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M;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^3&]A;G,\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\<W5P
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^*&(I/"]F;VYT/CPO<W5P
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M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/F%S(&$@5$12/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/'-U<#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/BAC*3PO9F]N=#X\+W-U<#X\+W1D
M/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C0X
M+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0X+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P
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M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/D)A
M;&%N8V4\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q
M+C(U<'0[(#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^*&0I
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M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/F9O<B!41%)S
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T
M.R`^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/BAE*3PO9F]N
M=#X\+W-U<#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,3@N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C$Q."XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^0V%R9"!-96UB97(@3&]A;G,Z/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V9O;G0M<W1Y;&4Z:71A;&EC.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR
M-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$X+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@("!5
M+E,N($-A<F0@4V5R=FEC97,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q
M+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^(#$V,"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ
M,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N
M,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#X@,3@X(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`S,#D@/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0Q+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#8U-R`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-3DT
M(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA
M;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#X@-S`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,2XR-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z
M,3$X+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG
M(#X@("!);G1E<FYA=&EO;F%L($-A<F0@4V5R=FEC97,\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M;&]R.B,P,#`P,#`[)R`^(#8P(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y
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M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-C`@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C0Q+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#4Y(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M;&0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/"]T<CX\
M='(@/CQT9"!S='EL93TS1'=I9'1H.C$Q."XU<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$X+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#Y#87)D
M($UE;6)E<B!296-E:79A8FQE<SH\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR
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M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/"]T9#X\=&0@
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M.B,P,#`P,#`[)R`^("`@52Y3+B!#87)D(%-E<G9I8V5S/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C@N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z
M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^
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M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M8F]T=&]M
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M+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@
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M9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^(#0T(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/B`T,R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
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M.B,P,#`P,#`[)R`^(#,R(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
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M,#`P,#`[)R`^5&]T86P\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
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M9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[8F]R
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M,#`P,#`[)R`^(#(R,"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ
M,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,3@X(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C$Q+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`S-3,@/"]F;VYT/CPO
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M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\
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M:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#<V
M,2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N
M,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#X@-CDV(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q
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M.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q
M+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^(#$P,B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CPO='(^/'1R(#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,3@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q."XU<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC
M;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N
M,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
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M='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
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M,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
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M,#`P,#`P.R<@/DQO86YS(&]V97(\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
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M(&-O;'-P86X],T0U(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3`X+C<U
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,#@N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,2XR-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$X
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@
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M=#MC;VQO<CHC,#`P,#`P.R<@/CDP($1A>7,\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
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M9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/DQO86YS("9A;7`[/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^
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M.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$
M-2!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$P."XW-7!T.W1E>'0M86QI
M9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`X+C<U
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M;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y087-T($1U93PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
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M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/DYO;BT\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[
M(#X\+W1D/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I
M9'1H.C0X+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0X+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P
M,#`P.R<@/E)E8V5I=F%B;&5S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^26UP86ER
M960\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y5;G!A:60\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ
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M.FET86QI8SMC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS
M1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HT."XW-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT."XW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF86UP.R!!8V-R=6EN
M9SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y!8V-R=6%L/"]F;VYT/CPO=&0^/'1D
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P
M,#`P.R<@/DUO9&EF:65D/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
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M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/DQO86YS("9A
M;7`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N
M,C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE
M/3-$=VED=&@Z-#@N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-#@N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^4')I;F-I<&%L/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/D%L
M;&]W86YC93PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3$N,C5P=#L@/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C$Q
M."XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,3$X+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[
M)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7-T>6QE.FET86QI8SMC
M;VQO<CHC,#`P,#`P.R<@/B`H36EL;&EO;G,I/"]F;VYT/CPO=&0^/'1D('-T
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P
M,#`P.R<@/DEN=&5R97-T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,2XR-7!T.R`^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P
M,#`P.R<@/BAA*3PO9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR
M-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y,;V%N<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3$N,C5P=#L@/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XH
M8BD\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB
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M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^87,@82!4
M1%(\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U
M<'0[(#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^*&,I/"]F
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M.V-O;&]R.B,P,#`P,#`[)R`^4F5C96EV86)L97,\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y
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M.B,P,#`P,#`[)R`^0F%L86YC93PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XH9"D\+V9O;G0^/"]S=7`^/"]T9#X\=&0@8V]L<W!A;CTS
M1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HT."XW-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT."XW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#YF;W(@5$12<SPO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@
M/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XH92D\+V9O;G0^
M/"]S=7`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$X+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/D-A<F0@365M8F5R($QO86YS.CPO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP
M=#MF;VYT+7-T>6QE.FET86QI8SMC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
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M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^("`@52Y3
M+B!#87)D(%-E<G9I8V5S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX
M+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V-O;&]R.B,P,#`P,#`[)R`^(#$W,"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q
M+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`R-#0@/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0Q+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC
M,#`P,#`P.R<@/B`S-S,@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`W.#<@/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q
M+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/B`W,S$@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT
M97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#@T(#PO9F]N=#X\+W1D/CQT9"!S='EL
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M.V-O;&]R.B,P,#`P,#`[)R`^("`@26YT97)N871I;VYA;"!#87)D(%-E<G9I
M8V5S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L
M;W(Z(S`P,#`P,#LG(#X@-30@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
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M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`T(#PO
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M=#MC;VQO<CHC,#`P,#`P.R<@/B`U(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
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M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`V
M,R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-C(@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z
M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\+W1R
M/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$X+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,3@N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/D-A
M<F0@365M8F5R(%)E8V5I=F%B;&5S.CPO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO
M<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX
M+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
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M;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI
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M;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P
M,#`P.R<@/B`@(%4N4RX@0V%R9"!397)V:6-E<SPO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP
M=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
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M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^
M("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB
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M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q
M,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
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M;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#4P(#PO9F]N=#X\
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M=#MC;VQO<CHC,#`P,#`P.R<@/B`U,"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
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M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,S@@/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^
M/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$X+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,3@N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4;W1A;#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q
M+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/B`R,C0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D
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M.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`R-#@@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P
M,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`T
M,C@@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT
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M=#MC;VQO<CHC,#`P,#`P.R<@/B`Y,#`@/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`X-#(@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S
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M;VQO<CHC,#`P,#`P.R<@/B`Q,C(@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\+W1R/CPO=&%B;&4^/"]D
M:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O/CQD:78^/'5L/CQL
M:2!S='EL93TS1&QI<W0M<W1Y;&4Z;&]W97(M86QP:&$[=&5X="UA;&EG;CIJ
M=7-T:69Y.VUA<F=I;BUT;W`Z-G!T.VUA<F=I;BUB;W1T;VTZ,G!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[)R`^5&AE($-O;7!A;GDF(S@R,3<[<R!P;VQI8WD@:7,@9V5N
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M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^:2YE+BP@/"]F;VYT
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M8V%T:6]N('!R;V=R86US(&EN8VQU9&4@8V5R=&%I;B`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[)R`^0V%R9"!-96UB97(\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^(&QO
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M;VYT+7-I>F4Z.'!T.R<@/B`D/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/C@W/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.'!T.R<@/B!M:6QL:6]N(&%N9"`D/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.R<@/CDR/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/B!M:6QL:6]N('1H
M870@87)E(&YO;BUA8V-R=6%L(&%N9"`D/"]F;VYT/CQF;VYT('-T>6QE/3-$
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M9F]N="US:7IE.CAP=#LG(#X@;6EL;&EO;B`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M)R`^=&AA="!A<F4@<&%S="!D=64@.3`@9&%Y<R!A;F0@<W1I;&P@86-C<G5I
M;F<@:6YT97)E<W0@87,@;V8\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#LG(#Y397!T96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^,C`Q-#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#LG(#X@86YD($1E8V5M8F5R(#,Q+"`\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#XL(')E<W!E8W1I=F5L
M>3PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#LG(#XN("`\+V9O;G0^/"]L:3X\;&D@<W1Y
M;&4],T1L:7-T+7-T>6QE.FQO=V5R+6%L<&AA.W1E>'0M86QI9VXZ:G5S=&EF
M>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C)P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.R<@/E5N<&%I9"!P<FD\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^;F-I<&%L
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M=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T
M;VTZ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^4F5P<F5S96YT<R!T:&4@<F5S97)V
M92!F;W(@;&]S<V5S(&9O<B!41%)S+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^
M=VAI8V@@87)E(&5V86QU871E9"!I;F1I=FED=6%L;'D\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[)R`^(&9O<B!I;7!A:7)M96YT+B`@5&AE($-O;7!A;GD@<F5C;W)D
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M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^(&%N9"!#;VQL96-T:79E;'D@
M9F]R($EM<&%I<FUE;G0@:6X@3F]T92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^
M-"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^9F]R(&9U<G1H97(@/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.R<@/FEN9F]R;6%T:6]N(')E9V%R9&EN9R`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[)R`^('1H92!R97-E<G9E(&9O<B!L;W-S97,@;VX@;&]A;G,@
M;W9E<B`Y,"!D87ES('!A<W0@9'5E(&%N9"!A8V-R=6EN9R!I;G1E<F5S="!A
M;F0@;F]N+6$\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^8V-R=6%L(&QO86YS+"!W
M:&EC:"!A<F4@979A;'5A=&5D(&-O;&QE8W1I=F5L>2!F;W(@:6UP86ER;65N
M="X@/"]F;VYT/CPO;&D^/"]U;#X\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S
M=&EF>3ML:6YE+6AE:6=H=#HQ,G!T.R`^/"]P/CPO9&EV/CQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YT97)E<W0@
M:6YC;VUE(')E8V]G;FEZ960@86YD(&%V97)A9V4@8F%L86YC92!O9B!I;7!A
M:7)E9"!#87)D($UE;6)E<B!L;V%N<R!A;F0@<F5C96EV86)L97,\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\9&EV/CQP('-T>6QE/3-$=&5X
M="UA;&EG;CIL969T.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,'!T
M.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N="!S='EL93TS1&9O;G0M9F%M:6QY
M.D-A;&EB<FD[9F]N="US:7IE.C$Q<'0[;6%R9VEN+6QE9G0Z,'!T.R`^#0H\
M+V9O;G0^/"]P/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I
M;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,W!T.VQI;F4M:&5I9VAT.C$R<'0[
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M:7IE9"!A;F0@879E<F%G92!B86QA;F-E<R!O9B`\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,7!T.R<@/FEM<&%I<F5D(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^0V%R9"!-
M96UB97(\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B!L;V%N<SPO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[)R`^+"!W:&EC:"!A<F4@;F]T('-I9VYI9FEC86YT(&9O<B!'
M0U,L/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#X@86YD(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^0V%R9"!-96UB97(@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YR
M96-E:79A8FQE<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^+"!W:&EC:"!A<F4@
M;F]T('-I9VYI9FEC86YT(&9O<B!)0U,@86YD($=#4RP\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/F9O<B!T:&4@=&AR
M964@86YD(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^;FEN92!M;VYT:',@96YD
M960\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^.CPO9F]N
M=#X\+W`^/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O/CQD
M:78^/'1A8FQE('-T>6QE/3-$8F]R9&5R+6-O;&QA<'-E.F-O;&QA<'-E.R`^
M/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,S<N,C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,S<N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$U<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$-2!R;W=S
M<&%N/3-$,2!S='EL93TS1'=I9'1H.C$U-"XU<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-30N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^5&AR964@36]N=&AS($5N9&5D/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D
M(&-O;'-P86X],T0U(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,34T+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C$U-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.:6YE
M($UO;G1H<R!%;F1E9#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,S<N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,S<N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C$U<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$-2!R;W=S<&%N/3-$,2!S
M='EL93TS1'=I9'1H.C$U-"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-30N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^4V5P=&5M8F5R(#,P+"`R,#$T/"]F;VYT
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y397!T96UB97(@,S`L(#(P,30\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D
M('-T>6QE/3-$=VED=&@Z,3,W+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3,W+C(U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[9F]N="US='EL93II=&%L:6,[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@
M8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HV.2XW-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M.2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^26YT97)E
M<W0@26YC;VUE/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y!=F5R86=E/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,35P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,35P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q
M('-T>6QE/3-$=VED=&@Z-CDN-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-CDN-S5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/DEN=&5R97-T($EN8V]M93PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C$U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS
M1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HV.2XW-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV.2XW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^079E<F%G93PO9F]N=#X\
M+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,S<N,C5P=#MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,S<N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="US='EL
M93II=&%L:6,[8V]L;W(Z(S`P,#`P,#LG(#X@*$UI;&QI;VYS*3PO9F]N=#X\
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M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E)E
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M;VQO<CHC,#`P,#`P.R<@/D)A;&%N8V4\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W
M<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HV.2XW-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV.2XW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^4F5C;V=N:7IE9#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIC96YT
M97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\
M=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HV.2XW
M-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV.2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^0F%L86YC93PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,S<N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,S<N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^0V%R9"!-96UB97(@3&]A;G,Z/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7-T>6QE.FET86QI8SMC;VQO<CHC,#`P
M,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-3@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU."XU<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C4X
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-3@N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T
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M=&@Z,3$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU."XU
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C4X+C5P=#L@/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C$S
M-RXR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$S-RXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^("`@52Y3+B!#87)D(%-E<G9I8V5S/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C4X
M+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#X@,3(@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,35P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N
M,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-3@N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HU."XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z
M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`V-S4@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-3@N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HU."XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`S-R`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HU."XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C4X+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#<S-"`\+V9O;G0^
M/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3,W+C(U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3,W
M+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@("!);G1E
M<FYA=&EO;F%L($-A<F0@4V5R=FEC97,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
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M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#X@-"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C4X+C5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#X@-C,@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU."XU<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C4X+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#$R
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M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`V,R`\+V9O
M;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3,W+C(U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3,W+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/D-A<F0@365M8F5R(%)E8V5I=F%B;&5S.CPO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
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M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/B`@(%4N4RX@0V%R9"!397)V:6-E<SPO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
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M9#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,3$N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HU."XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C4X+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#0T(#PO9F]N=#X\+W1D/CQT
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M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HU."XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C4X+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#0W(#PO9F]N
M=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,S<N,C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,S<N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E1O=&%L
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^
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M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C4X+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,38@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-3@N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU."XU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B`W.#(@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,35P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-3@N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HU."XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/B`T.2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HU."XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C4X+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#@T-"`\+V9O;G0^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z,3,W+C(U<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3,W+C(U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,35P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C4X
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
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M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU."XU<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
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M=&@Z-3@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C4X+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C4X+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU."XU<'0[(#X\
M+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,S<N,C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,S<N,C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
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M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^5&AR964@36]N=&AS
M($5N9&5D/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@
M/CPO=&0^/'1D(&-O;'-P86X],T0U(')O=W-P86X],T0Q('-T>6QE/3-$=VED
M=&@Z,34T+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$U-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y.:6YE($UO;G1H<R!%;F1E9#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,S<N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,S<N,C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$U<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$-2!R;W=S
M<&%N/3-$,2!S='EL93TS1'=I9'1H.C$U-"XU<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIC
M96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-30N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^4V5P=&5M8F5R(#,P+"`R
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M(S`P,#`P,#LG(#Y397!T96UB97(@,S`L(#(P,3,\+V9O;G0^/"]T9#X\+W1R
M/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3,W+C(U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3,W+C(U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[9F]N="US='EL93II=&%L:6,[8V]L;W(Z(S`P,#`P,#LG
M(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^
M/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T
M:#HV.2XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV.2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^26YT97)E<W0@26YC;VUE/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,35P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
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M8V]L;W(Z(S`P,#`P,#LG(#Y!=F5R86=E/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0R(')O
M=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-CDN-S5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-CDN-S5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/DEN=&5R97-T($EN8V]M93PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@
M8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HV.2XW-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M.2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^079E<F%G
M93PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,S<N
M,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,S<N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/C(P,3,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M<W1Y;&4Z:71A;&EC
M.V-O;&]R.B,P,#`P,#`[)R`^("A-:6QL:6]N<RD\+V9O;G0^/"]T9#X\=&0@
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M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y296-O9VYI>F5D
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y"86QA;F-E/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
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M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E)E8V]G;FEZ960\+V9O;G0^/"]T9#X\
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M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/D)A;&%N
M8V4\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3,W
M+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3,W+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/D-A<F0@365M8F5R($QO86YS.CPO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[9F]N="US='EL93II=&%L:6,[8V]L;W(Z(S`P,#`P,#LG(#X@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C4X+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU."XU<'0[8F]R
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M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-3@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
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M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU."XU<'0[
M(#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,S<N,C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,S<N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`@(%4N
M4RX@0V%R9"!397)V:6-E<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-3@N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU."XU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,3$@/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C4X+C5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3@N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#@U.2`\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-3@N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HU."XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@,S0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,35P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C4X+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#DX,B`\+V9O;G0^/"]T9#X\+W1R
M/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3,W+C(U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3,W+C(U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@("!);G1E<FYA=&EO;F%L
M($-A<F0@4V5R=FEC97,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N
M.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C4X+C5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#0@/"]F;VYT/CPO=&0^/'1D
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M:SMM:6XM=VED=&@Z-3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^(#8V(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C$U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA
M;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU."XU<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C4X+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`Q,B`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y
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M(S`P,#`P,#LG(#X@-C@@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL
M93TS1'=I9'1H.C$S-RXR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$S-RXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#Y#87)D($UE;6)E<B!2
M96-E:79A8FQE<SH\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.F-E
M;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C4X+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU."XU<'0[=&5X
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M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^/"]T9#X\+W1R
M/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3,W+C(U<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3,W+C(U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@("!5+E,N($-A<F0@
M4V5R=FEC97,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
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M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@
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M<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-C(@/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M:SMM:6XM=VED=&@Z-3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T
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M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@
M.#D@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C$S
M-RXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$S-RXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^5&]T86P\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C4X+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^(#$U(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
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M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
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M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`Y.#<@/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C4X+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^(#0V(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U
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M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O
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M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`Q+#$S.2`\+V9O;G0^/"]T
M9#X\+W1R/CPO=&%B;&4^/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4<F]U8FQE9"!D96)T(')E<W1R=6-T
M=7)I;F=S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/&1I=CX\
M<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C9P=#MM
M87)G:6XM8F]T=&]M.C9P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,7!T.VUA<F=I;BUL969T.C!P=#LG(#Y4:&4@9F]L;&]W:6YG('1A8FQE('!R
M;W9I9&5S(&%D9&ET:6]N86P@:6YF;W)M871I;VX@=VET:"!R97-P96-T('1O
M('1H92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/E4N4RX@0V%R9"!397)V:6-E
M<R`H55-#4RD@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#Y#87)D($UE;6)E<CPO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$Q<'0[)R`^(&QO86YS(&%N9"!R96-E:79A8FQE<R!M
M;V1I9FEE9"!A<R!41%)S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#X@/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3%P=#LG(#YF;W(\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B!T
M:&4@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YT:')E92!A;F0@/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3%P=#LG(#YN:6YE(&UO;G1H<R!E;F1E9#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^4V5P=&5M8F5R(#,P
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#XN(%1H92!)0U,@86YD($=#4R!#87)D
M($UE;6)E<B!L;V%N<R!A;F0@<F5C96EV86)L97,@;6]D:69I8V%T:6]N<R!W
M97)E(&YO=#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^('-I9VYI9FEC86X\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.R<@/G0N/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#X@
M1F]R(&EN9F]R;6%T:6]N(&]N(%1$4G,@86YD('1H92!R96QA=&5D(&%C8V]U
M;G1I;F<@<&]L:6-I97,L(')E9F5R('1O($YO=&4@-"!O;B!P86=E<R`W-"`F
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M92!S='EL93TS1&)O<F1E<BUC;VQL87!S93IC;VQL87!S93L@/CQT<B`^/'1D
M('-T>6QE/3-$=VED=&@Z.3@N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HY."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0X(')O=W-P
M86X],T0Q('-T>6QE/3-$=VED=&@Z,3@Q+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$X,2XU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C=P=#MC;VQO<CHC,#`P,#`P.R<@/E1H<F5E($UO;G1H<R!%;F1E9#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y
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M:#HQ.#$N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.:6YE
M($UO;G1H<R!%;F1E9#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4]
M,T1W:61T:#HY."XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.CDX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#@@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HQ.#$N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N
M=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3@Q+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^4V5P=&5M8F5R(#,P+"`R,#$T
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M,#`P,#`P.R<@/E-E<'1E;6)E<B`S,"P@,C`Q-#PO9F]N=#X\+W1D/CPO='(^
M/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HY."XR-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CDX+C(U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT,BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
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M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,V<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C,Y<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M,BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y!=F5R86=E
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG
M;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#(N-S5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E
M<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0R+C<U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C,V<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS.7!T.V)O<F1E<BUT;W`M<W1Y
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M;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#(N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P
M,#`[)R`^079E<F%G93PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4]
M,T1W:61T:#HY."XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.CDX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0R+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C,V<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,V<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS.7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG
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M;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^4&%Y;65N=#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#(N-S5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS-G!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,Y<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Y<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/D%V97)A9V4\+V9O;G0^/"]T
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M;VQO<CHC,#`P,#`P.R<@/E!A>6UE;G0\+V9O;G0^/"]T9#X\+W1R/CQT<B`^
M/'1D('-T>6QE/3-$=VED=&@Z.3@N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY."XR-7!T.R`^/"]T9#X\=&0@
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M,#`P,#`[)R`^3G5M8F5R(&]F/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N
M/3-$,2!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/=71S=&%N9&EN9SPO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS.7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y);G1E<F5S="!2871E/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT,BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4
M97)M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.=6UB97(@;V8\+V9O;G0^
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M97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/D]U='-T
M86YD:6YG/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS.7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS.7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y);G1E<F5S="!2871E/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y497)M/"]F;VYT/CPO=&0^/"]T<CX\='(@
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M,#`P,#`P.R<@/D%C8V]U;G1S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M-W!T.V-O;&]R.B,P,#`P,#`[)R`^0F%L86YC97,\+V9O;G0^/'-U<#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/BAA*2AB*3PO9F]N=#X\+W-U<#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS.7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y2961U8W1I;VX\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0R
M+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0R+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@
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M;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^06-C;W5N=',\
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@
M/D)A;&%N8V5S/"]F;VYT/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XH82DH8BD\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,Y<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,Y<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/E)E9'5C=&EO
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M+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^17AT96YS:6]N/"]F;VYT/CPO
M=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.CDX+C(U<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.3@N
M,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0R+C<U<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0R+C<U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/BAI;B!T:&]U<V%N9',I/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T
M9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HT
M,RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[
M)R`^*"0@:6X@;6EL;&EO;G,I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS.7!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#XH)2!0
M;VEN=',I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#XH(R!O9B!-;VYT
M:',I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#XH:6X@=&AO=7-A;F1S
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P
M,#`P.R<@/B@D(&EN(&UI;&QI;VYS*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS
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M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^
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M=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^*",@;V8@
M36]N=&AS*3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T
M:#HY."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.CDX+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^5')O=6)L960@1&5B="!297-T<G5C='5R:6YG
M<SH\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#(N-S5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/"]T9#X\
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M9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C,V<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS.7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Y<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT,BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
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M<CHC,#`P,#`P.R<@/D-A<F0@365M8F5R($QO86YS/"]F;VYT/CPO=&0^/'1D
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M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,3$\+V9O;G0^/"]T9#X\=&0@
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M;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C,V<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C,V<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^.#,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
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M;W(Z(S`P,#`P,#LG(#XY/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT,BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/BAC*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT,BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/C,U/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-G!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/C(V,3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS.7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS.7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/C$Q/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/BAC*3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HY
M."XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.CDX+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P
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M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^-#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS-G!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/C0Q/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M.7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/BAC*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
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M;W(Z(S`P,#`P,#LG(#XQ,CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
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M8V]L;W(Z(S`P,#`P,#LG(#XQ,3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-G!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HW<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/C$R.3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,SEP=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,SEP
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-W!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
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M86X[9F]N="US:7IE.C=P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^,3(\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED
M=&@Z.3@N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HY."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y4;W1A;#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M,BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HW<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/C$U/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-G!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/C$R-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS.7!T.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0R+C<U<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0R+C<U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HW<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C0V/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-G!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C,Y,#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS.7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS.7!T.R`^/"]T9#X\=&0@
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M(#X\=&0@<W1Y;&4],T1W:61T:#HY."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CDX+C(U<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT,BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0R+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S9P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-G!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,SEP=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#(N
M-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT,BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#(N-S5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
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M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4:')E92!-;VYT:',@
M16YD960\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T
M.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#@@<F]W<W!A;CTS1#$@<W1Y;&4],T1W
M:61T:#HQ.#$N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3@Q+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P
M,#`[)R`^3FEN92!-;VYT:',@16YD960\+V9O;G0^/"]T9#X\+W1R/CQT<B`^
M/'1D('-T>6QE/3-$=VED=&@Z.3@N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY."XR-7!T.R`^/"]T9#X\=&0@
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M4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E
M<B`S,"P@,C`Q,SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T
M.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-"XU<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$."!R;W=S<&%N/3-$,2!S
M='EL93TS1'=I9'1H.C$X,2XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ.#$N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y397!T96UB97(@,S`L(#(P,3,\+V9O;G0^
M/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z.3@N,C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY."XR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#(N-S5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0R+C<U<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,V
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS.7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
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M=&@Z-#(N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#(N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[
M)R`^079E<F%G93PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T
M.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0R+C<U<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E
M;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
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M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Y<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y
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M;VQO<CHC,#`P,#`P.R<@/D%V97)A9V4\+V9O;G0^/"]T9#X\+W1R/CQT<B`^
M/'1D('-T>6QE/3-$=VED=&@Z.3@N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY."XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#(N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-G!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-G!T.R`^
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M.B,P,#`P,#`[)R`^079E<F%G93PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#(N
M-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#(N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^
M4&%Y;65N=#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#(N-S5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-G!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,Y<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,Y<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/D%V97)A9V4\
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M:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/E!A>6UE;G0\+V9O;G0^/"]T9#X\
M+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z.3@N,C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY."XR-7!T.R`^
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M.V-O;&]R.B,P,#`P,#`[)R`^3G5M8F5R(&]F/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$
M,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/=71S=&%N9&EN9SPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS.7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS.7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y);G1E<F5S="!2871E/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,BXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y497)M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M,BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.=6UB97(@
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P
M.R<@/D]U='-T86YD:6YG/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS.7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y);G1E<F5S="!2
M871E/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y497)M/"]F;VYT/CPO=&0^
M/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.CDX+C(U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.3@N,C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0R+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0R+C<U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P
M=#MC;VQO<CHC,#`P,#`P.R<@/D%C8V]U;G1S/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS
M1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^0F%L86YC97,\+V9O;G0^
M/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/BAA*2AB*3PO9F]N
M=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS.7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS.7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y2961U8W1I;VX\+V9O;G0^/"]T9#X\=&0@
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M,#`P,#`P.R<@/D5X=&5N<VEO;CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#(N
M-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#(N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^
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M,#`P,#`P.R<@/D)A;&%N8V5S/"]F;VYT/CQS=7`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XH82DH8BD\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C,Y<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C,Y<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@
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M;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^17AT96YS:6]N
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M4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/BAI;B!T:&]U
M<V%N9',I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N
M-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4]
M,T1W:61T:#HT,RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R
M.B,P,#`P,#`[)R`^*"0@:6X@;6EL;&EO;G,I/"]F;VYT/CPO=&0^/'1D('-T
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P
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M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^
M*",@;V8@36]N=&AS*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT,BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#XH:6X@
M=&AO=7-A;F1S*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@
M<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T
M.V-O;&]R.B,P,#`P,#`[)R`^*"0@:6X@;6EL;&EO;G,I/"]F;VYT/CPO=&0^
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M<CHC,#`P,#`P.R<@/B@E(%!O:6YT<RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
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M,#`P,#`[)R`^*",@;V8@36]N=&AS*3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\
M=&0@<W1Y;&4],T1W:61T:#HY."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CDX+C(U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^5')O=6)L960@1&5B
M="!297-T<G5C='5R:6YG<SH\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#(N-S5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M,BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L
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M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C,V<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS.7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Y<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT,BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
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M;VQO<CHC,#`P,#`P.R<@/D-A<F0@365M8F5R($QO86YS/"]F;VYT/CPO=&0^
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M<CHC,#`P,#`P.R<@/C$R(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C,V<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,V<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P
M=#MC;VQO<CHC,#`P,#`P.R<@/CDQ/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,Y
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,Y<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/C$P/"]F
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M.C=P=#MC;VQO<CHC,#`P,#`P.R<@/BAC*3PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT,BXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT,BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XT-SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C,V<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,V<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC
M,#`P,#`P.R<@/C,U-SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS.7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS.7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ,3PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT,BXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XH8RD\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T
M>6QE/3-$=VED=&@Z.3@N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY."XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y#87)D($UE;6)E<B!296-E:79A8FQE<SPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT,BXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,BXW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#XT(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^-#D\
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M.V-O;&]R.B,P,#`P,#`[)R`^*&,I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0R
M+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0R+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@
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M9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/C$V/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS-G!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P
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M+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^*&,I/"]F;VYT/CPO=&0^/'1D
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M,#`P,#`P.R<@/C$R/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS
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M,#`P,#`[)R`^5&]T86P\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#(N-S5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#(N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^,38@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,S9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,S9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P
M,#`[)R`^,30P/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[
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M=#MC;VQO<CHC,#`P,#`P.R<@/C8S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#XD
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S9P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S9P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^-38Q/"]F;VYT/CPO=&0^/'1D
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M961I871E;'D@<')I;W(@=&\@;6]D:69I8V%T:6]N+B`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[)R`^36]D:69I8V%T:6]N<R!D:60@;F]T(')E9'5C92!T:&4@86=G
M<F5G871E('!R:6YC:7!A;"!B86QA;F-E<R!E>&-E<'0@9F]R('1H92`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[)R`^;FEN92!M;VYT:',@96YD960\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#Y397!T96UB97(@
M,S`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
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M;G0M<VEZ93HX<'0[)R`^(&UI;&QI;VXN(#PO9F]N=#X\+VQI/CQL:2!S='EL
M93TS1&QI<W0M<W1Y;&4Z;&]W97(M86QP:&$[=&5X="UA;&EG;CIJ=7-T:69Y
M.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,G!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[)R`^5&AE(&]U='-T86YD:6YG(&)A;&%N8V4@:6YC;'5D97,@<')I;F-I
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M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^:6]N('!R
M;V=R86US(&9O<B!#87)D($UE;6)E<B!R96-E:79A8FQE<R!A<R!T:&4@<F5C
M96EV86)L97,@87)E(&YO;BUI;G1E<F5S="`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M)R`^8F5A<FEN9RX@/"]F;VYT/CPO;&D^/"]U;#X\<"!S='EL93TS1'1E>'0M
M86QI9VXZ;&5F=#MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C!P=#ML
M:6YE+6AE:6=H=#HQ,G!T.R`^/"]P/CPO9&EV/CQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5')O=6)L960@9&5B="!R
M97-T<G5C='5R:6YG<R!T:&%T('-U8G-E<75E;G1L>2!D969A=6QT960\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\9&EV/CQP('-T>6QE/3-$
M=&5X="UA;&EG;CIL969T.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ
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M)R`^5&AE(&9O;&QO=VEN9R!T86)L92!P<F]V:61E<R!I;F9O<FUA=&EO;B`\
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M<VEZ93HQ,7!T.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/E-E<'1E;6)E
M<B`S,#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y
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M4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^=VET:"!R97-P96-T('1O('1H92`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/E530U,@0V%R9"!-96UB97(\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,7!T.R<@/B!L;V%N<R!A;F0@<F5C96EV86)L97,@;6]D:69I
M960@87,@5$12<R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/G1H870@<W5B<V5Q
M=65N=&QY(&1E9F%U;'1E9#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^('<\+V9O
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M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^:7,@8V]N<VED97)E9"!T;R!H879E
M(&)E96X@:6X@9&5F875L="!F<F]M(&$@;6]D:69I8V%T:6]N('!R;V=R86T@
M869T97(@;VYE(&%N9"!U<"!T;R!T=V\@8V]N<V5C=71I=F4@;6ES<V5D('!A
M>6UE;G1S+"!D97!E;F1I;F<@;VX@=&AE('1E<FUS(&]F('1H92!M;V1I9FEC
M871I;VX@<')O9W)A;3PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^+CPO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[)R`^($9O<B!A;&P@0V%R9"!-96UB97)S('1H870@9&5F
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M+W`^/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O/CQD:78^
M/'1A8FQE('-T>6QE/3-$8F]R9&5R+6-O;&QA<'-E.F-O;&QA<'-E.R`^/'1R
M(#X\=&0@<W1Y;&4],T1W:61T:#HR,SDN,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,SDN,C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$
M-2!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$Q,7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N
M=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$Q<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/E1H<F5E($UO;G1H<R!%;F1E9#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,3%P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C$Q,7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.:6YE($UO
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M.CAP=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E<B`S,"P@,C`Q-#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,3%P
M=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$Q,7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y3
M97!T96UB97(@,S`L(#(P,30\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T
M>6QE/3-$=VED=&@Z,C,Y+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,C,Y+C(U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0S+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/D%G9W)E9V%T960\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT,RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E
M<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y!9V=R96=A=&5D/"]F;VYT/CPO=&0^/"]T<CX\
M='(@/CQT9"!S='EL93TS1'=I9'1H.C(S.2XR-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(S.2XR-7!T.R`^/"]T
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M=#MC;VQO<CHC,#`P,#`P.R<@/D]U='-T86YD:6YG(#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT,RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#,N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
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M;&]R.B,P,#`P,#`[)R`^3W5T<W1A;F1I;F<@/"]F;VYT/CPO=&0^/"]T<CX\
M='(@/CQT9"!S='EL93TS1'=I9'1H.C(S.2XR-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(S.2XR-7!T.R`^/"]T
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/DYU;6)E<B!O9CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/D)A;&%N8V5S/"]F
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M;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y.=6UB97(@;V8\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
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M=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y"86QA
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M:71A;&EC.V-O;&]R.B,P,#`P,#`[)R`^*$%C8V]U;G1S(&EN('1H;W5S86YD
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
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M;VQO<CHC,#`P,#`P.R<@/E5P;VX@1&5F875L=#PO9F]N=#X\<W5P/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^*&$I/"]F;VYT/CPO<W5P/CPO=&0^
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M<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y!8V-O=6YT<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HU,2XW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU,2XW-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y5<&]N($1E9F%U;'0\+V9O;G0^
M/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/BAA*3PO9F]N=#X\
M+W-U<#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HR,SDN,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR
M,SDN,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#Y4<F]U8FQE9"!$96)T(%)E<W1R=6-T=7)I;F=S(%1H870@
M4W5B<V5Q=65N=&QY($1E9F%U;'1E9#H\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R
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M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT,RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL
M93TS1'=I9'1H.C(S.2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C(S.2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y#87)D($UE;6)E<B!,;V%N<SPO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#XR/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/C(P/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N
M,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/C8\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^-C`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$
M=VED=&@Z,C,Y+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,C,Y+C(U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO
M<CHC,#`P,#`P.R<@/D-A<F0@365M8F5R(%)E8V5I=F%B;&5S/"]F;VYT/CPO
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M;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C$\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C@N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT,RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XY/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,CPO9F]N=#X\+W1D/CQT9"!S
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M;&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(W/"]F;VYT/CPO=&0^/"]T<CX\
M='(@/CQT9"!S='EL93TS1'=I9'1H.C(S.2XR-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(S.2XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4;W1A;#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
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M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XS/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C@N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HX+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(Y/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C@N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C0S+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/C@\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C@N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^.#<\+V9O;G0^/"]T9#X\+W1R/CQT<B`^
M/'1D('-T>6QE/3-$=VED=&@Z,C,Y+C(U<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C,Y+C(U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C([=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
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M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C([
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#,N-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,C,Y
M+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C,Y+C(U<'0[(#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P
M,#`P,#`[)R`^(#PO9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#,N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D
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M/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO
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M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT,RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D
M('-T>6QE/3-$=VED=&@Z,C,Y+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,C,Y+C(U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#4@<F]W
M<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,3%P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q,7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4:')E92!-;VYT:',@16YD960\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
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M;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^3FEN92!-;VYT:',@
M16YD960\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z
M,C,Y+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C,Y+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@
M<W1Y;&4],T1W:61T:#HQ,3%P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q,7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y397!T96UB97(@,S`L(#(P,3,\+V9O;G0^/"]T
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M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^4V5P=&5M
M8F5R(#,P+"`R,#$S/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS
M1'=I9'1H.C(S.2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C(S.2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N
M=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y!9V=R96=A=&5D/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N
M,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E
M;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^06=G<F5G871E9#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\
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M.C<N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y
M;&4],T1W:61T:#HU,2XW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HU,2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y/=71S=&%N9&EN9R`\+V9O;G0^/"]T9#X\=&0@<W1Y
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M,#`P,#`P.R<@/D]U='-T86YD:6YG(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\
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M:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
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M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y"86QA;F-E<SPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P
M,#`P,#`[)R`^3G5M8F5R(&]F/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^0F%L86YC97,\
M+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,C,Y+C(U
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,C,Y+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MF;VYT+7-T>6QE.FET86QI
M8SMC;VQO<CHC,#`P,#`P.R<@/BA!8V-O=6YT<R!I;B!T:&]U<V%N9',L($1O
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M=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y!8V-O
M=6YT<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W
M:61T:#HU,2XW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HU,2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y5<&]N($1E9F%U;'0\+V9O;G0^/'-U<#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/BAA*3PO9F]N=#X\+W-U<#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HX+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT,RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^06-C;W5N=',\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
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M.'!T.V-O;&]R.B,P,#`P,#`[)R`^57!O;B!$969A=6QT/"]F;VYT/CQS=7`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XH82D\+V9O;G0^/"]S=7`^
M/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,C,Y+C(U<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C,Y+C(U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^5')O=6)L960@1&5B="!297-T<G5C='5R:6YG<R!4:&%T(%-U8G-E
M<75E;G1L>2!$969A=6QT960Z/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX
M+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#,N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
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M,#`P,#`[)R`^0V%R9"!-96UB97(@3&]A;G,\+V9O;G0^/"]T9#X\=&0@<W1Y
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M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C0\
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M.'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XS-SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^,34\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ,S@\+V9O
M;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,C,Y+C(U<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,C,Y+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/D-A
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M=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ
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M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XX/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
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M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XS,SPO9F]N=#X\+W1D/CPO='(^
M/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HR,SDN,C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,SDN,C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/C4\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XT-3PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^,3@\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XQ-S$\+V9O;G0^/"]T9#X\+W1R/CPO=&%B;&4^/"]D:78^
M/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O/CQD:78^/'`@<W1Y;&4]
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M+7-I>F4Z.'!T.R<@/BP@9F5E<R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^86YD
M(&%C8W)U960@:6YT97)E<W0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^(&]N($-A
M<F0@365M8F5R(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#YL/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.R<@/F]A;G,@86YD('!R:6YC:7!A;"!A;F0@9F5E<R!O;B!#87)D
M($UE;6)E<B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^<CPO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#LG(#YE8V5I=F%B;&5S+CPO9F]N=#X\+VQI/CPO=6P^/"]D:78^/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@
M(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X8V,V8V5E
M8U\T.3!B7S0R9CE?.#)D,%\V83(S,3%F-S<P.6$-"D-O;G1E;G0M3&]C871I
M;VXZ(&9I;&4Z+R\O0SHO.&-C-F-E96-?-#DP8E\T,F8Y7S@R9#!?-F$R,S$Q
M9C<W,#EA+U=O<FMS:&5E=',O4VAE970R."YH=&UL#0I#;VYT96YT+51R86YS
M9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z
M('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\
M:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O
M;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y
M<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@
M4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O
M9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P13%!04,^
M#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X]
M,T0Q(')O=W-P86X],T0R/CQS=')O;F<^4F5S97)V97,@1F]R($QO<W-E<R`H
M5&%B;&5S*3QB<CX\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,]
M,T1T:"!C;VQS<&%N/3-$,3XY($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y397`N
M(#,P+"`R,#$T/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#X\<W1R;VYG/E)E<V5R=F5S($9O<B!,;W-S97,@5&%B;&5S(%M!8G-T<F%C
M=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/D-H86YG97,@:6X@=&AE($-A<F0@365M8F5R(')E8V5I=F%B;&4@<F5S97)V
M92!F;W(@;&]S<V5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/&1I=CX\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P
M.C!P=#MM87)G:6XM8F]T=&]M.C9P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.VUA<F=I;BUL969T.C!P=#MC;VQO<CHC,#`P,#`P.R<@/E1H
M92!F;VQL;W=I;F<@=&%B;&4@<')E<V5N=',@8VAA;F=E<R!I;B!T:&4@/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/D-A<F0@365M8F5R
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B!R96-E:79A
M8FQE<R!R97-E<G9E(&9O<B!L;W-S97,@9F]R/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P
M=#MC;VQO<CHC,#`P,#`P.R<@/B!T:&4\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O
M;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P
M,#`P,#LG(#YN:6YE(&UO;G1H<R!E;F1E9#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[
M8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC
M,#`P,#`P.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XZ/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P
M,#`P.R<@/B`\+V9O;G0^/"]P/CPO9&EV/CQP('-T>6QE/3-$;&EN92UH96EG
M:'0Z,C!P=#L@+SX\9&EV/CQT86)L92!S='EL93TS1&)O<F1E<BUC;VQL87!S
M93IC;VQL87!S93L@/CQT<B`^/'1D(&-O;'-P86X],T0S(')O=W-P86X],T0Q
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M<'0[9F]N="US='EL93II=&%L:6,[8V]L;W(Z(S`P,#`P,#LG(#XH36EL;&EO
M;G,I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO
M9F]N=#X\+W1D/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS
M1'=I9'1H.C8W+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D(&-O;'-P86X]
M,T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-C<N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV-RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$S/"]F;VYT/CPO
M=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,R!R;W=S<&%N/3-$,2!S='EL
M93TS1'=I9'1H.C,R-"XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C,R-"XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^0F%L86YC92P@2F%N=6%R>28C,38P.S$\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV,'!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XS.#8\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV,'!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV,'!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^-#(X/"]F;VYT/CPO
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M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/E!R;W9I<VEO;G,\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XH82D\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M<CHC,#`P,#`P.R<@/C4Y-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C@N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV,'!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV,'!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^-#<T/"]F;VYT/CPO=&0^
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M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/DYE="!W<FET92UO9F9S/"]F;VYT/CQS=7`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^*&(I/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M,'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#XH-3(W*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C@N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV,'!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV,'!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^*#4P-RD\+V9O;G0^
M/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N
M,C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE
M/3-$=VED=&@Z,S$V+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS,38N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^3W1H97(\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XH8RD\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B@R,2D\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
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M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
M/C$\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0S(')O=W-P
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M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y"86QA;F-E+"!397!T96UB97(@
M,S`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV,'!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV,'!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XT,S(\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV,'!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV,'!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^,SDV/"]F;VYT/CPO=&0^/"]T<CX\+W1A8FQE
M/CPO9&EV/CQP('-T>6QE/3-$;&EN92UH96EG:'0Z,C!P=#L@+SX\9&EV/CQU
M;#X\;&D@<W1Y;&4],T1L:7-T+7-T>6QE.FQO=V5R+6%L<&AA.W1E>'0M86QI
M9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C9P=#MM87)G:6XM8F]T=&]M.C)P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^4#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#MC;VQO<CHC,#`P,#`P.R<@/G)O=FES:6]N<R!F;W(\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^<')I;F-I<&%L("AR97-U;'1I;F<@9G)O;2!A
M=71H;W)I>F5D('1R86YS86-T:6]N<RD@86YD(&9E92!R97-E<G9E(&-O;7!O
M;F5N=',N(#PO9F]N=#X\+VQI/CQL:2!S='EL93TS1&QI<W0M<W1Y;&4Z;&]W
M97(M86QP:&$[=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA
M<F=I;BUB;W1T;VTZ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y#;VYS:7-T<R!O9B!P<FEN8VEP86P@*')E<W5L=&EN9R!F<F]M(&%U=&AO
M<FEZ960@=')A;G-A8W1I;VYS*2!A;F0@9F5E(&-O;7!O;F5N=',L(&QE<W,@
M<F5C;W9E<FEE<R!O9B`D/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^,C8Y/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M(&UI;&QI;VX@86YD(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/B0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XS,#0\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@;6EL;&EO;BP@
M:6YC;'5D:6YG(&YE="!W<FET92UO9F9S(&9R;VT@5$12<R!O9B`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^,30\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#X@;6EL;&EO;B!A;F0@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/C$V/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^(&UI;&QI;VXL(&9O<B!T:&4@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^;FEN92!M;VYT:',@96YD960\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XR,#$T/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^(&%N9"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XR
M,#$S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^+#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!R97-P96-T:79E;'DN
M(#PO9F]N=#X\+VQI/CQL:2!S='EL93TS1&QI<W0M<W1Y;&4Z;&]W97(M86QP
M:&$[=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB
M;W1T;VTZ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y"96=I
M;FYI;F<@:6X@9FER<W0@<75A<G1E<B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XR,#$T/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P
M,#`P,#`[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#YR97-E<G9E<R!F;W(@8V%R9"!R96QA=&5D(&9R875D(&QO<W-E<SPO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YO9B`D/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^*#<I/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^(&UI;&QI;VX@87)E(')E9FQE8W1E9"!I;B`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YO=&AE<CPO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!L:6%B:6QI=&EE<RX@06QL('!E
M<FEO9',@:6YC;'5D92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#YF;W)E:6=N(&-U<G)E;F-Y('1R86YS;&%T:6]N(&%D:G5S=&UE;G1S
M(&]F(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B0H-BD\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^;6EL;&EO;B`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YA;F0@)#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B@S*3PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/B!M:6QL:6]N(&9O<B!T:&4@/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.R<@/FYI;F4@;6]N=&AS(&5N9&5D/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^4V5P=&5M8F5R(#,P/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.R<@/BP@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/C(P,30\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[)R`^(&%N9"`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#XL(')E<W!E8W1I=F5L>3PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#LG(#XL/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/B`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YA;F0@;W1H97(@
M:71E;7,@;V8@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M)#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B@X*3PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!M:6QL:6]N(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/F%N9"`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/B!M:6QL:6]N(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/F9O<B!T:&4@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/FYI;F4@
M;6]N=&AS(&5N9&5D/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/B`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@
M/BP@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/C(P,30\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[)R`^(&%N9"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^,C`Q,SPO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#LG(#XL(')E<W!E8W1I=F5L>3PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/BX\+V9O;G0^/"]L:3X\+W5L/CQP('-T>6QE
M/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VQI;F4M:&5I9VAT.C$R<'0[(#X\+W`^
M/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y#87)D($UE;6)E<B!R96-E:79A8FQE<R!A;F0@<F5L871E9"!R
M97-E<G9E<R!E=F%L=6%T960@<V5P87)A=&5L>2!A;F0@8V]L;&5C=&EV96QY
M(&9O<B!I;7!A:7)M96YT/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/&1I=CX\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM
M=&]P.C9P=#MM87)G:6XM8F]T=&]M.C9P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,7!T.VUA<F=I;BUL969T.C!P=#LG(#Y4:&4@9F]L;&]W:6YG
M('1A8FQE('!R97-E;G1S(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^0V%R9"!-
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M:7IE.C$Q<'0[)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG
M(#XL(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^,C`Q-#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^(&%N9"!$96-E;6)E<B`S,2P@/"]F;VYT/CQF;VYT('-T>6QE
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M9"!S='EL93TS1'=I9'1H.C,T-2XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T-2XW-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V9O;G0M<W1Y;&4Z:71A;&EC.V-O;&]R.B,P,#`P,#`[)R`^*$UI;&QI
M;VYS*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
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M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
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M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$S/"]F;VYT
M/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C,T-2XW-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T-2XW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^0V%R9"!-96UB
M97(@<F5C96EV86)L97,@979A;'5A=&5D(&EN9&EV:61U86QL>2!F;W(@:6UP
M86ER;65N=#PO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/BAA*3PO9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XT-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CDN-S5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY+C<U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/C4P/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS
M1'=I9'1H.C,T-2XW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,T-2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^4F5L871E9"!R97-E<G9E<R`\+V9O;G0^/'-U<#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XH82D\+V9O;G0^/"]S=7`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M,S(\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY+C<U<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.2XW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0U<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XS.#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\
M=&0@<W1Y;&4],T1W:61T:#HS-#4N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-#4N-S5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/D-A<F0@365M8F5R(')E8V5I=F%B;&5S(&5V
M86QU871E9"!C;VQL96-T:79E;'D@9F]R(&EM<&%I<FUE;G0\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^-#4L,#<S/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z.2XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.CDN-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^-#0L,3$S/"]F;VYT/CPO
M=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C,T-2XW-7!T.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T
M-2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^4F5L871E
M9"!R97-E<G9E<R`\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XH8BD\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ
M,"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,3`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^-#`P/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
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M<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
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M.B,P,#`P,#`[)R`^4F5P<F5S96YT<R!R96-E:79A8FQE<R!M;V1I9FEE9"!I
M;B!A(%1$4B!A;F0@<F5L871E9"!R97-E<G9E<SPO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/BX\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^4F5F97(@=&\\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#X@=&AE($EM<&%I<F5D(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/D-A<F0@365M8F5R/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P
M,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
M/DQO86YS/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(&%N
M9"!296-E:79A8FQE<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/B!D:7,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YC
M=7-S:6]N(&EN($X\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#YO=&4@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^-#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!O;B!P86=E<R`W
M-"`F(S@R,3$[(#<V/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^(&]F('1H92!!;FYU86P@4F5P;W)T(#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/F9O<B!F=7)T:&5R(&EN9F]R;6%T:6]N+CPO9F]N
M=#X\+VQI/CQL:2!S='EL93TS1&QI<W0M<W1Y;&4Z;&]W97(M86QP:&$[=&5X
M="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ
M,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4:&4@<F5S97)V
M97,@:6YC;'5D92!T:&4@<75A;G1I=&%T:79E(')E<W5L=',@;V8@86YA;'ET
M:6-A;"!M;V1E;',@=&AA="!A<F4@<W!E8VEF:6,@=&\@:6YD:79I9'5A;"!P
M;V]L<R!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YR
M96-E:79A8FQE<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
M/B!A;F0@<F5S97)V97,@9F]R(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/FEN=&5R;F%L(&%N9"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#YE>'1E<FYA;"!Q=6%L:71A=&EV92`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YR:7-K(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#MC;VQO<CHC,#`P,#`P.R<@/F9A8W1O<G,@=&AA="!A<'!L>2!T;R!R
M96-E:79A8FQE<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
M/B!T:&%T(&%R92!C;VQL96-T:79E;'D@979A;'5A=&5D(&9O<B!I;7!A:7)M
M96YT/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^+CPO9F]N
M=#X\+VQI/CPO=6P^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;&EN
M92UH96EG:'0Z,3)P=#L@/CPO<#X\+V1I=CX\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-H86YG97,@:6X@=&AE($-A
M<F0@365M8F5R(&QO86YS(')E<V5R=F4@9F]R(&QO<W-E<SPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQD:78^/'`@<W1Y;&4],T1T97AT+6%L
M:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HV<'0[
M;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F=#HP
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4:&4@9F]L;&]W:6YG('1A8FQE('!R97-E
M;G1S(&-H86YG97,@:6X@=&AE(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y#87)D($UE;6)E<CPO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L
M;W(Z(S`P,#`P,#LG(#X@;&]A;G,@<F5S97)V92!F;W(@;&]S<V5S(&9O<B`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^=&AE(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#YN:6YE(&UO;G1H<R!E
M;F1E9#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E<B`S
M,#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#XZ/"]F;VYT
M/CPO<#X\+V1I=CX\<"!S='EL93TS1&QI;F4M:&5I9VAT.C(P<'0[("\^/&1I
M=CX\=&%B;&4@<W1Y;&4],T1B;W)D97(M8V]L;&%P<V4Z8V]L;&%P<V4[(#X\
M='(@/CQT9"!C;VQS<&%N/3-$,R!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H
M.C,Q."XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C,Q."XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M<W1Y;&4Z
M:71A;&EC.V-O;&]R.B,P,#`P,#`[)R`^*$UI;&QI;VYS*3PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT
M9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C8W+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#XR,#$T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,3$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A
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M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^/"]T9#X\+W1R/CQT
M<B`^/'1D(&-O;'-P86X],T0S(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z
M,S$X+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,S$X+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y"86QA;F-E+"!*86YU87)Y)B,Q-C`[,3PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-C!P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-C!P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^,2PR-C$\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8P<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8P<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ+#0W,3PO9F]N=#X\+W1D
M/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[
M(#X\+W1D/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I
M9'1H.C,P-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,S`W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/E!R;W9I<VEO;G,\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XH82D\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
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M;&]R.B,P,#`P,#`[)R`^-SDW/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-C!P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-C!P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C@R-3PO9F]N=#X\
M+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U
M<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS
M1'=I9'1H.C,P-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,S`W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/DYE="!W<FET92UO9F9S/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-C!P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV,'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
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M8V]L;W(Z(S`P,#`P,#LG(#Y0<FEN8VEP86P\+V9O;G0^/'-U<#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XH8BD\+V9O;G0^/"]S=7`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV,'!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HV,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#XH-S@V*3PO9F]N=#X\+W1D/CQT9"!S='EL
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M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XH.#@X
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M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y);G1E<F5S
M="!A;F0@9F5E<SPO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/BAB*3PO9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV,'!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XH,3(T*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q
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M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XH,3$S*3PO9F]N=#X\+W1D
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M<CI";&%C:SMM:6XM=VED=&@Z,S`W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/D]T:&5R/"]F;VYT/CQS=7`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^*&,I/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B@R*3PO9F]N=#X\+W1D/CQT9"!S='EL
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XH,30I/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,R!R
M;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C,Q."XW-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Q."XW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^0F%L86YC92P@4V5P=&5M
M8F5R(#,P/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q
M-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[
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M,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV,'!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XQ+#$T-CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C$Q+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-C!P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-C!P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C$L,C@Q/"]F;VYT/CPO=&0^
M/"]T<CX\+W1A8FQE/CPO9&EV/CQP('-T>6QE/3-$;&EN92UH96EG:'0Z,C!P
M=#L@+SX\9&EV/CQU;#X\;&D@<W1Y;&4],T1L:7-T+7-T>6QE.FQO=V5R+6%L
M<&AA.W1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C9P=#MM87)G:6XM
M8F]T=&]M.C)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^4#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/G)O=FES:6]N<R!F
M;W(@<')I;F-I<&%L("AR97-U;'1I;F<@9G)O;2!A=71H;W)I>F5D('1R86YS
M86-T:3PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/F]N<RDL
M(&EN=&5R97-T(&%N9"!F964@<F5S97)V93PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/G,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M8V]M<&]N96YT<RX@/"]F;VYT/CPO;&D^/&QI('-T>6QE/3-$;&ES="US='EL
M93IL;W=E<BUA;'!H83MT97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP
M<'0[;6%R9VEN+6)O='1O;3HR<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/D-O;G-I<W1S(&]F/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P
M,#`P,#`[)R`^('!R:6YC:7!A;"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#YW<FET92UO9F9S("AR97-U;'1I;F<@9G)O;2!A=71H;W)I
M>F5D('1R86YS86-T:6]N<RDL(&QE<W,@<F5C;W9E<FEE<R!O9B`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^,S(T/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/FUI;&QI;VX@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^86YD/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XS-#,\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^;6EL;&EO;CPO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO
M<CHC,#`P,#`P.R<@/BP@:6YC;'5D:6YG(&YE="!W<FET92UO9F9S(&9R;VT@
M5$12<R!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XD
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^*#4I/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#MC;VQO<CHC,#`P,#`P.R<@/FUI;&QI;VX@86YD/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XV/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/FUI;&QI;VX\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XL/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/F9O<B!T:&4@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^;FEN92!M;VYT:',@96YD960\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XR,#$T/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P
M,#`P,#`[)R`^(&%N9"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XR,#$S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YR97-P96-T
M:79E;'DN/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(%)E
M8V]V97)I97,@;V8@:6YT97)E<W0@86YD(&9E97,@=V5R92!D92`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YM:6YI;6ES/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^+CPO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]L:3X\;&D@<W1Y;&4],T1L
M:7-T+7-T>6QE.FQO=V5R+6%L<&AA.W1E>'0M86QI9VXZ:G5S=&EF>3MM87)G
M:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C)P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^0F5G:6YN:6YG(#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/FEN(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/F9I<G-T('%U87)T97(@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/BP@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^<F5S97)V97,@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^9F]R/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/F-A<F0@<F5L871E
M9"!F<F%U9"!L;W-S97,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#X@;V8@)#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
M/B@V*3PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!M:6QL
M:6]N(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/F%R92!R
M969L96-T960@:6X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^;W1H97(@;&EA8FEL:71I97,N/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/D%L;"!P97)I;V1S(&EN8VQU9&4@/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^9F]R96EG;B!C=7)R96YC>2!T<F%N<VQA=&EO;B!A
M9&IU<W1M96YT<R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#YO9CPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^*#<I/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/FUI;&QI;VX\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M86YD(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XH."D\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^;6EL;&EO;B`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#YF;W(\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^=#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/FAE(#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/FYI;F4@;6]N=&AS
M(&5N9&5D/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E<B`S
M,#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/BP@/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!A;F0@/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/BP\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@<F5S<&5C=&EV96QY+#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO
M<CHC,#`P,#`P.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#YA;F0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@
M;W1H97(@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^:71E
M;3PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/G,@;V8@/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C$Q/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC
M,#`P,#`P.R<@/FUI;&QI;VX@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P
M,#`P,#`[)R`^86YD(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/B0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XH-BD\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^;6EL;&EO;CPO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!F;W(@=&AE/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/FYI;F4@;6]N=&AS(&5N9&5D/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/BP@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/B!A;F0@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/BP@
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^<F5S<&5C=&EV
M96P\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YY+B`\+V9O
M;G0^/"]L:3X\+W5L/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VQI
M;F4M:&5I9VAT.C$R<'0[(#X\+W`^/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#87)D($UE;6)E<B!L;V%N
M<R!A;F0@<F5L871E9"!R97-E<G9E<R!E=F%L=6%T960@<V5P87)A=&5L>2!A
M;F0@8V]L;&5C=&EV96QY(&9O<B!I;7!A:7)M96YT/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/&1I=CX\<"!S='EL93TS1'1E>'0M86QI9VXZ
M:G5S=&EF>3MM87)G:6XM=&]P.C9P=#MM87)G:6XM8F]T=&]M.C9P=#ML:6YE
M+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.VUA<F=I;BUL969T.C!P=#LG
M(#Y4:&4@9F]L;&]W:6YG('1A8FQE('!R97-E;G1S(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^0V%R9"!-96UB97(\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
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M86X[9F]N="US:7IE.C$Q<'0[)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3%P=#LG(#XL(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^,C`Q-#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[)R`^(&%N9"!$96-E;6)E<B`S,2P@/"]F;VYT/CQF
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M(#X\='(@/CQT9"!S='EL93TS1'=I9'1H.C,T-2XW-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T-2XW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V9O;G0M<W1Y;&4Z:71A;&EC.V-O;&]R.B,P,#`P,#`[
M)R`^*$UI;&QI;VYS*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V
M,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS
M1#$@<W1Y;&4],T1W:61T:#HU-2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C4U+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
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M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XR
M,#$S/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C,T
M-2XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,T-2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M0V%R9"!-96UB97(@;&]A;G,@979A;'5A=&5D(&EN9&EV:61U86QL>2!F;W(@
M:6UP86ER;65N=#PO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/BAA*3PO9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C$P+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XS,#D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY+C<U<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.2XW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0U<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XS-S@\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T
M>6QE/3-$=VED=&@Z,S0U+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0U+C<U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y296QA=&5D(')E<V5R=F5S(#PO9F]N=#X\
M<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/BAA*3PO9F]N=#X\
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M="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XW,#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CDN-S5P=#MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY
M+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C@T/"]F;VYT/CPO=&0^/"]T<CX\
M='(@/CQT9"!S='EL93TS1'=I9'1H.C,T-2XW-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T-2XW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^0V%R9"!-96UB97(@;&]A;G,@979A
M;'5A=&5D(&-O;&QE8W1I=F5L>2!F;W(@:6UP86ER;65N=#PO9F]N=#X\<W5P
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/BAB*3PO9F]N=#X\+W-U
M<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XV-2PW-#@\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HY+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z.2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0U<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XV-BPX-C`\+V9O
M;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,S0U+C<U<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,S0U+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y2
M96QA=&5D(')E<V5R=F5S(#PO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/BAB*3PO9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS
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M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ+#`W-CPO9F]N=#X\+W1D
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M<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/C$L,3<W/"]F;VYT/CPO=&0^/"]T<CX\+W1A8FQE/CPO9&EV/CQP
M('-T>6QE/3-$;&EN92UH96EG:'0Z,C!P=#L@+SX\9&EV/CQU;#X\;&D@<W1Y
M;&4],T1L:7-T+7-T>6QE.FQO=V5R+6%L<&AA.W1E>'0M86QI9VXZ:G5S=&EF
M>3MM87)G:6XM=&]P.C9P=#MM87)G:6XM8F]T=&]M.C)P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^4F5P<F5S96YT<R!L;V%N<R!M;V1I9FEE
M9#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!I;B!A(%1$
M4B!A;F0@<F5L871E9"!R97-E<G9E<RX\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#X@4F5F97(@=&\@=&AE($EM<&%I<F5D(#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/D-A<F0@365M8F5R/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#MC;VQO<CHC,#`P,#`P.R<@/DQO86YS(&%N9"!296-E:79A8FQE<R!D
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^:7-C=7-S:6]N
M(&EN($YO=&4@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M-"!O;B!P86=E<R`W-"`F(S@R,3$[(#<V/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^(&]F('1H92!!;FYU86P@4F5P;W)T/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(&9O<B!F=7)T:&5R(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/FEN9F]R;6%T:6]N+CPO
M9F]N=#X\+VQI/CQL:2!S='EL93TS1&QI<W0M<W1Y;&4Z;&]W97(M86QP:&$[
M=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T
M;VTZ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y297!R97-E
M;G1S(&-U<G)E;G0@;&]A;G,@86YD(&QO86YS(&QE<W,@=&AA;B`Y,"!D87ES
M('!A<W0@9'5E+"!L;V%N<R!O=F5R(#DP(&1A>7,@<&%S="!D=64@86YD(&%C
M8W)U:6YG(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/FEN
M=&5R97-T+"!A;F0@;F]N+6%C8W)U86P@;&]A;G,\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XN(%1H92!R97-E<G9E<R!I;F-L=61E('1H
M92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YQ=6%N=&ET
M871I=F4@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^<F5S
M=6QT<R!O9B!A;F%L>71I8V%L(&UO9&5L<R!T:&%T(&%R92!S<&5C:69I8R!T
M;R!I;F1I=FED=6%L('!O;VQS(&]F(&QO86YS(&%N9"!R/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^97-E<G9E<R!F;W(@/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^:6YT97)N86P@86YD(&5X=&5R
M;F%L(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/G%U86QI
M=&%T:79E(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/G)I
M<VL@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^9F%C=&]R
M<R!T:&%T(&%P<&QY(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/G1O/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(&QO
M86YS(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/G1H870@
M87)E(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/F-O;&QE
M8W1I=F5L>2!E=F%L=6%T960@9F]R(&EM<&%I<FUE;G0N(#PO9F]N=#X\+VQI
M/CPO=6P^/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].
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M#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$
M0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T
M9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO
M=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T
M/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T
M(&ED/3-$240P13%!04,^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S
M<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^26YV97-T
M;65N="!396-U<FET:65S("A486)L97,I/&)R/CPO<W1R;VYG/CPO=&@^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0Q/CD@36]N=&AS($5N
M9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^#0H@("`@("`@(#QT
M:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\8G(^/"]T:#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^26YV97-T;65N="!396-U<FET
M:65S("A486)L97,I(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/E-C:&5D=6QE(&]F($%V86EL86)L92!F
M;W(@4V%L92!396-U<FET:65S(&)Y(%1Y<&4\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\9&EV/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T
M:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ-G!T.VQI;F4M:&5I
M9VAT.C$R<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[;6%R9VEN+6QE9G0Z,'!T.R<@/E1H
M92!F;VQL;W=I;F<@:7,@82!S=6UM87)Y(&]F(&EN=F5S=&UE;G0@<V5C=7)I
M=&EE<R!A<R!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/E-E<'1E;6)E<B`S
M,#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.R<@/C(P,30\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.R<@/F%N9"!$96-E;6)E<B`S,2P@/"]F;VYT/CQF;VYT('-T>6QE
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M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$Q,2XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$Q,2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU
M<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$,3$@<F]W<W!A;CTS1#$@<W1Y;&4]
M,T1W:61T:#HQ-S1P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$W-'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P
M,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D(&-O;'-P86X]
M,T0Q,2!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$W-'!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3<T<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^/"]T
M9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI
M9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,3$N-S5P=#MT97AT+6%L:6=N
M.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q,2XW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW<'0[9F]N="US='EL93II=&%L:6,[8V]L;W(Z(S`P,#`P
M,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X
M="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^
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M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V
M,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S0N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-"XU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C=P=#MC;VQO<CHC,#`P,#`P.R<@/D=R;W-S/"]F;VYT/CPO=&0^/'1D(&-O
M;'-P86X],T0Q(')O=W-P86X],T0S('-T>6QE/3-$=VED=&@Z-"XU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,S0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS-"XU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO
M<CHC,#`P,#`P.R<@/D=R;W-S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S0N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-"XU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C=P=#MC;VQO<CHC,#`P,#`P.R<@/D5S=&EM871E9#PO9F]N=#X\+W1D/CQT
M9"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,R!S='EL93TS1'=I9'1H.C0N-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[
M)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,Q+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S$N-7!T.R`^/"]T
M9#X\=&0@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#,@<W1Y;&4],T1W:61T:#HT
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
M.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M-W!T.V-O;&]R.B,P,#`P,#`[)R`^1W)O<W,\+V9O;G0^/"]T9#X\=&0@8V]L
M<W!A;CTS1#$@<F]W<W!A;CTS1#,@<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS-"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R
M.B,P,#`P,#`[)R`^1W)O<W,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^17-T:6UA=&5D/"]F;VYT/CPO
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M;CMF;VYT+7-I>F4Z-W!T.V9O;G0M<W1Y;&4Z:71A;&EC.V-O;&]R.B,P,#`P
M,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E
M>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L
M:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S$N-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,2XU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T
M.V-O;&]R.B,P,#`P,#`[)R`^56YR96%L:7IE9#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[
M)R`^56YR96%L:7IE9#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,T+C5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y&86ER/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C,Q+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S$N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S0N-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/E5N<F5A
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M:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/E5N<F5A;&EZ960\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P
M,#`P,#`[)R`^1F%I<CPO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A
M;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,3@N-7!T.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q
M."XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/D1E<V-R:7!T
M:6]N(&]F(%-E8W5R:71I97,@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V9O;G0M<W1Y
M;&4Z:71A;&EC.V-O;&]R.B,P,#`P,#`[)R`^("A-:6QL:6]N<RD\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.F-E;G1E
M<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\
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M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S$N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y#;W-T/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y'86EN<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C9P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^3&]S
M<V5S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+6)O='1O;2US
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M.C=P=#MC;VQO<CHC,#`P,#`P.R<@/E9A;'5E/"]F;VYT/CPO=&0^/'1D('-T
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M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S$N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y#;W-T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
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M=VED=&@Z,S0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y'
M86EN<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^3&]S<V5S/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@
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M;VQO<CHC,#`P,#`P.R<@/E9A;'5E/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT
M9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$Q."XU
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3$X+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^4W1A=&4@
M86YD(&UU;FEC:7!A;"!O8FQI9V%T:6]N<SPO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,2XU
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,Q+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#X@,RPV,C@@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
M/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N
M-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,S0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^(#$S,"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,T+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B`H,RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S0N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-"XU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^(#,L-S4U(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF
M(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS,2XU<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Q+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^(#0L,#8P(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B0\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#4T(#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,T+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#<Y*3PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO
M<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M-"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#0L
M,#,U(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#(@<F]W
M<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,3@N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q."XU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/E4N4RX@1V]V97)N;65N="!A9V5N
M8WD\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT
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M8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M+C<U<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,T+C5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,S0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C,T+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/"]T9#X\=&0@<W1Y
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M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIC
M96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C,Q+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S$N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C,T+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,S0N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS-"XU<'0[(#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4]
M,T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,3$N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,3$N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^;V)L:6=A=&EO;G,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[
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M="US:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M(#,@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO
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M:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C
M.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,S0N-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-"XU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q
M,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C,T+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`S(#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIC96YT97([8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C,Q+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S$N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#X@,R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T
M.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\
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M,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#,@/"]F
M;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$
M,2!S='EL93TS1'=I9'1H.C$Q."XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$X+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V-O;&]R.B,P,#`P,#`[)R`^52Y3+B!';W9E<FYM96YT('1R96%S=7)Y(#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[=&5X="UA
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M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,T+C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L
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M=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,3$N-S5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,3$N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^;V)L
M:6=A=&EO;G,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@
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M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#,T-B`\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ8V5N=&5R
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-"`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^
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M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("@Q*3PO9F]N=#X\+W1D/CQT9"!S
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M.B,P,#`P,#`[)R`^(#,T.2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW
M-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,2XU<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,Q+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#,Q."`\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ8V5N=&5R
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^(#,@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
M/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,T+C5P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#$I/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P
M,#`P,#`[)R`^(#,R,"`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P
M86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3$X+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,3@N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y#;W)P;W)A=&4@
M9&5B="!S96-U<FET:65S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG
M;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,Q+C5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S$N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`S
M.2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ
M8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,R`\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
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M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O
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M;&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`T,B`\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS,2XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C,Q+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^(#0S(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF
M(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA
M;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,T+C5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,R`\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S0N
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`F
M(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#0V(#PO9F]N=#X\+W1D/CPO
M='(^/'1R(#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W
M:61T:#HQ,3@N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$Q."XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/DUO<G1G86=E+6)A8VME9"!S96-U<FET:65S/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\<W5P/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^*&$I/"]F;VYT/CPO<W5P/CPO=&0^/'1D
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M;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#$S-R`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P
M,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S0N-7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
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M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B`Q-#0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C
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M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`Q-C`@/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,S0N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/B`U(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF
M(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^("@Q*3PO9F]N=#X\+W1D/CQT9"!S
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
M/B`Q-C0@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R
M;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$Q."XU<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$X+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^17%U:71Y('-E8W5R:71I97,\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CQS
M=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XH8BD\+V9O;G0^/"]S
M=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS,2XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Q+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIC96YT
M97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C,T+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`Q(#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\
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M;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#$@/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C8N-S5P=#MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,S$N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS,2XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
M/B`R.2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ
M8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#DU(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q
M,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C,T+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,3(T(#PO9F]N=#X\+W1D/CPO='(^
M/'1R(#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T
M:#HQ,3@N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$Q."XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/D9O<F5I9VX@9V]V97)N;65N="!B;VYD<R!A;F0@/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV+C<U<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,Q
M+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,S$N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI
M9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[=&5X="UA;&EG;CIR
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M:6XM=VED=&@Z,S0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C,T+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
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M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C,T+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[=&5X="UA;&EG
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M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YO8FQI9V%T:6]N<SPO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS,2XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C,Q+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,SDY(#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C,T+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`X(#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
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M86X[9F]N="US:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^(#0P-R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[
M)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E
M>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,2XU<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Q+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#(W,B`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P
M,#`P,#`[)R`^(#4@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C,T+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#$I/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M-"XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^
M(#(W-B`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O
M=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3$X+C5P=#MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,3@N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/=&AE<CPO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/'-U<#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#MC;VQO<CHC,#`P,#`P.R<@/BAC*3PO9F]N=#X\+W-U<#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M<CI";&%C:SMM:6XM=VED=&@Z,S$N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`U,"`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS-"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@*#$I/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS-"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-#D@/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S
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M;VQO<CHC,#`P,#`P.R<@/B`U,"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-G!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-"XU<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^("8C
M.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUB
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M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B`H,BD\+V9O;G0^/"]T9#X\
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M<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#X@-#@@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS
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M;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,S$N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,2XU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#0L-C`R(#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,T+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S0N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B`Q-3,@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V
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M;CMF;VYT+7-I>F4Z.'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S0N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^("@U*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N
M-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,T+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B`T+#<U,"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P
M.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S$N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,2XU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C0L.3,U/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
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M.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C,T+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,S0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XQ-C4\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
M.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,S0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-"XU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP
M=#MC;VQO<CHC,#`P,#`P.R<@/B@X-"D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S0N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M-"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C4L,#$V/"]F
M;VYT/CPO=&0^/"]T<CX\+W1A8FQE/CPO9&EV/CQP('-T>6QE/3-$;&EN92UH
M96EG:'0Z,C!P=#L@+SX\9&EV/CQU;#X\;&D@<W1Y;&4],T1L:7-T+7-T>6QE
M.FQO=V5R+6%L<&AA.W1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C9P
M=#MM87)G:6XM8F]T=&]M.C)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^4F5P<F5S96YT<R!M;W)T9V%G92UB86-K960@<V5C=7)I=&EE<R!G
M=6%R86YT965D(&)Y($9A;FYI92!-864L($9R961D:64@36%C(&]R(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/D=I;FYI93PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!-864N(#PO9F]N=#X\+VQI
M/CQL:2!S='EL93TS1&QI<W0M<W1Y;&4Z;&]W97(M86QP:&$[=&5X="UA;&EG
M;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,G!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y0<FEM87)I;'D@<F5P<F5S
M96YT<R!T:&4@0V]M<&%N>28C.#(Q-SMS(&EN=F5S=&UE;G0@:6X@=&AE(#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/DEN9'5S=')I86P@
M86YD($-O;6UE<F-I86P@0F%N:R!O9B!#:&EN82`H24-"0RD@/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^87,@;V8@1&5C96UB97(@/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^,S$L(#(P,3,N/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+VQI
M/CQL:2!S='EL93TS1&QI<W0M<W1Y;&4Z;&]W97(M86QP:&$[=&5X="UA;&EG
M;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,G!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/=&AE<B!C;VUP<FES97,@
M:6YV97-T;65N=',@:6X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^=F%R:6]U<R!M=71U86P@9G5N9',N/"]F;VYT/CPO;&D^/"]U;#X\
M<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3ML:6YE+6AE:6=H=#HQ,G!T
M.R`^/"]P/CPO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^079A:6QA8FQE+69O<BUS86QE(%-E8W5R:71I97,L
M($-O;G1I;G5O=7,@56YR96%L:7IE9"!,;W-S(%!O<VET:6]N+"!&86ER(%9A
M;'5E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/&1I=CX\<"!S
M='EL93TS1'1E>'0M86QI9VXZ;&5F=#MM87)G:6XM=&]P.C!P=#MM87)G:6XM
M8F]T=&]M.C!P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.VUA
M<F=I;BUL969T.C!P=#LG(#X-"CPO9F]N=#X\+W`^/'`@<W1Y;&4],T1T97AT
M+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HV
M<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F
M=#HP<'0[)R`^5&AE(&9O;&QO=VEN9R!T86)L92!P<F]V:61E<R!I;F9O<FUA
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M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#Y397!T96UB97(@,S`\
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M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#Y$96-E;6)E<B`S
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M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,#@N-S5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,#@N-S5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,N-S5P=#L@/CPO=&0^/'1D(&-O;'-P86X]
M,T0Q,2!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$W-W!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3<W<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XR,#$T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,RXW-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,N
M-S5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0Q,2!R;W=S<&%N/3-$,2!S='EL
M93TS1'=I9'1H.C$W-BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3<V+C(U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T
M.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\+W1D/CPO='(^/'1R(#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,3`X+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3`X+C<U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V9O
M;G0M<W1Y;&4Z:71A;&EC.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D
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M:#HX-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/DQE
M<W,@=&AA;B`Q,B!M;VYT:',\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS
M1#$@<W1Y;&4],T1W:61T:#HX-W!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.#=P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XQ,B!M;VYT:',@;W(@;6]R93PO9F]N=#X\+W1D
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M:#HX-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/DQE
M<W,@=&AA;B`Q,B!M;VYT:',\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS
M1#$@<W1Y;&4],T1W:61T:#HX-BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.#8N,C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ,B!M;VYT:',@;W(@;6]R93PO9F]N
M=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`X+C<U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`X+C<U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIC96YT97([8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,U
M+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,S4N,C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0Q(')O=W-P86X],T0S
M('-T>6QE/3-$=VED=&@Z,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
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M4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/D=R;W-S/"]F
M;VYT/CPO=&0^/'1D(&-O;'-P86X],T0Q(')O=W-P86X],T0S('-T>6QE/3-$
M=VED=&@Z,RXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
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M+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y'<F]S<SPO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,U
M+C(U<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,R!S='EL
M93TS1'=I9'1H.C,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y'<F]S<SPO9F]N=#X\
M+W1D/CQT9"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,R!S='EL93TS1'=I9'1H
M.C,N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,U+C(U<'0[(#X\+W1D
M/CQT9"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,R!S='EL93TS1'=I9'1H.C,N
M-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y'<F]S<SPO9F]N=#X\+W1D/CPO='(^/'1R
M(#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3`X+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`X+C<U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC
M;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y%<W1I;6%T960\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS-2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y5;G)E86QI>F5D/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,S4N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,S4N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[
M)R`^17-T:6UA=&5D/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S4N,C5P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S4N,C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^56YR96%L:7IE9#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y%<W1I;6%T960\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y5
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M;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^17-T:6UA=&5D/"]F;VYT
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M;&]R.B,P,#`P,#`[)R`^56YR96%L:7IE9#PO9F]N=#X\+W1D/CPO='(^/'1R
M(#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ
M,38N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,38N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y$97-C<FEP=&EO;B!O9B!396-U<FET:65S(#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C<N-7!T.V9O;G0M<W1Y;&4Z:71A;&EC.V-O;&]R.B,P,#`P,#`[)R`^
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M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/D9A:7(F(S$V,#M6
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M9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/DQO<W-E<SPO9F]N=#X\
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M=#MC;VQO<CHC,#`P,#`P.R<@/D9A:7(F(S$V,#M686QU93PO9F]N=#X\+W1D
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M;VQO<CHC,#`P,#`P.R<@/DQO<W-E<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y&
M86ER)B,Q-C`[5F%L=64\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y,;W-S
M97,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y&86ER)B,Q-C`[5F%L=64\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y,;W-S97,\+V9O;G0^/"]T9#X\
M+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$
M=VED=&@Z,3$V+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3$V+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P
M,#`P,#`[)R`^4W1A=&4@86YD(&UU;FEC:7!A;"!O8FQI9V%T:6]N<SPO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,S4N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,S4N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,RXW-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,N-S5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C,U+C(U<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,U+C(U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N
M-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-S(@/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,S4N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S4N,C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`H,RD\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC
M,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`Q
M+#,R,"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS-2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC
M,#`P,#`P.R<@/B`H-C,I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,RXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C,N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,S4N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S4N,C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU
M<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,3`V(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,U+C(U<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,U+C(U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("@Q-BD\+V9O;G0^/"]T
M9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE
M/3-$=VED=&@Z,3$V+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3$V+C(U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O
M;&]R.B,P,#`P,#`[)R`^1F]R96EG;B!G;W9E<FYM96YT(&)O;F1S(&%N9"`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS-2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS-2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
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M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,#@N-S5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,#@N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#YO8FQI
M9V%T:6]N<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^
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M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@
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M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@
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M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@
M(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC
M;VQO<CHC,#`P,#`P.R<@/B`R,#@@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#$I/"]F
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M;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL
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M97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("8C
M.#(Q,SL@("`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R
M(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3$V+C(U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$V+C(U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^52Y3+B!';W9E<FYM
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M/3-$=VED=&@Z,3`X+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3`X+C<U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O
M;&]R.B,P,#`P,#`[)R`^;V)L:6=A=&EO;G,\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^(#$R-R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^("@Q*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N
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M="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`Q-C8@/"]F;VYT/CPO=&0^
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M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P
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M>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\
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M,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D
M(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3$V+C(U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3$V+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^
M36]R=&=A9V4M8F%C:V5D('-E8W5R:71I97,\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y
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M<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,RXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C,N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S4N,C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S4N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,S4@
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M8V]L;W(Z(S`P,#`P,#LG(#X@*#$I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S
M.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT
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M-7!T.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\
M+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$
M=VED=&@Z,3$V+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3$V+C(U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O
M;&]R.B,P,#`P,#`[)R`^3W1H97(\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO
M<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR
M-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#,R(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^("@Q*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS
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M<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^
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M:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("@Q*3PO9F]N=#X\+W1D/CQT
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M,#`P,#`[)R`^(#$W(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N
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M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("@Q*3PO9F]N
M=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@
M<W1Y;&4],T1W:61T:#HQ,38N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,38N,C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4;W1A;#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T
M.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C,N-S5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,S4N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,S4N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z
M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`Q,C<@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,RXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,N-S5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z
M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS-2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("@Q*3PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,S4N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S4N,C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU
M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`Q,#0@/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,S4N,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S4N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`H
M-"D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC
M;VQO<CHC,#`P,#`P.R<@/B`Q+#<U.2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@
M/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`H-C<I/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,RXW-7!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,N-S5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,S4N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,S4N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z
M(S`P,#`P,#LG(#X@,3(S(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C,N-S5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N
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M="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("@Q-RD\+V9O;G0^/"]T
M9#X\+W1R/CPO=&%B;&4^/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!=F%I;&%B;&4@9F]R(%-A;&4@4V5C
M=7)I=&EE<R!2871I;R!O9B!&86ER(%9A;'5E('1O($%M;W)T:7IE9"!#;W-T
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/&1I=CX\<"!S='EL
M93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM
M8F]T=&]M.C9P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.VUA
M<F=I;BUL969T.C!P=#LG(#Y4:&4@9F]L;&]W:6YG('1A8FQE('-U;6UA<FEZ
M97,@=&AE(&=R;W-S('5N<F5A;&EZ960@;&]S<V5S(&1U92!T;R!T96UP;W)A
M<GD@:6UP86ER;65N=',@8GD@<F%T:6\@;V8@9F%I<B!V86QU92!T;R!A;6]R
M=&EZ960@8V]S="!A<R!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/E-E<'1E
M;6)E<B`S,#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^+"`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.R<@/C(P,30\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B!A;F0@1&5C
M96UB97(@,S$L(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^,C`Q,SPO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$Q<'0[)R`^.CPO9F]N=#X\+W`^/"]D:78^/'`@<W1Y;&4],T1L
M:6YE+6AE:6=H=#HR,'!T.R`O/CQD:78^/'1A8FQE('-T>6QE/3-$8F]R9&5R
M+6-O;&QA<'-E.F-O;&QA<'-E.R`^/'1R(#X\=&0@8V]L<W!A;CTS1#(@<F]W
M<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#$N,C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,#$N,C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
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M=R!2;VUA;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG(#Y,97-S
M('1H86X@,3(@;6]N=&AS/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#<@<F]W<W!A;CTS
M1#$@<W1Y;&4],T1W:61T:#HQ,C(N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$R,BXR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HW+C9P=#MC;VQO<CHC,#`P,#`P.R<@/C$R(&UO;G1H<R!O<B!M;W)E/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,BXR-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N
M=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T
M9#X\=&0@8V]L<W!A;CTS1#<@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ
M,C(N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$R,BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C9P=#MC;VQO<CHC,#`P
M,#`P.R<@/E1O=&%L/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N
M/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$P,2XR-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P,2XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y2871I;R!O9B!&
M86ER(%9A;'5E('1O/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,RXW
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S4N,C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S4N
M,C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0Q(')O=W-P86X],T0S('-T>6QE
M/3-$=VED=&@Z,BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HR+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,S+C<U
M<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,R!S='EL93TS
M1'=I9'1H.C(N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^1W)O<W,\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR+C(U<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(N,C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,S4N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S4N,C5P=#L@/CPO=&0^/'1D(&-O
M;'-P86X],T0Q(')O=W-P86X],T0S('-T>6QE/3-$=VED=&@Z,BXR-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR+C(U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,S+C<U<'0[(#X\+W1D/CQT9"!C;VQS
M<&%N/3-$,2!R;W=S<&%N/3-$,R!S='EL93TS1'=I9'1H.C(N,C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O
M;&]R.B,P,#`P,#`[)R`^1W)O<W,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HR+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C(N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,S4N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,S4N,C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0Q(')O=W-P86X]
M,T0S('-T>6QE/3-$=VED=&@Z,BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR+C(U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,S+C<U<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$
M,R!S='EL93TS1'=I9'1H.C(N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N
M-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^1W)O
M<W,\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P
M86X],T0Q('-T>6QE/3-$=VED=&@Z,3`Q+C(U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`Q+C(U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/D%M;W)T:7IE9"!#;W-T/"]F;VYT
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M-W!T.V-O;&]R.B,P,#`P,#`[)R`^3G5M8F5R(&]F/"]F;VYT/CPO=&0^/'1D
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M,#`P,#`P.R<@/D5S=&EM871E9#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N
M-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^
M56YR96%L:7IE9#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(N,C5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.=6UB97(@
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M+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^17-T:6UA=&5D/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS,RXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y5;G)E86QI>F5D/"]F;VYT/CPO=&0^/'1D('-T
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M,#`P,#`P.R<@/DYU;6)E<B!O9CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y%
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M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/E5N<F5A;&EZ960\
M+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X]
M,T0Q('-T>6QE/3-$=VED=&@Z,3`Q+C(U<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`Q+C(U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C=P=#MF;VYT+7-T>6QE.FET86QI8SMC;VQO<CHC,#`P,#`P.R<@/BA$
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C=P=#MC;VQO<CHC,#`P,#`P
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M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^
M1F%I<B!686QU93PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y,;W-S
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M;CMF;VYT+7-I>F4Z-W!T.V-O;&]R.B,P,#`P,#`[)R`^4V5C=7)I=&EE<SPO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW<'0[8V]L;W(Z(S`P,#`P,#LG(#Y&86ER(%9A;'5E/"]F;VYT
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M:7IE.C=P=#MC;VQO<CHC,#`P,#`P.R<@/DQO<W-E<SPO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C(N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y396-U<FET:65S/"]F;VYT/CPO=&0^/'1D('-T
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M<CHC,#`P,#`P.R<@/D9A:7(@5F%L=64\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
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M,#`P,#`[)R`^3&]S<V5S/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS
M<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$P,2XR-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P,2XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/C(P,30Z/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,RXW
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S4N,C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR+C(U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HR+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,BXR-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(N,C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,S4N,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HR+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N
M-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR+C(U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HR+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS-2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C,U+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(N
M,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HR+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,S+C<U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C(N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR+C(U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
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M;VUA;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG(#XY,"4F(S@R
M,3$[,3`P)3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT
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M.B,P,#`P,#`[)R`^(#8@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,BXR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C(N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C4U<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS,RXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C4U<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`Q,C<@/"]F;VYT/CPO=&0^
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M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C,S+C<U<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,S+C<U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C<N-35P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M("@Q*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(N,C5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-2XR-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C4U<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/C$W(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(N
M,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HR+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HW+C4U<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M,RXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C4U<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C$P-"`\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HR+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU-7!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M-RXU-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XH-"D\
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M;VYT+7-I>F4Z-RXU-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
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M,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,S+C<U
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C,S+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-35P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#(S,2`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HR+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU-7!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU
M-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@*#4I/"]F
M;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$
M,2!S='EL93TS1'=I9'1H.C$P,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P,2XR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M+C9P=#MC;VQO<CHC,#`P,#`P.R<@/E1O=&%L(&%S(&]F(%-E<'1E;6)E<B`S
M,"P@,C`Q-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MB
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M;&]R.B,P,#`P,#`[)R`^(#8@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
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M;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C,S+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,S+C<U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-35P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#$R-R`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR+C(U<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M-RXU-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-RXU-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#X@*#$I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,BXR
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M;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#$W(#PO9F]N=#X\+W1D/CQT9"!S='EL
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M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C4U<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M+C4U<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`Q,#0@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,BXR-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(N,C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C<N-35P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,S+C<U<'0[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,S+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C<N-35P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^("@T*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C(N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS-2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS-2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C4U<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`R,R`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HR+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU-7!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-RXU-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
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M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C4U<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW
M-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C4U<'0[9F]N="UW96EG:'0Z
M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`H-2D\+V9O;G0^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,N-S5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z.3<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CDW+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C,N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,S4N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,S4N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
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M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR+C(U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/"]T9#X\=&0@<W1Y
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M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,S4N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
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M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR+C(U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/"]T9#X\=&0@
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M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S4N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
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M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR+C(U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/"]T9#X\
M+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$
M=VED=&@Z,3`Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3`Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/C(P,3,Z/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,RXW
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S4N,C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-2XR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR+C(U<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,S,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR
M+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HR+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS-2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C,U+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C(N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HR+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,S+C<U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C(N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR+C(U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,S+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(N,C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR+C(U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,U+C(U<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S4N,C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
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M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(N
M,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C,S+C<U<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CPO=&0^/"]T<CX\
M='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H
M.C$P,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$P,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C9P=#MC;VQO<CHC,#`P
M,#`P.R<@/CDP)28C.#(Q,3LQ,#`E/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,RXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C,N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,S4N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,S4N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XR,C@\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR+C(U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M-RXV<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ+#8V-3PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C(N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HR+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C9P=#MC;VQO<CHC,#`P
M,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C9P=#MC;VQO<CHC,#`P,#`P.R<@/B@U
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M;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG(#XV/"]F;VYT/CPO=&0^
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M.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,S
M+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C,S+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-G!T.V-O;&]R.B,P,#`P,#`[
M)R`^,C0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR+C(U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXV
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XH,BD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HR+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C(N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,S4N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,S4N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XR,S0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR+C(U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ+#8X.3PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C(N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR+C(U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C9P=#MC;VQO<CHC
M,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C9P=#MC;VQO<CHC,#`P,#`P.R<@
M/B@U-2D\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O
M=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3`Q+C(U<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`Q+C(U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C<N-G!T.V-O;&]R.B,P,#`P,#`[)R`^3&5S<R!T:&%N(#DP
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M9F]N="US:7IE.C<N-G!T.V-O;&]R.B,P,#`P,#`[)R`^,3,\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HR+C(U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@
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M8V]L;W(Z(S`P,#`P,#LG(#XY-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C(N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HR+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C9P=#MC;VQO<CHC,#`P,#`P.R<@
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M;VUA;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG(#XU/"]F;VYT
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M-G!T.V-O;&]R.B,P,#`P,#`[)R`^.3D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HR+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P
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M97<@4F]M86X[9F]N="US:7IE.C<N-G!T.V-O;&]R.B,P,#`P,#`[)R`^,3@\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR+C(U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^
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M>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ.3,\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HR+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M(S`P,#`P,#LG(#XH,CDI/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS
M<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$P,2XR-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P
M,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HW+C9P=#MC;VQO<CHC,#`P,#`P.R<@/E1O=&%L
M(&%S(&]F($1E8V5M8F5R(#,Q+"`R,#$S/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,RXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,S4N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,S4N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XR-#$\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR
M+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ+#<U.3PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C(N,C5P=#MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR+C(U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C9P
M=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C9P=#MC;VQO<CHC
M,#`P,#`P.R<@/B@V-RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR
M+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C(N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S4N
M,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,S4N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XQ,3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(N,C5P=#MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR
M+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C9P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M+C9P=#MC;VQO<CHC,#`P,#`P.R<@/C$R,SPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C(N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HR+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C9P=#MC;VQO<CHC,#`P
M,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C9P=#MC;VQO<CHC,#`P,#`P.R<@/B@Q
M-RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR+C(U<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(N
M,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S4N,C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S4N,C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z(S`P,#`P,#LG(#XR-3(\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR+C(U<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,BXR-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXV
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,S,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXV<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XQ+#@X,CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C(N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HR+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C9P=#MC;VQO<CHC,#`P,#`P.R<@/B0\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW+C9P=#MC;VQO<CHC,#`P,#`P.R<@/B@X-"D\+V9O;G0^
M/"]T9#X\+W1R/CPO=&%B;&4^/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#;VYT<F%C='5A;"!M871U<FET
M:65S(&]F(&EN=F5S=&UE;G0@<V5C=7)I=&EE<SPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQD:78^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU
M<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HP<'0[;&EN92UH
M96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F=#HP<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y#;VYT<F%C='5A;"!M871U<FET:65S(&]F(&EN=F5S
M=&UE;G0@<V5C=7)I=&EE<RP@97AC;'5D:6YG(&5Q=6ET>2!S96-U<FET:65S
M(&%N9"!O=&AE<B!S96-U<FET:65S+"!A<R!O9B`\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,7!T.V-O;&]R.B,P,#`P,#`[)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/BP@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P
M=#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O
M;&]R.B,P,#`P,#`[)R`^('=E<F4@87,@9F]L;&]W<SH@/"]F;VYT/CPO<#X\
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M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HU-BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C4V+C(U<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$,2!R
M;W=S<&%N/3-$,B!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-38N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-38N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/D5S=&EM871E9#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\
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M86QI8SMC;VQO<CHC,#`P,#`P.R<@/BA-:6QL:6]N<RD\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HU-BXR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU-BXR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^0V]S="8C,38P.SPO9F]N=#X\+W1D/CQT
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M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y&86ER)B,Q-C`[5F%L=64\+V9O;G0^/"]T
M9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE
M/3-$=VED=&@Z,S(Y+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,S(Y+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y$=64@=VET:&EN(#$@>65A<CPO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-38N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-38N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#4W.2`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C4V+C(U<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C4V+C(U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`U.#`@/"]F
M;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$
M,2!S='EL93TS1'=I9'1H.C,R.2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,R.2XR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^1'5E(&%F=&5R(#$@>65A<B!B=70@=VET
M:&EN(#4@>65A<G,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q
M-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T
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M,#`P,#`[)R`^(#0S-2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N
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M.B,P,#`P,#`[)R`^(#0T,B`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O
M;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,S(Y+C(U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S(Y+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y$=64@
M869T97(@-2!Y96%R<R!B=70@=VET:&EN(#$P('EE87)S/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT
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M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`R,S4@/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D
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M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`R-3$@/"]F;VYT
M/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S
M='EL93TS1'=I9'1H.C,R.2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,R.2XR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^1'5E(&%F=&5R(#$P('EE87)S/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C4V+C(U<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C4V+C(U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`S
M+#,P,R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E
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M,#`P,#`[)R`^(#,L-#(W(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L
M<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HS,CDN,C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M,CDN,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E1O=&%L
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P
M.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU-BXR-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU
M-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#X@-"PU-3(@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-BXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z
M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HU-BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HU-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-"PW,#`@/"]F;VYT/CPO
M=&0^/"]T<CX\+W1A8FQE/CPO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-
M"BTM+2TM+3U?3F5X=%!A<G1?.&-C-F-E96-?-#DP8E\T,F8Y7S@R9#!?-F$R
M,S$Q9C<W,#EA#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+SAC8S9C
M965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y82]7;W)K<VAE971S+U-H
M965T,S`N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D
M+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970]
M(G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T
M<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@
M8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T
M('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@
M*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S
M<STS1')E<&]R="!I9#TS1$E$,$5-13X-"B`@("`@(#QT<CX-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N
M9SY!<W-E="!396-U<FET:7IA=&EO;G,@*%1A8FQE<RD\8G(^/"]S=')O;F<^
M/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#$^.2!-
M;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@
M("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q-#QB<CX\+W1H/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY#87-H($%N9"!#
M87-H($5Q=6EV86QE;G1S(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E)E<W1R:6-T960@8V%S:"!H96QD
M(&)Y('1R=7-T<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQD
M:78^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP
M<'0[;6%R9VEN+6)O='1O;3HP<'0[;&EN92UH96EG:'0Z,3!P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3%P=#MM87)G:6XM;&5F=#HP<'0[)R`^5&AE(&9O;&QO=VEN9R!T86)L
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M<B!4<G5S="`H=&AE($QE;F1I;F<@5')U<W0I(&%S(&]F(#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG
M(#XL(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^,C`Q-#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^(&%N9"!$96-E;6)E<B`S,2P@/"]F;VYT/CQF;VYT('-T>6QE
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M9F]N=#X\+W`^/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O
M/CQD:78^/'1A8FQE('-T>6QE/3-$8F]R9&5R+6-O;&QA<'-E.F-O;&QA<'-E
M.R`^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HS,3$N,C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,3$N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MF;VYT+7-T>6QE.FET86QI8SMC;VQO<CHC,#`P,#`P
M.R<@/BA-:6QL:6]N<RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ
M-2XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C$U+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF
M(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HV-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV-BXW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,34N-S5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-2XW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F
M;VYT/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$
M=VED=&@Z-C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/C(P,3,\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE
M/3-$=VED=&@Z,S$Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,S$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y#:&%R9V4@5')U<W0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ-2XW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$U+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-38N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-38N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,3PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C$U+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,34N-S5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-38N
M,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-38N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C(\
M+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,S$Q+C(U
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,S$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y,96YD:6YG(%1R=7-T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,34N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ-2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,3`N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
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M;VQD.V-O;&]R.B,P,#`P,#`[)R`^-#,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ-2XW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$U+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HU-BXR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HU-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^-38\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE
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M;W(Z(S`P,#`P,#LG(#Y4;W1A;"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ-2XW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$U+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z
M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HU-BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HU-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XT-#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C$U+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,34N-S5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HU-BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HU-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^-3@\+V9O;G0^/"]T9#X\+W1R/CPO=&%B;&4^/"]D:78^/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO
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M>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A
M9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E
M;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4]
M,T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M
M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^
M#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P13%!04,^#0H@
M("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q
M(')O=W-P86X],T0R/CQS=')O;F<^0W5S=&]M97(@1&5P;W-I=',@*%1A8FQE
M<RD\8G(^/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@
M8V]L<W!A;CTS1#$^.2!-;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@
M,C`Q-#QB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T
M<F]N9SY#=7-T;VUE<B!$97!O<VET<R`H5&%B;&5S*2!;06)S=')A8W1=/"]S
M=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y$97!O
M<VET<R!">2!#;VUP;VYE;G0@06QT97)N871I=F4\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\9&EV/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ
M=7-T:69Y.VUA<F=I;BUT;W`Z.7!T.VUA<F=I;BUB;W1T;VTZ-G!T.VQI;F4M
M:&5I9VAT.C$R<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[;6%R9VEN+6QE9G0Z,'!T.R<@
M/D%S(&]F(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^4V5P=&5M8F5R(#,P/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#LG(#XL(#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^
M,C`Q-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(&%N9"!$96-E;6)E<B`S,2P@
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#XR,#$S/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P
M=#LG(#XL(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^8W5S=&]M97(@9&5P;W-I
M=',@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YW93PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[)R`^<F4@8V%T96=O<FEZ960@87,@:6YT97)E<W0@/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3%P=#LG(#YB96%R:6YG(&]R(&YO;BUI;G1E<F5S=#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[)R`^(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^8F5A<FEN9SPO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$Q<'0[)R`^+#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^
M(&%S(&9O;&QO=W,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/CH\+V9O;G0^/"]P
M/CPO9&EV/CQP('-T>6QE/3-$;&EN92UH96EG:'0Z,C!P=#L@+SX\9&EV/CQT
M86)L92!S='EL93TS1&)O<F1E<BUC;VQL87!S93IC;VQL87!S93L@/CQT<B`^
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M:6,[8V]L;W(Z(S`P,#`P,#LG(#XH36EL;&EO;G,I/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D(&-O
M;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-C<N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/C(P,30\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ
M,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF
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M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^/"]T9#X\+W1R/CQT
M<B`^/'1D(&-O;'-P86X],T0S(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z
M,S$X+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,S$X+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y5+E,N.CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
M.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-3(N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C4R+C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,35P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HU,BXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-3(N-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED
M=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N
M/3-$,2!S='EL93TS1'=I9'1H.C,Q,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Q,2XR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^26YT97)E<W0@8F5A<FEN9SPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C4R+C5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3(N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@
M-#$L.#@S(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
M.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HU,BXU<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C4R+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C0P+#@S,3PO9F]N=#X\+W1D/CPO='(^
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M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.
M;VXM:6YT97)E<W0@8F5A<FEN9R`H:6YC;'5D97,@0V%R9"!-96UB97(@8W)E
M9&ET(&)A;&%N8V5S(&]F.B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
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M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HU,BXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3(N-7!T.R`^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS,#,N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS,#,N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/C(P,30L("0S,#0[(#(P,3,L("0S-#`I/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C4R+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-3(N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,S,V(#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-3(N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HU,BXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XS-C`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0S
M(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,S$X+C<U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S$X+C<U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.;VXM52Y3+CH\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O
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M<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL
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M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HS,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,3$N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/DEN=&5R97-T(&)E87)I;F<\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C4R+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3(N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,3`X(#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N
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M8V]L;W(Z(S`P,#`P,#LG(#XQ,C$\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D
M('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!C;VQS<&%N
M/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C,Q,2XR-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Q,2XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^3F]N+6EN=&5R
M97-T(&)E87)I;F<@*&EN8VQU9&5S($-A<F0@365M8F5R(&-R961I="!B86QA
M;F-E<R!O9CH@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q
M-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU,BXU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3(N-7!T.R`^
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M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,S`S+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,S`S+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XR,#$T+"`D,S8Q.R`R,#$S+"`D-#,W*3PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,35P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HU,BXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C4R+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#,W-B`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T
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M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3(N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^-#4Q/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT
M9"!C;VQS<&%N/3-$,R!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C,Q."XW
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,Q."XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
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M;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y
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M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#0R+#<P,R`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-3(N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HU,BXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XT,2PW-C,\+V9O;G0^/"]T9#X\+W1R/CPO=&%B;&4^/"]D
M:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y$97!O<VET<R!">2!4>7!E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/&1I=CX\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM
M87)G:6XM=&]P.CEP=#MM87)G:6XM8F]T=&]M.C9P=#ML:6YE+6AE:6=H=#HQ
M,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.VUA<F=I;BUL969T.C!P=#LG(#Y#/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3%P=#LG(#YU<W1O;65R(&1E<&]S:71S(#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[)R`^8GD@9&5P;W-I="!T>7!E/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P
M=#LG(#X@87,@;V8@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#Y397!T96UB97(@
M,S`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
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M<'0[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[)R`^=V5R92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/F%S(&9O
M;&QO=W,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/CH\+V9O;G0^/"]P/CPO9&EV
M/CQP('-T>6QE/3-$;&EN92UH96EG:'0Z,C!P=#L@+SX\9&EV/CQT86)L92!S
M='EL93TS1&)O<F1E<BUC;VQL87!S93IC;VQL87!S93L@/CQT<B`^/'1D(&-O
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M;W(Z(S`P,#`P,#LG(#XH36EL;&EO;G,I/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,35P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D(&-O;'-P86X],T0R(')O
M=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-C<N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV-RXU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(P
M,30\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
M/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T
M:#HV-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HV-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^,C`Q,SPO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS
M1#,@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HS,3$N,C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,3$N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E4N4RX@<F5T86EL(&1E
M<&]S:71S.CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P
M.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-3(N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C4R+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,35P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU,2XW-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C4Q+C<U
M<'0[(#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE
M/3-$=VED=&@Z,S`S+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S`S+C<U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y3879I;F=S(&%C8V]U;G1S("8C.#(Q,3L@1&ER96-T
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-3(N-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU,BXU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`R
M-BPR-#@@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C4Q+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C4Q+C<U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XR-"PU-3`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^
M/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!C;VQS
M<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C,P,RXW-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,P
M,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^0V5R=&EF
M:6-A=&5S(&]F(&1E<&]S:70Z/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C4R+C5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3(N-7!T.R`^
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M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,CDV+C(U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,CDV+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y$
M:7)E8W0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C4R+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3(N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,S4U(#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
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M;VQO<CHC,#`P,#`P.R<@/C0X.3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@
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M+7=I9'1H.C(Y-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^5&AI<F0M<&%R='D@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C4R+C5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3(N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@
M-BPS-S$@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C4Q+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C4Q+C<U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XV+#DR.3PO9F]N=#X\+W1D/CPO='(^/'1R
M(#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D(&-O
M;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,S`S+C<U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S`S+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y3=V5E
M<"!A8V-O=6YT<R`F(S@R,3$[(%1H:7)D+7!A<G1Y(#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU,BXU
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C4R+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^(#@L.3`Y(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,35P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU,2XW-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU,2XW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^."PX-C,\+V9O
M;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0S(')O=W-P86X],T0Q
M('-T>6QE/3-$=VED=&@Z,S$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S$Q+C(U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/=&AE<B!R971A:6P@9&5P;W-I=',Z/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HU,BXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C4R+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU,2XW-7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU
M,2XW-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z-RXU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-RXU<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S
M='EL93TS1'=I9'1H.C,P,RXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,P,RXW-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^3F]N+54N4RX@9&5P;W-I=',@86YD(%4N4RX@
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M<CHC,#`P,#`P.R<@/B`Q-34@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C4Q+C<U<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C4Q+C<U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ-34\+V9O;G0^/"]T
M9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0S(')O=W-P86X],T0Q('-T>6QE
M/3-$=VED=&@Z,S$Q+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S$Q+C(U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y#87)D($UE;6)E<B!C<F5D:70@8F%L86YC97,@
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M;BUW:61T:#HQ-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HU,BXU<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C4R+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^(#8V-2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
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M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C<W-SPO
M9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#,@<F]W<W!A;CTS
M1#$@<W1Y;&4],T1W:61T:#HS,3$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,3$N,C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E1O=&%L(&-U<W1O;65R(&1E<&]S:71S
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-3(N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU,BXU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/B`T,BPW,#,@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[
M)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,35P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D
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M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XT,2PW-C,\+V9O;G0^/"]T9#X\+W1R
M/CPO=&%B;&4^/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y4:6UE($1E<&]S:71S($)Y($UA='5R:71Y/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/&1I=CX\<"!S='EL93TS
M1'1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.CEP=#MM87)G:6XM8F]T
M=&]M.C9P=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.VUA<F=I
M;BUL969T.C!P=#LG(#Y4:&4@<V-H961U;&5D(&UA='5R:71I97,@;V8@8V5R
M=&EF:6-A=&5S(&]F(&1E<&]S:70@87,@;V8@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P
M=#LG(#Y397!T96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/BP@/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#LG(#XR,#$T/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG
M(#X@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YW93PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[)R`^<F4@87,@9F]L;&]W<SH\+V9O;G0^/"]P/CPO9&EV/CQP('-T>6QE
M/3-$;&EN92UH96EG:'0Z,C!P=#L@+SX\9&EV/CQT86)L92!S='EL93TS1&)O
M<F1E<BUC;VQL87!S93IC;VQL87!S93L@/CQT<B`^/'1D('-T>6QE/3-$=VED
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M:6,[8V]L;W(Z(S`P,#`P,#LG(#XH36EL;&EO;G,I/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D(&-O
M;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-3@N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HU
M."XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y5+E,N/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
M/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED
M=&@Z-3@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HU."XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y.;VXM52Y3+CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q
M+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C
M,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N
M/3-$,2!S='EL93TS1'=I9'1H.C4X+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3@N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P\+V9O;G0^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z,C8W<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C8W<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XR,#$T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,C%P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HR,7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,S<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/B`Q+#`W,R`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(Q<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C%P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,R`\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
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M.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#X@,2PP-S8@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT
M9"!S='EL93TS1'=I9'1H.C(V-W!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(V-W!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^,C`Q-3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
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M<CHC,#`P,#`P.R<@/B`Q+#(U.2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
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M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`T(#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[
M)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C%P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M(#$L,C8S(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T
M:#HR-C=P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HR-C=P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
M/C(P,38\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q
M+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF
M(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(Q<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@
M,2PV.#0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HR,7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C(Q<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W
M+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C%P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#$L-C@T
M(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HR-C=P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HR-C=P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3<\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(Q<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@.3,W(#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,C%P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HR,7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
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M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`Y,S<@/"]F;VYT/CPO
M=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C(V-W!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(V-W!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q.#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D
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M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`Q+#`X.2`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
M.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(Q<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C%P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N
M,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HR,7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C(Q<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,2PP.#D@/"]F;VYT/CPO=&0^/"]T
M<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C(V-W!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(V-W!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^069T97(@-2!Y96%R<SPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N
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M.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`V.#0@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
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M=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C%P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M(#8X-"`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z
M,C8W<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,C8W<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4
M;W1A;#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
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M;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#X@-BPW,C8@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,3$N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(Q<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^
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M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#<@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HR,7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C(Q<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
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M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#8L-S,S(#PO9F]N=#X\+W1D/CPO
M='(^/"]T86)L93X\+V1I=CX\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/E1I;64@1&5P;W-I=',@)#$P,"PP,#`@3W(@
M36]R93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQD:78^/'`@
M<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HY<'0[;6%R
M9VEN+6)O='1O;3HV<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P
M=#MM87)G:6XM;&5F=#HP<'0[)R`^07,@;V8@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P
M=#LG(#Y397!T96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/BP@/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#LG(#XR,#$T/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG
M(#X@86YD($1E8V5M8F5R(#,Q+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/C(P
M,3,\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/BP@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P
M=#LG(#YC97)T:69I8V%T97,@;V8\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B!D
M97!O<VET(&EN(&1E;F]M:6YA=&EO;G,@;V8@)#(U/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#LG(#XP+#`P,"!O<B!M;W)E/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#XL
M(&EN('1H92`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/F%G9W)E9V%T93PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[)R`^+#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^('=E
M<F4@87,@9F]L;&]W<SH\+V9O;G0^/"]P/CPO9&EV/CQP('-T>6QE/3-$;&EN
M92UH96EG:'0Z,C!P=#L@+SX\9&EV/CQT86)L92!S='EL93TS1&)O<F1E<BUC
M;VQL87!S93IC;VQL87!S93L@/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,S(V
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M:6,[8V]L;W(Z(S`P,#`P,#LG(#XH36EL;&EO;G,I/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,35P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D(&-O;'-P86X]
M,T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-C!P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-C!P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M,C`Q-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XR,#$S/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H
M.C,R-BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C,R-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^52Y3+CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P
M.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(R+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,BXU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^(#$Q-2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V
M,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,BXU<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^,30X/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S
M='EL93TS1'=I9'1H.C,R-BXR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,R-BXR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^3F]N+54N4RX\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HR,BXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,C(N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS-RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#(@/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,35P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B8C.#(Q,SL\+V9O;G0^/"]T
M9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,S(V+C(U<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S(V+C(U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4;W1A;#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$U<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,35P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C(R+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,BXU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O
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M+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M(#$Q-R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ-7!T.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V
M,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,BXU<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^,30X/"]F;VYT/CPO=&0^/"]T<CX\+W1A
M8FQE/CPO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X
M=%!A<G1?.&-C-F-E96-?-#DP8E\T,F8Y7S@R9#!?-F$R,S$Q9C<W,#EA#0I#
M;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+SAC8S9C965C7S0Y,&)?-#)F
M.5\X,F0P7S9A,C,Q,68W-S`Y82]7;W)K<VAE971S+U-H965T,S(N:'1M;`T*
M0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*
M0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*
M#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O
M;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M
M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N
M:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\
M+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I
M9#TS1$E$,$5+2#X-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$
M=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY$97)I=F%T:79E
M<R!A;F0@2&5D9VEN9R!!8W1I=FET:65S("A486)L97,I/&)R/CPO<W1R;VYG
M/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0Q/CD@
M36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\8G(^/"]T:#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^1&5R:79A=&EV
M97,@86YD($AE9&=I;F<@06-T:79I=&EE<R`H5&%B;&5S*2!;06)S=')A8W1=
M/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y3
M8VAE9'5L92!O9B!D97)I=F%T:79E(&EN<W1R=6UE;G1S(&EN('-T871E;65N
M="!O9B!F:6YA;F-I86P@<&]S:71I;VXL(&9A:7(@=F%L=64\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\9&EV/CQP('-T>6QE/3-$=&5X="UA
M;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ-G!T
M.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[;6%R9VEN+6QE9G0Z
M,'!T.R<@/E1H92!F;VQL;W=I;F<@=#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^
M86)L92!S=6UM87)I>F5S('1H92!T;W1A;"`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.R<@/F9A:7(@=F%L/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#YU92P@97AC;'5D
M:6YG(&EN=&5R97-T(&%C8SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^<G5A;',L
M(&]F(&1E<FEV871I=F4@87-S971S(&%N9"!L/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P
M=#LG(#YI86)I;&ET:65S(&%S(&]F(#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y397!T96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.V-O;&]R.B,P,#`P,#`[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R
M.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@86YD($1E8V5M8F5R(#,Q+"`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^
M.CPO9F]N=#X\+W`^/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T
M.R`O/CQD:78^/'1A8FQE('-T>6QE/3-$8F]R9&5R+6-O;&QA<'-E.F-O;&QA
M<'-E.R`^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HR-S`N-S5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-S`N-S5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D(&-O;'-P86X]
M,T0U(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z.3`N-S5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CDP+C<U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/D]T:&5R($%S<V5T<SPO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
M+W1D/CQT9"!C;VQS<&%N/3-$-2!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H
M.CDP+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HY,"XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y/=&AE<B!,:6%B:6QI=&EE<SPO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@
M<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HR-S`N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HR-S`N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0U(')O
M=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z.3`N-S5P=#MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CDP+C<U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/D9A:7(@5F%L=64\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
M/"]T9#X\=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T
M:#HY,"XW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z.3`N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P
M,#`P,#`[)R`^1F%I<B!686QU93PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@
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M.B,P,#`P,#`[)R`^*$UI;&QI;VYS*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS
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M="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M,C`Q-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO
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M,#`P,#`P.R<@/C(P,3,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX
M+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF
M(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
M/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T
M:#HT,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XR,#$S/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$
M,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C(W.7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(W.7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y$97)I=F%T:79E<R!D97-I9VYA=&5D
M(&%S(&AE9&=I;F<@:6YS=')U;65N=',Z/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z.7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.CEP=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S(N,C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,BXR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS,BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C,R+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C@N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HX+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
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M.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z.7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,S(N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,S(N,C5P=#L@/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N
M/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C(W.7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(W.7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y);G1E<F5S="!R871E(&-O
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M;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z.7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,S(N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V
M,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,BXR-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,R+C(U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D
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M;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HR-S`N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HR-S`N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^1F%I<B!V86QU92!H961G97,\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HY<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS,BXR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS,BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`S,#D@/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O
M;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z.7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,R+C(U<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,R+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`T-34@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S(N,C5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S(N,C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@
M,C<@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C,R+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,R+C(U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO
M<CHC,#`P,#`P.R<@/B`R(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L
M<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR-SEP=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-SEP
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P@<F5T=7)N
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M8VL[;6EN+7=I9'1H.C(W,"XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y&86ER('9A;'5E(&AE9&=E/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
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M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`X(#PO9F]N
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M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS,BXR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS,BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@
M8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR-SEP=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR
M-SEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^1F]R96EG;B!E
M>&-H86YG92!C;VYT<F%C=',\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,BXR-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,BXR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS,BXR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,R+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C@N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P
M,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
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M;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[
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M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(W,"XW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@:6YV97-T;65N="!H
M961G97,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS,BXR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,BXR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`S
M.#0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,S(N,C5P=#MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S(N,C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#$W-"`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS,BXR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS,BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`U-R`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS,BXR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS,BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XQ,38@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS
M<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C(W.7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(W.7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4;W1A;"!D97)I=F%T:79E
M<R!D97-I9VYA=&5D(&%S(&AE9&=I;F<@:6YS=')U;65N=',\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M,BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS,BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/B`V.3,@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z.7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.CEP=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S(N,C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S(N,C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#8S-R`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS,BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS,BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z
M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`X-"`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HY<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,BXR-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M,BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,3$X(#PO
M9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS
M1#$@<W1Y;&4],T1W:61T:#HR-SEP=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-SEP=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O
M;&]R.B,P,#`P,#`[)R`^1&5R:79A=&EV97,@;F]T(&1E<VEG;F%T960@87,@
M:&5D9VEN9R!I;G-T<G5M96YT<SH\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,BXR-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,R+C(U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N
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M,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z.7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.CEP=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S(N,C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS,BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V
M,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS,BXR-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,BXR-7!T.R`^/"]T9#X\
M+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUB;W1T
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M9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/D9O<F5I9VX@97AC:&%N
M9V4@8V]N=')A8W1S+"!I;F-L=61I;F<@8V5R=&%I;B!E;6)E9&1E9"!D97)I
M=F%T:79E<SPO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[
M)R`^*&$I/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR
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M;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#X@,3(Y(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HX+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
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M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`V-"`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS,BXR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,BXR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`Q-C(@/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
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M.V-O;&]R.B,P,#`P,#`[)R`^.34@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT
M9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C(W.7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(W
M.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4;W1A;"!D97)I
M=F%T:79E<RP@9W)O<W,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX
M+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,BXR-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,BXR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`X,C(@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,S(N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S(N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^(#<P,2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,BXR-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,BXR-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/B`R-#8@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N
M,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,S(N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S(N,C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V-O;&]R.B,P,#`P,#`[)R`^(#(Q,R`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^
M/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,C<Y
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,C<Y<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/DQE<W,Z
M($-A<V@@8V]L;&%T97)A;"!N971T:6YG/"]F;VYT/CQS=7`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XH8BD@/"]F;VYT/CPO<W5P/CPO=&0^/'1D
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M8V]L;W(Z(S`P,#`P,#LG(#X@*#$R-2D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HY<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z.7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,BXR-7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M,BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#,S-BD\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS,BXR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS,BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`H,C<I/"]F;VYT/CPO
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M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O
M;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,C<Y<'0[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,C<Y<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`@("`@("`@
M("!$97)I=F%T:79E(&%S<V5T(&%N9"!D97)I=F%T:79E(&QI86)I;&ET>2!N
M971T:6YG/"]F;VYT/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG
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M;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#X@*#$R-BD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,BXR-7!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,BXR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#,V*3PO9F]N=#X\
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M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("@Q,C8I/"]F;VYT/CPO
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M.B,P,#`P,#`[)R`^("@S-BD\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O
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M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/E1O=&%L(&1E<FEV
M871I=F5S+"!N970\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P
M,#`P.R<@/BAD*3PO9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C@N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HY<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,R+C(U
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M;&]R.B,P,#`P,#`[)R`^(#4W,2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HX+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HY<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S(N,C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S(N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#,R.2`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS,BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,BXR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`Y,R`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,S(N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,S(N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[
M)R`^(#$W-R`\+V9O;G0^/"]T9#X\+W1R/CPO=&%B;&4^/"]D:78^/'`@<W1Y
M;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O/CQD:78^/'5L/CQL:2!S='EL93TS
M1&QI<W0M<W1Y;&4Z;&]W97(M86QP:&$[=&5X="UA;&EG;CIJ=7-T:69Y.VUA
M<F=I;BUT;W`Z-G!T.VUA<F=I;BUB;W1T;VTZ,'!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y);F-L=61E<R!F;W)E:6=N(&-U<G)E;F-Y(&1E
M<FEV871I=F5S(&5M8F5D9&5D(&EN(&-E<G1A:6X@;W!E<F%T:6YG(&%G<F5E
M;65N=',N/"]F;VYT/CPO;&D^/&QI('-T>6QE/3-$;&ES="US='EL93IL;W=E
M<BUA;'!H83MT97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R
M9VEN+6)O='1O;3HP<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@
M/E)E<')E<V5N=',@=&AE(&]F9G-E='1I;F<@;V8@9&5R:79A=&EV92!I;G-T
M<G5M96YT<R!A;F0@=&AE(')I9VAT('1O(')E8VQA:6T@8V%S:"!C;VQL871E
M<F%L("AA(')E8V5I=F%B;&4I(&]R('1H92!O8FQI9V%T:6]N('1O(')E='5R
M;B!C87-H(&-O;&QA=&5R86P@*&$@<&%Y86)L92D@87)I<VEN9R`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YF<F]M(&1E<FEV871I=F4@
M:6YS=')U;65N="AS*2!E>&5C=71E9"!W:71H('1H92!S86UE(&-O=6YT97)P
M87)T>2!U;F1E<B!A;B!E;F9O<F-E86)L92!M87-T97(@;F5T=&EN9R!A<G)A
M;F=E;65N="X\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^($%D9&ET:6]N86QL>2P@
M=&AE($-O;7!A;GD@<F5C96EV960@;F]N8V%S:"!C;VQL871E<F%L(&9R;VT@
M82!C;W5N=&5R<&%R='D@:6X@=&AE(&9O<FT@;V8@<V5C=7)I='D@:6YT97)E
M<W0@:6X@52Y3+B!4<F5A<W5R>2!S96-U<FET:65S('=I=&@@83PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#LG(#X@9F%I<B!V86QU92!O9B`D,3$Q(&UI;&QI;VX@86YD
M(&YI;"!A<R!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y397!T96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XL(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/C(P
M,30\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#X@86YD($1E
M8V5M8F5R(#,Q+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XR,#$S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^+"!R
M97-P96-T:79E;'D\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XL(&YO;F4@;V8@=VAI8V@@=V%S('-O;&0@;W(@/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^<F5P;&5D9V5D/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^+B!3=6-H(&YO;F-A<V@@8V]L;&%T97)A
M;"!E8V]N;VUI8V%L;'D@<F5D=6-E<R!T:&4@0V]M<&%N>28C.#(Q-SMS(')I
M<VL@97AP;W-U<F4@=&\@)#0V,"!M:6QL:6]N(&%S(&]F(#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/BP@/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC
M;VQO<CHC,#`P,#`P.R<@/BP@8G5T(&0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#YO97,@;F]T(')E9'5C92!T:&4@;F5T(&5X<&]S=7)E
M(&]N('1H92!#;VUP86YY)B,X,C$W.W,@0V]N<V]L:61A=&5D($)A;&%N8V4@
M4VAE971S+B!!9&1I=&EO;F%L;'DL('1H92!#;VUP86YY('!O<W1E9"`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^.3<\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#X@;6EL;&EO;B!A;F0@/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO
M<CHC,#`P,#`P.R<@/C(V/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^(&UI;&QI;VX@87,@;V8@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^4V5P=&5M8F5R(#,P/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O
M;&]R.B,P,#`P,#`[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XR,#$T/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[
M)R`^(&%N9"!$96-E;6)E<B`S,2P@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P
M,#`P.R<@/BP@<F5S<&5C=&EV96QY/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R
M.B,P,#`P,#`[)R`^+"!A<R!I;FET:6%L(&UA<F=I;B!O;B!I=',@8V5N=#PO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/G)A;&QY(&-L96%R
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M4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/E)E<')E<V5N
M=',@=&AE(&%M;W5N="!O9B!N971T:6YG(&]F(&1E<FEV871I=F4@87-S971S
M(&%N9"!D97)I=F%T:79E(&QI86(\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z
M(S`P,#`P,#LG(#YI;&ET:65S(&5X96-U=&5D('=I=&@@=&AE('-A;64@8V]U
M;G1E<G!A<G1Y('5N9&5R(&%N(&5N9F]R8V5A8FQE(&UA<W1E<B!N971T:6YG
M(&%R<F%N9V5M96YT+CPO9F]N=#X\+VQI/CQL:2!S='EL93TS1&QI<W0M<W1Y
M;&4Z;&]W97(M86QP:&$[=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z
M,'!T.VUA<F=I;BUB;W1T;VTZ,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y4:&4@0V]M<&%N>2!H87,@;F\@:6YD:79I9'5A;&QY('-I9VYI
M9FEC86YT(&1E<FEV871I=F4@8V]U;G1E<G!A<G1I97,@86YD('1H97)E9F]R
M92P@;F\@<VEG;FEF:6-A;G0@<FES:R!E>'!O<W5R92!T;R!A;GD@<VEN9VQE
M(&1E<FEV871I=F4@8V]U;G1E<G!A<G1Y+B!4:&4@=&]T86P@/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^;F5T(&1E<FEV871I=F4@87-S
M971S(&%N9"!D97)I=F%T:79E(&QI86)I;&ET:65S(&%R92!P<F5S96YT960@
M=VET:&EN(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/D\\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YT:&5R(&%S<V5T
M<R!A;F0@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^3SPO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/G1H97(@;&EA8FEL
M:71I97,@;VX@=&AE($-O;7!A;GDF(S@R,3<[<R!#;VYS;VQI9&%T960@0F%L
M86YC92!3:&5E=',N/"]F;VYT/CPO;&D^/"]U;#X\<"!S='EL93TS1'1E>'0M
M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C9P=#MM87)G:6XM8F]T=&]M.C9P
M=#ML:6YE+6AE:6=H=#HQ,G!T.R`^/"]P/CPO9&EV/CQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^169F96-T(&]F(&9A
M:7(@=F%L=64@:&5D9V5S(&]N(')E<W5L=',@;V8@;W!E<F%T:6]N<SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQD:78^/'`@<W1Y;&4],T1T
M97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O
M;3HV<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM
M;&5F=#HP<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4:&4@9F]L;&]W:6YG('1A8FQE
M('-U;6UA<FEZ97,@=&AE(&EM<&%C="!O;B!T:&4@0V]N<V]L:61A=&5D(%-T
M871E;65N=',@;V8@26YC;VUE(&%S<V]C:6%T960@=VET:"!T:&4@0V]M<&%N
M>28C.#(Q-SMS(&AE9&=E<R!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R
M.B,P,#`P,#`[)R`^:71S(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P
M,#`P,#LG(#YF:7AE9"UR871E(&QO;F<M=&5R;2!D96)T/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B!A;F0@:71S(&EN=F5S=&UE;G0@
M:6X@24-"0R!F;W(@=&AE(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P
M,#`P,#LG(#YT:')E92!A;F0@;FEN92!M;VYT:',@96YD960\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y397!T96UB97(@,S`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^.CPO9F]N=#X\+W`^/"]D:78^/'`@
M<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O/CQD:78^/'1A8FQE('-T>6QE
M/3-$8F]R9&5R+6-O;&QA<'-E.F-O;&QA<'-E.R`^/'1R(#X\=&0@8V]L<W!A
M;CTS1#,@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ-C@N-S5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-C@N
M-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y&;W(@=&AE
M(%1H<F5E($UO;G1H<R!%;F1E9"!397!T96UB97(@,S`Z/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z-RXU<'0[9F]N="US='EL93II=&%L:6,[8V]L;W(Z(S`P,#`P,#LG(#X@
M*$UI;&QI;VYS*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C(R+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,BXU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(R
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HR,BXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
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M('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C(N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C(R+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,C(N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C(N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C(R+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,C(N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
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M=VED=&@Z-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@8V]L<W!A;CTS1#(Q
M(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,SDW+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Y-RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^1V%I;G,@*&QO<W-E
M<RD@<F5C;V=N:7IE9"!I;B!I;F-O;64\+V9O;G0^/"]T9#X\+W1R/CQT<B`^
M/'1D('-T>6QE/3-$=VED=&@Z-S)P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW,G!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC
M,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!C;VQS<&%N
M/3-$-R!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$V,"XU<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA
M;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-C`N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/D1E<FEV871I
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M.D)L86-K.VUI;BUW:61T:#HQ-C`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO
M<CHC,#`P,#`P.R<@/DAE9&=E9"!I=&5M/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG
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M.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^3F5T(&AE9&=E/"]F;VYT/CPO=&0^
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M<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HY,'!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.CDP<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R
M.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D(&-O;'-P86X],T0U(')O=W-P86X],T0Q('-T
M>6QE/3-$=VED=&@Z-C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-C0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC
M;VQO<CHC,#`P,#`P.R<@/D%M;W5N=#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C9P=#MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.3!P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY
M,'!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D
M/CQT9"!C;VQS<&%N/3-$-2!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C8T
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C8T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y!;6]U;G0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P
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M8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#MI;F5F9F5C=&EV96YE<W,\+V9O;G0^
M/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z-S)P=#MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW,G!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/D1E<FEV871I=F4@
M<F5L871I;VYS:&EP/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XF
M(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY,'!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.CDP<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^26YC
M;VUE(%-T871E;65N="!,:6YE($ET96T\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC
M;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B8C
M,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N
M/3-$,2!S='EL93TS1'=I9'1H.C(Y+C(U<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(Y+C(U<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
M=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z
M,CDN,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,CDN,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XR,#$S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E
M>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY,'!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CDP<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^26YC;VUE(%-T871E;65N
M="!,:6YE($ET96T\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C
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M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z
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M4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,SPO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
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M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P
M,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D(&-O;'-P86X],T0R
M(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,CDN,C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,CDN,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$S/"]F;VYT/CPO
M=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C<R<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-S)P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y);G1E<F5S="!R871E(&-O;G1R
M86-T<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.3!P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY,'!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/D]T:&5R(&5X<&5N<V5S)B,Q
M-C`[)B,Q-C`[/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG
M(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(R+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M*#$P.2D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C(R+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,C(N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO
M<CHC,#`P,#`P.R<@/B@Q,2D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.3!P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY,'!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/D]T:&5R(&5X<&5N<V5S
M)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF
M(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(R+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^,3$R/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C(R+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC
M;VQO<CHC,#`P,#`P.R<@/C4\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B8C
M,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C(N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HR,BXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#XS/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V
M,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,BXU<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XH-BD\+V9O;G0^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z-S)P=#MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW,G!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M+C5P=#MC;VQO<CHC,#`P,#`P.R<@/E1O=&%L(')E='5R;B!C;VYT<F%C=#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.3!P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY,'!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/D]T:&5R(&YO;BUI;G1E
M<F5S="!R979E;G5E<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P
M,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E
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M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@
M("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO
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M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B@R,2D\+V9O;G0^/"]T
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M;&]R.D)L86-K.VUI;BUW:61T:#HY,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO
M<CHC,#`P,#`P.R<@/D]T:&5R(&YO;BUI;G1E<F5S="!R979E;G5E<SPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
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M.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T
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M;&]R.B,P,#`P,#`[)R`^,C$@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-G!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,BXU
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C(R+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG
M(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P
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M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[
M("`@/"]F;VYT/CPO=&0^/"]T<CX\+W1A8FQE/CPO9&EV/CQP('-T>6QE/3-$
M;&EN92UH96EG:'0Z,C!P=#L@+SX\9&EV/CQT86)L92!S='EL93TS1&)O<F1E
M<BUC;VQL87!S93IC;VQL87!S93L@/CQT<B`^/'1D(&-O;'-P86X],T0S(')O
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M="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^1F]R('1H92!.:6YE($UO
M;G1H<R!%;F1E9"!397!T96UB97(@,S`Z/"]F;VYT/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[
M9F]N="US='EL93II=&%L:6,[8V]L;W(Z(S`P,#`P,#LG(#X@*$UI;&QI;VYS
M*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C(R+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HR,BXU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(R+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,BXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
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M=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C(N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,C(N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C(R+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N
M-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C(N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,C(N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
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M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V
M,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@8V]L<W!A;CTS1#(Q(')O=W-P86X]
M,T0Q('-T>6QE/3-$=VED=&@Z,SDW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,Y-RXU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^1V%I;G,@*&QO<W-E<RD@<F5C;V=N
M:7IE9"!I;B!I;F-O;64\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE
M/3-$=VED=&@Z-S)P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW,G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@
M/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!C;VQS<&%N/3-$-R!R;W=S
M<&%N/3-$,2!S='EL93TS1'=I9'1H.C$V,"XU<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT
M97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-C`N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/D1E<FEV871I=F4@8V]N=')A
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M;BUW:61T:#HQ-C`N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P
M.R<@/DAE9&=E9"!I=&5M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF
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M;&]R.B,P,#`P,#`[)R`^3F5T(&AE9&=E/"]F;VYT/CPO=&0^/"]T<CX\='(@
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M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HY,'!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.CDP<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D(&-O;'-P86X],T0U(')O=W-P86X],T0Q('-T>6QE
M/3-$=VED=&@Z-C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-C0N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO
M<CHC,#`P,#`P.R<@/D%M;W5N=#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C9P=#MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.3!P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY,'!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT
M9"!C;VQS<&%N/3-$-2!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C8T+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C8T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y!
M;6]U;G0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO
M9F]N=#X\+W1D/CQT9"!C;VQS<&%N/3-$-2!R;W=S<&%N/3-$,2!S='EL93TS
M1'=I9'1H.C8T+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C8T+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XF(S$V,#MI;F5F9F5C=&EV96YE<W,\+V9O;G0^/"]T
M9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z-S)P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW,G!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/D1E<FEV871I=F4@<F5L
M871I;VYS:&EP/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V
M,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY,'!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.CDP<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^26YC;VUE
M(%-T871E;65N="!,:6YE($ET96T\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@
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M:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR
M,#$T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
M/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED
M=&@Z,CDN,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,CDN,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XR,#$S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T
M.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY,'!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CDP<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^26YC;VUE(%-T871E
M;65N="!,:6YE($ET96T\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
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M-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y
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M97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q
M,SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N
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M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P
M,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D(&-O;'-P86X]
M,T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,CDN,C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,CDN,C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$S/"]F;VYT
M/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C<R<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-S)P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y);G1E<F5S="!R871E(&-O
M;G1R86-T<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[
M)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.3!P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY,'!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/D]T:&5R(&5X<&5N<V5S
M)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF
M(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(R+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^*#$W,"D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
M.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C(R+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B@S,#4I/"]F;VYT/CPO=&0^/'1D('-T
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M=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/=&AE
M<B!E>'!E;G-E<R8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[
M)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HR,BXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C(R+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/C$W-CPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,BXU<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XR.34\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC
M,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,C(N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HR,BXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XV/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P
M.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,BXU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XH,3`I/"]F;VYT
M/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C<R<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-S)P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4;W1A;"!R971U
M<FX@8V]N=')A8W0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@
M/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CDP
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z.3!P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/
M=&AE<B!N;VXM:6YT97)E<W0@<F5V96YU97,\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC
M,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
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M;&%C:SMM:6XM=VED=&@Z,C(N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,3$\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO
M<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL
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M<CI";&%C:SMM:6XM=VED=&@Z,C(N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO
M<CHC,#`P,#`P.R<@/B@Q,"D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.3!P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HY,'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/D]T:&5R
M(&YO;BUI;G1E<F5S="!R979E;G5E<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C9P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P
M,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
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M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XH,3$I/"]F;VYT/CPO=&0^/'1D('-T
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M:SMM:6XM=VED=&@Z,C(N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P
M,#`P.R<@/C$P(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[
M)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C(N-7!T.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR
M,BXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
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M=VED=&@Z,C(N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@
M/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/"]T<CX\+W1A8FQE/CPO9&EV/CQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M1&5R:79A=&EV92!I;G-T<G5M96YT<R!G86EN(&QO<W,@<F5C;V=N:7IE9"!I
M;B!I;F-O;64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\9&EV
M/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T
M.VUA<F=I;BUB;W1T;VTZ-G!T.VQI;F4M:&5I9VAT.C$R<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[;6%R9VEN+6QE9G0Z,'!T.V-O;&]R.B,P,#`P,#`[)R`^5&AE(&9O
M;&QO=VEN9R!T86)L92!S=6UM87)I>F5S('1H92!I;7!A8W0@/"]F;VYT/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/F]N('!R971A>"!E87)N:6YG
M<R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^;V8@9&5R
M:79A=&EV97,@;F]T(&1E<VEG;F%T960@87,@:&5D9V5S/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/BP@87,@/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#MC;VQO<CHC,#`P,#`P.R<@/G)E<&]R=&5D/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B!O;B!T:&4@0V]N<V]L:61A=&5D(%-T
M871E;65N=',@;V8@26YC;VUE/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC
M,#`P,#`P.R<@/B!F;W(@=&AE(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z
M(S`P,#`P,#LG(#YT:')E92!A;F0@;FEN92!M;VYT:',@96YD960\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#Y397!T96UB97(@,S`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^.CPO9F]N=#X\+W`^/"]D:78^
M/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O/CQD:78^/'1A8FQE('-T
M>6QE/3-$8F]R9&5R+6-O;&QA<'-E.F-O;&QA<'-E.R`^/'1R(#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,3DN,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,3DN,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,34N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q-2XU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M8V]L<W!A;CTS1#$Q(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,C(V+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C(R-BXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/E!R
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M:61T:#HQ,34N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
M97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y
M;&4],T1W:61T:#HQ,#DN-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3`Y+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^1F]R('1H92!4:')E92!-;VYT:',@16YD960\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#DN-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3`Y+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^1F]R('1H
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M86-K.VUI;BUW:61T:#HQ,34N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#4@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#DN-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N
M=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`Y+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^4V5P=&5M8F5R(#,P+#PO9F]N
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M.VUI;BUW:61T:#HQ,#DN-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y397!T96UB97(@,S`L/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S
M='EL93TS1'=I9'1H.C$Q.2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q.2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M9F]N="US='EL93II=&%L:6,[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P
M,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!C;VQS<&%N/3-$
M-2!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$P.2XU<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,#DN-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y!;6]U;G0\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.F-E;G1E
M<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#DN
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,3`Y+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^
M06UO=6YT/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H
M.C$Q.2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$Q.2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y$97-C<FEP=&EO;B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="US
M='EL93II=&%L:6,[8V]L;W(Z(S`P,#`P,#LG(#X@*$UI;&QI;VYS*3PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,34N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q-2XU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CEP=#MC;VQO<CHC,#`P,#`P.R<@/DEN8V]M92!3=&%T96UE;G0@3&EN92!)
M=&5M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO
M9F]N=#X\+W1D/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS
M1'=I9'1H.C4Q<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C4Q<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0R(')O
M=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-3%P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3%P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0R
M(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-3%P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3%P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
M9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HU
M,7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HU,7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$S
M/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C$Q.2XR
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C$Q.2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y);G1E
M<F5S="!R871E(&-O;G1R86-T<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,34N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C$Q-2XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/D]T:&5R
M(&5X<&5N<V5S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@
M)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XQ/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XQ/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S
M='EL93TS1'=I9'1H.C$Q.2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q.2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y&;W)E:6=N(&5X8VAA;F=E(&-O;G1R86-T<SPO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C1P=#MC;VQO<CHC,#`P,#`P.R<@/B`\+V9O;G0^/'-U
M<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/BAA*3PO9F]N=#X\+W-U
M<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,34N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q-2XU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP
M=#MC;VQO<CHC,#`P,#`P.R<@/D]T:&5R(&5X<&5N<V5S/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC
M;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#(U(#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XX-#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^(#$P."`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$
M=VED=&@Z,3$Y+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3$Y+C(U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO
M<CHC,#`P,#`P.R<@/B`\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC
M,#`P,#`P.R<@/B`\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$U+C5P
M=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,34N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y#
M;W-T(&]F($-A<F0@365M8F5R('-E<G9I8V5S(#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
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M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T
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M<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0S+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C0\+V9O;G0^/"]T
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M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O
M;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$Y+C(U<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3$Y+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/E1O=&%L
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,34N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
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M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,CPO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P
M,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XR-CPO
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M.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C@X
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y
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M.B,P,#`P,#`[)R`^,3`Y/"]F;VYT/CPO=&0^/"]T<CX\+W1A8FQE/CPO9&EV
M/CQP('-T>6QE/3-$;&EN92UH96EG:'0Z,C!P=#L@+SX\9&EV/CQP('-T>6QE
M/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VQI;F4M:&5I9VAT.C$R<'0[(#X\+W`^
M/'5L/CQL:2!S='EL93TS1&QI<W0M<W1Y;&4Z;&]W97(M86QP:&$[=&5X="UA
M;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z-G!T.VUA<F=I;BUB;W1T;VTZ,'!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[)R`^1F]R96EG;B!E>&-H86YG92!C;VYT<F%C=',@
M:6YC;'5D92!F;W)W87)D<R!A;F0@96UB961D960@9F]R96EG;B!C=7)R96YC
M>2!D97)I=F%T:79E<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#XN(#PO9F]N=#X\
M+VQI/CPO=6P^/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM
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M:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV
M/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T
M/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$
M4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R
M:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P
M;W)T(&ED/3-$240P13)&/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA
M<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG/D9A:7(@
M5F%L=65S("A486)L97,I/&)R/CPO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT
M:"!C;&%S<STS1'1H(&-O;'-P86X],T0Q/CD@36]N=&AS($5N9&5D/"]T:#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS
M1'1H/E-E<"X@,S`L(#(P,30\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/CQS=')O;F<^1F%I<B!686QU97,@*%1A8FQE<RD@6T%B<W1R
M86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^1F%I<B!V86QU92!A<W-E=',@86YD(&QI86)I;&ET:65S(&UE87-U<F5D
M(&]N(')E8W5R<FEN9R!B87-I<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQD:78^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R
M9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HV<'0[;&EN92UH96EG:'0Z,3)P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F=#HP<'0[8V]L;W(Z(S`P,#`P
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M(S`P,#`P,#LG(#Y397!T96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O
M;&]R.B,P,#`P,#`[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P
M,#`P,#`[)R`^,C`Q-#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P
M,#LG(#X@86YD(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y$96-E;6)E<B`S,3PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XL/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MC;VQO<CHC,#`P,#`P.R<@/B`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,SPO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$Q<'0[8V]L;W(Z(S`P,#`P,#LG(#XZ/"]F;VYT/CPO<#X\
M+V1I=CX\<"!S='EL93TS1&QI;F4M:&5I9VAT.C(P<'0[("\^/&1I=CX\=&%B
M;&4@<W1Y;&4],T1B;W)D97(M8V]L;&%P<V4Z8V]L;&%P<V4[(#X\='(@/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.#DN,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX
M.2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\
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M;W(Z(S`P,#`P,#LG(#XR,#$T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z.7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[
M)B,Q-C`[/"]F;VYT/CPO=&0^/'1D(&-O;'-P86X],T0Q,2!R;W=S<&%N/3-$
M,2!S='EL93TS1'=I9'1H.C$W-'!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3<T<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC
M;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D
M(&-O;'-P86X],T0S(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3`T+C(U
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,3`T+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7-T>6QE.FET86QI
M8SMC;VQO<CHC,#`P,#`P.R<@/BA-:6QL:6]N<RD\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@
M<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HS-BXW-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-BXW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4;W1A;#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.CEP=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@8V]L<W!A
M;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HS-BXW-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-BXW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y,979E;"8C,38P
M.S$\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
M=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z
M,S8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,S8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[
M)R`^3&5V96P@,CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
M+V9O;G0^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4]
M,T1W:61T:#HS-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y,979E;"`S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z.7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HY<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C
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M.CEP=#MC;VQO<CHC,#`P,#`P.R<@/E1O=&%L/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z.7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HY<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P
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M="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/DQE=F5L)B,Q-C`[,3PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@
M8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HS-BXW-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y,979E
M;"`R/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P
M.R<@/DQE=F5L(#,\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X]
M,T0S(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3`T+C(U<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`T+C(U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^07-S971S.CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P
M,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C@N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR."XU
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M="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P
M.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C@N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR."XU<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(X
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N
M,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR."XU<'0[8F]R
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M.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y
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M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C
M,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR."XU<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(X+C5P=#L@
M/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,R!R;W=S<&%N/3-$,2!S
M='EL93TS1'=I9'1H.C$P-"XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P-"XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#Y);G9E<W1M96YT('-E8W5R:71I97,Z/"]F;VYT
M/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XH82D\+V9O;G0^
M/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T9#X\
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M:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG
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M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O
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M;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
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M=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF
M(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N
M,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C@N-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR."XU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
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M:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG
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M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O
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M:61T:#HY-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y%
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M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(X+C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,C@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B`Q(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C@N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C(X+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,C@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`Q(#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(X+C5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C@N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HY<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,C@N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HR."XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O
M;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C(X+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG
M(#X@,3(T(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,C@N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR."XU<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC
M;VQO<CHC,#`P,#`P.R<@/B`Q,C0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z.7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HY<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N
M,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HX+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B0\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR."XU<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(X+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C(X+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,C@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0R
M(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z.38N-S5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY-BXW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y$96)T('-E8W5R:71I97,@
M86YD(&]T:&5R/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,C@N-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR."XU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#0L-S0Y
M(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HR."XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(X+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,S0Y(#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P
M.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(X+C5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C@N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`T
M+#0P,"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX
M+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR."XU<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C(X+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.CEP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX
M+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR."XU<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C(X+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#0L.#DR
M(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HR."XU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(X+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O
M;&]R.B,P,#`P,#`[)R`^(#,R,"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HY<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^
M)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C@N-7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR
M."XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`T+#4W,B`\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
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M;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/"]T<CX\
M='(@/CQT9"!C;VQS<&%N/3-$,R!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H
M.C$P-"XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$P-"XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y$97)I=F%T:79E<SPO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O
M;&]R.B,P,#`P,#`[)R`^*&$I/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE
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M;&]R.B,P,#`P,#`[)R`^(#@R,B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
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M.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HY<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HR."XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(X+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@.#(R(#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C
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M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z.7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HY<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C
M,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P
M=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(X+C5P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,C@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-S`Q
M(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HR."XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(X+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M,#`P,#`P.R<@/B`W,#$@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M.7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HY<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
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M,C@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S
M.R`@(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#,@<F]W
M<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#0N,C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,#0N,C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P@87-S971S/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,C@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HR."XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#4L-3<R(#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C(X+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C@N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`S-3`@/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[
M)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N
M,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C@N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR."XU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^(#4L,C(R(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C@N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(X
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,C@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z.7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HY<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P
M,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C@N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(X
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,C@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@
M-2PW,3<@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C(X+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C@N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-#0T(#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR
M."XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C(X+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^
M(#4L,C<S(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^
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M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T
M9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0S(')O=W-P86X],T0Q('-T>6QE
M/3-$=VED=&@Z,3`T+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3`T+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^3&EA8FEL:71I97,Z/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,C@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HR."XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C@N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HX+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(X+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,C@N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XF
M(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR."XU<'0[8F]R9&5R
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M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C@N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR."XU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR
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M9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C(X+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C@N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C@N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C@N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR
M."XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@
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M+7=I9'1H.C$P-"XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y$97)I=F%T:79E<SPO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P
M,#`P,#`[)R`^*&$I/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE/3-$=VED
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M,#`P,#`[)R`^(#(T-B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HX+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HR."XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C(X+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P
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M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B`R-#8@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
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M;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M,#`P,#`P.R<@/B`R,3,@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M.7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HY<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
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M,C@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S
M.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR."XU<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(X+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#(Q,R`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HY<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT
M9"!C;VQS<&%N/3-$,R!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$P-"XR
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C$P-"XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4
M;W1A;"!L:6%B:6QI=&EE<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.CEP=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HY<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX
M+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(X+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,C@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/B`R-#8@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z.7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HY<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,C@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR."XU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@
M("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HY<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX
M+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z."XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,C0V(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.CEP=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z.7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(X+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C@N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`F
M(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.7!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HY<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C
M,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@N,C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX+C(U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T
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M.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#(Q,R`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HY<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.CEP=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P
M,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z."XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C@N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(X+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,C@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S
M.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CEP=#MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX+C(U<'0[8F]R9&5R+71O
M<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z."XR-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,C@N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR."XU<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC
M;VQO<CHC,#`P,#`P.R<@/B`R,3,@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z.7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HY<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P
M.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C@N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HX+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
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M;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\
M+V9O;G0^/"]T9#X\+W1R/CPO=&%B;&4^/"]D:78^/'`@<W1Y;&4],T1L:6YE
M+6AE:6=H=#HR,'!T.R`O/CQD:78^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU
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M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^+CPO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CAP=#LG(#X@/"]F;VYT/CPO;&D^/"]U;#X\<"!S='EL93TS1'1E>'0M86QI
M9VXZ:G5S=&EF>3ML:6YE+6AE:6=H=#HQ,G!T.R`^/"]P/CPO9&EV/CQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^17-T
M:6UA=&5D(&9A:7(@=F%L=64@;V8@9FEN86YC:6%L(&%S<V5T<R!A;F0@9FEN
M86YC:6%L(&QI86)I;&ET:65S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/&1I=CX\<"!S='EL93TS1'1E>'0M86QI9VXZ:G5S=&EF>3MM87)G
M:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C!P=#ML:6YE+6AE:6=H=#HQ,G!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^<F5Q=6ER960@
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M97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^+"!A<R!O9B`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,7!T.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[
M)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/C(P,30\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/F%N9"!$96-E;6)E
M<B`S,2P@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#XR,#$S/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3%P=#LG(#XN(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^5&AE(&9A:7(@
M=F%L=65S(&]F('1H97-E(&9I;F%N8VEA;"!I;G-T<G5M96YT<R!A<F4@97-T
M:6UA=&5S(&)A<V5D(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^=7!O;B!T:&4@
M;6%R:V5T(&-O;F1I=&EO;G,@86YD('!E<F-E:79E9"!R:7-K<R!A<R!O9B`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/C(P,30\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/F%N
M9"!$96-E;6)E<B`S,2P@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
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M4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^(&%G9W)E9V%T:6YG('1H92!A;6]U
M;G1S('!R97-E;G1E9"X\+V9O;G0^/"]P/CPO9&EV/CQP('-T>6QE/3-$;&EN
M92UH96EG:'0Z,C!P=#L@+SX\9&EV/CQT86)L92!S='EL93TS1&)O<F1E<BUC
M;VQL87!S93IC;VQL87!S93L@/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,RXW
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ-S8N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ-S8N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,3$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M0V%R<GEI;F<\+V9O;G0^/"]T9#X\=&0@8V]L<W!A;CTS1#$@<F]W<W!A;CTS
M1#(@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO
M<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
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M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/D-O<G)E<W!O;F1I;F<@1F%I<B!686QU92!!;6]U;G0\+V9O;G0^/"]T
M9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0T(')O=W-P86X],T0Q('-T>6QE
M/3-$=VED=&@Z,3DU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3DU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-"`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[9F]N="US='EL93II=&%L:6,[8V]L;W(Z(S`P,#`P,#LG(#XH0FEL
M;&EO;G,I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
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M="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M5F%L=64\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4;W1A;#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,S<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P
M,#`P.R<@/DQE=F5L(#$\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/DQE=F5L(#(\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C,W+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y,979E;"`S/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS
M<&%N/3-$-"!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$Y-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Y-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/D9I;F%N8VEA;"!!<W-E=',Z/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C,W+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
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M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,S<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,W+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CPO=&0^/"]T<CX\
M='(@/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT
M9"!C;VQS<&%N/3-$,R!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$Y,2XR
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C$Y,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y&
M:6YA;F-I86P@87-S971S(&9O<B!W:&EC:"!C87)R>6EN9R!V86QU97,@/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
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M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N
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M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@8V]L
M<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ.#,N-S5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M.#,N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^97%U86P@
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M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
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M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y
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M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT
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M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
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M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3<V+C(U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3<V+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/D-A
M<V@@86YD(&-A<V@@97%U:79A;&5N=',\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/B`R,2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^)"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,C$@/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#XD(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`R,"`\+V9O;G0^/"]T9#X\=&0@
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M;VQD.V-O;&]R.B,P,#`P,#`[)R`^)"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,2`\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/'-U<#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CEP=#MC;VQO<CHC,#`P,#`P.R<@/BAA*3PO9F]N=#X\+W-U<#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0@/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@
M("`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,RXW
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ-S8N,C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ-S8N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^3W1H97(@9FEN86YC:6%L(&%S<V5T
M<SPO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^*&(I
M/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#X@-#@@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^(#0X(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^)"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XD(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W
M+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/B`T."`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#XD(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z
M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^
M/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\
M+W1D/CQT9"!C;VQS<&%N/3-$,R!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H
M.C$Y,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$Y,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y&:6YA;F-I86P@87-S971S(&-A<G)I960@870@;W1H97(@=&AA;B!F
M86ER('9A;'5E/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT
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M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C,W+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N
M,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
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M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[
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M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,3<V+C(U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3<V+C(U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/DQO86YS+"!N970\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`V-B`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)"`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-C8@/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^
M/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/BAC*3PO9F]N=#X\
M+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0@
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^)"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L
M9#MC;VQO<CHC,#`P,#`P.R<@/B0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#8V(#PO9F]N=#X\+W1D/CPO='(^
M/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\
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M;6EN+7=I9'1H.C$W-BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ
M,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
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M;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
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M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S<N-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0T(')O=W-P
M86X],T0Q('-T>6QE/3-$=VED=&@Z,3DU<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3DU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^1FEN86YC:6%L
M($QI86)I;&ET:65S.CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q
M+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^
M)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU
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M.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
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M:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#,@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HQ.3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ.3$N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^1FEN86YC:6%L(&QI86)I;&ET:65S
M(&9O<B!W:&EC:"!C87)R>6EN9R!V86QU97,@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT
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M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@
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M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HQ.#,N-S5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ.#,N-S5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^97%U86P@;W(@87!P<F]X:6UA=&4@
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M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0U<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^(#8P(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF
M(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XD(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B`V,"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ
M,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^)"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-C`@/"]F;VYT/CPO=&0^/'1D('-T
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M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)"`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N
M=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW
M-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#,@<F]W<W!A;CTS1#$@<W1Y;&4]
M,T1W:61T:#HQ.3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ.3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^1FEN86YC:6%L(&QI86)I;&ET:65S(&-A<G)I960@870@
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M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
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M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS-RXU<'0[(#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HS
M+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
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M<CHC,#`P,#`P.R<@/B!F86ER('9A;'5E/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
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M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
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M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CPO=&0^/"]T<CX\='(@/CQT9"!S
M='EL93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#X@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$W-BXR-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$W-BXR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y#97)T:69I8V%T97,@
M;V8@9&5P;W-I=#PO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^*&0I/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#X@-R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^
M)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^)"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#X@-R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/B0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\
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M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)"`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-R`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD(#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@
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M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
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M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/DQO;F<M=&5R;2!D
M96)T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF
M(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#X@-38@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS-RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-3@@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/'-U<#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CEP=#MC;VQO<CHC,#`P,#`P.R<@/BAC*3PO9F]N=#X\+W-U<#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0@/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("8C
M.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CEP=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/B`U."`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#XD(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C,W+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT
M/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HR.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3<V+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C([8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3<V+C(U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C$Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C([8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C([8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0U
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C([
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HR.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HR.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,CMB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,CMB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,S<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HR.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HR.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.V)O<F1E<BUT;W`M<W1Y
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M9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HR.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
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M;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y#
M87)R>6EN9SPO9F]N=#X\+W1D/CQT9"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$
M,B!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R
M.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P
M,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!C;VQS<&%N/3-$
M,3`@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR,#(N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C`R+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^0V]R<F5S<&]N9&EN
M9R!&86ER(%9A;'5E($%M;W5N=#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@
M8V]L<W!A;CTS1#0@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ.35P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ.35P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,R`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[9F]N="US='EL93II=&%L:6,[8V]L;W(Z(S`P
M,#`P,#LG(#XH0FEL;&EO;G,I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
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M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/E9A;'5E
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M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4;W1A;#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C$Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,S<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/DQE=F5L(#$\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CEP=#MC;VQO<CHC,#`P,#`P.R<@/DQE=F5L(#(\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C,W+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y,979E;"`S/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$
M-"!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$Y-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Y-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/D9I;F%N
M8VEA;"!!<W-E=',Z/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N
M,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T9#X\=&0@
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M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
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M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,S<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
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M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y&:6YA;F-I86P@87-S
M971S(&9O<B!W:&EC:"!C87)R>6EN9R!V86QU97,@/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
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M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\
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M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W
M<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ.#,N-S5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ.#,N-S5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^97%U86P@;W(@87!P<F]X:6UA
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M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
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M.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
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M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
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M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3<V+C(U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3<V+C(U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/D-A<V@@86YD(&-A<V@@
M97%U:79A;&5N=',\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V-O;&]R.B,P,#`P,#`[)R`^(#$Y(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)"`\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#$Y(#PO9F]N=#X\+W1D
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M<CHC,#`P,#`P.R<@/B0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/B`Q-R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B0@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO
M<CHC,#`P,#`P.R<@/B`R(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C$Q+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$Q+C(U<'0[(#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P
M,#`P,#`[)R`^*&$I/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/B0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@
M/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3<V+C(U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3<V+C(U<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CEP=#MC;VQO<CHC,#`P,#`P.R<@/D]T:&5R(&9I;F%N8VEA;"!A<W-E=',\
M+V9O;G0^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/BAB*3PO
M9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N
M,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#X@-#@@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XD(#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-#@@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P
M,#`[)R`^)"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q
M,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B0@/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO
M<CHC,#`P,#`P.R<@/B`T."`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)"`\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O
M;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,RXW-7!T.W1E
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M<CHC,#`P,#`P.R<@/D9I;F%N8VEA;"!A<W-E=',@8V%R<FEE9"!A="!O=&AE
M<B!T:&%N(&9A:7(@=F%L=64\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE
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M,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
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M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y,;V%N<RP@;F5T/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P
M,#`P.R<@/B`V-R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[
M)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B0@/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`V-R`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\<W5P/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V-O;&]R.B,P,#`P,#`[)R`^*&,I/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC
M,#`P,#`P.R<@/B0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`F
M(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XD(#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XD(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-C<@
M/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE
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M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
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M;VUA;CMF;VYT+7-I>F4Z.7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#Y&:6YA;F-I86P@3&EA8FEL:71I97,Z/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[
M)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X
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M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^
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M.C$Y,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y&:6YA
M;F-I86P@;&EA8FEL:71I97,@9F]R('=H:6-H(&-A<G)Y:6YG('9A;'5E<SPO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@<W1Y
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M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T
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M97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/F5Q=6%L
M(&]R(&%P<')O>&EM871E(&9A:7(@=F%L=64\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^(#8P(#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O
M;&]R.B,P,#`P,#`[)R`^)"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[
M)R`^(#8P(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B0@/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP
M=#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XD(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-C`@/"]F
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M.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B0@/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC
M,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT
M9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!C;VQS
M<&%N/3-$,R!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$Y,2XR-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Y
M,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y&:6YA;F-I
M86P@;&EA8FEL:71I97,@8V%R<FEE9"!A="!O=&AE<B!T:&%N(#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T
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M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
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M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
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M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@8V]L
M<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ.#,N-S5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M.#,N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^9F%I<B!V
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M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
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M,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q
M+C(U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P
M=#L@/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$W-BXR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$W-BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y#97)T:69I8V%T97,@;V8@9&5P;W-I=#PO9F]N=#X\<W5P
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^*&0I/"]F;VYT/CPO<W5P
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P
M.R<@/B`W(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V
M,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)"`\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T
M.V-O;&]R.B,P,#`P,#`[)R`^(#@@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^
M)"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\
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M=#MC;VQO<CHC,#`P,#`P.R<@/B0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P
M,#`P.R<@/B`X(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XD(#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D
M/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M8F]T=&]M
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M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$W-BXR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#Y,;VYG+71E<FT@9&5B=#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#X@-34@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N
M-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z(S`P,#`P,#LG(#XD
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B`U."`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\
M<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^*&,I/"]F;VYT/CPO
M<W5P/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@/B0@/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,S<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP
M=#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D
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M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HY<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N
M-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CEP=#MC;VQO<CHC,#`P,#`P.R<@
M/B`U."`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^)"`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z.7!T.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^
M/"]T9#X\+W1R/CPO=&%B;&4^/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H
M=#HR,'!T.R`O/CQD:78^/'5L/CQL:2!S='EL93TS1&QI<W0M<W1Y;&4Z;&]W
M97(M86QP:&$[=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z-G!T.VUA
M<F=I;BUB;W1T;VTZ,G!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I4
M:6UE<SMF;VYT+7-I>F4Z.'!T.R`^4F5F;&5C=',@=&EM92!D97!O<VET<RX\
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M<B!R96-E:79A8FQE<R!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^)#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#LG(#XV+C(\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^(&)I
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M.CAP=#LG(#Y397!T96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^+"`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[)R`^,C`Q-#PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG
M(#X@86YD($1E8V5M8F5R(#,Q+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^,C`Q
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M;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,G!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^
M26YC;'5D97,@9F%I<B!V86QU97,@;V8@;&]A;G,@;V8@/"]F;VYT/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z.'!T.R<@/B0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^,C@N,3PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#LG(#X@8FEL;&EO;B!A;F0@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.R<@/B0\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^,S$N,#PO9F]N=#X\9F]N="!S
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M;6%N.V9O;G0M<VEZ93HX<'0[)R`^(&)I;&QI;VX@86YD(#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.CAP=#LG(#XD/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/C$X+C@\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[)R`^(&)I;&QI;VX@:&5L9"!B>2!C;VYS;VQI9&%T960@
M5DE%<R!A<R!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^4V5P=&5M8F5R(#,P
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/BP\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^
M(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#LG(#XR,#$T/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.R<@/B!A;F0@1&5C/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/F5M8F5R(#,Q+"`\
M+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS
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M;B!T:&4@0V]N<V]L:61A=&5D($)A;&%N8V4@4VAE971S+B`\+V9O;G0^/"]L
M:3X\+W5L/CQP('-T>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VQI;F4M:&5I
M9VAT.C$R<'0[(#X\+W`^/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*
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M=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P
M+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C
M:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@
M<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J
M+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S
M/3-$<F5P;W)T(&ED/3-$240P14U%/@T*("`@("`@/'1R/@T*("`@("`@("`\
M=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG
M/D=U87)A;G1E97,@*%1A8FQE<RD\8G(^/"]S=')O;F<^/"]T:#X-"B`@("`@
M("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#$^.2!-;VYT:',@16YD960\
M+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L
M87-S/3-$=&@^4V5P+B`S,"P@,C`Q-#QB<CX\+W1H/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^/'-T<F]N9SY'=6%R86YT965S("A486)L97,I(%M!
M8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/DEN9F]R;6%T:6]N(')E;&%T960@=&\@9W5A<F%N=&5E<SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQD:78^/'`@<W1Y;&4],T1T
M97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O
M;3HV<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM
M;&5F=#HP<'0[)R`^5&AE(&9O;&QO=VEN9R!T86)L92!P<F]V:61E<R!I;F9O
M<FUA=&EO;B!R96QA=&5D('1O('-U8V@@9W5A<F%N=&5E<R!A<R!O9B`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/C(P,30\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,7!T.R<@/B!A;F0@1&5C96UB97(@,S$L(#PO9F]N=#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$Q<'0[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^.B`\+V9O
M;G0^/"]P/CPO9&EV/CQP('-T>6QE/3-$;&EN92UH96EG:'0Z,C!P=#L@+SX\
M9&EV/CQT86)L92!S='EL93TS1&)O<F1E<BUC;VQL87!S93IC;VQL87!S93L@
M/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,C0P+C<U<'0[8F]R9&5R+71O<"US
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M;'-P86X],T0U(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3`V+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P
M-BXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y-87AI;75M
M('!O=&5N=&EA;#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3$N,C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0U(')O=W-P86X],T0Q('-T
M>6QE/3-$=VED=&@Z,3`V+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$P-BXU<'0[(#X\+W1D/CPO='(^/'1R(#X\
M=&0@<W1Y;&4],T1W:61T:#HR-#`N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-#`N-S5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@8V]L
M<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#8N-7!T.W1E
M>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3`V+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B!U;F1I
M<V-O=6YT960@9G5T=7)E/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU
M<'0[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT
M97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,W+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT
M+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q
M+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.CDN-S5P=#MT97AT+6%L
M:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CDN-S5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ
M8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^
M/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,C0P+C<U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C0P
M+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P
M=#L@/CPO=&0^/'1D(&-O;'-P86X],T0U(')O=W-P86X],T0Q('-T>6QE/3-$
M=VED=&@Z,3`V+C5P=#MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$P-BXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#YP87EM96YT<SPO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/BAA*3PO9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D(&-O;'-P86X]
M,T0U(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3`V+C5P=#MT97AT+6%L
M:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P-BXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y296QA=&5D(&QI
M86)I;&ET>3PO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/BAB*3PO9F]N=#X\+W-U<#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4]
M,T1W:61T:#HR-#`N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HR-#`N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#4@
M<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#8N-7!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`V+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7-T>6QE.FET86QI8SMC;VQO<CHC,#`P
M,#`P.R<@/BA":6QL:6]N<RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$-2!R;W=S
M<&%N/3-$,2!S='EL93TS1'=I9'1H.C$P-BXU<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIC
M96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,#8N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V9O;G0M<W1Y;&4Z:71A;&EC.V-O;&]R.B,P,#`P,#`[
M)R`^*$UI;&QI;VYS*3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4]
M,T1W:61T:#HR-#`N-S5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HR-#`N-S5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/E1Y<&4@;V8@1W5A<F%N=&5E/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@
M8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HT.'!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M.'!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XR,#$T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N
M,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q
M-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X]
M,T0Q('-T>6QE/3-$=VED=&@Z-#<N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#<N,C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@8V]L
M<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HT.'!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT.'!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XR,#$T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[
M)B,Q-C`[/"]F;VYT/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q
M('-T>6QE/3-$=VED=&@Z-#<N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#<N,C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^/"]T9#X\+W1R/CQT<B`^
M/'1D('-T>6QE/3-$=VED=&@Z,C0P+C<U<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C0P+C<U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y#87)D(&%N9"!T<F%V96P@;W!E<F%T:6]N
M<SPO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/BAC
M*3PO9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#X@-#0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q
M-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.2XW-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.CDN
M-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C0T/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,3`N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$P+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C,W+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@-#,@/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z.2XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.CDN-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`X
M."`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,C0P
M+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C0P+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y/=&AE<CPO9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/BAD*3PO9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3`N
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M;VQO<CHC,#`P,#`P.R<@/B`Q(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
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M:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^,3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
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M,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#X@-S$@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M.2XW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.CDN-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N
M-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#X@-S,@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H
M.C(T,"XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C(T,"XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^5&]T86P\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR
M-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,"XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
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M.V-O;&]R.B,P,#`P,#`[)R`^(#0U(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C$Q+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.CDN-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HY+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XT
M-3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N
M,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C
M,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[
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M.B,P,#`P,#`[)R`^(#$Q-"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HY+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z.2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,38Q/"]F
M;VYT/CPO=&0^/"]T<CX\+W1A8FQE/CPO9&EV/CQP('-T>6QE/3-$;&EN92UH
M96EG:'0Z,C!P=#L@+SX\9&EV/CQU;#X\;&D@<W1Y;&4],T1L:7-T+7-T>6QE
M.FQO=V5R+6%L<&AA.W1E>'0M86QI9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C9P
M=#MM87)G:6XM8F]T=&]M.C)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^4F5P<F5S96YT<R!T:&4@;F]T:6]N86P@86UO=6YT<R`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[8V]L;W(Z(S`P,#`P,#LG(#YT:&%T(&-O=6QD(&)E(&QO
M<W0@=6YD97(@=&AE(&=U87)A;G1E97,@86X\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#YD(&EN9&5M;FEF:6-A=&EO;G,@:68@=&AE<F4@
M=V5R93PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/B!A('1O
M=&%L(&1E9F%U;'0@8GD@=&AE(&=U87)A;G1E960@<&%R=&EE<SPO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/BX\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[8V]L;W(Z(S`P,#`P,#LG(#X@5&AE(&UA>&EM=6T@<&]T96YT:6%L('5N
M9&ES8V]U;G1E9"!F=71U<F4@<&%Y;65N=',@9F]R($UE<F-H86YT(%!R;W1E
M8W1I;VX@87)E(&UE87-U<F5D('5S:6YG(&UA;F%G96UE;G0F(S@R,3<[<R!B
M97-T(&5S=&EM871E(&]F(&UA>&EM=6T@97AP;W-U<F4@8F%S960@;VX@86QL
M(&5L:6=I8FQE(&-L86EM<R!I;B!R96QA=&EO;B!T;R!A;FYU86P@8FEL;&5D
M(&)U<VEN97-S('9O;'5M97,N(#PO9F]N=#X\+VQI/CQL:2!S='EL93TS1&QI
M<W0M<W1Y;&4Z;&]W97(M86QP:&$[=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I
M;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ,G!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L
M;W(Z(S`P,#`P,#LG(#Y);F-L=61E9"!I;B`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M8V]L;W(Z(S`P,#`P,#LG(#YO=&AE<B!L:6%B:6QI=&EE<R!O;B!T:&4@/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^0V]M<&%N>28C.#(Q
M-SMS($-O;G-O;&ED871E9"!"86QA;F-E(%-H965T<RX@/"]F;VYT/CPO;&D^
M/&QI('-T>6QE/3-$;&ES="US='EL93IL;W=E<BUA;'!H83MT97AT+6%L:6=N
M.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HR<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/E!R:6UA<FEL>2!I;F-L=61E
M<R!2971U<FX@4')O=&5C=&EO;B!A;F0@365R8VAA;G0@4')O=&5C=&EO;CPO
M9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.CAP=#MC;VQO<CHC,#`P,#`P.R<@/BX\+V9O;G0^/"]L
M:3X\;&D@<W1Y;&4],T1L:7-T+7-T>6QE.FQO=V5R+6%L<&AA.W1E>'0M86QI
M9VXZ:G5S=&EF>3MM87)G:6XM=&]P.C!P=#MM87)G:6XM8F]T=&]M.C)P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P,#`[)R`^4')I;6%R:6QY(&EN8VQU
M9&5S(&=U87)A;G1E97,@<F5L871E9"!T;R!T:&4@0V]M<&%N>28C.#(Q-SMS
M(&)U<VEN97-S(&1I<W!O<VET:6]N<SPO9F]N=#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#MC;VQO
M<CHC,#`P,#`P.R<@/BP@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.V-O;&]R.B,P,#`P
M,#`[)R`^<F5A;"!E<W1A=&4\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[8V]L;W(Z(S`P
M,#`P,#LG(#X@86YD(&IO:6YT('9E;G1U<F5S+CPO9F]N=#X\+VQI/CPO=6P^
M/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO
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M=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N
M="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\
M<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO
M*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A
M9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$
M240P13)&/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C
M;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG/D-H86YG97,@:6X@06-C
M=6UU;&%T960@3W1H97(@0V]M<')E:&5N<VEV92`H3&]S<RD@26YC;VUE("A4
M86)L97,I/&)R/CPO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS
M1'1H(&-O;'-P86X],T0Q/CD@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@
M,S`L(#(P,30\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/CQS=')O;F<^0V]M<&]N96YT<R!O9B!#;VUP<F5H96YS:79E($EN8V]M92P@
M;F5T(&]F('1A>"!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y#;VUP;VYE;G1S(&]F(&-O;7!R96AE;G-I
M=F4@:6YC;VUE("AL;W-S*2P@;F5T(&]F('1A>#PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQD:78^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU
M<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HP<'0[;&EN92UH
M96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F=#HP<'0[)R`^
M0VAA;F=E<R!I;B!E86-H(&-O;7!O;F5N="!O9B!!3T-)(&9O<B!T:&4@/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#LG(#YT:')E92!A;F0@;FEN92!M;VYT:',@96YD
M960\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^+"`\+V9O
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M='EL93TS1&)O<F1E<BUC;VQL87!S93IC;VQL87!S93L@/CQT<B`^/'1D('-T
M>6QE/3-$=VED=&@Z,C(Y+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HR,CDN-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC
M;VQO<CHC,#`P,#`P.R<@/D9O<B!T:&4@5&AR964@36]N=&AS($5N9&5D(%-E
M<'1E;6)E<B`S,"P@,C`Q-"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7-T
M>6QE.FET86QI8SMC;VQO<CHC,#`P,#`P.R<@/BA-:6QL:6]N<RD\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/BP@;F5T(&]F('1A>#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\
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M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.
M970@56YR96%L:7IE9"!'86EN<R`H3&]S<V5S*2!O;B!);G9E<W1M96YT(%-E
M8W5R:71I97,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P
M=#L@/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$
M=VED=&@Z-3DN,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-3DN,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y&;W)E:6=N($-U<G)E;F-Y(%1R86YS;&%T:6]N($%D:G5S
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M,#`P,#`[)R`^3F5T(%5N<F5A;&EZ960@4&5N<VEO;B!A;F0@3W1H97(@4&]S
M=')E=&ER96UE;G0@0F5N969I="`H3&]S<V5S*2!'86EN<SPO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@8V]L<W!A
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M;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y!8V-U;75L871E
M9"!/=&AE<B!#;VUP<F5H96YS:79E("A,;W-S*2!);F-O;64\+V9O;G0^/"]T
M9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,C(Y+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,CDN-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^0F%L86YC97,@87,@;V8@2G5N92`S,"P@,C`Q-#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC
M,#`P,#`P.R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,C0N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HR-"XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC
M,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@
M/B`Q,#4@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(U+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-2XU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT
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M-7!T.V-O;&]R.B,P,#`P,#`[)R`^("@Q+#$Q."D\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,C4N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C(U+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,CDN,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,CDN,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@
M*#,U."D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C4N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,S-P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S-P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L
M;W(Z(S`P,#`P,#LG(#X@*#$L,S<Q*3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\
M=&0@<W1Y;&4],T1W:61T:#HR,CDN-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R.2XU<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T
M.V-O;&]R.B,P,#`P,#`[)R`^3F5T('5N<F5A;&EZ960@9V%I;G,\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T
M>6QE/3-$9F]N="UF86UI;'DZ0V%L:6)R:3MF;VYT+7-I>F4Z-RXU<'0[8V]L
M;W(Z(S`P,#`P,#L@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C(T+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,C0N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,S,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z
M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`R(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HR-2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O
M;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR.2XR-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR.2XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ93HW+C5P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[(#X@)B,X,C$S.R`@
M(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS,W!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS,W!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#(@/"]F;VYT/CPO=&0^/"]T
M<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C(R.2XU<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(Y+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y);F-R96%S92`H9&5C<F5A
M<V4I(&1U92!T;R!A;6]U;G1S(')E8VQA<W-I9FEE9"!I;G1O(&5A<FYI;F=S
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\
M9F]N="!S='EL93TS1&9O;G0M9F%M:6QY.D-A;&EB<FD[9F]N="US:7IE.C<N
M-7!T.V-O;&]R.B,P,#`P,#`[(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
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M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@*#$S*3PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS,RXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#$@/"]F;VYT/CPO
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M;&0[8V]L;W(Z(S`P,#`P,#L@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D
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M8V]L;W(Z(S`P,#`P,#LG(#X@*#$R*3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\
M=&0@<W1Y;&4],T1W:61T:#HR,CDN-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R.2XU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N
M-7!T.V-O;&]R.B,P,#`P,#`[)R`^3F5T('1R86YS;&%T:6]N("AL;W-S*2!O
M9B!I;G9E<W1M96YT<R!I;B!F;W)E:6=N(&]P97)A=&EO;G,\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE
M/3-$9F]N="UF86UI;'DZ0V%L:6)R:3MF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z
M(S`P,#`P,#L@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
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M;VQO<CHC,#`P,#`P.R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y
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M9#MC;VQO<CHC,#`P,#`P.R<@/B`H-#$T*3PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HR-2XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR.2XR
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HR.2XR-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI
M8G)I.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,W!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,W!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^("@T,30I/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS
M1'=I9'1H.C(R.2XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,C(Y+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y.970@*&QO<W-E<RD@<F5L871E9"!T;R!H961G97,@;V8@
M:6YV97-T;65N="!I;B!F;W)E:6=N(&]P97)A=&EO;G,\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$
M9F]N="UF86UI;'DZ0V%L:6)R:3MF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P
M,#`P,#L@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
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M<CHC,#`P,#`P.R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
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M;VQO<CHC,#`P,#`P.R<@/B`R-#8@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(U
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HR-2XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(Y+C(U<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C(Y+C(U<'0[(#X\9F]N="!S='EL93TS1&9O;G0M9F%M:6QY.D-A;&EB<FD[
M9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#L@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
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M="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
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M,#`P,#`[)R`^4&5N<VEO;B!A;F0@;W1H97(@<&]S=')E=&ER96UE;G0@8F5N
M969I="!G86EN<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R`^)B,Q-C`[)B,Q-C`[/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C0N-S5P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-"XW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T
M.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ
M93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[(#X@)B,X
M,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T
M.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ
M93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[(#X@)B,X
M,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR.2XR-7!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR.2XR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^(#<@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[
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M="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#X@-R`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z
M,C(Y+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HR,CDN-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P
M.R<@/DYE="!C:&%N9V4@:6X@86-C=6UU;&%T960@;W1H97(@8V]M<')E:&5N
M<VEV92`H;&]S<RD@:6YC;VUE(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#
M86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R`^)B,Q-C`[
M)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C0N-S5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR
M-"XW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^("@Q,2D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C4N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/B`H,38W*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR.2XR-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR.2XR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^(#<@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(U+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
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M.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@*#$W
M,2D\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,C(Y
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HR,CDN-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^0F%L86YC97,@87,@;V8@4V5P=&5M8F5R(#,P
M+"`R,#$T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-"XU<'0[(#X\9F]N="!S='EL93TS1&9O;G0M9F%M:6QY.D-A;&EB<FD[9F]N
M="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[(#XF(S$V,#LF(S$V,#L\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-"XW-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(T+C<U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N
M-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B`Y-"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C4N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C(U+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^("@Q+#(X-2D\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,C4N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C(U+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HR.2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR.2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("@S-3$I/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C(U+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-2XU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S-P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S-P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`H
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M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
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M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMB;W)D97(M8F]T=&]M+7-T>6QE.G-O
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M93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HR.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HR-2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C([8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR.2XR
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HR.2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C4N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HR.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S-P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
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M+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y&;W(@=&AE($YI;F4@36]N
M=&AS($5N9&5D(%-E<'1E;6)E<B`S,"P@,C`Q-#PO9F]N=#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N
M-7!T.V9O;G0M<W1Y;&4Z:71A;&EC.V-O;&]R.B,P,#`P,#`[)R`^("A-:6QL
M:6]N<RD\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/BP@
M;F5T(&]F('1A>#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N
M-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4]
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M(S`P,#`P,#LG(#Y.970@56YR96%L:7IE9"!'86EN<R`H3&]S<V5S*2!O;B!)
M;G9E<W1M96YT(%-E8W5R:71I97,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X]
M,T0Q('-T>6QE/3-$=VED=&@Z-3DN,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3DN,C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y&;W)E:6=N($-U<G)E;F-Y(%1R86YS
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M-7!T.V-O;&]R.B,P,#`P,#`[)R`^3F5T(%5N<F5A;&EZ960@4&5N<VEO;B!A
M;F0@3W1H97(@4&]S=')E=&ER96UE;G0@0F5N969I="`H3&]S<V5S*2!'86EN
M<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T
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M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y!8V-U;75L871E9"!/=&AE<B!#;VUP<F5H96YS:79E("A,;W-S*2!);F-O
M;64\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,C(Y
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HR,CDN-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^0F%L86YC97,@87,@;V8@1&5C96UB97(F(S$V
M,#LS,2P@,C`Q,SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R`^)B,Q-C`[)B,Q-C`[/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C0N-S5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-"XW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`V,R`\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,C4N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C(U+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#$L
M,#DP*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HR.2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR.2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MC;VQO<CHC,#`P,#`P.R<@/B`H,SDY*3PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HR-2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C4N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P
M.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,W!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,W!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`H,2PT,C8I/"]F
M;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C(R.2XU<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(Y
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@=6YR
M96%L:7IE9"!G86EN<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I
M.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R`^)B,Q-C`[)B,Q-C`[
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C0N-S5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-"XW-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#$P
M,B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C4N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U+C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$
M9F]N="UF86UI;'DZ0V%L:6)R:3MF;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,C4N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C(U+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,CDN,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,CDN,C5P=#L@/CQF;VYT('-T>6QE/3-$9F]N="UF86UI;'DZ
M0V%L:6)R:3MF;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,C4N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C(U+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S-P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S-P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B`Q,#(@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I
M9'1H.C(R.2XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,C(Y+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y);F-R96%S92`H9&5C<F5A<V4I(&1U92!T;R!A;6]U;G1S(')E
M8VQA<W-I9FEE9"!I;G1O(&5A<FYI;F=S/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1&9O;G0M9F%M
M:6QY.D-A;&EB<FD[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[(#XF
M(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-"XW
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C(T+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,S+C<U<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,S+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#X@*#<Q*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^(#4@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
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M:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#L@/B`F
M(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[
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M.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@*#8V
M*3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HR,CDN
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C(R.2XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^
M3F5T('1R86YS;&%T:6]N("AL;W-S*2!O9B!I;G9E<W1M96YT<R!I;B!F;W)E
M:6=N(&]P97)A=&EO;G,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$9F]N="UF86UI;'DZ0V%L:6)R
M:3MF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#L@/B8C,38P.R8C,38P
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M-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R`^("8C.#(Q
M,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT
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M>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`H
M,S$S*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HR.2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR.2XR-7!T.R`^/&9O;G0@
M<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[(#X@)B,X,C$S.R`@(#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS,W!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS,W!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("@S,3,I/"]F;VYT/CPO
M=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C(R.2XU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(Y+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@*&QO<W-E
M<RD@<F5L871E9"!T;R!H961G97,@;V8@:6YV97-T;65N="!I;B!F;W)E:6=N
M(&]P97)A=&EO;G,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$9F]N="UF86UI;'DZ0V%L:6)R:3MF
M;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#L@/B8C,38P.R8C,38P.SPO
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M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R`^("8C.#(Q,SL@
M("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L
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M-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`Q,3,@
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M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#L@/B`F(S@R,3,[("`@/"]F;VYT
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M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,3$S(#PO9F]N=#X\+W1D/CPO
M='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HR,CDN-7!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R.2XU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^4&5N<VEO;B!A;F0@
M;W1H97(@<&]S=')E=&ER96UE;G0@8F5N969I="!G86EN<SPO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC
M,#`P,#`P.R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,C0N-S5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HR-"XW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS,RXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT
M+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HR-2XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS,RXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT
M+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HR-2XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HR.2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HR.2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#0X(#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HR-2XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS,W!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS,W!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#0X(#PO9F]N=#X\+W1D/CPO
M='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HR,CDN-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R.2XU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^3F5T(&-H86YG92!I;B!A
M8V-U;75L871E9"!O=&AE<B!C;VUP<F5H96YS:79E(&EN8V]M92`H;&]S<RD\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF
M;VYT('-T>6QE/3-$9F]N="UF86UI;'DZ0V%L:6)R:3MF;VYT+7-I>F4Z-RXU
M<'0[8V]L;W(Z(S`P,#`P,#L@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT
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M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`S,2`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,C4N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`H,3DU*3PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HR-2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HR.2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HR.2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#0X(#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HR-2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS,W!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS,W!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^("@Q,38I/"]F;VYT/CPO=&0^/"]T<CX\
M='(@/CQT9"!S='EL93TS1'=I9'1H.C(R.2XU<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(Y+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/D)A
M;&%N8V5S(&%S(&]F(%-E<'1E;6)E<B`S,"P@,C`Q-#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC
M,#`P,#`P.R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,C0N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HR-"XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S
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M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@.30@/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C(U+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-2XU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N
M-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/B`H,2PR.#4I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(U+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-2XU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,CDN,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,CDN,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[9F]N="UW96EG:'0Z8F]L9#MC
M;VQO<CHC,#`P,#`P.R<@/B`H,S4Q*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HR-2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C4N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
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M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@*#$L-30R*3PO9F]N=#X\+W1D/CPO
M='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HR,CDN-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HR.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R.2XU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HR.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HR-"XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
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M1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HR.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR
M-2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C([8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HR.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,S+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HR.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C([8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HR.2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HR.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(Y+C(U<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HR.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HR-2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C([8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS,W!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HR.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS,W!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED
M=&@Z,C(Y+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HR,CDN-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P
M,#`P.R<@/D9O<B!T:&4@5&AR964@36]N=&AS($5N9&5D(%-E<'1E;6)E<B`S
M,"P@,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V9O;G0M<W1Y;&4Z:71A;&EC
M.V-O;&]R.B,P,#`P,#`[)R`^("A-:6QL:6]N<RD\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M+C5P=#MC;VQO<CHC,#`P,#`P.R<@/BP@;F5T(&]F('1A>#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@8V]L<W!A
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M;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@56YR96%L
M:7IE9"!'86EN<R`H3&]S<V5S*2!O;B!);G9E<W1M96YT(%-E8W5R:71I97,\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^
M/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-3DN
M,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-3DN,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG
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M<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^
M3F5T(%5N<F5A;&EZ960@4&5N<VEO;B!A;F0@3W1H97(@4&]S=')E=&ER96UE
M;G0@0F5N969I="`H3&]S<V5S*2!'86EN<SPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W
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M>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y!8V-U;75L871E9"!/=&AE<B!#
M;VUP<F5H96YS:79E("A,;W-S*2!);F-O;64\+V9O;G0^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z,C(Y+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,CDN-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^0F%L
M86YC97,@87,@;V8@2G5N92`S,"P@,C`Q,SPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A
M;6EL>3I#86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R`^
M)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C0N
M-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HR-"XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@
M/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`Q-3,@/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C(U+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-2XU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N
M-7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
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M.B,P,#`P,#`[)R`^("@Q+#`R-RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C4N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C(U+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XD
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,CDN,C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,CDN,C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#0S-"D\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,C4N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,S-P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,S-P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P
M,#LG(#X@*#$L,S`X*3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4]
M,T1W:61T:#HR,CDN-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C(R.2XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P
M,#`P,#`[)R`^3F5T('5N<F5A;&EZ960@*&QO<W-E<RD\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$
M9F]N="UF86UI;'DZ0V%L:6)R:3MF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P
M,#`P,#L@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C(T+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C0N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N
M-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@
M*#(U*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4]
M,T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC
M,#`P,#`P.R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C4N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C(U+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,CDN,C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,CDN,C5P
M=#L@/CQF;VYT('-T>6QE/3-$9F]N="UF86UI;'DZ0V%L:6)R:3MF;VYT+7-I
M>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#L@/B`F(S@R,3,[("`@/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C(U+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HR-2XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C,S<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C,S<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^
M("@R-2D\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z
M,C(Y+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HR,CDN-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P
M.R<@/DEN8W)E87-E("AD96-R96%S92D@9'5E('1O(&%M;W5N=',@<F5C;&%S
M<VEF:65D(&EN=&\@96%R;FEN9W,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$9F]N="UF86UI;'DZ
M0V%L:6)R:3MF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#L@/B8C,38P
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M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#(S*3PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS,RXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D
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M.D-A;&EB<FD[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[(#X@)B,X
M,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,W!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,W!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`H,C,I/"]F;VYT/CPO=&0^/"]T<CX\
M='(@/CQT9"!S='EL93TS1'=I9'1H.C(R.2XU<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(Y+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@=')A;G-L871I;VX@9V%I
M;B!O9B!I;G9E<W1M96YT<R!I;B!F;W)E:6=N(&]P97)A=&EO;G,\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T
M>6QE/3-$9F]N="UF86UI;'DZ0V%L:6)R:3MF;VYT+7-I>F4Z-RXU<'0[8V]L
M;W(Z(S`P,#`P,#L@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C(T+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,C0N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,S,N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$9F]N="UF
M86UI;'DZ0V%L:6)R:3MF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#L@
M/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(U+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-2XU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,S+C<U<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,S+C<U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^(#$S-"`\+V9O;G0^
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M="UF86UI;'DZ0V%L:6)R:3MF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P
M,#L@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
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M="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^(#$S-"`\+V9O;G0^/"]T
M9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,C(Y+C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,CDN-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/DYE="!G86EN<R!R
M96QA=&5D('1O(&AE9&=E<R!O9B!I;G9E<W1M96YT(&EN(&9O<F5I9VX@;W!E
M<F%T:6]N<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N
M-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M
M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C0N-S5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-"XW-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@
M<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MC
M;VQO<CHC,#`P,#`P.R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y
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M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG
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M<'0[8V]L;W(Z(S`P,#`P,#L@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C(U+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HR-2XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C,S<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C,S<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^
M("@Q,C,I/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H
M.C(R.2XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,C(Y+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y096YS:6]N(&%N9"!O=&AE<B!P;W-T<F5T:7)E;65N="!B96YE
M9FET(&=A:6YS/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-"XU<'0[(#X\9F]N="!S='EL93TS1&9O;G0M9F%M:6QY.D-A;&EB<FD[9F]N
M="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[(#XF(S$V,#LF(S$V,#L\+V9O
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M.C<N-7!T.V-O;&]R.B,P,#`P,#`[(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HR-2XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS,RXW-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T1F
M;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P
M,#`P.R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@
M-B`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L
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M-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-B`\+V9O;G0^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z,C(Y+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,CDN-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/DYE="!C:&%N9V4@:6X@86-C=6UU
M;&%T960@;W1H97(@8V]M<')E:&5N<VEV92`H;&]S<RD@:6YC;VUE(#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/&9O;G0@
M<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ93HW+C5P=#MC
M;VQO<CHC,#`P,#`P.R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,C0N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HR-"XW-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO
M<CHC,#`P,#`P.R<@/B`H-#@I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(U+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
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M4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^(#$Q(#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[8F]R9&5R+71O<"US='EL93IS
M;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HR.2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR.2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MC;VQO<CHC,#`P,#`P.R<@/B`V(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR
M-2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,W!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M,W!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`H,S$I/"]F
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M<CHC,#`P,#`P.R<@/D)A;&%N8V5S(&%S(&]F(%-E<'1E;6)E<B`S,"P@,C`Q
M,SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T
M.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ
M93HW+C5P=#MC;VQO<CHC,#`P,#`P.R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,C0N-S5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-"XW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC
M;VQO<CHC,#`P,#`P.R<@/B`Q,#4@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C(U+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HR-2XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,S+C<U<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,S
M+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("@Q+#`Q
M-BD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C4N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,CDN,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,CDN,C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU
M<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#0R."D\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z,C4N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C(U+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S-P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S-P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#$L,S,Y
M*3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HR,CDN
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HR
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z(S`P,#`P,#MM:6XM
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M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMB;W)D97(M8F]T=&]M
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M.V)O<F1E<BUT;W`M=VED=&@Z,CMB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
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M1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HR.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR
M-2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C([8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR.2XR-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HR.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HR.2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C4N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HR.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,S-P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMB;W)D97(M8F]T=&]M+7-T>6QE.G-O
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M>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y&;W(@=&AE($YI;F4@36]N=&AS
M($5N9&5D(%-E<'1E;6)E<B`S,"P@,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T
M.V9O;G0M<W1Y;&4Z:71A;&EC.V-O;&]R.B,P,#`P,#`[)R`^("A-:6QL:6]N
M<RD\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/BP@;F5T
M(&]F('1A>#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T
M.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W
M:61T:#HU."XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C4X+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y.970@56YR96%L:7IE9"!'86EN<R`H3&]S<V5S*2!O;B!);G9E
M<W1M96YT(%-E8W5R:71I97,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT+C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q
M('-T>6QE/3-$=VED=&@Z-3DN,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3DN,C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y&;W)E:6=N($-U<G)E;F-Y(%1R86YS;&%T
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M.V-O;&]R.B,P,#`P,#`[)R`^3F5T(%5N<F5A;&EZ960@4&5N<VEO;B!A;F0@
M3W1H97(@4&]S=')E=&ER96UE;G0@0F5N969I="`H3&]S<V5S*2!'86EN<SPO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\
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M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y!
M8V-U;75L871E9"!/=&AE<B!#;VUP<F5H96YS:79E("A,;W-S*2!);F-O;64\
M+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,C(Y+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HR,CDN-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^0F%L86YC97,@87,@;V8@1&5C96UB97(F(S$V,#LS
M,2P@,C`Q,CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N
M-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M
M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C0N-S5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-"XW-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P
M=#MC;VQO<CHC,#`P,#`P.R<@/B`S,34@/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C(U+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HR-2XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,S+C<U<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,S
M+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("@W-30I
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C(U+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-2XU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL
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M;&]R.B,P,#`P,#`[)R`^("@T.#@I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(U
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HR-2XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^
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M="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("@Y,C<I/"]F;VYT/CPO
M=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C(R.2XU<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(Y+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@=6YR96%L:7IE
M9"`H;&]S<V5S*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0N-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R`^)B,Q-C`[)B,Q-C`[/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C0N-S5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-"XW-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW
M+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`H,30Q*3PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HR-2XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I
M.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R`^("8C.#(Q,SL@("`\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,C4N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,CDN,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,CDN,C5P=#L@/CQF;VYT('-T>6QE/3-$9F]N
M="UF86UI;'DZ0V%L:6)R:3MF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P
M,#L@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(U+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
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M.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("@Q-#$I/"]F;VYT/CPO=&0^/"]T
M<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C(R.2XU<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(Y+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y);F-R96%S92`H9&5C<F5A
M<V4I(&1U92!T;R!A;6]U;G1S(')E8VQA<W-I9FEE9"!I;G1O(&5A<FYI;F=S
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\
M9F]N="!S='EL93TS1&9O;G0M9F%M:6QY.D-A;&EB<FD[9F]N="US:7IE.C<N
M-7!T.V-O;&]R.B,P,#`P,#`[(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HR-"XW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(T+C<U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C,S+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,S+C<U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T
M.V-O;&]R.B,P,#`P,#`[)R`^("@V.2D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
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M($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@
M)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR.2XR-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR.2XR-7!T.R`^
M/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I.V9O;G0M<VEZ93HW
M+C5P=#MC;VQO<CHC,#`P,#`P.R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\
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M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG
M(#X@*#8Y*3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T
M:#HR,CDN-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C(R.2XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P
M,#`[)R`^3F5T('1R86YS;&%T:6]N("AL;W-S*2!O9B!I;G9E<W1M96YT<R!I
M;B!F;W)E:6=N(&]P97)A=&EO;G,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T>6QE/3-$9F]N="UF86UI;'DZ
M0V%L:6)R:3MF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#L@/B8C,38P
M.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(T+C<U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,C0N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S,N-S5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S,N
M-S5P=#L@/CQF;VYT('-T>6QE/3-$9F]N="UF86UI;'DZ0V%L:6)R:3MF;VYT
M+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#L@/B`F(S@R,3,[("`@/"]F;VYT
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M;&]R.B,P,#`P,#`[)R`^("@T,C(I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[(#X@)B,X,C$S.R`@(#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS,W!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS,W!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO
M<CHC,#`P,#`P.R<@/B`H-#(R*3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@
M<W1Y;&4],T1W:61T:#HR,CDN-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R.2XU<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T
M.V-O;&]R.B,P,#`P,#`[)R`^3F5T(&=A:6YS(')E;&%T960@=&\@:&5D9V5S
M(&]F(&EN=F5S=&UE;G0@:6X@9F]R96EG;B!O<&5R871I;VYS/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL
M93TS1&9O;G0M9F%M:6QY.D-A;&EB<FD[9F]N="US:7IE.C<N-7!T.V-O;&]R
M.B,P,#`P,#`[(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HR-"XW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C(T+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C,S+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C,S+C<U<'0[(#X\9F]N="!S='EL93TS1&9O;G0M9F%M
M:6QY.D-A;&EB<FD[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[(#X@
M)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`Q-C`@/"]F;VYT/CPO
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M9F%M:6QY.D-A;&EB<FD[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[
M(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,W!T.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,W!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`Q-C`@/"]F;VYT/CPO=&0^
M/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C(R.2XU<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C(Y+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#Y096YS:6]N(&%N
M9"!O=&AE<B!P;W-T<F5T:7)E;65N="!B96YE9FET(&=A:6YS/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL
M93TS1&9O;G0M9F%M:6QY.D-A;&EB<FD[9F]N="US:7IE.C<N-7!T.V-O;&]R
M.B,P,#`P,#`[(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
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M;G0M9F%M:6QY.D-A;&EB<FD[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P
M,#`[(#X@)B,X,C$S.R`@(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C0N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,C4N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS,RXW-7!T.R`^/&9O;G0@<W1Y;&4],T1F;VYT+69A;6EL>3I#86QI8G)I
M.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R`^("8C.#(Q,SL@("`\
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M>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-C`@/"]F;VYT/CPO=&0^/'1D
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P
M,#`[)R`^(#8P(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W
M:61T:#HR,CDN-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C(R.2XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P
M,#`P,#`[)R`^3F5T(&-H86YG92!I;B!A8V-U;75L871E9"!O=&AE<B!C;VUP
M<F5H96YS:79E("AL;W-S*2!I;F-O;64@/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\9F]N="!S='EL93TS1&9O;G0M9F%M
M:6QY.D-A;&EB<FD[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[(#XF
M(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-"XW
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
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M97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("@R
M,3`I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(U+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
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M.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("@R-C(I/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C(U+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P
M,#`[)R`^(#8P(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,W!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,W!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`H-#$R*3PO9F]N=#X\+W1D/CPO
M='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HR,CDN-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R.2XU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C<N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#Y"86QA;F-E<R!A<R!O9B!397!T96UB97(@,S`L(#(P,3,\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT+C5P=#L@/CQF;VYT('-T
M>6QE/3-$9F]N="UF86UI;'DZ0V%L:6)R:3MF;VYT+7-I>F4Z-RXU<'0[8V]L
M;W(Z(S`P,#`P,#L@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL
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M;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,S,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,S,N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-RXU<'0[8V]L;W(Z(S`P,#`P
M,#LG(#X@,3`U(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0N-7!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR-2XU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS,RXW-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS,RXW-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HW+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`H,2PP,38I/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-"XU<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C(U+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-2XU<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C<N-7!T
M.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
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M,#`P,#`[)R`^("@T,C@I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-"XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(U+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HR-2XU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO
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M:7IE.C<N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("@Q+#,S.2D\+V9O;G0^/"]T
M9#X\+W1R/CPO=&%B;&4^/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y296-L87-S:69I8V%T:6]N(&]U="!O
M9B!A8V-U;75L871E9"!O=&AE<B!C;VUP<F5H96YS:79E("AL;W-S*2!I;F-O
M;64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\9&EV/CQP('-T
M>6QE/3-$=&5X="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$Q<'0[)R`^=&AR964@86YD
M(&YI;F4@;6]N=&AS(&5N9&5D/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#X@/"]F
M;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3%P=#LG(#Y397!T96UB97(@,S`\+V9O;G0^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,7!T.R<@/BP@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#XR,#$T/"]F;VYT
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3%P=#LG(#XZ/"]F;VYT/CPO<#X\+V1I=CX\<"!S='EL93TS
M1&QI;F4M:&5I9VAT.C(P<'0[("\^/&1I=CX\=&%B;&4@<W1Y;&4],T1B;W)D
M97(M8V]L;&%P<V4Z8V]L;&%P<V4[(#X\='(@/CQT9"!S='EL93TS1'=I9'1H
M.C$Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,CDN-S5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
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M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HX."XU<'0[(#X\+W1D/CQT9"!C;VQS<&%N
M/3-$,3(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR,CAP=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(R.'!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HV+C5P=#MC;VQO<CHC,#`P,#`P.R<@/BA'86EN<RD@;&]S
M<V5S(')E8V]G;FEZ960@:6X@:6YC;VUE/"]F;VYT/CPO=&0^/"]T<CX\='(@
M/CQT9"!S='EL93TS1'=I9'1H.C$Q+C(U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y
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M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[
M(#X\+W1D/CQT9"!C;VQS<&%N/3-$-2!R;W=S<&%N/3-$,2!S='EL93TS1'=I
M9'1H.C$P.'!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,3`X<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C8N-7!T.V-O;&]R.B,P,#`P,#`[
M)R`^1F]R('1H92!4:')E92!-;VYT:',@16YD960\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$-"!R;W=S<&%N/3-$,2!S='EL
M93TS1'=I9'1H.C$P,G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3`R<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C8N-7!T.V-O;&]R.B,P
M,#`P,#`[)R`^1F]R('1H92!.:6YE($UO;G1H<R!%;F1E9#PO9F]N=#X\+W1D
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M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HX."XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z.#@N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS
M1#$@<W1Y;&4],T1W:61T:#HQ,#AP=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P.'!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV
M+C5P=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E<B`S,"P\+V9O;G0^/"]T
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M=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`R<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C8N-7!T.V-O;&]R.B,P,#`P,#`[)R`^4V5P=&5M8F5R(#,P+#PO9F]N
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M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HX."XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.#@N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P
M=#MC;VQO<CHC,#`P,#`P.R<@/DEN8V]M92!3=&%T96UE;G0\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#0@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#)P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P,G!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV
M+C5P=#MC;VQO<CHC,#`P,#`P.R<@/D%M;W5N=#PO9F]N=#X\+W1D/CQT9"!S
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M,2!S='EL93TS1'=I9'1H.C$P,G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`R<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C8N-7!T
M.V-O;&]R.B,P,#`P,#`[)R`^06UO=6YT/"]F;VYT/CPO=&0^/"]T<CX\='(@
M/CQT9"!C;VQS<&%N/3-$,R!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$U
M,BXR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$U,BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MC;VQO<CHC,#`P
M,#`P.R<@/D1E<V-R:7!T:6]N("`H/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[9F]N
M="US='EL93II=&%L:6,[8V]L;W(Z(S`P,#`P,#LG(#Y-:6QL:6]N<SPO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C8N-7!T.V-O;&]R.B,P,#`P,#`[)R`^*3PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HX."XU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z.#@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MC
M;VQO<CHC,#`P,#`P.R<@/DQI;F4@271E;3PO9F]N=#X\+W1D/CQT9"!S='EL
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M-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D(&-O
M;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-3%P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-3%P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-BXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$S/"]F;VYT
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M86X[9F]N="US:7IE.C8N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XR,#$T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C9P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE
M/3-$=VED=&@Z-3%P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-3%P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XR,#$S/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N
M/3-$,R!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C$U,BXR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$U,BXR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HV+C5P=#MC;VQO<CHC,#`P,#`P.R<@/D%V86EL86)L92UF
M;W(M<V%L92!S96-U<FET:65S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C@X+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HX
M."XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-G!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
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M<R!.97<@4F]M86X[9F]N="US:7IE.C8N-7!T.V-O;&]R.B,P,#`P,#`[)R`^
M3F5T(&=A:6X@:6X@04]#22!R96-L87-S:69I8V%T:6]N<R!F;W(@<')E=FEO
M=7-L>2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT
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M:#HT-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T
M9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q+C(U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C$R.2XW-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$R.2XW-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HV+C5P=#MC;VQO<CHC,#`P,#`P.R<@/G5N<F5A;&EZ960@;F5T("!G
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M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[8V]L;W(Z(S`P
M,#`P,#LG(#Y/=&AE<B!N;VXM:6YT97)E<W0@<F5V96YU97,\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C8N-7!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@*#(Q*3PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C8N-7!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0U<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C8N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("@S-BD\+V9O;G0^/"]T9#X\
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M9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^("@Q,3$I/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z-BXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#$P.2D\+V9O;G0^/"]T9#X\
M+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^
M/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T
M:#HQ-#%P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ-#%P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y296QA=&5D(&EN8V]M92!T87@@97AP96YS93PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HX."XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z.#@N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MC;VQO<CHC,#`P
M,#`P.R<@/DEN8V]M92!T87@@<')O=FES:6]N/"]F;VYT/CPO=&0^/'1D('-T
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M;VYT+7-I>F4Z-BXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B`X(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT
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M.B,P,#`P,#`[)R`^(#$S(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV
M+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#0P(#PO
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C8N-7!T.V-O;&]R.B,P,#`P,#`[
M)R`^(#0P(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T
M:#HQ,2XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$Q+C(U<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$,B!R;W=S
M<&%N/3-$,2!S='EL93TS1'=I9'1H.C$T,7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$T,7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV
M+C5P=#MC;VQO<CHC,#`P,#`P.R<@/E)E8VQA<W-I9FEC871I;VX@=&\@;F5T
M(&EN8V]M92!R96QA=&5D('1O("`@("`@(#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HX."XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z.#@N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\
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M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
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M.B,P,#`P,#`[)R`^879A:6QA8FQE+69O<BUS86QE('-E8W5R:71I97,\+V9O
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M<CHC,#`P,#`P.R<@/B`H,3,I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
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M+7-I>F4Z-BXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#(S*3PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW
M:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^("@W,2D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HV+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`H-CDI/"]F;VYT/CPO
M=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,R!R;W=S<&%N/3-$,2!S='EL
M93TS1'=I9'1H.C$U,BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C$U,BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MC;VQO
M<CHC,#`P,#`P.R<@/D9O<F5I9VX@8W5R<F5N8WD@=')A;G-L871I;VX@861J
M=7-T;65N=',\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.#@N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@X+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
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M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HV+C5P=#MC;VQO<CHC,#`P,#`P.R<@/E)E8VQA<W-I9FEC
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M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T
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M.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HQ
M,CDN-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,CDN-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[8V]L;W(Z(S`P,#`P
M,#LG(#X@=')A;G-L871I;VX@861J=7-T;65N=',@86YD("!R96QA=&5D(&AE
M9&=E<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HX."XU<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.#@N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HV+C5P=#MC;VQO<CHC,#`P,#`P.R<@/D]T:&5R(&5X<&5N<V5S(#PO
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C8N-7!T.V-O;&]R.B,P,#`P,#`[
M)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P
M=#MC;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/'1D
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M86X[9F]N="US:7IE.C8N-7!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#X@."`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MC
M;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/"]T<CX\
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M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C8N-7!T.V-O;&]R.B,P,#`P,#`[
M)R`^4F5L871E9"!I;F-O;64@=&%X(&5X<&5N<V4\+V9O;G0^/"]T9#X\=&0@
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M(S`P,#`P,#LG(#Y);F-O;64@=&%X('!R;W9I<VEO;CPO9F]N=#X\+W1D/CQT
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M;W(Z(S`P,#`P,#LG(#X@(#$@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
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M+7-I>F4Z-BXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@)B,X,C$S.R`@(#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^("@S*3PO9F]N=#X\+W1D/CQT9"!S
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M86X[9F]N="US:7IE.C8N-7!T.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL@
M("`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$N
M,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HQ,2XR-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@
M<W1Y;&4],T1W:61T:#HQ-#%P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ-#%P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y296-L87-S:69I8V%T:6]N(&]F(&9O<F5I9VX@8W5R<F5N
M8WD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z.#@N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C@X+C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
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M=VED=&@Z-#5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED
M=&@Z,3$N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M8VL[;6EN+7=I9'1H.C$R.2XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MC;VQO<CHC
M,#`P,#`P.R<@/B!T<F%N<VQA=&EO;B!A9&IU<W1M96YT<SPO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HX."XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z.#@N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HV+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M("`Q(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L
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M.B,P,#`P,#`[)R`^("8C.#(Q,SL@("`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
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M;VYT+7-I>F4Z-BXU<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B`@-2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MC
M;VQO<CHC,#`P,#`P.R<@/B`F(S@R,3,[("`@/"]F;VYT/CPO=&0^/"]T<CX\
M='(@/CQT9"!C;VQS<&%N/3-$,R!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H
M.C$U,BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$U,BXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P\+V9O;G0^/"]T9#X\=&0@
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M<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^("@Q,BD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HV+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HV+C5P=#MC;VQO<CHC,#`P,#`P.R<@/B`H,C,I/"]F;VYT/CPO=&0^/'1D
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M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-#5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[9F]N="UW96EG
M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`H-C8I/"]F;VYT/CPO=&0^/'1D
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M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z-BXU<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z-BXU<'0[8V]L;W(Z(S`P,#`P,#LG(#X@*#8Y*3PO9F]N
M=#X\+W1D/CPO='(^/"]T86)L93X\+V1I=CX\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL
M/@T*#0HM+2TM+2T]7TYE>'1087)T7SAC8S9C965C7S0Y,&)?-#)F.5\X,F0P
M7S9A,C,Q,68W-S`Y80T*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X
M8V,V8V5E8U\T.3!B7S0R9CE?.#)D,%\V83(S,3%F-S<P.6$O5V]R:W-H965T
M<R]3:&5E=#,V+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U
M;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R
M<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!
M(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT
M;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C
M<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM
M96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@
M8VQA<W,],T1R97!O<G0@:60],T1)1#!%344^#0H@("`@("`\='(^#0H@("`@
M("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS
M=')O;F<^16%R;FEN9W,@4&5R($-O;6UO;B!3:&%R92`H15!3*2`H5&%B;&5S
M*3QB<CX\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C
M;VQS<&%N/3-$,3XY($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R
M,#$T/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R
M;VYG/D5A<FYI;F=S(%!E<B!3:&%R92!296-O;F-I;&EA=&EO;B!;06)S=')A
M8W1=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y#;VUP=71A=&EO;B!O9B!B87-I8R!A;F0@9&EL=71E9"!%4%,\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\9&EV/CQP('-T>6QE/3-$=&5X
M="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z.7!T.VUA<F=I;BUB;W1T;VTZ
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M,7!T.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/G=E<F4@87,F(S$V,#MF
M;VQL;W=S.B`\+V9O;G0^/"]P/CPO9&EV/CQP('-T>6QE/3-$;&EN92UH96EG
M:'0Z,C!P=#L@+SX\9&EV/CQT86)L92!S='EL93TS1&)O<F1E<BUC;VQL87!S
M93IC;VQL87!S93L@/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(U-"XR-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U
M-"XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^
M/"]T9#X\=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T
M:#HY,BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z.3(N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/E1H<F5E($UO;G1H<R!%;F1E9#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C,N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$-2!R;W=S
M<&%N/3-$,2!S='EL93TS1'=I9'1H.CDR+C(U<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HY,BXR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^3FEN92!-;VYT:',@16YD960\+V9O
M;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C(U-"XR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C(U-"XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#4@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HY,BXR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N
M=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.3(N,C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E<B`S,"P\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T
M9#X\=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HY
M,BXR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z.3(N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/E-E<'1E;6)E<B`S,"P\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D
M(&-O;'-P86X],T0U(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,C@T+C(U
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,C@T+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="US='EL93II=&%L
M:6,[8V]L;W(Z(S`P,#`P,#LG(#XH36EL;&EO;G,L(&5X8V5P="!P97(@<VAA
M<F4@86UO=6YT<RD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,RXW-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@
M<W1Y;&4],T1W:61T:#HT-"XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-"XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,RXW-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HT-"XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT-"XR-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$T
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,RXW-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^/"]T9#X\+W1R/CQT<B`^
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M;VQO<CHC,#`P,#`P.R<@/DYU;65R871O<CH\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HS-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/"]T9#X\+W1R/CQT<B`^/'1D
M('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!C;VQS<&%N
M/3-$-"!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C(W-BXW-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(W-BXW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^0F%S:6,@86YD
M(&1I;'5T960Z/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,RXW-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z,RXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,N-S5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z,RXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C,N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,RXW-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,N-S5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CPO=&0^/"]T<CX\
M='(@/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D(&-O;'-P86X]
M,T0S(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,C8Y+C(U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C8Y+C(U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@:6YC;VUE
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,RXW-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,N-S5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
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M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ+#,V-CPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C0L-#,X/"]F;VYT/CPO=&0^
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M<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
M-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
M/C0L,#4Q/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
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M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y%87)N:6YG<R!A;&QO8V%T960@=&\@
M<&%R=&EC:7!A=&EN9R!S:&%R92!A=V%R9',\+V9O;G0^/'-U<#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XH82D\+V9O;G0^/"]S=7`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS-RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^*#$Q*3PO9F]N=#X\+W1D
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M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^*#$R*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C,N-S5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^*#,U*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS
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M:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^*#,V*3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
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M93TS1'=I9'1H.C(V.2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C(V.2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^3F5T(&EN8V]M92!A='1R:6)U=&%B;&4@=&\@8V]M
M;6]N('-H87)E:&]L9&5R<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C,N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS
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M.V-O;&]R.B,P,#`P,#`[)R`^,2PT-C8\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV+C<U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,2PS-30\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,N-S5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XT
M+#0P,SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M
M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z,S<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XT+#`Q-3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\
M=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR.#0N
M,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HR.#0N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^1&5N;VUI;F%T;W(Z/"]F;VYT/CQS=7`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^("AA*3PO9F]N=#X\+W-U<#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C,W+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C,W+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
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M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y"
M87-I8SH@5V5I9VAT960M879E<F%G92!C;VUM;VX@<W1O8VL\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,2PP-#$\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/C$L,#<T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,RXW
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M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XQ+#`U,3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,2PP.#<\+V9O;G0^/"]T
M9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+6)O
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M0FQA8VL[;6EN+7=I9'1H.C(W-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^061D.B!796EG:'1E9"UA=F5R86=E('-T;V-K(&]P=&EO
M;G,@/"]F;VYT/CQS=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M*&(I/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,RXW-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C,N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N
M-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/C8\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C<\+V9O;G0^/"]T
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M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C8\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI
M9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB
M;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/C<\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T
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M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(W-BXW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^1&EL=71E9#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ+#`T-SPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C,W+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^,2PP.#$\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HS+C<U<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C,N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS
M-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/C$L,#4W/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,RXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C,N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ+#`Y-#PO9F]N
M=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
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M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N-S5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS+C<U<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C,N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N
M-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,W+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
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M=#MC;VQO<CHC,#`P,#`P.R<@/D)A<VEC($504SPO9F]N=#X\+W1D/CQT9"!S
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M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HS-RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C,W+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,2XT,3PO9F]N=#X\+W1D
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M;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M,S<N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
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M9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS-RXU<'0[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C,W
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^-"XQ.3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C,N
M-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HS+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,S<N-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XS+C8Y/"]F;VYT/CPO=&0^/"]T
M<CX\='(@/CQT9"!C;VQS<&%N/3-$-2!R;W=S<&%N/3-$,2!S='EL93TS1'=I
M9'1H.C(X-"XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C(X-"XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^1&EL=71E9"!%4%,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HS+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z,S<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C$N-#`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C,W+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^,2XR-3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C,N-S5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z,S<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HS-RXU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C0N,3<\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HS+C<U<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,RXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C,W+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,S<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^,RXV-SPO9F]N=#X\+W1D/CPO='(^/"]T86)L93X\+V1I
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M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^(&%N>2!D
M:79I9&5N9',@<&%I9"!O<B!O=V5D(&]N('!A<G1I8VEP871I;F<@<V5C=7)I
M=&EE<R!A;F0@86YY('5N9&ES=')I8G5T960@96%R;FEN9W,@8V]N<VED97)E
M9"!T;R!B92!A='1R:6)U=&$\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^8FQE('1O
M('!A<G1I8VEP871I;F<@<V5C=7)I=&EE<RX@5&AE(')E;&%T960@<&%R=&EC
M:7!A=&EN9R!S96-U<FET:65S(&%R92!S:6UI;&%R;'D@97AC;'5D960@9G)O
M;2`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^=&AE(&1E;F]M:6YA=&]R+CPO9F]N
M=#X\+VQI/CQL:2!S='EL93TS1&QI<W0M<W1Y;&4Z;&]W97(M86QP:&$[=&5X
M="UA;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ
M,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HX<'0[)R`^5&AE(&1I;'5T:79E(&5F9F5C="!O9B!U
M;F5X93PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#YR8VES960@<W1O8VL@;W!T:6]N
M<R!E>&-L=61E<R`P+C(@;6EL;&EO;B!A;F0@,"XQ(&UI;&QI;VX@;V8@;W!T
M:6]N<R!F<F]M('1H92!C;VUP=71A=&EO;B!O9B!%4%,@9F]R(#PO9F]N=#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.CAP=#LG(#YT:&4@/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/G1H<F5E
M(&UO;G1H<R!E;F1E9"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^4V5P=&5M8F5R
M(#,P/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/BP@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.R<@/C(P,30\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^(&%N9"`\+V9O;G0^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HX<'0[)R`^,C`Q,SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#XL(')E<W!E
M8W1I=F5L>2P\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^(&%N9"`P+C(@;6EL;&EO
M;B!O<'1I;VYS(&9O<B`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^8F]T:"`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[)R`^=&AE(&YI;F4@;6]N=&AS(&5N9&5D(#PO9F]N
M=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.CAP=#LG(#Y397!T96UB97(@,S`\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[)R`^+"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^,C`Q-#PO9F]N=#X\9F]N
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M>'0M86QI9VXZ:G5S=&EF>3ML:6YE+6AE:6=H=#HQ,G!T.R`^/"]P/CPO9&EV
M/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A8FQE
M/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?.&-C
M-F-E96-?-#DP8E\T,F8Y7S@R9#!?-F$R,S$Q9C<W,#EA#0I#;VYT96YT+4QO
M8V%T:6]N.B!F:6QE.B\O+T,Z+SAC8S9C965C7S0Y,&)?-#)F.5\X,F0P7S9A
M,C,Q,68W-S`Y82]7;W)K<VAE971S+U-H965T,S<N:'1M;`T*0V]N=&5N="U4
M<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N="U4
M>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M;#X-
M"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP
M92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP
M="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@
M3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@
M(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$,$4Q
M04%#/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS
M<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG/DYO;BU);G1E<F5S="!2979E
M;G5E(&%N9"!%>'!E;G-E($1E=&%I;"`H5&%B;&5S*3QB<CX\+W-T<F]N9SX\
M+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,3XY($UO
M;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*("`@
M("`@("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$T/&)R/CPO=&@^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D]T:&5R($-O<W0@
M06YD($5X<&5N<V4@1&ES8VQO<W5R92!/<&5R871I;F<@*%1A8FQE<RD@6T%B
M<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^1&5T86EL<R!O9B!O=&AE<B!C;VUM:7-S:6]N<R!A;F0@9F5E<SPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQD:78^/'`@<W1Y;&4]
M,T1T97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HY<'0[;6%R9VEN+6)O
M='1O;3HV<'0[;&EN92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G
M:6XM;&5F=#HP<'0[)R`^5&AE(&9O;&QO=VEN9R!I<R!A(&1E=&$\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,7!T.R<@/FEL(&]F($\\+V9O;G0^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@
M/G1H97(@8V]M;6ES<VEO;G,@86YD(&9E97,\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.R<@/CH@/"]F;VYT/CPO<#X\+V1I=CX\<"!S='EL93TS1&QI;F4M:&5I9VAT
M.C(P<'0[("\^/&1I=CX\=&%B;&4@<W1Y;&4],T1B;W)D97(M8V]L;&%P<V4Z
M8V]L;&%P<V4[(#X\='(@/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C(S-BXR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(S-BXR-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0T(')O=W-P86X],T0Q('-T>6QE
M/3-$=VED=&@Z.39P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.CDV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y4:')E92!-;VYT:',@16YD960\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CPO=&0^/'1D(&-O;'-P86X],T0T(')O=W-P86X],T0Q('-T>6QE/3-$
M=VED=&@Z.39P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.CDV<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y.:6YE($UO;G1H<R!%;F1E9#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@
M<W1Y;&4],T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,"XU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M.D)L86-K.VUI;BUW:61T:#HY-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^4V5P=&5M8F5R(#,P+#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#0@<F]W<W!A;CTS1#$@
M<W1Y;&4],T1W:61T:#HY-G!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z.39P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E<B`S,"P\+V9O;G0^/"]T9#X\+W1R
M/CQT<B`^/'1D(&-O;'-P86X],T0S(')O=W-P86X],T0Q('-T>6QE/3-$=VED
M=&@Z,C4W+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,C4W+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="US
M='EL93II=&%L:6,[8V]L;W(Z(S`P,#`P,#LG(#XH36EL;&EO;G,I/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D(&-O
M;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-#@N-S5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#@N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
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M;W(Z(S`P,#`P,#LG(#XR,#$S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
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M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@8V]L
M<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HT."XW-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M."XW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,SPO
M9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#,@<F]W<W!A;CTS
M1#$@<W1Y;&4],T1W:61T:#HR-3<N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-3<N,C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/D9O<F5I9VX@8W5R<F5N8WD@8V]N=F5R<VEO
M;B!F964@<F5V96YU93PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^(#(R-2`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^(#(R,R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
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M="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#X@-C8U(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#X@-C4U(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L
M<W!A;CTS1#,@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR-3<N,C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR
M-3<N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/D1E;&EN
M<75E;F-Y(&9E97,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#$X
M-"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T
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M;VQO<CHC,#`P,#`P.R<@/B`Q-S(@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-G!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#X@-3,Y(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#4P,R`\+V9O;G0^/"]T9#X\
M+W1R/CQT<B`^/'1D(&-O;'-P86X],T0S(')O=W-P86X],T0Q('-T>6QE/3-$
M=VED=&@Z,C4W+C(U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,C4W+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#Y,;WEA;'1Y(%!A<G1N97(M<F5L871E9"!F965S/"]F;VYT
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M:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`Q,#`@/"]F;VYT/CPO=&0^/'1D
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M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@
M-S0@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,C@V(#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^(#(R,2`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P
M86X],T0S(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,C4W+C(U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4W
M+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y397)V:6-E
M(&9E97,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
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M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#DT(#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^(#DW(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M(#(W-"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
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M=#MC;VQO<CHC,#`P,#`P.R<@/B`R-S,@/"]F;VYT/CPO=&0^/"]T<CX\='(@
M/CQT9"!C;VQS<&%N/3-$,R!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C(U
M-RXR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C(U-RXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^3W1H97(\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XH82D\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D
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M,#`P,#`[)R`^(#,Y(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#0T(#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y
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M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#$R,"`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M,#`P,#`P.R<@/B`Q,S8@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL
M93TS1'=I9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$
M,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C(T-BXW-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(T-BXW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P@3W1H97(@
M8V]M;6ES<VEO;G,@86YD(&9E97,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q
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M9#MC;VQO<CHC,#`P,#`P.R<@/B`V-#(@/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`V,3`@/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#$L.#@T
M(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
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M(S`P,#`P,#LG(#X@,2PW.#@@/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S
M='EL93TS1'=I9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HQ,"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(S-BXR
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HR
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C(S-BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C([=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T
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M<F1E<BUT;W`M=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,CMT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N
M,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M
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M1'1E>'0M86QI9VXZ:G5S=&EF>3ML:6YE+6AE:6=H=#HQ,G!T.R`^/"]P/CQU
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M86QI9VXZ:G5S=&EF>3ML:6YE+6AE:6=H=#HQ,G!T.R`^/"]P/CPO9&EV/CQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M1&5T86EL<R!O9B!O=&AE<B!R979E;G5E<SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQD:78^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I
M9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HV<'0[;&EN92UH96EG
M:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F=#HP<'0[)R`^5&AE
M(&9O;&QO=VEN9R!I<R!A(&1E=&%I;"!O9B`\+V9O;G0^/&9O;G0@<W1Y;&4]
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M9'1H.C$P+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HQ,"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C$P+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,"XU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(S-BXR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(S-BXR-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL
M93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@8V]L
M<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#0N,C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P
M-"XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^5&AR964@
M36]N=&AS($5N9&5D/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P
M=#L@/CPO=&0^/'1D(&-O;'-P86X],T0U(')O=W-P86X],T0Q('-T>6QE/3-$
M=VED=&@Z,3`T+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIC96YT97([8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,#0N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/DYI;F4@36]N=&AS($5N9&5D/"]F;VYT/CPO=&0^/"]T<CX\
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M;W(Z0FQA8VL[;6EN+7=I9'1H.C(S-BXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#4@<F]W<W!A
M;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#0N,C5P=#MB;W)D97(M8F]T=&]M+7-T
M>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.F-E
M;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P-"XR-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^4V5P=&5M8F5R(#,P+#PO
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M:6XM=VED=&@Z,3`T+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y397!T96UB97(@,S`L/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C
M;VQS<&%N/3-$,R!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C(U-RXR-7!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C(U-RXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M<W1Y;&4Z:71A;&EC
M.V-O;&]R.B,P,#`P,#`[)R`^*$UI;&QI;VYS*3PO9F]N=#X\+W1D/CQT9"!S
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M="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/C(P,30\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T
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M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
M/C(P,3,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@
M/CPO=&0^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED
M=&@Z-#@N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#@N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,C`Q-#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C9P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!C;VQS<&%N/3-$,B!R;W=S
M<&%N/3-$,2!S='EL93TS1'=I9'1H.C0Y+C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#DN-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\+W1D/CPO='(^
M/'1R(#X\=&0@8V]L<W!A;CTS1#,@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T
M:#HR-3<N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HR-3<N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/D=L;V)A;"!.971W;W)K(%-E<G9I8V5S('!A<G1N97(@<F5V96YU97,\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`Q-S,@/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0R<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0R
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,3<Q(#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`U,3,@/"]F;VYT/CPO
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#)P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#)P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`T-C8@/"]F;VYT/CPO
M=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,R!R;W=S<&%N/3-$,2!S='EL
M93TS1'=I9'1H.C(U-RXR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C(U-RXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^3F5T(')E86QI>F5D(&=A:6YS(&%N9"!L;W-S97,@
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M,#`P,#`P.R<@/B`R,"`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#)P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#)P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B`S-R`\+V9O;G0^/"]T9#X\=&0@<W1Y
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M<CHC,#`P,#`P.R<@/B`Q,#`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
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M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,3`R(#PO9F]N=#X\+W1D/CPO
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M<CHC,#`P,#`P.R<@/D]T:&5R/"]F;VYT/CQS=7`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^*&$I/"]F;VYT/CPO<W5P/CPO=&0^/'1D('-T>6QE
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M;VQO<CHC,#`P,#`P.R<@/B`T,#`@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@,SDS(#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
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M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#$L,#8V(#PO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT,G!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT,G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^(#$L,3,W(#PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@<W1Y
M;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS
M1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR-#8N-S5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-#8N-S5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E1O=&%L($]T:&5R
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M="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XU.3,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT,G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[
M8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,G!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^-C`Q/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-G!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O
M;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N
M,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^,2PV-SD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M
M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,G!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,G!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,2PW,#4\+V9O;G0^/"]T9#X\
M+W1R/CPO=&%B;&4^/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T
M.R`O/CQD:78^/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;&EN92UH
M96EG:'0Z,3)P=#L@/CPO<#X\=6P^/&QI('-T>6QE/3-$;&ES="US='EL93IL
M;W=E<BUA;'!H83MT97AT+6%L:6=N.FIU<W1I9GD[;6%R9VEN+71O<#HV<'0[
M;6%R9VEN+6)O='1O;3HR<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#Y/=&AE<B`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HX<'0[)R`^:6YC;'5D93PO9F]N=#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG
M(#YS/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/B!R979E;G5E<R!A<FES:6YG(&9R
M;VT\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^(&9O<F5I9VX@97AC:&%N9V4@9V%I
M;G,@;VX@8W)O<W,M8F]R9&5R($-A<F0@365M8F5R('-P96YD:6YG+"!M97)C
M:&%N="UR96QA=&5D(&9E97,L(#PO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.CAP=#LG(#YI;G-U
M<F%N8V4@<')E;6EU;7,@96%R;F5D(&9R;VT@/"]F;VYT/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T
M.R<@/D-A<F0@365M8F5R/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/B!T<F%V96P@
M86YD(&]T:&5R(&EN<W5R86YC92!P<F]G<F%M<RP@/"]F;VYT/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M.'!T.R<@/E1R879E;&5R<R`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^0VAE<75E
M<SPO9F]N=#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.CAP=#LG(#XM<F5L871E9"!R979E;G5E<RP@<F5V
M96YU97,@<F5L871E9"`\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^=&\@=&AE($="
M5"!*5B!T<F%N<VET:6]N('-E<G9I8V5S(&%G<F5E;65N="P@96%R;FEN9W,@
M9G)O;2!E<75I='D@;65T:&]D(&EN=F5S=&UE;G1S(&%N9"!O=&AE<B!M:7-C
M96QL86YE;W5S(')E=F5N=64@86YD(&9E97,N(#PO9F]N=#X\+VQI/CPO=6P^
M/'`@<W1Y;&4],T1T97AT+6%L:6=N.FIU<W1I9GD[;&EN92UH96EG:'0Z,3)P
M=#L@/CPO<#X\+V1I=CX\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/D1E=&%I;"!O9B!M87)K971I;F<L('!R;VUO=&EO
M;BP@<F5W87)D<R!A;F0@0V%R9"!-96UB97(@<V5R=FEC97,\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\9&EV/CQP('-T>6QE/3-$=&5X="UA
M;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ-G!T
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M;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B!A;F0@;W1H97(Z(#PO9F]N=#X\+W`^
M/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O/CQD:78^/'1A
M8FQE('-T>6QE/3-$8F]R9&5R+6-O;&QA<'-E.F-O;&QA<'-E.R`^/'1R(#X\
M=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HQ,"XU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M
M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z,3`N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR
M,S8N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HR,S8N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@
M/CPO=&0^/'1D(&-O;'-P86X],T0U(')O=W-P86X],T0Q('-T>6QE/3-$=VED
M=&@Z,3`S+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C$P,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y4:')E92!-;VYT:',@16YD960\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS
M1#$@<W1Y;&4],T1W:61T:#HQ,#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`S+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/DYI;F4@36]N=&AS($5N9&5D/"]F;VYT/CPO
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M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(S-BXR-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS
M1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#,N-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`S
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E
M<B`S,"P\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^
M/"]T9#X\=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T
M:#HQ,#,N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z,3`S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/E-E<'1E;6)E<B`S,"P\+V9O;G0^/"]T9#X\+W1R/CQT<B`^
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M=&%L:6,[8V]L;W(Z(S`P,#`P,#LG(#XH36EL;&EO;G,I/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D(&-O;'-P86X]
M,T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-#@N-S5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#@N-S5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^,C`Q-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XR,#$S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T
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M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS
M1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HT."XW-7!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT."XW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\
M+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#,@<F]W<W!A;CTS1#$@<W1Y
M;&4],T1W:61T:#HR-3<N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HR-3<N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/DUA<FME=&EN9R!A;F0@<')O;6]T:6]N/"]F;VYT/CPO
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M8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R
M+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@.#`Y(#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@.#(W(#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D
M97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW
M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B`R+#0P-R`\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^(#(L,C,T(#PO
M9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#,@<F]W<W!A;CTS
M1#$@<W1Y;&4],T1W:61T:#HR-3<N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-3<N,C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/D-A<F0@365M8F5R(')E=V%R9',\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#$N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E
M:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#$L-CDU(#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^(#$L-C$Y(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#4L
M,#4P(#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^(#0L-S0P(#PO9F]N=#X\+W1D/CPO='(^/'1R
M(#X\=&0@8V]L<W!A;CTS1#,@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR
M-3<N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HR-3<N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/D-A<F0@365M8F5R('-E<G9I8V5S(&%N9"!O=&AE<CPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M
M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#X@,C`U(#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT,2XR-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^(#$Y-R`\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q+C(U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/B`V,3D@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T
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M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#X@-3<Y(#PO9F]N=#X\
M+W1D/CPO='(^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,"XU<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`N-7!T.R`^
M/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T
M:#HR-#8N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HR-#8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/E1O=&%L($UA<FME=&EN9RP@<')O;6]T:6]N+"!R97=A<F1S+"!#87)D
M($UE;6)E<B!S97)V:6-E<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P
M+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I
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M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^86YD(&]T:&5R/"]F
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M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ
M<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#X@,BPW,#D@/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+6)O
M='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C(L-C0S/"]F;VYT/CPO=&0^/'1D
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M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^(#@L,#<V(#PO
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M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0Q+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XW+#4U,SPO9F]N=#X\+W1D/CPO='(^/"]T86)L93X\
M+V1I=CX\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/D1E=&%I;"!O9B!O=&AE<BP@;F5T(&5X<&5N<V4\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\9&EV/CQP('-T>6QE/3-$=&5X="UA
M;&EG;CIJ=7-T:69Y.VUA<F=I;BUT;W`Z,'!T.VUA<F=I;BUB;W1T;VTZ-G!T
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M(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T
M.R<@/F5X<&5N<V5S/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#LG(#XZ(#PO9F]N=#X\
M+W`^/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE:6=H=#HR,'!T.R`O/CQD:78^
M/'1A8FQE('-T>6QE/3-$8F]R9&5R+6-O;&QA<'-E.F-O;&QA<'-E.R`^/'1R
M(#X\=&0@<W1Y;&4],T1W:61T:#HR-3<N,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-3<N,C5P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D(&-O;'-P86X],T0U(')O
M=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3`S+C5P=#MB;W)D97(M=&]P+7-T
M>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.F-E;G1E
M<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P,RXU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y4:')E92!-;VYT:',@16YD960\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
M8V]L<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#,N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,3`S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/DYI;F4@
M36]N=&AS($5N9&5D/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS
M1'=I9'1H.C(U-RXR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C(U-RXR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#4@<F]W<W!A;CTS
M1#$@<W1Y;&4],T1W:61T:#HQ,#,N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ8V5N=&5R
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`S+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E-E<'1E;6)E<B`S,"P\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@8V]L
M<W!A;CTS1#4@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#,N-7!T.V)O
M<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ
M.W1E>'0M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3`S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E-E
M<'1E;6)E<B`S,"P\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$
M=VED=&@Z,C4W+C(U<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D
M97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z,C4W+C(U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N
M="US='EL93II=&%L:6,[8V]L;W(Z(S`P,#`P,#LG(#XH36EL;&EO;G,I/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D
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M9#MC;VQO<CHC,#`P,#`P.R<@/C(P,30\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W<W!A;CTS
M1#$@<W1Y;&4],T1W:61T:#HT."XW-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L
M:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L
M:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT."XW-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^,C`Q,SPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@8V]L<W!A;CTS1#(@<F]W
M<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HT."XW-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT."XW-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR
M,#$T/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUT
M;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^
M/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z-#@N
M-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#@N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
M/C(P,3,\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z
M,C4W+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,C4W+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#Y0<F]F97-S:6]N86P@<V5R=FEC97,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P
M,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO
M<CHC,#`P,#`P.R<@/C<S,3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XW.3,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
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M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XR+#(T,#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0Q+C(U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XR+#(W,CPO9F]N=#X\+W1D/CPO='(^/'1R(#X\
M=&0@<W1Y;&4],T1W:61T:#HR-3<N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-3<N,C5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/D]C8W5P86YC>2!A;F0@97%U:7!M96YT
M/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XT,S(\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#$N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/C0V,CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,2PS
M-C$\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T
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M;VQO<CHC,#`P,#`P.R<@/C$L,SDT/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT
M9"!S='EL93TS1'=I9'1H.C(U-RXR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U-RXR-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^0V%R9"UR96QA=&5D(&9R875D(&QO<W-E
M<SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XY-CPO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^-S,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA
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M<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/C(X,CPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^,C(Y/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS
M1'=I9'1H.C(U-RXR-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C(U-RXR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^0V]M;75N:6-A=&EO;G,\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
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M;VQO<CHC,#`P,#`P.R<@/CDQ/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
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M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XY-#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M;VQD.V-O;&]R.B,P,#`P,#`[)R`^,C@U/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XR.#(\+V9O
M;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,C4W+C(U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,C4W+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.
M97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y'86EN
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M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B@Q-2D\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-#$N,C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/B`F(S@R,3,[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T
M.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XH
M-C0Q*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT,2XR-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^("8C.#(Q,SL\+V9O;G0^/"]T9#X\+W1R/CQT
M<B`^/'1D('-T>6QE/3-$=VED=&@Z,C4W+C(U<'0[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C4W+C(U<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y/=&AE<CPO9F]N=#X\<W5P
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/BAA*3PO9F]N=#X\+W-U
M<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
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M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,C8Q/"]F;VYT
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M;W(Z(S`P,#`P,#LG(#XR-CD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M,#`P,#`P.R<@/C@V-CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR-7!T.V)O<F1E<BUB;W1T
M;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,2XR-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^-S,T/"]F;VYT/CPO
M=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C(U-RXR-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(U-RXR
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P@3W1H
M97(L(&YE=#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V
M,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0Q+C(U<'0[8F]R
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M,#`P,#`P.R<@/C$L-3DV/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
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M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE
M.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE
M.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C$L-CDQ/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-G!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[
M8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-#$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-#$N,C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^-"PS.3,\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,2XR
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HR.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M-"PY,3$\+V9O;G0^/"]T9#X\+W1R/CPO=&%B;&4^/"]D:78^/'`@<W1Y;&4]
M,T1L:6YE+6AE:6=H=#HR,'!T.R`O/CQD:78^/'`@<W1Y;&4],T1T97AT+6%L
M:6=N.FIU<W1I9GD[;&EN92UH96EG:'0Z,3,N.'!T.R`^/"]P/CQU;#X\;&D@
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M<'0[)R`^9&5S(&=E;F5R86P@;W!E<F%T:6YG(&5X<&5N<V5S+"`\+V9O;G0^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HX<'0[)R`^9V%I;G,@*&QO<W-E<RD@;VX@<V%L92!O9B!A<W-E
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M(#YI;G1E<FYA;"!A;F0@<F5G=6QA=&]R>2`\+V9O;G0^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[
M)R`^<F5V:65W+7)E;&%T960@<F5I;6)U<G-E;65N=',@86YD(&EN<W5R86YC
M92!C;W-T<R!O<B!S971T;&5M96YT<RP@:6YV97-T;65N="!I;7!A:7)M96YT
M<R!A;F0@8V5R=&%I;B!,;WEA;'1Y(%!A<G1N97(\+V9O;G0^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX
M<'0[)R`^+7)E;&%T960\+V9O;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HX<'0[)R`^(&5X<&5N<V5S
M/"]F;VYT/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z.'!T.R<@/BX\+V9O;G0^/"]L:3X\+W5L/CPO9&EV
M/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A8FQE
M/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?.&-C
M-F-E96-?-#DP8E\T,F8Y7S@R9#!?-F$R,S$Q9C<W,#EA#0I#;VYT96YT+4QO
M8V%T:6]N.B!F:6QE.B\O+T,Z+SAC8S9C965C7S0Y,&)?-#)F.5\X,F0P7S9A
M,C,Q,68W-S`Y82]7;W)K<VAE971S+U-H965T,S@N:'1M;`T*0V]N=&5N="U4
M<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N="U4
M>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M;#X-
M"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP
M92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP
M="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@
M3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@
M(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$,$5-
M13X-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A
M;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY297!O<G1A8FQE($]P97)A=&EN
M9R!396=M96YT("A486)L97,I/&)R/CPO<W1R;VYG/CPO=&@^#0H@("`@("`@
M(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0Q/CD@36]N=&AS($5N9&5D/"]T
M:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S
M<STS1'1H/E-E<"X@,S`L(#(P,30\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/CQS=')O;F<^4V5G;65N="!297!O<G1I;F<L($1I<V-L
M;W-U<F4@;V8@16YT:71Y)W,@4F5P;W)T86)L92!396=M96YT<R!;06)S=')A
M8W1=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y/<&5R871I;F<@<V5G;65N="!I;F9O<FUA=&EO;CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQD:78^/'`@<W1Y;&4],T1T97AT+6%L:6=N
M.FIU<W1I9GD[;6%R9VEN+71O<#HP<'0[;6%R9VEN+6)O='1O;3HV<'0[;&EN
M92UH96EG:'0Z,3)P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3%P=#MM87)G:6XM;&5F=#HP<'0[
M)R`^5&AE(&9O;&QO=VEN9R!T86)L92!P<F5S96YT<R!C97)T86EN('-E;&5C
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M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,7!T.R<@/B`\+V9O
M;G0^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,7!T.R<@/E-E<'1E;6)E<B`S,#PO9F]N=#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$Q<'0[)R`^.CPO9F]N=#X\+W`^/"]D:78^/'`@<W1Y;&4],T1L:6YE+6AE
M:6=H=#HR,'!T.R`O/CQD:78^/'1A8FQE('-T>6QE/3-$8F]R9&5R+6-O;&QA
M<'-E.F-O;&QA<'-E.R`^/'1R(#X\=&0@<W1Y;&4],T1W:61T:#HQ,2XR-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$Q
M+C(U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C(S-"XW-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(S-"XW-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D(&-O;'-P86X]
M,T0T(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,3`Q+C(U<'0[8F]R9&5R
M+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG
M;CIC96YT97([8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ,#$N,C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E1H<F5E($UO;G1H
M<R!%;F1E9#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@8V]L
M<W!A;CTS1#0@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HQ,#$N,C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.F-E;G1E<CMB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C$P
M,2XR-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^3FEN92!-
M;VYT:',@16YD960\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$
M=VED=&@Z,3$N,C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
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M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`Q+C(U<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y397!T96UB97(@,S`L/"]F;VYT/CPO
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M86QI9VXZ8V5N=&5R.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,3`Q
M+C(U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y397!T96UB
M97(@,S`L/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R
M;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C(T-G!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(T-G!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M<W1Y;&4Z:71A;&EC.V-O;&]R.B,P,#`P,#`[)R`^
M*$UI;&QI;VYS*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M,C`Q-#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
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M=#MC;VQO<CHC,#`P,#`P.R<@/C(P,3,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/C(P,30\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T
M=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y
M;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XR,#$S/"]F;VYT/CPO=&0^/"]T
M<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I
M9'1H.C(T-G!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW
M:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C(T-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#Y.;VXM:6YT97)E<W0@<F5V96YU97,Z/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI
M9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT,RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N
M-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T
M.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E
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M<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\+W1D/CPO='(^/'1R(#X\=&0@
M8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR-#9P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR
M-#9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E530U,\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR
M:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M,RPR,30\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XS+#`U,#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#XY+#0U,SPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C@L.3DQ
M/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N
M/3-$,2!S='EL93TS1'=I9'1H.C(T-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(T-G!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^24-3/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^,2PR,#8\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,2PQ
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M;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XS+#4W,3PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T
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M;W(Z(S`P,#`P,#LG(#XS+#0Q-3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@
M8V]L<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR-#9P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR
M-#9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/D=#4SPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE
M9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
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M9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/CDU-SPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T
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M;W(Z(S`P,#`P,#LG(#XQ+#(W-SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/C,L-3,X/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
M.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C,L-S@W/"]F;VYT/CPO
M=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL
M93TS1'=I9'1H.C(T-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C(T-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^1TY-4SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N
M-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^,2PS-C@\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ+#,P.3PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
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M;VQO<CHC,#`P,#`P.R<@/C0L,#(W/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,RPX-38\
M+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X]
M,T0Q('-T>6QE/3-$=VED=&@Z,C0V<'0[8F]R9&5R+6)O='1O;2US='EL93IS
M;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C0V<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y#;W)P;W)A=&4@)F%M<#L@3W1H97(L(&EN
M8VQU9&EN9R!A9&IU<W1M96YT<R!A;F0@96QI;6EN871I;VYS/"]F;VYT/CQS
M=7`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^*&$I/"]F;VYT/CPO
M<W5P/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF
M;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT
M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,3@Y
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M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,C(Q/"]F;VYT/CPO=&0^/'1D('-T
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M=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#XU-#@\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
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M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XV
M-3`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$N
M,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,S0N-S5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HR,S0N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E1O
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M:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\
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M;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^-BPY,S0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[
M)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XW+#`Q.#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR,2PQ,S<\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T
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M(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N
M-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XR
M,"PV.3D\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z
M,3$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,S0N-S5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT
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M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT,RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N
M-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CPO=&0^
M/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS
M1'=I9'1H.C(T-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C(T-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#Y);G1E<F5S="!I;F-O;64Z/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
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M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE
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M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E530U,\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[9F]N
M="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,2PT-C4\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-#,N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XQ+#0P.#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT
M97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z
M(S`P,#`P,#LG(#XT+#(Y-CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C0L,30X/"]F;VYT/CPO
M=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL
M93TS1'=I9'1H.C(T-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C(T-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^24-3/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C
M,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^,C<S/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
M.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C(X,3PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4]
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M9#MC;VQO<CHC,#`P,#`P.R<@/C@R-3PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XX
M,S`\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R(')O=W-P
M86X],T0Q('-T>6QE/3-$=VED=&@Z,C0V<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C0V<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#Y'0U,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S
M+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#XT/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C,\+V9O
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M;&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ,3PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-#,N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XY/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R
M;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C(T-G!T.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(T-G!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^1TY-4SPO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^,30\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XX/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,S4\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XR
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M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/D-O<G!O<F%T92`F86UP.R!/=&AE<BP@
M:6YC;'5D:6YG(&%D:G5S=&UE;G1S(&%N9"!E;&EM:6YA=&EO;G,\+V9O;G0^
M/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XH82D\+V9O;G0^
M/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F
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M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XU
M.3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R+6)O='1O;2US='EL
M93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C8W/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z
M-RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P
M=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#XQ.#,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW
M+C5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XR
M,3,\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$N
M,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z
M,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED
M=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,S0N-S5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HR,S0N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E1O
M=&%L/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US
M='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US
M='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\
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M;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^,2PX,34\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[
M)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ+#<V-SPO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED
M=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM
M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD
M.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XU+#,U,#PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H
M.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C4L
M,C(S/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H.C$Q
M+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C,T+C<U<'0[
M8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C,T
M+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[
M(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y
M;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
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M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T
M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C9P=#L@/CPO=&0^/'1D
M('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB
M;W)D97(M=&]P+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#,N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y
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M;VQD.V-O;&]R.B,P,#`P,#`[)R`^26YT97)E<W0@97AP96YS93H\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
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M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
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M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
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M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(T-G!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^55-#4SPO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ-3(\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#,N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XQ-S(\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\
M9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N
M="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@
M/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^-#4U/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
M.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^-3,R/"]F;VYT/CPO=&0^/"]T<CX\
M='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H
M.C(T-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C(T-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M24-3/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P
M.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^.#4\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F
M;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^.#8\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
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M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XR-3D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q
M-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L
M:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,C<S/"]F;VYT/CPO
M=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL
M93TS1'=I9'1H.C(T-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C(T-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^1T-3/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C
M,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^-C$\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[
M)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^-3D\+V9O;G0^/"]T9#X\
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M=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[
M8V]L;W(Z(S`P,#`P,#LG(#XQ.#8\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^,3@Q
M/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N
M/3-$,2!S='EL93TS1'=I9'1H.C(T-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(T-G!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V-O;&]R.B,P,#`P,#`[)R`^1TY-4SPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R
M.B,P,#`P,#`[)R`^*#8X*3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B@V,BD\+V9O;G0^
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M:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT
M.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XH,C`X*3PO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
M/B@Q.#<I/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R
M;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C(T-G!T.V)O<F1E<BUB;W1T;VTM
M<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ
M;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(T-G!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^0V]R<&]R871E("9A;7`[($]T
M:&5R+"!I;F-L=61I;F<@861J=7-T;65N=',@86YD(&5L:6UI;F%T:6]N<SPO
M9F]N=#X\<W5P/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/BAA*3PO
M9F]N=#X\+W-U<#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V
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M9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
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M.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R9&5R+6)O='1O
M;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C(R.3PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R
M+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT,RXU<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^-C$P/"]F;VYT/CPO=&0^/'1D('-T
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M:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^-CDV/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I
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M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
M,#LG(#Y4;W1A;#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P
M=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E
M<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB
M;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/C0R,#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N
M-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF
M(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P
M=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T
M:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O
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M+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C0X-#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ+#,P,CPO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS
M1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[
M8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
M,RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H
M.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I
M;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@
M/C$L-#DU/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!S='EL93TS1'=I9'1H
M.C$Q+C(U<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,3$N,C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z,C,T+C<U
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M,C,T+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M
M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\
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M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV<'0[=&5X="UA;&EG;CIR
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M;W`M=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-#,N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P
M=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M
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M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^5&]T86P@<F5V96YU97,@;F5T(&]F
M(&EN=&5R97-T(&5X<&5N<V4Z/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
M.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-#,N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA
M;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[
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M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#,N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q
M-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA
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M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P
M,#`P.R<@/E530U,\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q
M-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC
M,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O
M;&]R.B,P,#`P,#`[)R`^-"PU,C<\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
M=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4
M:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG
M(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.W1E>'0M
M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XT+#(X-CPO9F]N
M=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4]
M,T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T
M.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ,RPR.30\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O
M;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M
M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-#,N-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XQ,BPV,#<\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O
M;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,C0V<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C0V
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y)0U,\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@
M<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ
M93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ+#,Y-#PO9F]N=#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T
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M;W(Z(S`P,#`P,#LG(#XQ+#,U-CPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C9P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW
M+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P
M.R<@/C0L,3,W/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
M.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C,L.3<R/"]F;VYT/CPO
M=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL
M93TS1'=I9'1H.C(T-G!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C(T-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^1T-3/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C
M,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA
M;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P
M=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA
M;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P
M,#`[)R`^.3`P/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T
M.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C8N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P
M.R8C,38P.SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E
M>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N
M-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG
M;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C$L,C(Q/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^,RPS-C,\+V9O;G0^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE
M/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM
M:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[
M)R`^,RPV,34\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D(&-O;'-P86X],T0R
M(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z,C0V<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z,C0V<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y'3DU3/"]F;VYT/CPO=&0^/'1D
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M:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ
M5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O
M;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ+#0U,#PO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I
M9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU
M<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S
M($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C$L
M,S<Y/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-G!T.W1E>'0M86QI
M9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV<'0[(#X\
M+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^-"PR-S`\+V9O;G0^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\
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M(S`P,#`P,#LG(#XT+#`V-CPO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L
M<W!A;CTS1#(@<F]W<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR-#9P=#MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR
M-#9P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/D-O<G!O<F%T
M92`F86UP.R!/=&AE<BP@:6YC;'5D:6YG(&%D:G5S=&UE;G1S(&%N9"!E;&EM
M:6YA=&EO;G,\+V9O;G0^/'-U<#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XH82D\+V9O;G0^/"]S=7`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV
M+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU
M<'0[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I
M9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MB
M;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z
M,3MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L
M;W(Z(S`P,#`P,#LG(#XU.#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H
M.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI
M;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T
M.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T
M:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE
M=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C4Y/"]F
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M;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XQ,C$\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\=&0@
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M;W(Z(S`P,#`P,#LG(#XQ-C<\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T
M>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O
M<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HR,S0N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E
M<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HR,S0N-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO
M<CHC,#`P,#`P.R<@/E1O=&%L/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED
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M<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT
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M.V-O;&]R.B,P,#`P,#`[)R`^."PS,CD\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P
M,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P
M+7=I9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T
M=&]M+7=I9'1H.C$[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C
M:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL
M>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P
M,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.V)O
M<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E
M<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HQ.W1E
M>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT
M,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XX+#,P,3PO
M9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P=#MT97AT+6%L:6=N.G)I
M9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF
M;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O
M;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT+6%L:6=N.G)I9VAT.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XR-2PQ.#4\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG
M;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F
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M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R
M9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R
M9&5R+6)O='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XR-"PT,C<\+V9O;G0^/"]T9#X\+W1R/CQT<B`^/'1D
M('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HQ,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HR,S0N-S5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E
M<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
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M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T
M.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$
M=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HT,RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M
M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.W1E>'0M86QI9VXZ<FEG:'0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C<N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z<V]L:60[8F]R9&5R+71O
M<"UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU
M<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[
M=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H
M.C0S+C5P=#L@/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S
M<&%N/3-$,2!S='EL93TS1'=I9'1H.C(T-G!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(T-G!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#Y.970@:6YC
M;VUE("AL;W-S*3H\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q
M-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[
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M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^
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M="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O
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M+7=I9'1H.C(T-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM
M97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^
M55-#4SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V
M,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF
M;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[
M)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P
M,#`P,#LG(#XX.#D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U
M<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@
M3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q
M-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@
M4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XW.#(\+V9O;G0^/"]T9#X\=&0@
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M9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M
M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H
M=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,BPU,S4\+V9O;G0^/"]T9#X\=&0@
M<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O
M;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T
M>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XD/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XR
M+#,R.3PO9F]N=#X\+W1D/CPO='(^/'1R(#X\=&0@8V]L<W!A;CTS1#(@<F]W
M<W!A;CTS1#$@<W1Y;&4],T1W:61T:#HR-#9P=#MT97AT+6%L:6=N.FQE9G0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR-#9P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/DE#4SPO9F]N=#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R
M.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT
M+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z
M(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4]
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M9#MC;VQO<CHC,#`P,#`P.R<@/C$T,CPO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L
M86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A
M;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P
M,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N
M-7!T.W1E>'0M86QI9VXZ<FEG:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW
M:61T:#HT,RXU<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ
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M;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G
M9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O
M;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XS-S@\+V9O;G0^/"]T
M9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL969T.V)O
M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[)B,Q-C`[/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X="UA;&EG;CIL969T.V)O<F1E
M<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU<'0[(#X\+W1D/CQT9"!S='EL
M93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO
M<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^-3(X/"]F;VYT/CPO=&0^/"]T<CX\='(@/CQT9"!C;VQS
M<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I9'1H.C(T-G!T.W1E>'0M
M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C(T-G!T
M.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N
M.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^1T-3/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB
M;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T
M>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z
M,3!P=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D
M/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y
M;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L
M;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O
M;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT
M+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^,C`T/"]F;VYT/CPO=&0^
M/'1D('-T>6QE/3-$=VED=&@Z-BXW-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D
M97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C8N-S5P=#L@/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/B8C,38P.R8C,38P.SPO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M
M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^/"]T9#X\=&0@<W1Y;&4]
M,T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z
M0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M
M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC
M,#`P,#`P.R<@/C(V,3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C9P
M=#MT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED
M=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@
M/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.W1E>'0M86QI9VXZ<FEG
M:'0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N
M="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US
M:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/CDT
M.3PO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L
M:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[
M(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[
M9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\
M+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MT97AT+6%L:6=N
M.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XV-S@\+V9O;G0^/"]T9#X\+W1R/CQT
M<B`^/'1D(&-O;'-P86X],T0R(')O=W-P86X],T0Q('-T>6QE/3-$=VED=&@Z
M,C0V<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z,C0V<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE
M<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#Y'
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M<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y
M;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ
M,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XT,C<\+V9O
M;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[=&5X="UA;&EG;CIL
M969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-BXW-7!T.R`^/"]T
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M;W(Z(S`P,#`P,#LG(#XS.3$\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV<'0[=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN
M+7=I9'1H.C9P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MT97AT+6%L:6=N
M.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^
M/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O
M;G0M<VEZ93HQ,'!T.V9O;G0M=V5I9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG
M(#XQ+#(T,SPO9F]N=#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C8N-S5P=#MT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV
M+C<U<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C<N-7!T.W1E>'0M86QI
M9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C<N-7!T.R`^
M/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HT,RXU<'0[=&5X="UA;&EG;CIR:6=H
M=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT
M('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I
M>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/C$L,3<V/"]F;VYT/CPO=&0^/"]T
M<CX\='(@/CQT9"!C;VQS<&%N/3-$,B!R;W=S<&%N/3-$,2!S='EL93TS1'=I
M9'1H.C(T-G!T.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z<V]L:60[8F]R9&5R+6)O
M='1O;2UW:61T:#HQ.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA
M8VL[;6EN+7=I9'1H.C(T-G!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI
M;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P
M,#`[)R`^0V]R<&]R871E("9A;7`[($]T:&5R+"!I;F-L=61I;F<@861J=7-T
M;65N=',@86YD(&5L:6UI;F%T:6]N<SPO9F]N=#X\<W5P/CQF;VYT('-T>6QE
M/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P
M=#MC;VQO<CHC,#`P,#`P.R<@/BAA*3PO9F]N=#X\+W-U<#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C8N-S5P=#MT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O
M;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL93TS1"=F
M;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P<'0[8V]L
M;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\=&0@<W1Y
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M96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B@Q.#4I/"]F;VYT/CPO=&0^
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M<CI";&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N
M="UF86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R
M.B,P,#`P,#`[)R`^*#(Q,"D\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HV<'0[=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM
M=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D
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M86X[9F]N="US:7IE.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P
M,#`P.R<@/B@V-C<I/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-BXW
M-7!T.W1E>'0M86QI9VXZ;&5F=#MB;W)D97(M8V]L;W(Z0FQA8VL[;6EN+7=I
M9'1H.C8N-S5P=#L@/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C$[
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-RXU<'0[(#X\+W1D/CQT9"!S='EL93TS1'=I9'1H.C0S+C5P=#MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,3MT97AT
M+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-#,N
M-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W(%)O
M;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^*#8V,"D\+V9O
M;G0^/"]T9#X\+W1R/CQT<B`^/'1D('-T>6QE/3-$=VED=&@Z,3$N,C5P=#MB
M;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D
M97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT
M97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HQ
M,2XR-7!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HR,S0N-S5P=#MB;W)D
M97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M
M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT
M+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HR,S0N
M-S5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2
M;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P.R<@/E1O=&%L/"]F
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M.C$P<'0[9F]N="UW96EG:'0Z8F]L9#MC;VQO<CHC,#`P,#`P.R<@/B0\+V9O
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M+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB;VQD.V-O;&]R.B,P,#`P,#`[)R`^
M,2PT-S<\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T:#HV+C<U<'0[8F]R
M9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([
M=&5X="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z
M-BXW-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF86UI;'DZ5&EM97,@3F5W
M(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V-O;&]R.B,P,#`P,#`[)R`^)B,Q-C`[
M)B,Q-C`[/"]F;VYT/CPO=&0^/'1D('-T>6QE/3-$=VED=&@Z-RXU<'0[8F]R
M9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I9'1H.C$[8F]R9&5R
M+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M+7=I9'1H.C([=&5X
M="UA;&EG;CIL969T.V)O<F1E<BUC;VQO<CI";&%C:SMM:6XM=VED=&@Z-RXU
M<'0[(#X\9F]N="!S='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M
M86X[9F]N="US:7IE.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XD/"]F;VYT/CPO
M=&0^/'1D('-T>6QE/3-$=VED=&@Z-#,N-7!T.V)O<F1E<BUT;W`M<W1Y;&4Z
M<V]L:60[8F]R9&5R+71O<"UW:61T:#HQ.V)O<F1E<BUB;W1T;VTM<W1Y;&4Z
M<V]L:60[8F]R9&5R+6)O='1O;2UW:61T:#HR.W1E>'0M86QI9VXZ<FEG:'0[
M8F]R9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HT,RXU<'0[(#X\9F]N="!S
M='EL93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE
M.C$P<'0[8V]L;W(Z(S`P,#`P,#LG(#XQ+#,V-CPO9F]N=#X\+W1D/CQT9"!S
M='EL93TS1'=I9'1H.C9P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O
M<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC
M;VQO<CI";&%C:SMM:6XM=VED=&@Z-G!T.R`^/"]T9#X\=&0@<W1Y;&4],T1W
M:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT;W`M
M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB;W1T
M;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R+6-O;&]R.D)L86-K
M.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MF;VYT+7=E:6=H=#IB
M;VQD.V-O;&]R.B,P,#`P,#`[)R`^)#PO9F]N=#X\+W1D/CQT9"!S='EL93TS
M1'=I9'1H.C0S+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED.V)O<F1E<BUT
M;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED.V)O<F1E<BUB
M;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.G)I9VAT.V)O<F1E<BUC;VQO<CI"
M;&%C:SMM:6XM=VED=&@Z-#,N-7!T.R`^/&9O;G0@<W1Y;&4],T0G9F]N="UF
M86UI;'DZ5&EM97,@3F5W(%)O;6%N.V9O;G0M<VEZ93HQ,'!T.V9O;G0M=V5I
M9VAT.F)O;&0[8V]L;W(Z(S`P,#`P,#LG(#XT+#0S.#PO9F]N=#X\+W1D/CQT
M9"!S='EL93TS1'=I9'1H.C8N-S5P=#MB;W)D97(M8F]T=&]M+7-T>6QE.G-O
M;&ED.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R
M9&5R+6-O;&]R.D)L86-K.VUI;BUW:61T:#HV+C<U<'0[(#X\9F]N="!S='EL
M93TS1"=F;VYT+69A;6EL>3I4:6UE<R!.97<@4F]M86X[9F]N="US:7IE.C$P
M<'0[8V]L;W(Z(S`P,#`P,#LG(#XF(S$V,#LF(S$V,#L\+V9O;G0^/"]T9#X\
M=&0@<W1Y;&4],T1W:61T:#HW+C5P=#MB;W)D97(M=&]P+7-T>6QE.G-O;&ED
M.V)O<F1E<BUT;W`M=VED=&@Z,3MB;W)D97(M8F]T=&]M+7-T>6QE.G-O;&ED
M.V)O<F1E<BUB;W1T;VTM=VED=&@Z,CMT97AT+6%L:6=N.FQE9G0[8F]R9&5R
M+6-O;&]R.D)L86-K.VUI;BUW:61T:#HW+C5P=#L@/CQF;VYT('-T>6QE/3-$
M)V9O;G0M9F%M:6QY.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC
M;VQO<CHC,#`P,#`P.R<@/B0\+V9O;G0^/"]T9#X\=&0@<W1Y;&4],T1W:61T
M:#HT,RXU<'0[8F]R9&5R+71O<"US='EL93IS;VQI9#MB;W)D97(M=&]P+7=I
M9'1H.C$[8F]R9&5R+6)O='1O;2US='EL93IS;VQI9#MB;W)D97(M8F]T=&]M
M+7=I9'1H.C([=&5X="UA;&EG;CIR:6=H=#MB;W)D97(M8V]L;W(Z0FQA8VL[
M;6EN+7=I9'1H.C0S+C5P=#L@/CQF;VYT('-T>6QE/3-$)V9O;G0M9F%M:6QY
M.E1I;65S($YE=R!2;VUA;CMF;VYT+7-I>F4Z,3!P=#MC;VQO<CHC,#`P,#`P
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M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B
M;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7SAC8S9C965C7S0Y
M,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y80T*0V]N=&5N="U,;V-A=&EO;CH@
M9FEL93HO+R]#.B\X8V,V8V5E8U\T.3!B7S0R9CE?.#)D,%\V83(S,3%F-S<P
M.6$O5V]R:W-H965T<R]3:&5E=#,Y+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M
M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X
M="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D
M/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N
M=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS
M1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO="!296UO
M=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-
M"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%3$I!13X-"B`@
M("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@
M<F]W<W!A;CTS1#(^/'-T<F]N9SY$:79E<W1I='5R97,@*$1E=&%I;',@5&5X
M='5A;',I("A54T0@)"D\8G(^/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H
M(&-L87-S/3-$=&@@8V]L<W!A;CTS1#(^,R!-;VYT:',@16YD960\+W1H/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,3XV($UO;G1H<R!%
M;F1E9#PO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0R
M/CD@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\8G(^/"]T
M:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q,SQB<CX\
M+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y*=6XN(#,P+"`R,#$T/&)R
M/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\
M8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q
M,SQB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N
M9SY$:79E<W1I='5R97,@*$1E=&%I;',I(%M!8G-T<F%C=%T\+W-T<F]N9SX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y/=VYE<G-H
M:7`@<&5R8V5N=&%G92!B>2!T:&4@0V]M<&%N>3PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^-3`N,#`E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XU,"XP,"4\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y&86ER('9A;'5E('!O
M<G1I;VX@;V8@:6YV97-T;65N=',@86-C;W5N=&5D('5N9&5R('1H92!E<75I
M='D@;65T:&]D+CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Y
M,#`L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^)"`Y,#`L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-A<V@@:6YV97-T960@8GD@
M=&AI<F0@<&%R='D@:6X@:F]I;G0@=F5N='5R93PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^.3`P+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/CDP,"PP,#`L,#`P/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3W=N
M97)S:&EP('!E<F-E;G1A9V4@8GD@=&AI<F0@<&%R='D\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C4P+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-3`N,#`E/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1&5C;VYS;VQI
M9&%T:6]N(&=A:6X@86UO=6YT+"!B969O<F4@=&%X/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XQ-2PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8R-BPP,#`L,#`P/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-C0Q+#`P
M,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XP/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y$96-O;G-O;&ED871I;VX@9V%I;B!A;6]U;G0L(&%F=&5R('1A
M>#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#0P.2PP,#`L
M,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^)"`T,#DL,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM
M+2T]7TYE>'1087)T7SAC8S9C965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W
M-S`Y80T*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X8V,V8V5E8U\T
M.3!B7S0R9CE?.#)D,%\V83(S,3%F-S<P.6$O5V]R:W-H965T<R]3:&5E=#0P
M+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN
M=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA
M<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U
M:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S
M970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,]
M,T13:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S
M8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R
M97!O<G0@:60],T1)1#!%4%)!23X-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H
M(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#$^/'-T<F]N9SY!
M8V-O=6YT<R!296-E:79A8FQE(&%N9"!,;V%N<R`H1&5T86EL<RD@*%531"`D
M*3QB<CX\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y3
M97`N(#,P+"`R,#$T/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H
M/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$
M=&@^4V5P+B`S,"P@,C`Q,SQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,]
M,T1T:#Y$96,N(#,Q+"`R,#$R/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#X\<W1R;VYG/D%C8V]U;G1S(')E8V5I=F%B;&4@<V5G;65N
M="!I;F9O<FUA=&EO;CPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^0V%R9"!-96UB97(@<F5C96EV86)L97,\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-#4L,3$W+#`P,"PP,#`\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#0T
M+#$V,RPP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/DQE<W,Z(%)E<V5R=F4@9F]R(&QO<W-E<SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#,R+#`P,"PP,#`\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS.#8L,#`P
M+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C,Y-BPP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^-#(X+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;W4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#87)D($UE;6)E<B!R96-E
M:79A8FQE<RP@;F5T/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT
M-"PV.#4L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C0S+#<W-RPP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D]T:&5R(')E8V5I=F%B
M;&5S+"!N970\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L-C,Q
M+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XS+#0P."PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^06-C;W5N=',@4F5C
M96EV86)L92!A;F0@3&]A;G,@5&5X='5A;',@6T%B<W1R86-T73PO<W1R;VYG
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3W1H97(@
M<F5C96EV86)L97,L(')E<V5R=F5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XT-"PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^-S$L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y687)I86)L92!);G1E
M<F5S="!%;G1E<G!R:7-E(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D%C8V]U;G1S(')E8V5I=F%B;&4@
M<V5G;65N="!I;F9O<FUA=&EO;CPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^0V%R9"!-96UB97(@<F5C96EV86)L97,\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8L,C4S+#`P,"PP,#`\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XW
M+#,R.2PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/DYO;B!5;FET960@4W1A=&5S(%M-96UB97)=/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D%C
M8V]U;G1S(')E8V5I=F%B;&4@<V5G;65N="!I;F9O<FUA=&EO;CPO<W1R;VYG
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V%R9"!-
M96UB97(@<F5C96EV86)L97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$S+#4P,"PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,3,L.#`P+#`P,"PP,#`\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^52!3($-A<F0@
M4V5R=FEC97,@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/CQS=')O;F<^06-C;W5N=',@<F5C96EV86)L92!S96=M96YT
M(&EN9F]R;6%T:6]N/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y#87)D($UE;6)E<B!R96-E:79A8FQE<SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C$L,C4S+#`P,"PP,#`\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR,2PX-#(L
M,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y5(%,@0V%R9"!397)V:6-E<R!;365M8F5R72!\(%9A<FEA
M8FQE($EN=&5R97-T($5N=&5R<')I<V4@6TUE;6)E<ET\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^06-C;W5N=',@4F5C
M96EV86)L92!A;F0@3&]A;G,@5&5X='5A;',@6T%B<W1R86-T73PO<W1R;VYG
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1W)O<W,@
M0V%R9"!-96UB97(@<F5C96EV86)L97,@879A:6QA8FQE('1O('-E='1L92!T
M:&4@;V)L:6=A=&EO;G,@;V8@82!V87)I86)L92!I;G1E<F5S="!E;G1I='D\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8L,S`P+#`P,"PP,#`\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XW
M+#,P,"PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/DEN=&5R;F%T:6]N86P@0V%R9"!397)V:6-E<R!;
M365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M/'-T<F]N9SY!8V-O=6YT<R!R96-E:79A8FQE('-E9VUE;G0@:6YF;W)M871I
M;VX\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D-A<F0@365M8F5R(')E8V5I=F%B;&5S/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XW+#(W,RPP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-RPW-S$L,#`P+#`P,#QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y'
M;&]B86P@0V]M;65R8VEA;"!397)V:6-E<R!;365M8F5R73PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY!8V-O=6YT<R!R
M96-E:79A8FQE('-E9VUE;G0@:6YF;W)M871I;VX\+W-T<F]N9SX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-A<F0@365M8F5R(')E
M8V5I=F%B;&5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-BPT
M-#`L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$T+#,Y,2PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D=L;V)A;"!#;VUM97)C:6%L
M(%-E<G9I8V5S(%M-96UB97)=('P@06ER;&EN92!;365M8F5R73PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY!8V-O=6YT
M<R!R96-E:79A8FQE('-E9VUE;G0@:6YF;W)M871I;VX\+W-T<F]N9SX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-A<F0@365M8F5R
M(')E8V5I=F%B;&5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV
M-S(L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C@S-BPP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D=L;V)A;"!#;VUM97)C:6%L(%-E
M<G9I8V5S(%M-96UB97)=('P@06ER;&EN92!;365M8F5R72!\($1E;'1A(%M-
M96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\
M<W1R;VYG/D%C8V]U;G1S(')E8V5I=F%B;&4@<V5G;65N="!I;F9O<FUA=&EO
M;CPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^0V%R9"!-96UB97(@<F5C96EV86)L97,\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C8T,BPP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-C(X+#`P,"PP,#`\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1VQO8F%L
M($YE='=O<FL@06YD($UE<F-H86YT(%-E<G9I8V5S(%M-96UB97)=/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D%C8V]U
M;G1S(')E8V5I=F%B;&4@<V5G;65N="!I;F9O<FUA=&EO;CPO<W1R;VYG/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V%R9"!-96UB
M97(@<F5C96EV86)L97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/B0@,34Q+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XD(#$U.2PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H
M=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7SAC8S9C965C7S0Y,&)?-#)F.5\X
M,F0P7S9A,C,Q,68W-S`Y80T*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#
M.B\X8V,V8V5E8U\T.3!B7S0R9CE?.#)D,%\V83(S,3%F-S<P.6$O5V]R:W-H
M965T<R]3:&5E=#0Q+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z
M('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C
M:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-
M151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT
M+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V
M87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#
M;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B
M;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%1$)"1SX-"B`@("`@(#QT<CX-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS
M1#$^/'-T<F]N9SY!8V-O=6YT<R!296-E:79A8FQE(&%N9"!,;V%N<R`H1&5T
M86EL<R`Q*2`H55-$("0I/&)R/CPO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT
M:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\8G(^/"]T:#X-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@("`@
M("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$S/&)R/CPO=&@^#0H@("`@
M("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3(\8G(^/"]T:#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^3&]A;G,@<V5G;65N
M="!I;F9O<FUA=&EO;CPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^0V%R9"!-96UB97(@;&]A;G,L(&=R;W-S/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#8V+#`U-RPP,#`L,#`P/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`V
M-RPR,S@L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y,97-S.B!297-E<G9E(&9O<B!L;W-S97,\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L,30V+#`P,"PP,#`\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#(V
M,2PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,2PR.#$L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C$L-#<Q+#`P,"PP,#`\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;W4^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#87)D($UE
M;6)E<B!L;V%N<RP@;F5T/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XV-"PY,3$L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C8U+#DW-RPP,#`L,#`P/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D]T:&5R(&QO86YS
M+"!N970\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C@U-2PP,#`L
M,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^-C`X+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY!8V-O=6YT<R!296-E:79A8FQE
M(&%N9"!,;V%N<R!497AT=6%L<R!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y/=&AE<B!L;V%N<RP@
M<F5S97)V97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$Q+#`P
M,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XQ,RPP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/E9A<FEA8FQE($EN=&5R97-T($5N=&5R<')I
M<V4@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/CQS=')O;F<^3&]A;G,@<V5G;65N="!I;F9O<FUA=&EO;CPO<W1R;VYG
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V%R9"!-
M96UB97(@;&]A;G,L(&=R;W-S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XR."PS,3`L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C,Q+#(T-2PP,#`L,#`P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E4@4R!#87)D
M(%-E<G9I8V5S(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#X\<W1R;VYG/DQO86YS('-E9VUE;G0@:6YF;W)M871I;VX\
M+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/D-A<F0@365M8F5R(&QO86YS+"!G<F]S<SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^-3@L,#$R+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU."PS.34L,#`P+#`P,#QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y5
M(%,@0V%R9"!397)V:6-E<R!;365M8F5R72!\(%9A<FEA8FQE($EN=&5R97-T
M($5N=&5R<')I<V4@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/CQS=')O;F<^06-C;W5N=',@4F5C96EV86)L92!A;F0@
M3&]A;G,@5&5X='5A;',@6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1W)O<W,@0V%R9"!-96UB97(@
M;&]A;G,@879A:6QA8FQE('1O('-E='1L92!T:&4@;V)L:6=A=&EO;G,@;V8@
M82!V87)I86)L92!I;G1E<F5S="!E;G1I='D\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C(X+#,P,"PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,S$L,C`P+#`P,"PP,#`\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M26YT97)N871I;VYA;"!#87)D(%-E<G9I8V5S(%M-96UB97)=/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/DQO86YS('-E
M9VUE;G0@:6YF;W)M871I;VX\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/D-A<F0@365M8F5R(&QO86YS+"!G<F]S<SPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-RPY.3DL,#`P+#`P,#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C@L
M-SDP+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^1VQO8F%L($-O;6UE<F-I86P@4V5R=FEC97,@6TUE
M;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS
M=')O;F<^3&]A;G,@<V5G;65N="!I;F9O<FUA=&EO;CPO<W1R;VYG/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V%R9"!-96UB97(@
M;&]A;G,L(&=R;W-S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD
M(#0V+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XD(#4S+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^
M#0H-"BTM+2TM+3U?3F5X=%!A<G1?.&-C-F-E96-?-#DP8E\T,F8Y7S@R9#!?
M-F$R,S$Q9C<W,#EA#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+SAC
M8S9C965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y82]7;W)K<VAE971S
M+U-H965T-#(N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O
M=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S
M970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@
M:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M
M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R
M:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE
M;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C
M;&%S<STS1')E<&]R="!I9#TS1$E$,$4R,D%'/@T*("`@("`@/'1R/@T*("`@
M("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,3X\
M<W1R;VYG/D%C8V]U;G1S(%)E8V5I=F%B;&4@86YD($QO86YS("A$971A:6QS
M(#(I("A54T0@)"D\8G(^26X@36EL;&EO;G,L('5N;&5S<R!O=&AE<G=I<V4@
M<W!E8VEF:65D/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$
M=&@^4V5P+B`S,"P@,C`Q-#QB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,]
M,T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y5(%,@0V%R9"!397)V:6-E<R!;365M8F5R72!\($-A<F0@
M365M8F5R($QO86YS(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^/'-T<F]N9SY&:6YA;F-I;F<@<F5C96EV86)L92!R96-O
M<F1E9"!I;G9E<W1M96YT(&%G:6YG/"]S=')O;F<^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^0W5R<F5N=#PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^)"`U-RPT-#<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#4W+#<W,CQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^,S`@=&\@-3D@9&%Y
M<R!P87-T(&1U93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3<U
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,3@S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#XV,"!T;R`X.2!D87ES('!A<W0@9'5E/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ,C$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XQ,S0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/CDP*R!D87ES('!A<W0@9'5E/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR-CD\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS,#8\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R974^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A;"!A9VEN
M9SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-3@L,#$R/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-3@L,SDU
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y5(%,@0V%R9"!397)V:6-E<R!;365M8F5R72!\($-A<F0@365M8F5R(%)E
M8V5I=F%B;&5S(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^/'-T<F]N9SY&:6YA;F-I;F<@<F5C96EV86)L92!R96-O<F1E
M9"!I;G9E<W1M96YT(&%G:6YG/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^0W5R<F5N=#PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,C`L.3`W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,C$L-#@X/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#XS,"!T;R`U.2!D87ES('!A<W0@
M9'5E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,C4\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,C4\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/C8P
M('1O(#@Y(&1A>7,@<&%S="!D=64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C<T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^-CD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/CDP*R!D87ES('!A<W0@9'5E/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XQ-#<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ-C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;W4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A;"!A9VEN9SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C$L,C4S/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C$L.#0R/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G1E<FYA
M=&EO;F%L($-A<F0@4V5R=FEC97,@6TUE;6)E<ET@?"!#87)D($UE;6)E<B!,
M;V%N<R!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/CQS=')O;F<^1FEN86YC:6YG(')E8V5I=F%B;&4@<F5C;W)D960@:6YV
M97-T;65N="!A9VEN9SPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/D-U<G)E;G0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C<L.#8Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^."PV-C0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/C,P('1O(#4Y(&1A>7,@<&%S="!D=64\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0Q/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#,\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/C8P('1O(#@Y(&1A
M>7,@<&%S="!D=64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(Y
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,C@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/CDP*R!D87ES('!A<W0@9'5E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XV,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C4U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F5U/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^5&]T86P@86=I;F<\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C<L.3DY/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^."PW.3`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN=&5R;F%T:6]N86P@0V%R9"!3
M97)V:6-E<R!;365M8F5R72!\($-A<F0@365M8F5R(%)E8V5I=F%B;&5S(%M-
M96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T
M<F]N9SY&:6YA;F-I;F<@<F5C96EV86)L92!R96-O<F1E9"!I;G9E<W1M96YT
M(&%G:6YG/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^0W5R<F5N=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M-RPQ-S0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#XS,"!T;R`U.2!D87ES('!A<W0@9'5E/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XS,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/C8P('1O(#@Y(&1A>7,@<&%S="!D=64\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(R/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^.3`K(&1A>7,@
M<&%S="!D=64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0W/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.#,\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;W4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y4;W1A;"!A9VEN9SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M-RPR-S,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XW+#<W,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^1VQO8F%L($-O;6UE<F-I86P@4V5R=FEC97,@6TUE;6)E
M<ET@?"!#87)D($UE;6)E<B!296-E:79A8FQE<R!;365M8F5R73PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^1FEN86YC:6YG
M(')E8V5I=F%B;&4@<F5C;W)D960@:6YV97-T;65N="!A9VEN9SPO<W1R;VYG
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CDP*R!D87ES
M('!A<W0@9'5E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,C4\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ
M,S(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;W4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y4;W1A;"!A9VEN9SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^)"`Q-BPT-#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XD(#$T+#,Y,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM
M+2TM+3U?3F5X=%!A<G1?.&-C-F-E96-?-#DP8E\T,F8Y7S@R9#!?-F$R,S$Q
M9C<W,#EA#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+SAC8S9C965C
M7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y82]7;W)K<VAE971S+U-H965T
M-#,N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R
M:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S
M+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE
M<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA
M<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R
M8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\
M+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS
M1')E<&]R="!I9#TS1$E$,$5$44%'/@T*("`@("`@/'1R/@T*("`@("`@("`\
M=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG
M/D%C8V]U;G1S(%)E8V5I=F%B;&4@86YD($QO86YS("A$971A:6QS(#,I/&)R
M/CPO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P
M86X],T0R/CD@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\
M8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q
M,SQB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^52!3($-A
M<F0@4V5R=FEC97,@6TUE;6)E<ET@?"!#87)D($UE;6)E<B!,;V%N<R!;365M
M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O
M;F<^0W)E9&ET(%%U86QI='D@26YD:6-A=&]R(&9O<B!,;V%N<R!A;F0@4F5C
M96EV86)L97,\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y.970@5W)I=&4M3V9F(%)A=&4@+2!0<FEN8VEP86P@3VYL>3PO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2XV,"4\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+CDP)3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F5T
M(%=R:71E+4]F9B!2871E("T@4')I;F-I<&%L+"!);G1E<F5S="P@86YD($9E
M97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$N.#`E/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BXQ,"4\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/C,P($1A>7,@4&%S="!$=64@87,@82`E(&]F(%1O=&%L/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$N,3`E/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y5(%,@0V%R9"!397)V
M:6-E<R!;365M8F5R72!\($-A<F0@365M8F5R(%)E8V5I=F%B;&5S(%M-96UB
M97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N
M9SY#<F5D:70@475A;&ET>2!);F1I8V%T;W(@9F]R($QO86YS(&%N9"!296-E
M:79A8FQE<SPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/DYE="!7<FET92U/9F8@4F%T92`M(%!R:6YC:7!A;"!/;FQY/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+C<P)3QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$N.#`E/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.970@
M5W)I=&4M3V9F(%)A=&4@+2!0<FEN8VEP86PL($EN=&5R97-T+"!A;F0@1F5E
M<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2XY,"4\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+CDP)3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M,S`@1&%Y<R!087-T($1U92!A<R!A("4@;V8@5&]T86P\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C$N-C`E/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2XW,"4\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN=&5R;F%T:6]N86P@
M0V%R9"!397)V:6-E<R!;365M8F5R72!\($-A<F0@365M8F5R($QO86YS(%M-
M96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T
M<F]N9SY#<F5D:70@475A;&ET>2!);F1I8V%T;W(@9F]R($QO86YS(&%N9"!2
M96-E:79A8FQE<SPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/DYE="!7<FET92U/9F8@4F%T92`M(%!R:6YC:7!A;"!/;FQY
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+C`P)3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$N.3`E/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.
M970@5W)I=&4M3V9F(%)A=&4@+2!0<FEN8VEP86PL($EN=&5R97-T+"!A;F0@
M1F5E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BXT,"4\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+C,P
M)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^,S`@1&%Y<R!087-T($1U92!A<R!A("4@;V8@5&]T86P\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C$N-C`E/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2XU,"4\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN=&5R;F%T:6]N
M86P@0V%R9"!397)V:6-E<R!;365M8F5R72!\($-A<F0@365M8F5R(%)E8V5I
M=F%B;&5S(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^/'-T<F]N9SY#<F5D:70@475A;&ET>2!);F1I8V%T;W(@9F]R($QO
M86YS(&%N9"!296-E:79A8FQE<SPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/DYE="!7<FET92U/9F8@4F%T92`M(%!R:6YC
M:7!A;"!/;FQY/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+C`P
M)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/DYE="!7<FET92U/9F8@4F%T92`M(%!R:6YC:7!A;"P@26YT97)E<W0L
M(&%N9"!&965S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+C$P
M)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/C,P($1A>7,@4&%S="!$=64@87,@82`E(&]F(%1O=&%L/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+C0P)3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYE="!,;W-S(%)A=&EO
M(&%S(&$@)2!O9B!#:&%R9V4@5F]L=6UE/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,"XR,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/CDP(&1A>7,@<&%S="!B:6QL:6YG(&%S(&$@
M<&5R8V5N=&%G92!O9B!R96-E:79A8FQE<SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C$N,3`E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y';&]B86P@0V]M;65R8VEA;"!397)V:6-E
M<R!;365M8F5R72!\($-A<F0@365M8F5R(%)E8V5I=F%B;&5S(%M-96UB97)=
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY#
M<F5D:70@475A;&ET>2!);F1I8V%T;W(@9F]R($QO86YS(&%N9"!296-E:79A
M8FQE<SPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/DYE="!,;W-S(%)A=&EO(&%S(&$@)2!O9B!#:&%R9V4@5F]L=6UE/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP+C`Y)3QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`N,#<E/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#XY,"!D
M87ES('!A<W0@8FEL;&EN9R!A<R!A('!E<F-E;G1A9V4@;V8@<F5C96EV86)L
M97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`N.#`E/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,"XX,"4\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-
M"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7SAC8S9C
M965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y80T*0V]N=&5N="U,;V-A
M=&EO;CH@9FEL93HO+R]#.B\X8V,V8V5E8U\T.3!B7S0R9CE?.#)D,%\V83(S
M,3%F-S<P.6$O5V]R:W-H965T<R]3:&5E=#0T+FAT;6P-"D-O;G1E;G0M5')A
M;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP
M93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@
M(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@
M8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@
M='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO
M="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\
M8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%5EI!
M1SX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A
M;CTS1#$@<F]W<W!A;CTS1#$^/'-T<F]N9SY!8V-O=6YT<R!296-E:79A8FQE
M(&%N9"!,;V%N<R`H1&5T86EL<R`T*2`H55-$("0I/&)R/DEN($UI;&QI;VYS
M+"!U;FQE<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\8G(^/"]T:#X-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY);7!A:7)E
M9"!L;V%N<R!A;F0@<F5C96EV86)L97,\+W-T<F]N9SX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y,;V%N<R!O=F5R(#DP(&1A>7,@<&%S
M="!D=64@86YD(&%C8W)U:6YG(&EN=&5R97-T/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XD(#(R,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/B0@,C(T/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.;VXM86-C<G5A;"!L;V%N<SPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3@X/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C0X/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y,;V%N<R!A
M;F0@<F5C96EV86)L97,@;6]D:69I960@87,@82!4<F]U8FQE9"!$96)T(%)E
M<W1R=6-T=7)I;F<\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,U
M,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C0R.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')E=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/E1O=&%L(&EM<&%I<F5D(&QO86YS(&%N9"!R96-E:79A8FQE<SPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-S8Q/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.3`P/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y5;G!A:60@
M<')I;F-I<&%L(&)A;&%N8V4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C8Y-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C@T,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^4F5L871E9"!A;&QO=V%N8V4@9F]R(%1R;W5B;&5D($1E
M8G0@4F5S=')U8W1U<FEN9W,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$P,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C$R,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^/'-T<F]N9SY!8V-O=6YT<R!296-E:79A8FQE(&%N9"!,
M;V%N<R!497AT=6%L<R!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P@;&]A;G,@86YD(')E8V5I
M=F%B;&5S(&UO9&EF:65D(&%S(&$@5$12+"!N;VXM86-C<G5A;#PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.#<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XY,CQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P@;&]A;G,@86YD
M(')E8V5I=F%B;&5S(&UO9&EF:65D(&%S(&$@5$12+"!P87-T(&1U92`Y,"!D
M87ES(&%N9"!S=&EL;"!A8V-R=6EN9SPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XR-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^52!3($-A<F0@4V5R=FEC97,@6TUE;6)E<ET@?"!#
M87)D($UE;6)E<B!,;V%N<R!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^26UP86ER960@;&]A;G,@86YD(')E
M8V5I=F%B;&5S/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^3&]A;G,@;W9E<B`Y,"!D87ES('!A<W0@9'5E(&%N9"!A8V-R
M=6EN9R!I;G1E<F5S=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,38P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,3<P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y.;VXM86-C<G5A;"!L;V%N<SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,3@X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,C0T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y,;V%N<R!A;F0@<F5C96EV86)L97,@;6]D
M:69I960@87,@82!4<F]U8FQE9"!$96)T(%)E<W1R=6-T=7)I;F<\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,P.3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,W,SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O=3X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1O=&%L(&EM<&%I
M<F5D(&QO86YS(&%N9"!R96-E:79A8FQE<SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^-C4W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^-S@W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y5;G!A:60@<')I;F-I<&%L(&)A;&%N8V4\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4Y-#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C<S,3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4F5L871E
M9"!A;&QO=V%N8V4@9F]R(%1R;W5B;&5D($1E8G0@4F5S=')U8W1U<FEN9W,\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C<P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.#0\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E4@4R!#87)D
M(%-E<G9I8V5S(%M-96UB97)=('P@0V%R9"!-96UB97(@4F5C96EV86)L97,@
M6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\
M<W1R;VYG/DEM<&%I<F5D(&QO86YS(&%N9"!R96-E:79A8FQE<SPO<W1R;VYG
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DQO86YS(&]V
M97(@.3`@9&%Y<R!P87-T(&1U92!A;F0@86-C<G5I;F<@:6YT97)E<W0\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.;VXM86-C<G5A;"!L
M;V%N<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DQO86YS
M(&%N9"!R96-E:79A8FQE<R!M;V1I9FEE9"!A<R!A(%1R;W5B;&5D($1E8G0@
M4F5S=')U8W1U<FEN9SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M-#0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XU,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/E1O=&%L(&EM<&%I<F5D(&QO86YS(&%N9"!R96-E:79A8FQE<SPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#0\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU,#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^56YP86ED('!R
M:6YC:7!A;"!B86QA;F-E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XT,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C0Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y296QA=&5D(&%L;&]W86YC92!F;W(@5')O=6)L960@1&5B="!2
M97-T<G5C='5R:6YG<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,S(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XS.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^26YT97)N871I;VYA;"!#87)D(%-E<G9I8V5S(%M-96UB97)=('P@
M0V%R9"!-96UB97(@3&]A;G,@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/DEM<&%I<F5D(&QO86YS(&%N9"!R
M96-E:79A8FQE<SPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/DQO86YS(&]V97(@.3`@9&%Y<R!P87-T(&1U92!A;F0@86-C
M<G5I;F<@:6YT97)E<W0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C8P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^-30\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/DYO;BUA8V-R=6%L(&QO86YS/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^3&]A;G,@86YD(')E8V5I=F%B;&5S(&UO9&EF:65D
M(&%S(&$@5')O=6)L960@1&5B="!297-T<G5C='5R:6YG/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O=3X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1O=&%L(&EM<&%I<F5D(&QO86YS
M(&%N9"!R96-E:79A8FQE<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^-C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XV,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^56YP86ED('!R:6YC:7!A;"!B86QA;F-E/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XU.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C8R/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y296QA=&5D(&%L;&]W86YC92!F
M;W(@5')O=6)L960@1&5B="!297-T<G5C='5R:6YG<SPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^)"`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^)"`P/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-
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M=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H
M='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL
M.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I
M<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N
M="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L
M87-S/3-$<F5P;W)T(&ED/3-$240P14A)04<^#0H@("`@("`\='(^#0H@("`@
M("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS
M=')O;F<^06-C;W5N=',@4F5C96EV86)L92!A;F0@3&]A;G,@*$1E=&%I;',@
M-2D@*%531"`D*3QB<CY);B!-:6QL:6]N<RP@=6YL97-S(&]T:&5R=VES92!S
M<&5C:69I960\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T
M:"!C;VQS<&%N/3-$,CXS($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`@(#QT
M:"!C;&%S<STS1'1H(&-O;'-P86X],T0R/CD@36]N=&AS($5N9&5D/"]T:#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS
M1'1H/E-E<"X@,S`L(#(P,30\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S
M/3-$=&@^4V5P+B`S,"P@,C`Q,SQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA
M<W,],T1T:#Y397`N(#,P+"`R,#$T/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C
M;&%S<STS1'1H/E-E<"X@,S`L(#(P,3,\8G(^/"]T:#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^1FEN86YC:6YG(%)E8V5I=F%B;&4@
M26UP86ER960@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!=F5R86=E(&)A;&%N8V4@;V8@:6UP
M86ER960@;&]A;G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@
M-S@R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^)"`Y.#<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XD(#@T-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/B0@,2PQ,SD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN=&5R97-T(&EN8V]M92!R96-O9VYI
M>F5D/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-CQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$U/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#D\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT-CQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M52!3($-A<F0@4V5R=FEC97,@6TUE;6)E<ET@?"!#87)D($UE;6)E<B!,;V%N
M<R!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^/'-T<F]N9SY&:6YA;F-I;F<@4F5C96EV86)L92!);7!A:7)E9"!;3&EN
M92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/D%V97)A9V4@8F%L86YC92!O9B!I;7!A:7)E9"!L;V%N<SPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-C<U/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.#4Y/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-S,T/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.3@R/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y)
M;G1E<F5S="!I;F-O;64@<F5C;V=N:7IE9#PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,3(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C,W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,S0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/E4@4R!#87)D(%-E<G9I8V5S(%M-96UB
M97)=('P@0V%R9"!-96UB97(@4F5C96EV86)L97,@6TUE;6)E<ET\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^1FEN86YC
M:6YG(%)E8V5I=F%B;&4@26UP86ER960@6TQI;F4@271E;7-=/"]S=')O;F<^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!=F5R86=E
M(&)A;&%N8V4@;V8@:6UP86ER960@;&]A;G,\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C0T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^-C(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XT-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C@Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G1E<F5S="!I;F-O;64@<F5C;V=N
M:7IE9#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YT
M97)N871I;VYA;"!#87)D(%-E<G9I8V5S(%M-96UB97)=('P@0V%R9"!-96UB
M97(@3&]A;G,@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/CQS=')O;F<^1FEN86YC:6YG(%)E8V5I=F%B;&4@26UP86ER
M960@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y!=F5R86=E(&)A;&%N8V4@;V8@:6UP86ER960@
M;&]A;G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8S/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-C8\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV,SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8X
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y);G1E<F5S="!I;F-O;64@<F5C;V=N:7IE9#PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^)"`T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^)"`T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q,CQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,3(\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H
M=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7SAC8S9C965C7S0Y,&)?-#)F.5\X
M,F0P7S9A,C,Q,68W-S`Y80T*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#
M.B\X8V,V8V5E8U\T.3!B7S0R9CE?.#)D,%\V83(S,3%F-S<P.6$O5V]R:W-H
M965T<R]3:&5E=#0V+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z
M('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C
M:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-
M151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT
M+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V
M87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#
M;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B
M;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%5%9!1SX-"B`@("`@(#QT<CX-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS
M1#(^/'-T<F]N9SY!8V-O=6YT<R!296-E:79A8FQE(&%N9"!,;V%N<R`H1&5T
M86EL<R`V*2`H55-$("0I/&)R/DEN($UI;&QI;VYS+"!U;FQE<W,@;W1H97)W
M:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S
M<STS1'1H(&-O;'-P86X],T0R/C,@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@
M("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#(^.2!-;VYT:',@16YD960\
M+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L
M87-S/3-$=&@^4V5P+B`S,"P@,C`Q-#QB<CY!8V-O=6YT/&)R/CPO=&@^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,3,\8G(^06-C;W5N
M=#QB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R
M,#$T/&)R/D%C8V]U;G0\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$
M=&@^4V5P+B`S,"P@,C`Q,SQB<CY!8V-O=6YT/&)R/CPO=&@^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D%C8V]U;G1S(%)E8V5I=F%B
M;&4@86YD($QO86YS(%1E>'1U86QS(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D1I9F9E<F5N8V4@
M8F5T=V5E;B!P<F4M(&%N9"!P;W-T+6UO9&EF:6-A=&EO;B!O=71S=&%N9&EN
M9R!B86QA;F-E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M)"`T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y5(%,@0V%R9"!397)V:6-E<R!;365M8F5R73PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY&:6YA;F-I;F<@4F5C
M96EV86)L92P@36]D:69I8V%T:6]N<R!;3&EN92!)=&5M<UT\+W-T<F]N9SX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYU;6)E<B!O
M9B!!8V-O=6YT<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,34L
M,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,38L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^-#8L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^-C,L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!9V=R96=A=&5D($]U='-T86YD:6YG
M($)A;&%N8V4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$R-#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$T
M,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C,Y,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C4V,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^0V%R9"!-96UB97(@3&]A;G,@6TUE;6)E<ET@?"!5(%,@0V%R
M9"!397)V:6-E<R!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^/'-T<F]N9SY&:6YA;F-I;F<@4F5C96EV86)L92P@36]D
M:69I8V%T:6]N<R!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYU;6)E<B!O9B!!8V-O=6YT<SPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3$L,#`P/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3(L,#`P/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,S4L
M,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^-#<L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y!9V=R96=A=&5D($]U='-T86YD:6YG($)A;&%N8V4\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C@S/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.3$\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR-C$\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS-3<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V97)A
M9V4@8F%S:7,@<&]I;G0@<F5D=6-T:6]N(&EN(&EN=&5R97-T(')A=&4@8GD@
M8VQA<W,@;V8@0V%R9"!-96UB97(@;&]A;G,\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/CDN,#`E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,3`N,#`E/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3$N,#`E/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3$N,#`E/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#87)D($UE
M;6)E<B!296-E:79A8FQE<R!;365M8F5R72!\(%4@4R!#87)D(%-E<G9I8V5S
M(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#X\<W1R;VYG/D9I;F%N8VEN9R!296-E:79A8FQE+"!-;V1I9FEC871I;VYS
M(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^3G5M8F5R(&]F($%C8V]U;G1S/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XT+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0L,#`P/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3$L,#`P/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,38L,#`P/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!
M9V=R96=A=&5D($]U='-T86YD:6YG($)A;&%N8V4\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/B0@-#$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XD(#0Y/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q,CD\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#(P-#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^079E<F%G92!P
M87EM96YT('1E<FT@97AT96YS:6]N/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,3(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM
M+3U?3F5X=%!A<G1?.&-C-F-E96-?-#DP8E\T,F8Y7S@R9#!?-F$R,S$Q9C<W
M,#EA#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+SAC8S9C965C7S0Y
M,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y82]7;W)K<VAE971S+U-H965T-#<N
M:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT
M86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S
M8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I
M=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E
M=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS
M1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C
M<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E
M<&]R="!I9#TS1$E$,$5"04%'/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@
M8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG/D%C
M8V]U;G1S(%)E8V5I=F%B;&4@86YD($QO86YS("A$971A:6QS(#<I("A5(%,@
M0V%R9"!397)V:6-E<R!;365M8F5R72P@55-$("0I/&)R/DEN($UI;&QI;VYS
M+"!U;FQE<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0R/C,@36]N=&AS($5N
M9&5D/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#(^
M.2!-;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q-#QB<CY!8V-O
M=6YT/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L
M(#(P,3,\8G(^06-C;W5N=#QB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,]
M,T1T:#Y397`N(#,P+"`R,#$T/&)R/D%C8V]U;G0\8G(^/"]T:#X-"B`@("`@
M("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q,SQB<CY!8V-O=6YT/&)R
M/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D9I
M;F%N8VEN9R!296-E:79A8FQE+"!-;V1I9FEC871I;VYS(%M,:6YE($ET96US
M73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^3G5M8F5R(&]F($%C8V]U;G1S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XS+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C4L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^."PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ."PP,#`\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%G9W)E9V%T960@3W5T
M<W1A;F1I;F<@0F%L86YC92!5<&]N(%!A>6UE;G0@1&5F875L=#PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`R.3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-#4\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#@W/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q-S$\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-A
M<F0@365M8F5R($QO86YS(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D9I;F%N8VEN9R!296-E:79A8FQE
M+"!-;V1I9FEC871I;VYS(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3G5M8F5R(&]F($%C8V]U
M;G1S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#`P,#QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0L,#`P
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M-BPP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XQ-2PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/D%G9W)E9V%T960@3W5T<W1A;F1I;F<@0F%L86YC92!5
M<&]N(%!A>6UE;G0@1&5F875L=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XS-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C8P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,3,X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y#87)D($UE;6)E<B!296-E:79A8FQE<R!;365M
M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T
M<F]N9SY&:6YA;F-I;F<@4F5C96EV86)L92P@36]D:69I8V%T:6]N<R!;3&EN
M92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/DYU;6)E<B!O9B!!8V-O=6YT<SPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,2PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L,#`P/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,RPP,#`\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%G9W)E9V%T
M960@3W5T<W1A;F1I;F<@0F%L86YC92!5<&]N(%!A>6UE;G0@1&5F875L=#PO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Y/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`X/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`R-SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,S,\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-
M"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7SAC8S9C
M965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y80T*0V]N=&5N="U,;V-A
M=&EO;CH@9FEL93HO+R]#.B\X8V,V8V5E8U\T.3!B7S0R9CE?.#)D,%\V83(S
M,3%F-S<P.6$O5V]R:W-H965T<R]3:&5E=#0X+FAT;6P-"D-O;G1E;G0M5')A
M;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP
M93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@
M(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@
M8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@
M='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO
M="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\
M8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%4D%!
M13X-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A
M;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY297-E<G9E<R!F;W(@3&]S<V5S
M("A$971A:6QS*2`H55-$("0I/&)R/DEN($UI;&QI;VYS+"!U;FQE<W,@;W1H
M97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C
M;&%S<STS1'1H(&-O;'-P86X],T0R/C,@36]N=&AS($5N9&5D/"]T:#X-"B`@
M("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#(^.2!-;VYT:',@16YD
M960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H
M(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q-#QB<CX\+W1H/@T*("`@("`@("`\
M=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$S/&)R/CPO=&@^#0H@("`@("`@
M(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\8G(^/"]T:#X-"B`@("`@
M("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q,SQB<CX\+W1H/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY#:&%N9V5S(&EN('1H
M92!#87)D($UE;6)E<B!R96-E:79A8FQE<R!R97-E<G9E(&9O<B!L;W-S97,\
M+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/D)A;&%N8V4L($IA;G5A<GD@,3PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XD(#,X-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/B0@-#(X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y#87)D($UE;6)E<B!R96-E:79A8FQE<R`M
M('!R;W9I<VEO;G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$Y
M-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C$U.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C4Y-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C0W-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^0V%R9"!-96UB97(@<F5C96EV86)L97,@+2!N970@=W)I
M=&4M;V9F<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@U,C<I
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH
M-3`W*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^0V%R9"!-96UB97(@<F5C96EV86)L97,@+2!O=&AE<CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@R,2D\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y"86QA;F-E+"!397!T
M96UB97(@,S`\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-#,R
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M)"`S.38\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XD(#0S,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/B0@,SDV/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM
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M:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV
M/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T
M/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$
M4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R
M:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P
M;W)T(&ED/3-$240P139%04,^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C
M;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0Q/CQS=')O;F<^4F5S
M97)V97,@9F]R($QO<W-E<R`H1&5T86EL<R`Q*2`H55-$("0I/&)R/DEN($UI
M;&QI;VYS+"!U;FQE<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO
M=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\8G(^
M/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB
M<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY#
M87)D($UE;6)E<B!296-E:79A8FQE<R!!;F0@4F5L871E9"!297-E<G9E<R!%
M=F%L=6%T960@4V5P87)A=&5L>2!A;F0@0V]L;&5C=&EV96QY($9O<B!);7!A
M:7)M96YT(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y#87)D($UE;6)E<B!R96-E:79A8FQE<R!E=F%L
M=6%T960@:6YD:79I9'5A;&QY(&9O<B!I;7!A:7)M96YT/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XD(#0T/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`U,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4F5S97)V97,@;VX@0V%R
M9"!-96UB97(@<F5C96EV86)L97,@979A;'5A=&5D(&EN9&EV:61U86QL>2!F
M;W(@:6UP86ER;65N=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,S(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XS.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^0V%R9"!-96UB97(@<F5C96EV86)L97,@979A;'5A=&5D(&-O;&QE
M8W1I=F5L>2!F;W(@:6UP86ER;65N=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^-#4L,#<S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^-#0L,3$S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y297-E<G9E<R!O;B!#87)D($UE;6)E
M<B!R96-E:79A8FQE<R!E=F%L=6%T960@8V]L;&5C=&EV96QY(&9O<B!I;7!A
M:7)M96YT/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#0P,#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@
M,S0X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B
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M/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4
M>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R
M:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$
M;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-
M"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P
M151$044^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O
M;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^4F5S97)V97,@9F]R($QO
M<W-E<R`H1&5T86EL<R`R*2`H55-$("0I/&)R/DEN($UI;&QI;VYS+"!U;FQE
M<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@
M(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0R/C,@36]N=&AS($5N9&5D/"]T
M:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#(^.2!-;VYT
M:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@
M("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q-#QB<CX\+W1H/@T*("`@
M("`@("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$S/&)R/CPO=&@^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\8G(^/"]T:#X-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q,SQB<CX\+W1H
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY#:&%N9V5S
M(&EN('1H92!#87)D($UE;6)E<B!L;V%N<R!R97-E<G9E(&9O<B!L;W-S97,\
M+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/D)A;&%N8V4L($IA;G5A<GD@,3PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XD(#$L,C8Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^)"`Q+#0W,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V%R9"!-96UB97(@;&]A;G,@+2!P
M<F]V:7-I;VYS/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR-C4\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR
M-#@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XW.3<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XX,C4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/D-A<F0@365M8F5R(&QO86YS(&YE="!W<FET92UO9F9S("T@
M<')I;F-I<&%L/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#<X
M-BD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M/B@X.#@I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y#87)D($UE;6)E<B!L;V%N<R!N970@=W)I=&4M;V9F<R`M(&EN
M=&5R97-T(&%N9"!F965S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6T^*#$R-"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M/B@Q,3,I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y#87)D($UE;6)E<B!L;V%N<R`M(&]T:&5R/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#(I/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,30I/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y"86QA;F-E+"!3
M97!T96UB97(@,S`\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@
M,2PQ-#8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XD(#$L,C@Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^)"`Q+#$T-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/B0@,2PR.#$\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL
M/@T*#0HM+2TM+2T]7TYE>'1087)T7SAC8S9C965C7S0Y,&)?-#)F.5\X,F0P
M7S9A,C,Q,68W-S`Y80T*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X
M8V,V8V5E8U\T.3!B7S0R9CE?.#)D,%\V83(S,3%F-S<P.6$O5V]R:W-H965T
M<R]3:&5E=#4Q+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U
M;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R
M<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!
M(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT
M;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C
M<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM
M96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@
M8VQA<W,],T1R97!O<G0@:60],T1)1#!%-D5!0SX-"B`@("`@(#QT<CX-"B`@
M("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#$^
M/'-T<F]N9SY297-E<G9E<R!&;W(@3&]S<V5S("A$971A:6QS(#,I("A54T0@
M)"D\8G(^26X@36EL;&EO;G,L('5N;&5S<R!O=&AE<G=I<V4@<W!E8VEF:65D
M/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S
M,"P@,C`Q-#QB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N
M(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#X\<W1R;VYG/D-A<F0@365M8F5R($QO86YS($%N9"!296QA=&5D(%)E<V5R
M=F5S($5V86QU871E9"!397!A<F%T96QY($%N9"!#;VQL96-T:79E;'D@1F]R
M($EM<&%I<FUE;G0@6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-A<F0@365M8F5R(&QO86YS(&5V86QU
M871E9"!I;F1I=FED=6%L;'D@9F]R(&EM<&%I<FUE;G0\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/B0@,S`Y/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`S-S@\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E)E<V5R=F5S(&]N($-A
M<F0@365M8F5R(&QO86YS(&5V86QU871E9"!I;F1I=FED=6%L;'D@9F]R(&EM
M<&%I<FUE;G0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C<P/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.#0\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/D-A<F0@365M8F5R(&QO86YS(&5V86QU871E9"!C;VQL96-T:79E;'D@9F]R
M(&EM<&%I<FUE;G0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8U
M+#<T.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C8V+#@V,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^4F5S97)V97,@;VX@0V%R9"!-96UB97(@;&]A;G,@979A
M;'5A=&5D(&-O;&QE8W1I=F5L>2!F;W(@:6UP86ER;65N=#PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q+#`W-CQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,2PQ-S<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y
M/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7SAC8S9C965C7S0Y,&)?
M-#)F.5\X,F0P7S9A,C,Q,68W-S`Y80T*0V]N=&5N="U,;V-A=&EO;CH@9FEL
M93HO+R]#.B\X8V,V8V5E8U\T.3!B7S0R9CE?.#)D,%\V83(S,3%F-S<P.6$O
M5V]R:W-H965T<R]3:&5E=#4R+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC
M;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H
M=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*
M("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS
M1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E
M>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@
M5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@
M("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%2#%!13X-"B`@("`@
M(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W
M<W!A;CTS1#(^/'-T<F]N9SY297-E<G9E<R!&;W(@3&]S<V5S("A$971A:6QS
M(%1E>'1U86QS*2`H55-$("0I/&)R/DEN($UI;&QI;VYS+"!U;FQE<W,@;W1H
M97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C
M;&%S<STS1'1H(&-O;'-P86X],T0R/CD@36]N=&AS($5N9&5D/"]T:#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H
M/E-E<"X@,S`L(#(P,30\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$
M=&@^4V5P+B`S,"P@,C`Q,SQB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^/'-T<F]N9SY!8V-O=6YT<RP@3F]T97,L($QO86YS(&%N9"!&
M:6YA;F-I;F<@4F5C96EV86)L92!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#87)D($UE;6)E<B!R
M96-E:79A8FQE<R`M(&]T:&5R/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M/B0@*#(Q*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/B0@,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^0V%R9"!-96UB97(@;&]A;G,@<F5S97)V97,@9F]R
M(&QO<W-E<R`M(&]T:&5R/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M/B@R*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6T^*#$T*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^06QL;W=A;F-E(&9O<B!#87)D($UE;6)E<B!296-E:79A8FQE
M<R!A;F0@4F5S97)V97,L(%)E8V]V97)I97,@;V8@0F%D($1E8G1S/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR-CD\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS,#0\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%L;&]W86YC92!F
M;W(@0V%R9"!-96UB97(@3&]A;G,L(%)E8V]V97)I97,@;V8@0F%D($1E8G1S
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS,C0\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS-#,\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%L;&]W
M86YC92!F;W(@0V%R9"!-96UB97(@4F5C96EV86)L97,L(%)E8V]V97)I97,@
M;V8@0F%D($1E8G1S("T@5$12/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XQ-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C$V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y!;&QO=V%N8V4@9F]R($-A<F0@365M8F5R($QO86YS+"!2
M96-O=F5R:65S(&]F($)A9"!$96)T<R`M(%1$4CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;3XH-2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XV/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y5;F%U=&AO<FEZ960@5')A;G-A8W1I;VYS
M(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M/'-T<F]N9SY!8V-O=6YT<RP@3F]T97,L($QO86YS(&%N9"!&:6YA;F-I;F<@
M4F5C96EV86)L92!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#87)D($UE;6)E<B!R96-E:79A8FQE
M<R`M(&]T:&5R/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@W*3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/D-A<F0@365M8F5R(&QO86YS(')E<V5R=F5S(&9O<B!L;W-S97,@+2!O=&AE
M<CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH-BD\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y&;W)E:6=N
M($-U<G)E;F-Y(%1R86YS;&%T:6]N($%D:G5S=&UE;G1S(%M-96UB97)=/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY!8V-O
M=6YT<RP@3F]T97,L($QO86YS(&%N9"!&:6YA;F-I;F<@4F5C96EV86)L92!;
M3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y#87)D($UE;6)E<B!R96-E:79A8FQE<R`M(&]T:&5R/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@V*3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#,I/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#87)D($UE;6)E
M<B!L;V%N<R!R97-E<G9E<R!F;W(@;&]S<V5S("T@;W1H97(\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6T^*#<I/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;3XH."D\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D]T:&5R($ET96US(%M-96UB
M97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N
M9SY!8V-O=6YT<RP@3F]T97,L($QO86YS(&%N9"!&:6YA;F-I;F<@4F5C96EV
M86)L92!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y#87)D($UE;6)E<B!R96-E:79A8FQE<R`M(&]T
M:&5R/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@X*3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-A<F0@
M365M8F5R(&QO86YS(')E<V5R=F5S(&9O<B!L;W-S97,@+2!O=&AE<CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q,3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^)"`H-BD\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y
M/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7SAC8S9C965C7S0Y,&)?
M-#)F.5\X,F0P7S9A,C,Q,68W-S`Y80T*0V]N=&5N="U,;V-A=&EO;CH@9FEL
M93HO+R]#.B\X8V,V8V5E8U\T.3!B7S0R9CE?.#)D,%\V83(S,3%F-S<P.6$O
M5V]R:W-H965T<R]3:&5E=#4S+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC
M;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H
M=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*
M("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS
M1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E
M>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@
M5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@
M("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%-$M!23X-"B`@("`@
M(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W
M<W!A;CTS1#(^/'-T<F]N9SY);G9E<W1M96YT(%-E8W5R:71I97,@*$1E=&%I
M;',I("A54T0@)"D\8G(^26X@36EL;&EO;G,L('5N;&5S<R!O=&AE<G=I<V4@
M<W!E8VEF:65D/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$
M=&@@8V]L<W!A;CTS1#$^.2!-;VYT:',@16YD960\+W1H/@T*("`@("`@("`\
M=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,3XQ,B!-;VYT:',@16YD960\+W1H
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S
M/3-$=&@^4V5P+B`S,"P@,C`Q-#QB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA
M<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#X\<W1R;VYG/E-C:&5D=6QE(&]F($%V86EL86)L92!F
M;W(@4V%L92!396-U<FET:65S(&)Y(%1Y<&4\+W-T<F]N9SX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#;W-T/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XD(#0L-C`R/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`T+#DS-3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1W)O<W,@56YR96%L
M:7IE9"!'86EN<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,34S
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,38U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y'<F]S<R!5;G)E86QI>F5D($QO<W-E<SPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;3XH-2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M/B@X-"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/D5S=&EM871E9"!&86ER(%9A;'5E/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT+#<U,#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4L,#$V/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y5+E,N
M(%-T871E<R!A;F0@4&]L:71I8V%L(%-U8F1I=FES:6]N<R!$96)T(%-E8W5R
M:71I97,@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/E-C:&5D=6QE(&]F($%V86EL86)L92!F;W(@4V%L92!3
M96-U<FET:65S(&)Y(%1Y<&4\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y#;W-T/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XS+#8R.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C0L,#8P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y'<F]S<R!5;G)E86QI>F5D($=A:6YS/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,S`\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU-#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1W)O<W,@56YR
M96%L:7IE9"!,;W-S97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^
M*#,I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;3XH-SDI/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y%<W1I;6%T960@1F%I<B!686QU93PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,RPW-34\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XT+#`S-3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^52Y3+B!';W9E<FYM96YT(&%G
M96YC>2!O8FQI9V%T:6]N<R!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4V-H961U;&4@;V8@079A:6QA8FQE
M(&9O<B!386QE(%-E8W5R:71I97,@8GD@5'EP93PO<W1R;VYG/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-O<W0\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XS/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y'<F]S<R!5;G)E86QI>F5D($=A:6YS
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1W)O<W,@56YR
M96%L:7IE9"!,;W-S97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XP/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y%<W1I;6%T960@1F%I<B!686QU93PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/E4N4RX@1V]V97)N;65N="!T<F5A<W5R>2!O8FQI
M9V%T:6]N<R!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/CQS=')O;F<^4V-H961U;&4@;V8@079A:6QA8FQE(&9O<B!386QE
M(%-E8W5R:71I97,@8GD@5'EP93PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/D-O<W0\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C,T-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C,Q.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^1W)O<W,@56YR96%L:7IE9"!'86EN<SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D=R;W-S(%5N<F5A;&EZ
M960@3&]S<V5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q*3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$I
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y%<W1I;6%T960@1F%I<B!686QU93PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,S0Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,S(P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y#;W)P;W)A=&4@9&5B="!S96-U<FET:65S(%M-
M96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T
M<F]N9SY38VAE9'5L92!O9B!!=F%I;&%B;&4@9F]R(%-A;&4@4V5C=7)I=&EE
M<R!B>2!4>7!E/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^0V]S=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,SD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XT,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^1W)O<W,@56YR96%L:7IE9"!'86EN<SPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/D=R;W-S(%5N<F5A;&EZ960@3&]S<V5S/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^17-T:6UA=&5D($9A
M:7(@5F%L=64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0R/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#8\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/DUO<G1G86=E+6)A8VME9"!S96-U<FET:65S(%M-96UB97)=/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY38VAE9'5L92!O
M9B!!=F%I;&%B;&4@9F]R(%-A;&4@4V5C=7)I=&EE<R!B>2!4>7!E/"]S=')O
M;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V]S=#PO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3,W/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,38P/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y'<F]S<R!5
M;G)E86QI>F5D($=A:6YS/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XW/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^1W)O<W,@56YR96%L:7IE9"!,;W-S97,\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M/B@Q*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^17-T:6UA=&5D($9A:7(@5F%L=64\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$T-#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$V-#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^17%U:71Y('-E
M8W5R:71I97,@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#X\<W1R;VYG/E-C:&5D=6QE(&]F($%V86EL86)L92!F;W(@4V%L
M92!396-U<FET:65S(&)Y(%1Y<&4\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y#;W-T/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,CD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/D=R;W-S(%5N<F5A;&EZ960@1V%I;G,\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XY-3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1W)O<W,@56YR96%L:7IE
M9"!,;W-S97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y%
M<W1I;6%T960@1F%I<B!686QU93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C$R-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^1F]R96EG;B!G;W9E<FYM96YT(&)O;F1S(&%N9"!O8FQI
M9V%T:6]N<R!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/CQS=')O;F<^4V-H961U;&4@;V8@079A:6QA8FQE(&9O<B!386QE
M(%-E8W5R:71I97,@8GD@5'EP93PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/D-O<W0\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C,Y.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C(W,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^1W)O<W,@56YR96%L:7IE9"!'86EN<SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D=R;W-S(%5N<F5A;&EZ
M960@3&]S<V5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,2D\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/D5S=&EM871E9"!&86ER(%9A;'5E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XT,#<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XR-S8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/D%V86EL86)E($9O<B!386QE(%-E8W5R:71I97,@
M3W1H97(@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/E-C:&5D=6QE(&]F($%V86EL86)L92!F;W(@4V%L92!3
M96-U<FET:65S(&)Y(%1Y<&4\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y#;W-T/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XU,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C4P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y'<F]S<R!5;G)E86QI>F5D($=A:6YS/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1W)O<W,@56YR96%L:7IE9"!,
M;W-S97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$I/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,BD\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D5S
M=&EM871E9"!&86ER(%9A;'5E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XD(#0Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^)"`T.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?
M3F5X=%!A<G1?.&-C-F-E96-?-#DP8E\T,F8Y7S@R9#!?-F$R,S$Q9C<W,#EA
M#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+SAC8S9C965C7S0Y,&)?
M-#)F.5\X,F0P7S9A,C,Q,68W-S`Y82]7;W)K<VAE971S+U-H965T-30N:'1M
M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L
M90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI
M(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS
M1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU
M=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H
M;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP
M=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R
M="!I9#TS1$E$,$5!3$)'/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA
M<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG/DEN=F5S
M=&UE;G0@4V5C=7)I=&EE<R`H1&5T86EL<R`Q*2`H55-$("0I/&)R/DEN($UI
M;&QI;VYS+"!U;FQE<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO
M=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0Q/CD@36]N
M=&AS($5N9&5D/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A
M;CTS1#$^,3(@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\
M8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q
M,SQB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N
M9SY!=F%I;&%B;&4M9F]R+7-A;&4@:6YV97-T;65N="!S96-U<FET:65S('=I
M=&@@9W)O<W,@=6YR96%L:7IE9"!L;W-S97,@86YD(&QE;F=T:"!O9B!T:6UE
M/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M17-T:6UA=&5D($9A:7(@5F%L=64L($QE<W,@=&AA;B`Q,B!M;VYT:',\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,3(W/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q+#<U.3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^17-T
M:6UA=&5D($9A:7(@5F%L=64L(#$R(&UO;G1H<R!O<B!M;W)E/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,#0\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,C,\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^079A:6QA
M8FQE+69O<BUS86QE(%-E8W5R:71I97,L($-O;G1I;G5O=7,@56YR96%L:7IE
M9"!,;W-S(%!O<VET:6]N+"!!9V=R96=A=&4@3&]S<V5S(%M!8G-T<F%C=%T\
M+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y'
M<F]S<R!5;G)E86QI>F5D($QO<W-E<RP@3&5S<R!T:&%N(#$R(&UO;G1H<SPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,2D\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@V-RD\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D=R;W-S(%5N
M<F5A;&EZ960@3&]S<V5S+"`Q,B!M;VYT:',@;W(@;6]R93PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;3XH-"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q-RD\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E4N4RX@4W1A=&5S(&%N9"!0
M;VQI=&EC86P@4W5B9&EV:7-I;VYS($1E8G0@4V5C=7)I=&EE<R!;365M8F5R
M73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^
M079A:6QA8FQE+69O<BUS86QE(&EN=F5S=&UE;G0@<V5C=7)I=&EE<R!W:71H
M(&=R;W-S('5N<F5A;&EZ960@;&]S<V5S(&%N9"!L96YG=&@@;V8@=&EM93PO
M<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D5S
M=&EM871E9"!&86ER(%9A;'5E+"!,97-S('1H86X@,3(@;6]N=&AS/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PS,C`\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D5S=&EM871E9"!&
M86ER(%9A;'5E+"`Q,B!M;VYT:',@;W(@;6]R93PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^-S(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XQ,#8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^079A:6QA8FQE+69O<BUS
M86QE(%-E8W5R:71I97,L($-O;G1I;G5O=7,@56YR96%L:7IE9"!,;W-S(%!O
M<VET:6]N+"!!9V=R96=A=&4@3&]S<V5S(%M!8G-T<F%C=%T\+W-T<F]N9SX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y'<F]S<R!5;G)E
M86QI>F5D($QO<W-E<RP@3&5S<R!T:&%N(#$R(&UO;G1H<SPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6T^*#8S*3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1W)O<W,@56YR96%L:7IE9"!,
M;W-S97,L(#$R(&UO;G1H<R!O<B!M;W)E/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M/B@S*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6T^*#$V*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^1F]R96EG;B!G;W9E<FYM96YT(&)O;F1S(&%N
M9"!O8FQI9V%T:6]N<R!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/CQS=')O;F<^079A:6QA8FQE+69O<BUS86QE(&EN=F5S
M=&UE;G0@<V5C=7)I=&EE<R!W:71H(&=R;W-S('5N<F5A;&EZ960@;&]S<V5S
M(&%N9"!L96YG=&@@;V8@=&EM93PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/D5S=&EM871E9"!&86ER(%9A;'5E+"!,97-S
M('1H86X@,3(@;6]N=&AS/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XP/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,C`X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y%<W1I;6%T960@1F%I<B!686QU92P@,3(@;6]N=&AS(&]R(&UO
M<F4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG
M/D%V86EL86)L92UF;W(M<V%L92!396-U<FET:65S+"!#;VYT:6YU;W5S(%5N
M<F5A;&EZ960@3&]S<R!0;W-I=&EO;BP@06=G<F5G871E($QO<W-E<R!;06)S
M=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^1W)O<W,@56YR96%L:7IE9"!,;W-S97,L($QE<W,@=&AA;B`Q,B!M
M;VYT:',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q*3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1W)O
M<W,@56YR96%L:7IE9"!,;W-S97,L(#$R(&UO;G1H<R!O<B!M;W)E/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^52Y3+B!';W9E<FYM96YT
M(&%G96YC>2!O8FQI9V%T:6]N<R!;365M8F5R73PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^079A:6QA8FQE+69O<BUS86QE
M(&EN=F5S=&UE;G0@<V5C=7)I=&EE<R!W:71H(&=R;W-S('5N<F5A;&EZ960@
M;&]S<V5S(&%N9"!L96YG=&@@;V8@=&EM93PO<W1R;VYG/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D5S=&EM871E9"!&86ER(%9A;'5E
M+"!,97-S('1H86X@,3(@;6]N=&AS/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ,C<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ-C8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/D5S=&EM871E9"!&86ER(%9A;'5E+"`Q,B!M;VYT
M:',@;W(@;6]R93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/CQS=')O;F<^079A:6QA8FQE+69O<BUS86QE(%-E8W5R:71I97,L($-O;G1I
M;G5O=7,@56YR96%L:7IE9"!,;W-S(%!O<VET:6]N+"!!9V=R96=A=&4@3&]S
M<V5S(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y'<F]S<R!5;G)E86QI>F5D($QO<W-E<RP@3&5S<R!T
M:&%N(#$R(&UO;G1H<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH
M,2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M/B@Q*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^1W)O<W,@56YR96%L:7IE9"!,;W-S97,L(#$R(&UO;G1H<R!O<B!M
M;W)E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^36]R=&=A
M9V4M8F%C:V5D('-E8W5R:71I97,@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D%V86EL86)L92UF;W(M<V%L
M92!I;G9E<W1M96YT('-E8W5R:71I97,@=VET:"!G<F]S<R!U;G)E86QI>F5D
M(&QO<W-E<R!A;F0@;&5N9W1H(&]F('1I;64\+W-T<F]N9SX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y%<W1I;6%T960@1F%I<B!686QU
M92P@3&5S<R!T:&%N(#$R(&UO;G1H<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C,U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y%<W1I;6%T960@1F%I<B!686QU92P@,3(@;6]N=&AS
M(&]R(&UO<F4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\
M<W1R;VYG/D%V86EL86)L92UF;W(M<V%L92!396-U<FET:65S+"!#;VYT:6YU
M;W5S(%5N<F5A;&EZ960@3&]S<R!0;W-I=&EO;BP@06=G<F5G871E($QO<W-E
M<R!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^1W)O<W,@56YR96%L:7IE9"!,;W-S97,L($QE<W,@=&AA
M;B`Q,B!M;VYT:',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q
M*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^1W)O<W,@56YR96%L:7IE9"!,;W-S97,L(#$R(&UO;G1H<R!O<B!M;W)E
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3W1H97(@6TUE
M;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R
M;VYG/D%V86EL86)L92UF;W(M<V%L92!I;G9E<W1M96YT('-E8W5R:71I97,@
M=VET:"!G<F]S<R!U;G)E86QI>F5D(&QO<W-E<R!A;F0@;&5N9W1H(&]F('1I
M;64\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y%<W1I;6%T960@1F%I<B!686QU92P@3&5S<R!T:&%N(#$R(&UO;G1H<SPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y%<W1I;6%T960@
M1F%I<B!686QU92P@,3(@;6]N=&AS(&]R(&UO<F4\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C,R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,3<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^079A:6QA8FQE+69O<BUS
M86QE(%-E8W5R:71I97,L($-O;G1I;G5O=7,@56YR96%L:7IE9"!,;W-S(%!O
M<VET:6]N+"!!9V=R96=A=&4@3&]S<V5S(%M!8G-T<F%C=%T\+W-T<F]N9SX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y'<F]S<R!5;G)E
M86QI>F5D($QO<W-E<RP@3&5S<R!T:&%N(#$R(&UO;G1H<SPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6T^*#$I/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y'<F]S<R!5;G)E86QI>F5D($QO
M<W-E<RP@,3(@;6]N=&AS(&]R(&UO<F4\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6T^)"`H,2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M/B0@*#$I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM
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M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q
M=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R
M<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C
M/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO
M<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$
M<F5P;W)T(&ED/3-$240P141#0D<^#0H@("`@("`\='(^#0H@("`@("`@(#QT
M:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^
M26YV97-T;65N="!396-U<FET:65S("A$971A:6QS(#(I("A54T0@)"D\8G(^
M26X@36EL;&EO;G,L('5N;&5S<R!O=&AE<G=I<V4@<W!E8VEF:65D/"]S=')O
M;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#$^
M.2!-;VYT:',@16YD960\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C
M;VQS<&%N/3-$,3XQ,B!-;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@
M,C`Q-#QB<CYS96-U<FET:65S/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S
M<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^<V5C=7)I=&EE<SQB<CX\+W1H/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY!=F%I;&%B;&4@
M1F]R(%-A;&4@4V5C=7)I=&EE<R!#;VYT:6YU;W5S(%5N<F5A;&EZ960@3&]S
M<R!0;W-I=&EO;B!1=6%L:71A=&EV92!$:7-C;&]S=7)E(%M!8G-T<F%C=%T\
M+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.
M=6UB97(@;V8@<V5C=7)I=&EE<RP@;&5S<R!T:&%N(#$R(&UO;G1H<SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-CQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(T,3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3G5M8F5R(&]F('-E
M8W5R:71I97,L(#$R(&UO;G1H<R!O<B!M;W)E/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C$Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F]U/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^3G5M8F5R(&]F('-E8W5R:71I97,L('1O
M=&%L/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR,SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(U,CQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T
M<F]N9SY!=F%I;&%B;&4M9F]R+7-A;&4@4V5C=7)I=&EE<RP@0V]N=&EN=6]U
M<R!5;G)E86QI>F5D($QO<W,@4&]S:71I;VXL($9A:7(@5F%L=64@6T%B<W1R
M86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D5S=&EM871E9"!&86ER(%9A;'5E+"!,97-S('1H86X@,3(@;6]N=&AS
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$R-SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,2PW-3D\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/D5S=&EM871E9"!&86ER(%9A;'5E+"`Q,B!M;VYT:',@;W(@;6]R93PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3`T/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3(S/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F]U/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^17-T:6UA=&5D
M($9A:7(@5F%L=64L(%1O=&%L/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XR,S$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ+#@X,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^/'-T<F]N9SY!=F%I;&%B;&4M9F]R+7-A;&4@4V5C
M=7)I=&EE<RP@0V]N=&EN=6]U<R!5;G)E86QI>F5D($QO<W,@4&]S:71I;VXL
M($%G9W)E9V%T92!,;W-S97,@6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D=R;W-S(%5N<F5A;&EZ960@
M3&]S<V5S+"!,97-S('1H86X@,3(@;6]N=&AS/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M/B@Q*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6T^*#8W*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^1W)O<W,@56YR96%L:7IE9"!,;W-S97,L
M(#$R(&UO;G1H<R!O<B!M;W)E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M/B@T*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6T^*#$W*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/D=R;W-S(%5N<F5A;&EZ960@3&]S<V5S+"!4;W1A;#PO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH-2D\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@X-"D\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E)A=&EO($]F
M($9A:7(@5F%L=64@5&\@06UO<G1I>F5D($-O<W0@0F5T=V5E;B!.:6YE='D@
M06YD($]N92!(=6YD<F5D(%!E<F-E;G0@6TUE;6)E<ET\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D%V86EL86)L92!&;W(@
M4V%L92!396-U<FET:65S($-O;G1I;G5O=7,@56YR96%L:7IE9"!,;W-S(%!O
M<VET:6]N(%%U86QI=&%T:79E($1I<V-L;W-U<F4@6T%B<W1R86-T73PO<W1R
M;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYU;6)E
M<B!O9B!S96-U<FET:65S+"!L97-S('1H86X@,3(@;6]N=&AS/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XV/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C(X/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.=6UB97(@;V8@<V5C=7)I
M=&EE<RP@,3(@;6]N=&AS(&]R(&UO<F4\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E=3X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/DYU;6)E<B!O9B!S96-U<FET:65S+"!T;W1A;#PO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C,\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR,S0\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^
M079A:6QA8FQE+69O<BUS86QE(%-E8W5R:71I97,L($-O;G1I;G5O=7,@56YR
M96%L:7IE9"!,;W-S(%!O<VET:6]N+"!&86ER(%9A;'5E(%M!8G-T<F%C=%T\
M+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y%
M<W1I;6%T960@1F%I<B!686QU92P@3&5S<R!T:&%N(#$R(&UO;G1H<SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3(W/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PV-C4\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D5S=&EM871E
M9"!&86ER(%9A;'5E+"`Q,B!M;VYT:',@;W(@;6]R93PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,3`T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,C0\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R974^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y%<W1I;6%T960@1F%I<B!686QU
M92P@5&]T86P\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(S,3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L
M-C@Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/D%V86EL86)L92UF;W(M<V%L92!396-U<FET:65S+"!#
M;VYT:6YU;W5S(%5N<F5A;&EZ960@3&]S<R!0;W-I=&EO;BP@06=G<F5G871E
M($QO<W-E<R!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^1W)O<W,@56YR96%L:7IE9"!,;W-S97,L($QE
M<W,@=&AA;B`Q,B!M;VYT:',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6T^*#$I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;3XH-3,I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y'<F]S<R!5;G)E86QI>F5D($QO<W-E<RP@,3(@;6]N=&AS
M(&]R(&UO<F4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#0I/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,BD\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R974^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y'<F]S<R!5;G)E86QI>F5D($QO<W-E<RP@5&]T86P\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6T^*#4I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;3XH-34I/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y2871I;R!/9B!&86ER(%9A;'5E
M(%1O($%M;W)T:7IE9"!#;W-T($QE<W,@5&AA;B!.:6YE='D@4&5R8V5N="!;
M365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS
M=')O;F<^079A:6QA8FQE($9O<B!386QE(%-E8W5R:71I97,@0V]N=&EN=6]U
M<R!5;G)E86QI>F5D($QO<W,@4&]S:71I;VX@475A;&ET871I=F4@1&ES8VQO
M<W5R92!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^3G5M8F5R(&]F('-E8W5R:71I97,L(&QE<W,@=&AA
M;B`Q,B!M;VYT:',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ
M,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^3G5M8F5R(&]F('-E8W5R:71I97,L(#$R(&UO;G1H<R!O<B!M;W)E/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O=3X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYU;6)E<B!O9B!S
M96-U<FET:65S+"!T;W1A;#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#X\<W1R;VYG/D%V86EL86)L92UF;W(M<V%L92!396-U<FET:65S
M+"!#;VYT:6YU;W5S(%5N<F5A;&EZ960@3&]S<R!0;W-I=&EO;BP@1F%I<B!6
M86QU92!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^17-T:6UA=&5D($9A:7(@5F%L=64L($QE<W,@=&AA
M;B`Q,B!M;VYT:',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XY
M-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^17-T:6UA=&5D($9A:7(@5F%L=64L(#$R(&UO;G1H<R!O<B!M;W)E/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.3D\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;W4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y%<W1I;6%T960@
M1F%I<B!686QU92P@5&]T86P\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XQ.3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/CQS=')O;F<^079A:6QA8FQE+69O<BUS86QE(%-E8W5R:71I
M97,L($-O;G1I;G5O=7,@56YR96%L:7IE9"!,;W-S(%!O<VET:6]N+"!!9V=R
M96=A=&4@3&]S<V5S(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y'<F]S<R!5;G)E86QI>F5D($QO<W-E
M<RP@3&5S<R!T:&%N(#$R(&UO;G1H<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6T^*#$T*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^1W)O<W,@56YR96%L:7IE9"!,;W-S97,L(#$R(&UO
M;G1H<R!O<B!M;W)E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH
M,34I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F]U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^1W)O<W,@56YR96%L:7IE9"!,;W-S97,L(%1O=&%L/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;3XD("@R.2D\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H
M=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7SAC8S9C965C7S0Y,&)?-#)F.5\X
M,F0P7S9A,C,Q,68W-S`Y80T*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#
M.B\X8V,V8V5E8U\T.3!B7S0R9CE?.#)D,%\V83(S,3%F-S<P.6$O5V]R:W-H
M965T<R]3:&5E=#4V+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z
M('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C
M:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-
M151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT
M+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V
M87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#
M;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B
M;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%24Q!0SX-"B`@("`@(#QT<CX-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS
M1#$^/'-T<F]N9SY);G9E<W1M96YT(%-E8W5R:71I97,@*$1E=&%I;',@,RD@
M*%531"`D*3QB<CY);B!-:6QL:6]N<RP@=6YL97-S(&]T:&5R=VES92!S<&5C
M:69I960\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y3
M97`N(#,P+"`R,#$T/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/D%V86EL86)L92!&;W(@4V%L92!396-U<FET:65S($1E
M8G0@36%T=7)I=&EE<R!!;6]R=&EZ960@0V]S="!;06)S=')A8W1=/"]S=')O
M;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y$=64@=VET
M:&EN(#$@>65A<CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`U
M-SD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D1U92!A9G1E<B`Q('EE87(@8G5T('=I=&AI;B`U('EE87)S/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT,S4\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D1U92!A9G1E<B`U('EE
M87)S(&)U="!W:71H:6X@,3`@>65A<G,\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C(S-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^1'5E(&%F=&5R(#$P('EE87)S/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XS+#,P,SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O=3X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1O=&%L/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XT+#4U,CQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY%<W1I;6%T960@
M1F%I<B!686QU93PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^17-T:6UA=&5D($9A:7(@5F%L=64L($1U92!W:71H:6X@,2!Y
M96%R/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU.#`\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D5S=&EM
M871E9"!&86ER(%9A;'5E+"!$=64@869T97(@,2!Y96%R(&)U="!W:71H:6X@
M-2!Y96%R<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#0R/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y%
M<W1I;6%T960@1F%I<B!686QU92P@1'5E(&%F=&5R(#4@>65A<G,@8G5T('=I
M=&AI;B`Q,"!Y96%R<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,C4Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y%<W1I;6%T960@1F%I<B!686QU92P@1'5E(&%F=&5R(#$P('EE87)S
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS+#0R-SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1O=&%L
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#0L-S`P/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO
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M>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A
M9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E
M;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4]
M,T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M
M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^
M#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P131.04,^#0H@
M("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q
M(')O=W-P86X],T0R/CQS=')O;F<^26YV97-T;65N="!396-U<FET:65S("A$
M971A:6QS(%1E>'1U86QS*2`H55-$("0I/&)R/DEN($UI;&QI;VYS+"!U;FQE
M<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@
M(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0R/C,@36]N=&AS($5N9&5D/"]T
M:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#(^.2!-;VYT
M:',@16YD960\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N
M/3-$,3XQ,B!-;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q-#QB
M<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$S
M/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P
M,30\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@
M,C`Q,SQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q
M+"`R,#$S/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\
M<W1R;VYG/DEN=F5S=&UE;G0@4V5C=7)I=&EE<R`H1&5T86EL<RD@6T%B<W1R
M86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/D]T:&5R+71H86XM=&5M<&]R87)Y(&EM<&%I<FUE;G1S(')E8V]G
M;FEZ960@9'5R:6YG('1H92!P97)I;V0\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^)"`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/B0@,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^1V%I;B!O;B!S86QE(&]F('-E8W5R:71I
M97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(P/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,S<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,#`\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,#(\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y,;W-S97,@;VX@<V%L92!O9B!S96-U<FET:65S/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XD(#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XD(#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#`\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#`\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO
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M8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\
M345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X
M="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA
M=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@
M0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A
M8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P15%"044^#0H@("`@("`\='(^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X]
M,T0Q/CQS=')O;F<^07-S970@4V5C=7)I=&EZ871I;VYS("A$971A:6QS*2`H
M55-$("0I/&)R/DEN($UI;&QI;VYS+"!U;FQE<W,@;W1H97)W:7-E('-P96-I
M9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E
M<"X@,S`L(#(P,30\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^
M1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^/'-T<F]N9SY!<W-E=',@9G)O;2!4<G5S=',@6TQI;F4@271E;7-=
M/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M4F5S=')I8W1E9"!C87-H/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XD(#0T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^)"`U.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^06UE<FEC86X@17AP<F5S<R!#:&%R9V4@5')U<W0@6TUE
M;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R
M;VYG/D%S<V5T<R!F<F]M(%1R=7-T<R!;3&EN92!)=&5M<UT\+W-T<F]N9SX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y297-T<FEC=&5D
M(&-A<V@\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!;65R
M:6-A;B!%>'!R97-S($QE;F1I;F<@5')U<W0@6TUE;6)E<ET\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D%S<V5T<R!F<F]M
M(%1R=7-T<R!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y297-T<FEC=&5D(&-A<V@\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-#,\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#4V/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO
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M8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\
M345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X
M="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA
M=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@
M0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A
M8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P14I"04,^#0H@("`@("`\='(^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X]
M,T0Q/CQS=')O;F<^07-S970@4V5C=7)I=&EZ871I;VYS("A$971A:6QS(%1E
M>'1U86QS*2`H06UE<FEC86X@17AP<F5S<R!4<F%V96P@4F5L871E9"!397)V
M:6-E<R!#;VUP86YY($EN8R!;365M8F5R72P@55-$("0I/&)R/DEN($)I;&QI
M;VYS+"!U;FQE<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\8G(^/"]T
M:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%M97)I8V%N($5X<')E
M<W,@5')A=F5L(%)E;&%T960@4V5R=FEC97,@0V]M<&%N>2!);F,@6TUE;6)E
M<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^
M4V5C=7)I=&EZ960@5')U<W1S(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4W5B;W)D:6YA=&5D('-E
M8W5R:71I97,@;W=N960\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/B0@,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A
M8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?
M.&-C-F-E96-?-#DP8E\T,F8Y7S@R9#!?-F$R,S$Q9C<W,#EA#0I#;VYT96YT
M+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+SAC8S9C965C7S0Y,&)?-#)F.5\X,F0P
M7S9A,C,Q,68W-S`Y82]7;W)K<VAE971S+U-H965T-C`N:'1M;`T*0V]N=&5N
M="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N
M="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M
M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M
M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C
M<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@
M1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^
M#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$
M,$4V1T%%/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C
M;VQS<&%N/3-$,2!R;W=S<&%N/3-$,3X\<W1R;VYG/D-U<W1O;65R($1E<&]S
M:71S("A$971A:6QS*2`H55-$("0I/&)R/DEN($UI;&QI;VYS+"!U;FQE<W,@
M;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT
M:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\8G(^/"]T:#X-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY5+E,N.CPO<W1R;VYG/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN=&5R97-T+6)E
M87)I;F<\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-#$L.#@S
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M)"`T,"PX,S$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/DYO;BUI;G1E<F5S="UB96%R:6YG/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XS,S8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XS-C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^3F]N+54N4RXZ/"]S
M=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YT
M97)E<W0M8F5A<FEN9SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,3`X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,3(Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y.;VXM:6YT97)E<W0M8F5A<FEN9SPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,S<V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^-#4Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F5U/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P@8W5S=&]M97(@9&5P;W-I
M=',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0R+#<P,SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0Q+#<V
M,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^0V%R9"!-96UB97(@0W)E9&ET($)A;&%N8V5S(%M-96UB97)=/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY5+E,N.CPO
M<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYO
M;BUI;G1E<F5S="UB96%R:6YG/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XS,#0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XS-#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/CQS=')O;F<^3F]N+54N4RXZ/"]S=')O;F<^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F]N+6EN=&5R97-T+6)E
M87)I;F<\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,S8Q/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`T
M,S<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L
M93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7SAC
M8S9C965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y80T*0V]N=&5N="U,
M;V-A=&EO;CH@9FEL93HO+R]#.B\X8V,V8V5E8U\T.3!B7S0R9CE?.#)D,%\V
M83(S,3%F-S<P.6$O5V]R:W-H965T<R]3:&5E=#8Q+FAT;6P-"D-O;G1E;G0M
M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M
M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^
M#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT+51Y
M<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I
M<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O
M($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*
M("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%
M04Q!0SX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L
M<W!A;CTS1#$@<F]W<W!A;CTS1#$^/'-T<F]N9SY#=7-T;VUE<B!$97!O<VET
M<R`H1&5T86EL<R`Q*2`H55-$("0I/&)R/DEN($UI;&QI;VYS+"!U;FQE<W,@
M;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT
M:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\8G(^/"]T:#X-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY5+E,N(')E=&%I;"!D97!O
M<VET<SH\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y3879I;F=S(&%C8V]U;G1S("T@1&ER96-T/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XD(#(V+#(T.#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,C0L-34P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#97)T:69I8V%T
M97,@;V8@9&5P;W-I="`M($1I<F5C=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,S4U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^-#@Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y#97)T:69I8V%T97,@;V8@9&5P;W-I="`M(%1H
M:7)D('!A<G1Y/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV+#,W
M,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C8L.3(Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y3=V5E<"!A8V-O=6YT<R`M(%1H:7)D('!A<G1Y/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XX+#DP.3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C@L.#8S/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.;VXM52Y3+B!D
M97!O<VET<R!A;F0@52Y3+B!N;VXM:6YT97)E<W0@8F5A<FEN9R!D97!O<VET
M<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,34U/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,34U/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#87)D
M($UE;6)E<B!C<F5D:70@8F%L86YC97,@+2!5+E,N(&%N9"!N;VXM52Y3+CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-C8U/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-S<W/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F]U
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P@
M8W5S=&]M97(@9&5P;W-I=',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/B0@-#(L-S`S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^)"`T,2PW-C,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM
M+2TM+2T]7TYE>'1087)T7SAC8S9C965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q
M,68W-S`Y80T*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X8V,V8V5E
M8U\T.3!B7S0R9CE?.#)D,%\V83(S,3%F-S<P.6$O5V]R:W-H965T<R]3:&5E
M=#8R+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP
M<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U
M<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M
M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H
M87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S
M<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO
M/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,]
M,T1R97!O<G0@:60],T1)1#!%5U9!13X-"B`@("`@(#QT<CX-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#$^/'-T<F]N
M9SY#=7-T;VUE<B!$97!O<VET<R`H1&5T86EL<R`R*2`H55-$("0I/&)R/CPO
M<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L
M(#(P,30\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS
M=')O;F<^5&EM92!$97!O<VET<R!">2!-871U<FET>3PO<W1R;VYG/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^,C`Q-#PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q+#`W-BPP,#`L,#`P/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#XR,#$U/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#(V,RPP,#`L,#`P/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#XR
M,#$V/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#8X-"PP,#`L
M,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#XR,#$W/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XY,S<L
M,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^,C`Q.#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,2PP.#DL,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^069T97(@-2!Y96%R<SPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^-C@T+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;W4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A;#PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^-BPW,S,L,#`P+#`P,#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^56YI=&5D(%-T
M871E<R!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^/'-T<F]N9SY4:6UE($1E<&]S:71S($)Y($UA='5R:71Y/"]S=')O;F<^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#XR,#$T/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#`W,RPP,#`L,#`P/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#XR,#$U
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#(U.2PP,#`L,#`P
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#XR,#$V/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#8X-"PP
M,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#XR,#$W/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XY
M,S<L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^,C`Q.#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,2PP.#DL,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^069T97(@-2!Y96%R<SPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^-C@T+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R974^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A;#PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-BPW,C8L,#`P+#`P,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F]N(%5N
M:71E9"!3=&%T97,@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/CQS=')O;F<^5&EM92!$97!O<VET<R!">2!-871U<FET>3PO
M<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^,C`Q
M-#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,RPP,#`L,#`P/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#XR
M,#$U/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT+#`P,"PP,#`\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/C(P,38\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/C(P,3<\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/C(P,3@\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%F=&5R(#4@>65A<G,\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;W4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A;#PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`W+#`P,"PP,#`\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y
M/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7SAC8S9C965C7S0Y,&)?
M-#)F.5\X,F0P7S9A,C,Q,68W-S`Y80T*0V]N=&5N="U,;V-A=&EO;CH@9FEL
M93HO+R]#.B\X8V,V8V5E8U\T.3!B7S0R9CE?.#)D,%\V83(S,3%F-S<P.6$O
M5V]R:W-H965T<R]3:&5E=#8S+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC
M;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H
M=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*
M("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS
M1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E
M>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@
M5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@
M("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%-D-!0SX-"B`@("`@
M(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W
M<W!A;CTS1#$^/'-T<F]N9SY#=7-T;VUE<B!$97!O<VET<R`H1&5T86EL<R`S
M*2`H55-$("0I/&)R/DEN($UI;&QI;VYS+"!U;FQE<W,@;W1H97)W:7-E('-P
M96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H
M/E-E<"X@,S`L(#(P,30\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$
M=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^/'-T<F]N9SY4:6UE($1E<&]S:71S(#$P,#`P,"!/<B!-;W)E
M(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y5+E,N/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XD(#$Q-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/B0@,30X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y.;VXM52Y3+CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;W4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y4;W1A;#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^)"`Q,3<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XD(#$T.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM
M+3U?3F5X=%!A<G1?.&-C-F-E96-?-#DP8E\T,F8Y7S@R9#!?-F$R,S$Q9C<W
M,#EA#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+SAC8S9C965C7S0Y
M,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y82]7;W)K<VAE971S+U-H965T-C0N
M:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT
M86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S
M8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I
M=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E
M=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS
M1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C
M<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E
M<&]R="!I9#TS1$E$,$536D))/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@
M8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,3X\<W1R;VYG/D1E
M<FEV871I=F5S(&%N9"!(961G:6YG($%C=&EV:71I97,@*$1E=&%I;',I("A5
M4T0@)"D\8G(^26X@36EL;&EO;G,L('5N;&5S<R!O=&AE<G=I<V4@<W!E8VEF
M:65D/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P
M+B`S,"P@,C`Q-#QB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$
M96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/D1E<FEV871I=F5S+"!&86ER(%9A;'5E(%M,:6YE($ET
M96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/E1O=&%L(&9A:7(@=F%L=64@;V8@9&5R:79A=&EV97,@87-S971S/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#@R,CQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-S`Q/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A
M;"!F86ER('9A;'5E(&]F(&1E<FEV871I=F5S(&QI86)I;'1I97,\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(T-CQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(Q,SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4FES:R!%>'!O<W5R
M92!,;W<@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/D1E<FEV871I=F5S+"!&86ER(%9A;'5E(%M,:6YE($ET
M96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/E1O=&%L(&1E<FEV871I=F4@87-S971S+"!N970\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C0V,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1O=&%L(&1E<FEV871I=F4@;&EA
M8FEL:71I97,L(&YE=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/CQS=')O;F<^1&5R:79A=&EV92!;3&EN92!)=&5M<UT\+W-T<F]N9SX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A;"!D97)I
M=F%T:79E(&%S<V5T<RP@;F5T/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XT-C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y4;W1A;"!D97)I=F%T:79E(&QI86)I;&ET:65S+"!N970\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);F1I=FED=6%L
M;'D@4VEG;FEF:6-A;G0@0V]U;G1E<G!A<G1I97,@6TUE;6)E<ET\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D1E<FEV871I
M=F5S+"!&86ER(%9A;'5E(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1O=&%L(&1E<FEV871I=F4@
M87-S971S+"!N970\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y4;W1A;"!D97)I=F%T:79E(&QI86)I;&ET:65S+"!N970\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D1E<FEV871I=F4@
M6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^5&]T86P@9&5R:79A=&EV92!A<W-E=',L(&YE=#PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1O=&%L(&1E<FEV871I
M=F4@;&EA8FEL:71I97,L(&YE=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/D]T:&5R($%S<V5T<R!;365M8F5R73PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^1&5R:79A=&EV97,L($9A
M:7(@5F%L=64@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P@9F%I<B!V86QU92!O9B!D97)I
M=F%T:79E<R!A<W-E=',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C@R,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C<P,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^0V%S:"!C;VQL871E<F%L(&YE='1I;F<\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6T^*#$R-2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M/B@S,S8I/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y$97)I=F%T:79E(&%S<V5T
M(&%N9"!L:6%B:6QI='D@;F5T=&EN9SPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;3XH,3(V*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6T^*#,V*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^5&]T86P@9&5R:79A=&EV92!A<W-E=',L(&YE
M=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-3<Q/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,S(Y/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R
M;VYG/D1E<FEV871I=F4@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P@9&5R:79A=&EV92!A
M<W-E=',L(&YE=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-3<Q
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,S(Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y/=&AE<B!!<W-E=',@6TUE;6)E<ET@?"!$97-I9VYA=&5D(&%S($AE
M9&=I;F<@26YS=')U;65N="!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^1&5R:79A=&EV97,L($9A:7(@5F%L
M=64@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^5&]T86P@9F%I<B!V86QU92!O9B!D97)I=F%T:79E
M<R!A<W-E=',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8Y,SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8S
M-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^3W1H97(@07-S971S(%M-96UB97)=('P@1F]R96EG;B!E>&-H86YG92!C
M;VYT<F%C=',@6TUE;6)E<ET@?"!.;W0@1&5S:6=N871E9"!A<R!(961G:6YG
M($EN<W1R=6UE;G0@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#X\<W1R;VYG/D1E<FEV871I=F5S+"!&86ER(%9A;'5E(%M,
M:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/E1O=&%L(&9A:7(@=F%L=64@;V8@9&5R:79A=&EV97,@87-S
M971S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,CD\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV-#QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3W1H
M97(@07-S971S(%M-96UB97)=('P@1F%I<B!686QU92!(961G:6YG(%M-96UB
M97)=('P@26YT97)E<W0@4F%T92!#;VYT<F%C="!;365M8F5R72!\($1E<VEG
M;F%T960@87,@2&5D9VEN9R!);G-T<G5M96YT(%M-96UB97)=/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY$97)I=F%T:79E
M<RP@1F%I<B!686QU92!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A;"!F86ER('9A;'5E(&]F
M(&1E<FEV871I=F5S(&%S<V5T<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,S`Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^-#4U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y/=&AE<B!!<W-E=',@6TUE;6)E<ET@?"!&86ER(%9A
M;'5E($AE9&=I;F<@6TUE;6)E<ET@?"!4;W1A;"!2971U<FX@4W=A<"!;365M
M8F5R72!\($1E<VEG;F%T960@87,@2&5D9VEN9R!);G-T<G5M96YT(%M-96UB
M97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N
M9SY$97)I=F%T:79E<RP@1F%I<B!686QU92!;3&EN92!)=&5M<UT\+W-T<F]N
M9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A;"!F
M86ER('9A;'5E(&]F(&1E<FEV871I=F5S(&%S<V5T<SPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/D]T:&5R($%S<V5T<R!;365M8F5R72!\
M($YE="!);G9E<W1M96YT($AE9&=I;F<@6TUE;6)E<ET@?"!&;W)E:6=N(&5X
M8VAA;F=E(&-O;G1R86-T<R!;365M8F5R72!\($1E<VEG;F%T960@87,@2&5D
M9VEN9R!);G-T<G5M96YT(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^/'-T<F]N9SY$97)I=F%T:79E<RP@1F%I<B!686QU
M92!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y4;W1A;"!F86ER('9A;'5E(&]F(&1E<FEV871I=F5S
M(&%S<V5T<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,S@T/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3<T
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y/=&AE<B!,:6%B:6QI=&EE<R!;365M8F5R73PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^1&5R:79A=&EV97,L($9A:7(@
M5F%L=64@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^5&]T86P@9F%I<B!V86QU92!O9B!D97)I=F%T
M:79E<R!L:6%B:6QT:65S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XR-#8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XR,3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/D-A<V@@8V]L;&%T97)A;"!N971T:6YG/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M/B@R-RD\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y$97)I=F%T:79E(&%S<V5T(&%N
M9"!L:6%B:6QI='D@;F5T=&EN9SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;3XH,3(V*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6T^*#,V*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^5&]T86P@9&5R:79A=&EV92!L:6%B:6QI=&EE<RP@
M;F5T/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XY,SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$W-SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T
M<F]N9SY$97)I=F%T:79E(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1O=&%L(&1E<FEV871I=F4@
M;&EA8FEL:71I97,L(&YE=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^.3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XQ-S<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/D]T:&5R($QI86)I;&ET:65S(%M-96UB97)=('P@1&5S:6=N
M871E9"!A<R!(961G:6YG($EN<W1R=6UE;G0@6TUE;6)E<ET\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D1E<FEV871I=F5S
M+"!&86ER(%9A;'5E(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1O=&%L(&9A:7(@=F%L=64@;V8@
M9&5R:79A=&EV97,@;&EA8FEL=&EE<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^.#0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ,3@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/D]T:&5R($QI86)I;&ET:65S(%M-96UB97)=('P@
M1F]R96EG;B!E>&-H86YG92!C;VYT<F%C=',@6TUE;6)E<ET@?"!.;W0@1&5S
M:6=N871E9"!A<R!(961G:6YG($EN<W1R=6UE;G0@6TUE;6)E<ET\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D1E<FEV871I
M=F5S+"!&86ER(%9A;'5E(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1O=&%L(&9A:7(@=F%L=64@
M;V8@9&5R:79A=&EV97,@;&EA8FEL=&EE<SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,38R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^.34\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/D]T:&5R($QI86)I;&ET:65S(%M-96UB97)=
M('P@1F%I<B!686QU92!(961G:6YG(%M-96UB97)=('P@26YT97)E<W0@4F%T
M92!#;VYT<F%C="!;365M8F5R72!\($1E<VEG;F%T960@87,@2&5D9VEN9R!)
M;G-T<G5M96YT(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^/'-T<F]N9SY$97)I=F%T:79E<RP@1F%I<B!686QU92!;3&EN
M92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y4;W1A;"!F86ER('9A;'5E(&]F(&1E<FEV871I=F5S(&QI86)I
M;'1I97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(W/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,CQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3W1H
M97(@3&EA8FEL:71I97,@6TUE;6)E<ET@?"!&86ER(%9A;'5E($AE9&=I;F<@
M6TUE;6)E<ET@?"!4;W1A;"!2971U<FX@4W=A<"!;365M8F5R72!\($1E<VEG
M;F%T960@87,@2&5D9VEN9R!);G-T<G5M96YT(%M-96UB97)=/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY$97)I=F%T:79E
M<RP@1F%I<B!686QU92!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A;"!F86ER('9A;'5E(&]F
M(&1E<FEV871I=F5S(&QI86)I;'1I97,\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y/=&AE<B!,:6%B:6QI=&EE<R!;365M8F5R72!\($YE
M="!);G9E<W1M96YT($AE9&=I;F<@6TUE;6)E<ET@?"!&;W)E:6=N(&5X8VAA
M;F=E(&-O;G1R86-T<R!;365M8F5R72!\($1E<VEG;F%T960@87,@2&5D9VEN
M9R!);G-T<G5M96YT(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^/'-T<F]N9SY$97)I=F%T:79E<RP@1F%I<B!686QU92!;
M3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y4;W1A;"!F86ER('9A;'5E(&]F(&1E<FEV871I=F5S(&QI
M86)I;'1I97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-3<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD
M(#$Q-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A
M8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?
M.&-C-F-E96-?-#DP8E\T,F8Y7S@R9#!?-F$R,S$Q9C<W,#EA#0I#;VYT96YT
M+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+SAC8S9C965C7S0Y,&)?-#)F.5\X,F0P
M7S9A,C,Q,68W-S`Y82]7;W)K<VAE971S+U-H965T-C4N:'1M;`T*0V]N=&5N
M="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N
M="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M
M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M
M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C
M<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@
M1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^
M#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$
M,$5:5T%%/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C
M;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG/D1E<FEV871I=F5S(&%N
M9"!(961G:6YG($%C=&EV:71I97,@*$1E=&%I;',@,2D@*$9A:7(@5F%L=64@
M2&5D9VEN9R!;365M8F5R72P@55-$("0I/&)R/DEN($UI;&QI;VYS+"!U;FQE
M<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@
M(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0R/C,@36]N=&AS($5N9&5D/"]T
M:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#(^.2!-;VYT
M:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@
M("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q-#QB<CX\+W1H/@T*("`@
M("`@("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$S/&)R/CPO=&@^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\8G(^/"]T:#X-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q,SQB<CX\+W1H
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3W1H97(@17AP96YS92!;
M365M8F5R72!\($EN=&5R97-T(%)A=&4@0V]N=')A8W1S(%M-96UB97)=/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D1E
M<FEV871I=F4@26YS=')U;65N=',L($=A:6X@*$QO<W,I(%M,:6YE($ET96US
M73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^1&5R:79A=&EV92!C;VYT<F%C=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;3XD("@Q,#DI/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;3XD("@Q,2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M/B0@*#$W,"D\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B0@*#,P-2D\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DAE9&=E9"!I=&5M
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,3(\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3<V/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,CDU/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F5U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M3F5T(&AE9&=E(&EN969F96-T:79E;F5S<SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6T^*#8I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6T^*#$P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^3W1H97(@26YC;VUE(%M-96UB97)=('P@
M5&]T86P@4F5T=7)N(%-W87`@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^1&5R:79A=&EV92!);G-T<G5M
M96YT<RP@1V%I;B`H3&]S<RD@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y$97)I=F%T:79E(&-O
M;G1R86-T/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,C$I/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3$\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q
M,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/DAE9&=E9"!I=&5M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XP/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,C$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M/B@Q,2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/DYE="!H961G92!I;F5F9F5C=&EV96YE<W,\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O
M9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?.&-C-F-E96-?-#DP
M8E\T,F8Y7S@R9#!?-F$R,S$Q9C<W,#EA#0I#;VYT96YT+4QO8V%T:6]N.B!F
M:6QE.B\O+T,Z+SAC8S9C965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y
M82]7;W)K<VAE971S+U-H965T-C8N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%
M;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT
M+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^
M#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT
M/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$
M=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V
M92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*
M("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$,$5&-$%%/@T*("`@
M("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R
M;W=S<&%N/3-$,CX\<W1R;VYG/D1E<FEV871I=F5S(&%N9"!(961G:6YG($%C
M=&EV:71I97,@*$1E=&%I;',@,BD@*$YO="!$97-I9VYA=&5D(&%S($AE9&=I
M;F<@26YS=')U;65N="!;365M8F5R72P@55-$("0I/&)R/CPO<W1R;VYG/CPO
M=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0R/C,@36]N
M=&AS($5N9&5D/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A
M;CTS1#(^.2!-;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q-#QB
M<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$S
M/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P
M,30\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@
M,C`Q,SQB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T
M<F]N9SY$97)I=F%T:79E($EN<W1R=6UE;G1S+"!'86EN("A,;W-S*2!;3&EN
M92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/E!R971A>"!G86EN<R`H;&]S<V5S*3PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^)"`R+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#(V+#`P,"PP,#`\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#@X
M+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XD(#$P.2PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y/=&AE<B!%>'!E;G-E(%M-96UB97)=
M('P@26YT97)E<W0@4F%T92!#;VYT<F%C="!;365M8F5R73PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY$97)I=F%T:79E
M($EN<W1R=6UE;G1S+"!'86EN("A,;W-S*2!;3&EN92!)=&5M<UT\+W-T<F]N
M9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!R971A
M>"!G86EN<R`H;&]S<V5S*3PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D]T:&5R($5X<&5N<V4@6TUE;6)E
M<ET@?"!&;W)E:6=N(&5X8VAA;F=E(&-O;G1R86-T<R!;365M8F5R73PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY$97)I
M=F%T:79E($EN<W1R=6UE;G1S+"!'86EN("A,;W-S*2!;3&EN92!)=&5M<UT\
M+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/E!R971A>"!G86EN<R`H;&]S<V5S*3PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,BPP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,C4L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C@T+#`P,"PP,#`\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,#@L,#`P
M+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^0V]S="!/9B!#87)D($UE;6)E<B!397)V:6-E<R!;365M8F5R72!\
M($9O<F5I9VX@97AC:&%N9V4@8V]N=')A8W1S(%M-96UB97)=/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D1E<FEV871I
M=F4@26YS=')U;65N=',L($=A:6X@*$QO<W,I(%M,:6YE($ET96US73PO<W1R
M;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4')E
M=&%X(&=A:6YS("AL;W-S97,I/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XD(#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XD(#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XD(#0L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^
M#0H-"BTM+2TM+3U?3F5X=%!A<G1?.&-C-F-E96-?-#DP8E\T,F8Y7S@R9#!?
M-F$R,S$Q9C<W,#EA#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+SAC
M8S9C965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y82]7;W)K<VAE971S
M+U-H965T-C<N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O
M=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S
M970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@
M:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M
M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R
M:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE
M;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C
M;&%S<STS1')E<&]R="!I9#TS1$E$,$5014%)/@T*("`@("`@/'1R/@T*("`@
M("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\
M<W1R;VYG/D1E<FEV871I=F5S(&%N9"!(961G:6YG($%C=&EV:71I97,@*$1E
M=&%I;',@5&5X='5A;',I("A54T0@)"D\8G(^4VAA<F4@9&%T82!I;B!-:6QL
M:6]N<RP@=6YL97-S(&]T:&5R=VES92!S<&5C:69I960\+W-T<F]N9SX\+W1H
M/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,CXS($UO;G1H
M<R!%;F1E9#PO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X]
M,T0R/CD@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$
M=&@@8V]L<W!A;CTS1#$^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\8G(^/"]T
M:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q,SQB<CX\
M+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$T/&)R
M/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,3,\
M8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q
M,SQB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N
M9SY$97)I=F%T:79E<R!A;F0@2&5D9VEN9R!!8W1I=FET:65S("A497AT=6%L
M<RD@6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/DYE="!R961U8W1I;VX@:6X@:6YT97)E<W0@97AP
M96YS92!O;B!L;VYG('1E<FT@9&5B="!A;F0@;W1H97(\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/B0@-S0L,#`P+#`P,#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-S8L,#`P+#`P,#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@
M,C$W+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XD(#(X,"PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1&5R:79A=&EV92!A<W-E="!N
M;W0@;V9F<V5T/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^1&5R:79A=&EV92!L:6%B:6QI=&EE<R!N;W0@;V9F<V5T/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4VAA<F5S(&AE;&0@:6X@
M97%U:71Y(&EN=F5S=&UE;G0@<V]L9#PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,S0N,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XS-"XS/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C$X,"XW/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y-87)G:6X@3VX@26YT97)E<W0@
M4F%T92!3=V%P($YO="!.971T960\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/CDW+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^.3<L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR-BPP,#`L,#`P/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R
M;VYG/D1E<FEV871I=F4@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^17%U:71Y(&EN=F5S=&UE
M;G0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L,#`P+#`P,#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ
M+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,3(T+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYO="!3;VQD($]R(%)E<&QE9&=E9"!;
M365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/CQS=')O;F<^1&5R:79A=&EV92!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y396-U<FET:65S
M(')E8V5I=F5D(&%S(&-O;&QA=&5R86P\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$Q,2PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C$Q,2PP,#`L,#`P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DE#0D,@6TUE
M;6)E<ET@?"!%<W1I;6%T92!O9B!&86ER(%9A;'5E+"!&86ER(%9A;'5E($1I
M<V-L;W-U<F4@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#X\<W1R;VYG/D1E<FEV871I=F4@6TQI;F4@271E;7-=/"]S
M=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M17%U:71Y(&EN=F5S=&UE;G0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ,C(L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^1F%I<B!686QU92!(961G97,@6TUE;6)E
M<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R
M;VYG/D1E<FEV871I=F4@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F]T:6]N86P@86UO=6YT
M(&]F(&QO;F<M=&5R;2!D96)T/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XQ."PR,#`L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ."PR,#`L,#`P+#`P,#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-"PW,#`L,#`P
M+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^3F5T($EN=F5S=&UE;G0@2&5D9V5S(%M-96UB97)=/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY$97)I=F%T
M:79E(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/D5F9F5C=&EV92!P;W)T:6]N(&]F(&=A:6X@
M*&QO<W,I(&]N(&AE9&=E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,C0V+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M/B@Q,C,L,#`P+#`P,"D\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,3,L,#`P+#`P,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$V,"PP,#`L
M,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^3F5T($EN=F5S=&UE;G0@2&5D9V5S(%M-96UB97)=('P@3F5T($EN
M=F5S=&UE;G0@2&5D9VEN9R!;365M8F5R72!\($]T:&5R($5X<&5N<V4@6TUE
M;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\
M<W1R;VYG/D1E<FEV871I=F4@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^06UO=6YT(')E8VQA
M<W-I9FEE9"!F<F]M($%/0TD@:6YT;R!I;F-O;64\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6T^*#$L,#`P+#`P,"D\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.2PP,#`L,#`P/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-R961I
M="!686QU871I;VX@061J=7-T;65N="!;365M8F5R73PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^1&5R:79A=&EV92!;
M3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y.;W1I;VYA;"!A;6]U;G0@;V8@;&]N9RUT97)M(&1E
M8G0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#`\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`P
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^
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M("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E
M(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T
M('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.
M;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@
M/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P145#
M04<^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P
M86X],T0Q(')O=W-P86X],T0Q/CQS=')O;F<^1F%I<B!686QU97,@*$1E=&%I
M;',I("A54T0@)"D\8G(^26X@36EL;&EO;G,L('5N;&5S<R!O=&AE<G=I<V4@
M<W!E8VEF:65D/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$
M=&@^4V5P+B`S,"P@,C`Q-#QB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,]
M,T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#X\<W1R;VYG/DEN=F5S=&UE;G0@<V5C=7)I=&EE<SH\+W-T
M<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y%<75I
M='D@<V5C=7)I=&EE<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M)"`Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^)"`Q,C0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/D1E8G0@<V5C=7)I=&EE<R!A;F0@;W1H97(\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C0L-S0Y/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-"PX.3(\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D1E<FEV871I=F5S
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XX,C(\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XW,#$\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M974^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A
M;"!A<W-E=',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4L-3<R
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M-2PW,3<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/DQE=F5L(#$@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#X\<W1R;VYG/DEN=F5S=&UE;G0@<V5C=7)I=&EE<SH\
M+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y%
M<75I='D@<V5C=7)I=&EE<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$R-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^1&5B="!S96-U<FET:65S(&%N9"!O=&AE<CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,S0Y/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,S(P/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y$97)I=F%T:79E<SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R974^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A;"!A<W-E=',\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,U,#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0T-#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3&5V96P@
M,B!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/CQS=')O;F<^26YV97-T;65N="!S96-U<FET:65S.CPO<W1R;VYG/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D5Q=6ET>2!S96-U<FET
M:65S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1&5B="!S
M96-U<FET:65S(&%N9"!O=&AE<CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^-"PT,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XT+#4W,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^1&5R:79A=&EV97,\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C@R,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C<P,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E=3X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1O=&%L(&%S<V5T<SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-2PR,C(\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU+#(W,SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3&5V96P@,R!;
M365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS
M=')O;F<^26YV97-T;65N="!S96-U<FET:65S.CPO<W1R;VYG/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D5Q=6ET>2!S96-U<FET:65S
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1&5B="!S96-U
M<FET:65S(&%N9"!O=&AE<CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/D1E<FEV871I=F5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XP/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/E1O=&%L(&%S<V5T<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^)"`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^)"`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM
M/5].97AT4&%R=%\X8V,V8V5E8U\T.3!B7S0R9CE?.#)D,%\V83(S,3%F-S<P
M.6$-"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.&-C-F-E96-?-#DP
M8E\T,F8Y7S@R9#!?-F$R,S$Q9C<W,#EA+U=O<FMS:&5E=',O4VAE970V.2YH
M=&UL#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A
M8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C
M:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV
M/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T
M/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$
M4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R
M:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P
M;W)T(&ED/3-$240P1392044^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C
M;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0Q/CQS=')O;F<^1F%I
M<B!686QU97,@*$1E=&%I;',@,2D@*%531"`D*3QB<CY);B!-:6QL:6]N<RP@
M=6YL97-S(&]T:&5R=VES92!S<&5C:69I960\+W-T<F]N9SX\+W1H/@T*("`@
M("`@("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$T/&)R/CPO=&@^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^3&EA8FEL:71I
M97,@6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/D1E<FEV871I=F5S/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XD(#(T-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/B0@,C$S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F5U/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P@;&EA8FEL:71I97,\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(T-CQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(Q,SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3&5V96P@,2!;
M365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS
M=')O;F<^3&EA8FEL:71I97,@6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D1E<FEV871I=F5S/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E=3X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1O=&%L(&QI86)I;&ET
M:65S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3&5V96P@
M,B!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/CQS=')O;F<^3&EA8FEL:71I97,@6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D1E<FEV871I=F5S/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR-#8\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR,3,\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R974^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A;"!L
M:6%B:6QI=&EE<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C0V
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,C$S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y,979E;"`S(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^/'-T<F]N9SY,:6%B:6QI=&EE<R!;06)S=')A8W1=/"]S
M=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1&5R
M:79A=&EV97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F5U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M5&]T86P@;&EA8FEL:71I97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/B0@,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/B0@,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X
M=%!A<G1?.&-C-F-E96-?-#DP8E\T,F8Y7S@R9#!?-F$R,S$Q9C<W,#EA#0I#
M;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+SAC8S9C965C7S0Y,&)?-#)F
M.5\X,F0P7S9A,C,Q,68W-S`Y82]7;W)K<VAE971S+U-H965T-S`N:'1M;`T*
M0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*
M0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*
M#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O
M;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M
M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N
M:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\
M+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I
M9#TS1$E$,$5)-41)/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,]
M,T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,3X\<W1R;VYG/D9A:7(@5F%L
M=65S("A$971A:6QS(#(I("A54T0@)"D\8G(^/"]S=')O;F<^/"]T:#X-"B`@
M("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q-#QB<CX\+W1H/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,3,\8G(^/"]T
M:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,CQB<CX\
M+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY&:6YA
M;F-I86P@87-S971S(&9O<B!W:&EC:"!C87)R>6EN9R!V86QU97,@97%U86P@
M;W(@87!P<F]X:6UA=&4@9F%I<B!V86QU93PO<W1R;VYG/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V%S:"!A;F0@8V%S:"!E<75I
M=F%L96YT<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`R,2PR
M-C0L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/B0@,3DL-#@V+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#(R+#(X-BPP,#`L,#`P/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`R
M,BPR-3`L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^/'-T<F]N9SY&:6YA;F-I86P@;&EA8FEL:71I97,@
M8V%R<FEE9"!A="!O=&AE<B!T:&%N(&9A:7(@=F%L=64\+W-T<F]N9SX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-E<G1I9FEC871E
M<R!O9B!D97!O<VET/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV
M+#<S,RPP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y,;VYG+71E<FT@9&5B=#PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^-34L-S$R+#`P,"PP,#`\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU-2PS,S`L,#`P+#`P
M,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/D9A:7(@5F%L=65S("A497AT=6%L<RD@6T%B<W1R86-T
M73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^06-C;W5N=',@<F5C96EV86)L92P@;&5S<R!R97-E<G9E<SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#0L-C@U+#`P,"PP,#`\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT,RPW-S<L
M,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y#87)D($UE;6)E<B!L;V%N<RP@;F5T/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XV-"PY,3$L,#`P+#`P,#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8U+#DW-RPP,#`L
M,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/E9A<FEA8FQE($EN=&5R97-T($5N=&5R<')I<V4@6TUE;6)E<ET\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^
M1FEN86YC:6%L(&QI86)I;&ET:65S(&-A<G)I960@870@;W1H97(@=&AA;B!F
M86ER('9A;'5E/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y,;VYG+71E<FT@9&5B=#PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,34L-3`Q+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ."PV.3`L,#`P+#`P,#QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#
M87)R>6EN9R!686QU92!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^/'-T<F]N9SY&:6YA;F-I86P@87-S971S(&9O<B!W
M:&EC:"!C87)R>6EN9R!V86QU97,@97%U86P@;W(@87!P<F]X:6UA=&4@9F%I
M<B!V86QU93PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^0V%S:"!A;F0@8V%S:"!E<75I=F%L96YT<SPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,C$L,#`P+#`P,"PP,#`\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ.2PP,#`L,#`P
M+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y/=&AE<B!F:6YA;F-I86P@87-S971S/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XT."PP,#`L,#`P+#`P,#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0X+#`P,"PP,#`L,#`P
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/CQS=')O;F<^1FEN86YC:6%L(&%S<V5T<R!C87)R:65D(&%T(&]T:&5R
M('1H86X@9F%I<B!V86QU93PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^3&]A;G,L(&YE=#PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^-C8L,#`P+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV-RPP,#`L,#`P+#`P,#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#X\<W1R;VYG/D9I;F%N8VEA;"!,:6%B:6QI=&EE<SH\+W-T<F]N9SX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D9I;F%N8VEA;"!L
M:6%B:6QI=&EE<R!F;W(@=VAI8V@@8V%R<GEI;F<@=F%L=65S(&5Q=6%L(&]R
M(&%P<')O>&EM871E(&9A:7(@=F%L=64\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C8P+#`P,"PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-C`L,#`P+#`P,"PP,#`\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T
M<F]N9SY&:6YA;F-I86P@;&EA8FEL:71I97,@8V%R<FEE9"!A="!O=&AE<B!T
M:&%N(&9A:7(@=F%L=64\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/D-E<G1I9FEC871E<R!O9B!D97!O<VET/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XW+#`P,"PP,#`L,#`P/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y,
M;VYG+71E<FT@9&5B=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M-38L,#`P+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XU-2PP,#`L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y%<W1I;6%T92!O9B!&
M86ER(%9A;'5E+"!&86ER(%9A;'5E($1I<V-L;W-U<F4@6TUE;6)E<ET\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^1FEN
M86YC:6%L(&%S<V5T<R!F;W(@=VAI8V@@8V%R<GEI;F<@=F%L=65S(&5Q=6%L
M(&]R(&%P<')O>&EM871E(&9A:7(@=F%L=64\+W-T<F]N9SX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-A<V@@86YD(&-A<V@@97%U
M:79A;&5N=',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(Q+#`P
M,"PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,3DL,#`P+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3W1H97(@9FEN86YC:6%L(&%S
M<V5T<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#@L,#`P+#`P
M,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XT."PP,#`L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D9I;F%N8VEA;"!A<W-E
M=',@8V%R<FEE9"!A="!O=&AE<B!T:&%N(&9A:7(@=F%L=64\+W-T<F]N9SX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DQO86YS+"!N
M970\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8V+#`P,"PP,#`L
M,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^-C<L,#`P+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY&:6YA;F-I86P@3&EA8FEL
M:71I97,Z/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y&:6YA;F-I86P@;&EA8FEL:71I97,@9F]R('=H:6-H(&-A<G)Y
M:6YG('9A;'5E<R!E<75A;"!O<B!A<'!R;WAI;6%T92!F86ER('9A;'5E/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV,"PP,#`L,#`P+#`P,#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8P
M+#`P,"PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^1FEN86YC:6%L(&QI86)I;&ET:65S
M(&-A<G)I960@870@;W1H97(@=&AA;B!F86ER('9A;'5E/"]S=')O;F<^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#97)T:69I8V%T
M97,@;V8@9&5P;W-I=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M-RPP,#`L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C@L,#`P+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3&]N9RUT97)M(&1E8G0\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4X+#`P,"PP,#`L,#`P
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M-3@L,#`P+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^17-T:6UA=&4@;V8@1F%I<B!686QU92P@1F%I
M<B!686QU92!$:7-C;&]S=7)E(%M-96UB97)=('P@5F%R:6%B;&4@26YT97)E
M<W0@16YT97)P<FES92!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^/'-T<F]N9SY&:6YA;F-I86P@;&EA8FEL:71I97,@
M8V%R<FEE9"!A="!O=&AE<B!T:&%N(&9A:7(@=F%L=64\+W-T<F]N9SX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DQO;F<M=&5R;2!D
M96)T/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-2PV,#`L,#`P
M+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$X+#@P,"PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^1F%I<B!686QU97,@*%1E
M>'1U86QS*2!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y!8V-O=6YT<R!R96-E:79A8FQE+"!L97-S
M(')E<V5R=F5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV+#(P
M,"PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^-RPS,#`L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#87)D($UE;6)E<B!L;V%N<RP@
M;F5T/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR."PQ,#`L,#`P
M+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C,Q+#`P,"PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/DQE=F5L(#$@6TUE;6)E<ET\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^1FEN86YC
M:6%L(&%S<V5T<R!F;W(@=VAI8V@@8V%R<GEI;F<@=F%L=65S(&5Q=6%L(&]R
M(&%P<')O>&EM871E(&9A:7(@=F%L=64\+W-T<F]N9SX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-A<V@@86YD(&-A<V@@97%U:79A
M;&5N=',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(P+#`P,"PP
M,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,3<L,#`P+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3W1H97(@9FEN86YC:6%L(&%S<V5T
M<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N
M9SY&:6YA;F-I86P@87-S971S(&-A<G)I960@870@;W1H97(@=&AA;B!F86ER
M('9A;'5E/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y,;V%N<RP@;F5T/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XP/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#X\<W1R;VYG/D9I;F%N8VEA;"!,:6%B:6QI=&EE<SH\+W-T
M<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D9I
M;F%N8VEA;"!L:6%B:6QI=&EE<R!F;W(@=VAI8V@@8V%R<GEI;F<@=F%L=65S
M(&5Q=6%L(&]R(&%P<')O>&EM871E(&9A:7(@=F%L=64\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^1FEN86YC:6%L(&QI
M86)I;&ET:65S(&-A<G)I960@870@;W1H97(@=&AA;B!F86ER('9A;'5E/"]S
M=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#
M97)T:69I8V%T97,@;V8@9&5P;W-I=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^3&]N9RUT97)M(&1E8G0\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/DQE=F5L(#(@6TUE;6)E<ET\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^1FEN86YC
M:6%L(&%S<V5T<R!F;W(@=VAI8V@@8V%R<GEI;F<@=F%L=65S(&5Q=6%L(&]R
M(&%P<')O>&EM871E(&9A:7(@=F%L=64\+W-T<F]N9SX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-A<V@@86YD(&-A<V@@97%U:79A
M;&5N=',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L,#`P+#`P
M,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XR+#`P,"PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/D]T:&5R(&9I;F%N8VEA;"!A<W-E=',\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0X+#`P,"PP,#`L,#`P
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M-#@L,#`P+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY&:6YA;F-I86P@87-S971S(&-A
M<G)I960@870@;W1H97(@=&AA;B!F86ER('9A;'5E/"]S=')O;F<^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y,;V%N<RP@;F5T/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D9I
M;F%N8VEA;"!,:6%B:6QI=&EE<SH\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/D9I;F%N8VEA;"!L:6%B:6QI=&EE<R!F
M;W(@=VAI8V@@8V%R<GEI;F<@=F%L=65S(&5Q=6%L(&]R(&%P<')O>&EM871E
M(&9A:7(@=F%L=64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8P
M+#`P,"PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^-C`L,#`P+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY&:6YA;F-I
M86P@;&EA8FEL:71I97,@8V%R<FEE9"!A="!O=&AE<B!T:&%N(&9A:7(@=F%L
M=64\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D-E<G1I9FEC871E<R!O9B!D97!O<VET/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XW+#`P,"PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^."PP,#`L,#`P+#`P,#QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y,
M;VYG+71E<FT@9&5B=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M-3@L,#`P+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XU."PP,#`L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y,979E;"`S(%M-96UB
M97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R
M;VYG/D9I;F%N8VEA;"!A<W-E=',@9F]R('=H:6-H(&-A<G)Y:6YG('9A;'5E
M<R!E<75A;"!O<B!A<'!R;WAI;6%T92!F86ER('9A;'5E/"]S=')O;F<^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#87-H(&%N9"!C
M87-H(&5Q=6EV86QE;G1S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XP/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y/=&AE<B!F:6YA;F-I86P@87-S971S/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D9I;F%N8VEA;"!A<W-E
M=',@8V%R<FEE9"!A="!O=&AE<B!T:&%N(&9A:7(@=F%L=64\+W-T<F]N9SX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DQO86YS+"!N
M970\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8V+#`P,"PP,#`L
M,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^-C<L,#`P+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY&:6YA;F-I86P@3&EA8FEL
M:71I97,Z/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y&:6YA;F-I86P@;&EA8FEL:71I97,@9F]R('=H:6-H(&-A<G)Y
M:6YG('9A;'5E<R!E<75A;"!O<B!A<'!R;WAI;6%T92!F86ER('9A;'5E/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D9I
M;F%N8VEA;"!L:6%B:6QI=&EE<R!C87)R:65D(&%T(&]T:&5R('1H86X@9F%I
M<B!V86QU93PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^0V5R=&EF:6-A=&5S(&]F(&1E<&]S:70\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DQO;F<M=&5R;2!D96)T/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#`\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#`\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^
M#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?.&-C-F-E96-?-#DP8E\T
M,F8Y7S@R9#!?-F$R,S$Q9C<W,#EA#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE
M.B\O+T,Z+SAC8S9C965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y82]7
M;W)K<VAE971S+U-H965T-S$N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O
M9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT
M;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@
M("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$
M)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X
M="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4
M:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@
M(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$,$4V14%#/@T*("`@("`@
M/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S
M<&%N/3-$,3X\<W1R;VYG/D9A:7(@5F%L=65S("A$971A:6QS(%1E>'1U86QS
M*2`H1F%I<B!686QU92P@365A<W5R96UE;G1S+"!.;VYR96-U<G)I;F<@6TUE
M;6)E<ETL(%531"`D*3QB<CY);B!-:6QL:6]N<RP@=6YL97-S(&]T:&5R=VES
M92!S<&5C:69I960\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,]
M,T1T:#Y397`N(#,P+"`R,#$T/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S
M<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/D9A:7(@5F%L=64L($UE87-U<F5M96YT<RP@3F]N<F5C
M=7)R:6YG(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^/'-T<F]N9SY&86ER(%9A;'5E($%S<V5T<R!-96%S=7)E9"!/;B!2
M96-U<G)I;F<@0F%S:7,@1FEN86YC:6%L(%-T871E;65N="!#87!T:6]N<R!;
M3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y!<W-E=',@;65A<W5R960@870@9F%I<B!V86QU92!F;W(@
M:6UP86ER;65N=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`P
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M)"`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B
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M/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4
M>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R
M:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$
M;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-
M"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P
M151(044^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O
M;'-P86X],T0Q(')O=W-P86X],T0Q/CQS=')O;F<^1W5A<F%N=&5E<R`H1&5T
M86EL<RD@*%531"`D*3QB<CX\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@
M8VQA<W,],T1T:#Y397`N(#,P+"`R,#$T/&)R/CPO=&@^#0H@("`@("`@(#QT
M:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^5'EP92!O9B!'=6%R86YT964\
M+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y-
M87AI;75M('!O=&5N=&EA;"!A;6]U;G0@;V8@=6YD:7-C;W5N=&5D(&9U='5R
M92!P87EM96YT<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`T
M-2PP,#`L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/B0@-#4L,#`P+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%M;W5N="!O9B!R96QA
M=&5D(&QI86)I;&ET>3PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,3$T+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ-C$L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V%R9"!A;F0@5')A=F5L($]P97)A
M=&EO;G,@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/E1Y<&4@;V8@1W5A<F%N=&5E/"]S=')O;F<^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^36%X:6UU;2!P;W1E;G1I
M86P@86UO=6YT(&]F('5N9&ES8V]U;G1E9"!F=71U<F4@<&%Y;65N=',\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0T+#`P,"PP,#`L,#`P/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#0L
M,#`P+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/D%M;W5N="!O9B!R96QA=&5D(&QI86)I;&ET>3PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#,L,#`P+#`P,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C@X+#`P,"PP
M,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D]T:&5R($=U87)A;G1E97,@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/E1Y<&4@;V8@1W5A<F%N=&5E
M/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M36%X:6UU;2!P;W1E;G1I86P@86UO=6YT(&]F('5N9&ES8V]U;G1E9"!F=71U
M<F4@<&%Y;65N=',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L
M,#`P+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ+#`P,"PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!;6]U;G0@;V8@<F5L871E9"!L
M:6%B:6QI='D\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-S$L
M,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/B0@-S,L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM
M+2TM+3U?3F5X=%!A<G1?.&-C-F-E96-?-#DP8E\T,F8Y7S@R9#!?-F$R,S$Q
M9C<W,#EA#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+SAC8S9C965C
M7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y82]7;W)K<VAE971S+U-H965T
M-S,N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R
M:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S
M+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE
M<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA
M<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R
M8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\
M+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS
M1')E<&]R="!I9#TS1$E$,$521T%)/@T*("`@("`@/'1R/@T*("`@("`@("`\
M=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG
M/D-H86YG97,@:6X@06-C=6UU;&%T960@3W1H97(@0V]M<')E:&5N<VEV92`H
M3&]S<RD@26YC;VUE("A$971A:6QS*2`H55-$("0I/&)R/CPO<W1R;VYG/CPO
M=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0R/C,@36]N
M=&AS($5N9&5D/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A
M;CTS1#(^.2!-;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q-#QB
M<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$S
M/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P
M,30\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@
M,C`Q,SQB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T
M<F]N9SY#:&%N9V5S(&EN($]T:&5R($-O;7!R96AE;G-I=F4@:6YC;VUE/"]S
M=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y"
M86QA;F-E<R!A<R!O9B!S=&%R="!O9B!P97)I;V0\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;3XD("@Q+#0R-BPP,#`L,#`P*3QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!E;G-I;VX@
M86YD(&]T:&5R('!O<W1R971I<F5M96YT(&)E;F5F:70@9V%I;G,\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#<L,#`P+#`P,"D\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@V+#`P,"PP,#`I
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH
M-#@L,#`P+#`P,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M/B@V,"PP,#`L,#`P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0F%L86YC97,@87,@;V8@96YD(&]F
M('!E<FEO9#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,2PU-#(L
M,#`P+#`P,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;3XH,2PU-#(L,#`P+#`P,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!8V-U;75L871E9"!/=&AE<B!#
M;VUP<F5H96YS:79E("A,;W-S*2!);F-O;64@6TUE;6)E<ET\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^0VAA;F=E<R!I
M;B!/=&AE<B!#;VUP<F5H96YS:79E(&EN8V]M93PO<W1R;VYG/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0F%L86YC97,@87,@;V8@
M<W1A<G0@;V8@<&5R:6]D/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M/B@Q+#,W,2PP,#`L,#`P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6T^*#$L,S`X+#`P,"PP,#`I/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,2PT,C8L,#`P+#`P,"D\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Y
M,C<L,#`P+#`P,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/DYE="!U;G)E86QI>F5D(&=A:6YS("AL;W-S97,I/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#`P,"PP,#`\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@R-2PP,#`L
M,#`P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$P,BPP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;3XH,30Q+#`P,"PP,#`I/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);F-R96%S92`H9&5C<F5A
M<V4I(&1U92!T;R!A;6]U;G1S(')E8VQA<W-I9FEE9"!I;G1O(&5A<FYI;F=S
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q,BPP,#`L,#`P*3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#(S
M+#`P,"PP,#`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;3XH-C8L,#`P+#`P,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M/B@V.2PP,#`L,#`P*3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F5T('1R86YS;&%T
M:6]N(&=A:6X@*&QO<W-E<RD@;V8@:6YV97-T;65N=',@:6X@9F]R96EG;B!O
M<&5R871I;VYS/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@T,30L
M,#`P+#`P,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ,S0L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6T^*#,Q,RPP,#`L,#`P*3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#0R,BPP,#`L,#`P*3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M3F5T("AL;W-S97,I(&=A:6YS(')E;&%T960@=&\@:&5D9V5S(&]F(&EN=F5S
M=&UE;G0@:6X@9F]R96EG;B!O<&5R871I;VYS/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XR-#8L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$R,RPP,#`L,#`P*3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$Q,RPP,#`L
M,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,38P+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/E!E;G-I;VX@86YD(&]T:&5R('!O<W1R971I<F5M
M96YT(&)E;F5F:70@9V%I;G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C<L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C8L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C0X+#`P,"PP,#`\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV,"PP,#`L,#`P/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.
M970@8VAA;F=E(&EN(&%C8W5M=6QA=&5D(&]T:&5R(&-O;7!R96AE;G-I=F4@
M:6YC;VUE("AL;W-S*3PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH
M,3<Q+#`P,"PP,#`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;3XH,S$L,#`P+#`P,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q,38L,#`P+#`P,"D\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@T,3(L,#`P+#`P
M,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D)A;&%N8V5S(&%S(&]F(&5N9"!O9B!P97)I;V0\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6T^*#$L-30R+#`P,"PP,#`I/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,2PS,SDL,#`P+#`P
M,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M/B@Q+#4T,BPP,#`L,#`P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6T^*#$L,S,Y+#`P,"PP,#`I/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.970@56YR96%L:7IE
M9"!);G9E<W1M96YT($=A:6YS("A,;W-S97,I(&]N($EN=F5S=&UE;G0@4V5C
M=7)I=&EE<R!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^/'-T<F]N9SY#:&%N9V5S(&EN($]T:&5R($-O;7!R96AE;G-I
M=F4@:6YC;VUE/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y"86QA;F-E<R!A<R!O9B!S=&%R="!O9B!P97)I;V0\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$P-2PP,#`L,#`P/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,34S+#`P
M,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XV,RPP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,S$U+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYE="!U;G)E86QI>F5D(&=A
M:6YS("AL;W-S97,I/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR
M+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M/B@R-2PP,#`L,#`P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C$P,BPP,#`L,#`P/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,30Q+#`P,"PP,#`I/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y)
M;F-R96%S92`H9&5C<F5A<V4I(&1U92!T;R!A;6]U;G1S(')E8VQA<W-I9FEE
M9"!I;G1O(&5A<FYI;F=S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M/B@Q,RPP,#`L,#`P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6T^*#(S+#`P,"PP,#`I/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;3XH-S$L,#`P+#`P,"D\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@V.2PP,#`L,#`P
M*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^3F5T(&-H86YG92!I;B!A8V-U;75L871E9"!O=&AE<B!C;VUP<F5H96YS
M:79E(&EN8V]M92`H;&]S<RD\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6T^*#$Q+#`P,"PP,#`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;3XH-#@L,#`P+#`P,"D\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS,2PP,#`L,#`P/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,C$P+#`P,"PP
M,#`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y"86QA;F-E<R!A<R!O9B!E;F0@;V8@<&5R:6]D/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XY-"PP,#`L,#`P/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3`U+#`P,"PP,#`\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XY-"PP
M,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,3`U+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/D9O<F5I9VX@0W5R<F5N8WD@5')A;G-L871I
M;VX@061J=7-T;65N=',@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^0VAA;F=E<R!I;B!/=&AE<B!#;VUP
M<F5H96YS:79E(&EN8V]M93PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^0F%L86YC97,@87,@;V8@<W1A<G0@;V8@<&5R
M:6]D/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q+#$Q."PP,#`L
M,#`P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6T^*#$L,#(W+#`P,"PP,#`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;3XH,2PP.3`L,#`P+#`P,"D\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@W-30L,#`P+#`P,"D\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/DEN8W)E87-E("AD96-R96%S92D@9'5E('1O(&%M;W5N=',@<F5C;&%S<VEF
M:65D(&EN=&\@96%R;FEN9W,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XU+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.970@=')A;G-L871I;VX@9V%I
M;B`H;&]S<V5S*2!O9B!I;G9E<W1M96YT<R!I;B!F;W)E:6=N(&]P97)A=&EO
M;G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#0Q-"PP,#`L,#`P
M*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C$S-"PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;3XH,S$S+#`P,"PP,#`I/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;3XH-#(R+#`P,"PP,#`I/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.970@*&QO
M<W-E<RD@9V%I;G,@<F5L871E9"!T;R!H961G97,@;V8@:6YV97-T;65N="!I
M;B!F;W)E:6=N(&]P97)A=&EO;G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C(T-BPP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;3XH,3(S+#`P,"PP,#`I/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3$S+#`P,"PP,#`\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-C`L
M,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^3F5T(&-H86YG92!I;B!A8V-U;75L871E9"!O=&AE<B!C;VUP
M<F5H96YS:79E(&EN8V]M92`H;&]S<RD\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6T^*#$V-RPP,#`L,#`P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C$Q+#`P,"PP,#`\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q.34L,#`P+#`P,"D\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@R
M-C(L,#`P+#`P,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/D)A;&%N8V5S(&%S(&]F(&5N9"!O9B!P97)I;V0\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$L,C@U+#`P,"PP,#`I/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,2PP
M,38L,#`P+#`P,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M/B@Q+#(X-2PP,#`L,#`P*3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$L,#$V+#`P,"PP,#`I/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.970@
M56YR96%L:7IE9"!096YS:6]N(&%N9"!/=&AE<B!0;W-T<F5T:7)E;65N="!"
M96YE9FET($QO<W-E<R!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^/'-T<F]N9SY#:&%N9V5S(&EN($]T:&5R($-O;7!R
M96AE;G-I=F4@:6YC;VUE/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y"86QA;F-E<R!A<R!O9B!S=&%R="!O9B!P97)I
M;V0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#,U."PP,#`L,#`P
M*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^
M*#0S-"PP,#`L,#`P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6T^*#,Y.2PP,#`L,#`P*3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#0X."PP,#`L,#`P*3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4&5N<VEO
M;B!A;F0@;W1H97(@<&]S=')E=&ER96UE;G0@8F5N969I="!G86EN<SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-RPP,#`L,#`P/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-BPP,#`L,#`P
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M-#@L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C8P+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYE="!C:&%N9V4@:6X@86-C=6UU;&%T
M960@;W1H97(@8V]M<')E:&5N<VEV92!I;F-O;64@*&QO<W,I/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XW+#`P,"PP,#`\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV+#`P,"PP,#`\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT."PP
M,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^-C`L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^0F%L86YC97,@87,@;V8@96YD(&]F('!E<FEO
M9#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XD("@S-3$L,#`P+#`P
M,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M/B0@*#0R."PP,#`L,#`P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6T^)"`H,S4Q+#`P,"PP,#`I/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XD("@T,C@L,#`P+#`P,"D\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-
M"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7SAC8S9C
M965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y80T*0V]N=&5N="U,;V-A
M=&EO;CH@9FEL93HO+R]#.B\X8V,V8V5E8U\T.3!B7S0R9CE?.#)D,%\V83(S
M,3%F-S<P.6$O5V]R:W-H965T<R]3:&5E=#<T+FAT;6P-"D-O;G1E;G0M5')A
M;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP
M93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@
M(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@
M8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@
M='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO
M="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\
M8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%,5!!
M1SX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A
M;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY#:&%N9V5S(&EN($%C8W5M=6QA
M=&5D($]T:&5R($-O;7!R96AE;G-I=F4@*$QO<W,I($EN8V]M92`H1&5T86EL
M<R`Q*2`H55-$("0I/&)R/CPO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C
M;&%S<STS1'1H(&-O;'-P86X],T0R/C,@36]N=&AS($5N9&5D/"]T:#X-"B`@
M("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#(^.2!-;VYT:',@16YD
M960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H
M(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q-#QB<CX\+W1H/@T*("`@("`@("`\
M=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$S/&)R/CPO=&@^#0H@("`@("`@
M(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\8G(^/"]T:#X-"B`@("`@
M("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q,SQB<CX\+W1H/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY296-L87-S:69I8V%T
M:6]N($%D:G5S=&UE;G0@;W5T(&]F($%C8W5M=6QA=&5D($]T:&5R($-O;7!R
M96AE;G-I=F4@26YC;VUE(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3W1H97(@;F]N+6EN=&5R
M97-T(')E=F5N=64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@
M-3DS+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XD(#8P,2PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q+#8W.2PP,#`L,#`P/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q+#<P
M-2PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y);G1E<F5S="!E>'!E;G-E(&]N(&QO;F<M=&5R;2!D96)T
M(&%N9"!O=&AE<CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,S(Y
M+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XS-S,L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C$L,#(V+#`P,"PP,#`\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#$V,RPP,#`L,#`P
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y/=&AE<B!E>'!E;G-E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,2PU.38L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C$L-CDQ+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT+#,Y,RPP,#`L,#`P/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-"PY
M,3$L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^3F5T(%5N<F5A;&EZ960@26YV97-T;65N="!'86EN<R`H
M3&]S<V5S*2!O;B!);G9E<W1M96YT(%-E8W5R:71I97,@6TUE;6)E<ET\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4F5C
M;&%S<VEF:6-A=&EO;B!!9&IU<W1M96YT(&]U="!O9B!!8V-U;75L871E9"!/
M=&AE<B!#;VUP<F5H96YS:79E($EN8V]M92!;3&EN92!)=&5M<UT\+W-T<F]N
M9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D]T:&5R
M(&YO;BUI;G1E<F5S="!R979E;G5E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M/B@R,2PP,#`L,#`P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6T^*#,V+#`P,"PP,#`I/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,3$Q+#`P,"PP,#`I/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,3`Y
M+#`P,"PP,#`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y);F-O;64@=&%X('!R;W9I<VEO;B!F;W(@;W1H97(@;F]N
M+6EN=&5R97-T(')E=F5N=64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C@L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C$S+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XT,"PP,#`L,#`P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#`L,#`P+#`P,#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M3W1H97(@;F]N+6EN=&5R97-T(')E=F5N=64L(&YE="!O9B!T87AE<SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,3,L,#`P+#`P,"D\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@R,RPP,#`L
M,#`P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6T^*#<Q+#`P,"PP,#`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;3XH-CDL,#`P+#`P,"D\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN8W)E87-E("AD96-R96%S
M92D@9'5E('1O(&%M;W5N=',@<F5C;&%S<VEF:65D(&EN=&\@96%R;FEN9W,\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$S+#`P,"PP,#`I/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,C,L
M,#`P+#`P,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M/B@W,2PP,#`L,#`P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6T^*#8Y+#`P,"PP,#`I/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y&;W)E:6=N($-U<G)E
M;F-Y(%1R86YS;&%T:6]N($%D:G5S=&UE;G1S(%M-96UB97)=/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/E)E8VQA<W-I
M9FEC871I;VX@061J=7-T;65N="!O=70@;V8@06-C=6UU;&%T960@3W1H97(@
M0V]M<')E:&5N<VEV92!);F-O;64@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y/=&AE<B!E>'!E
M;G-E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XX+#`P,"PP
M,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XP/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y);F-O;64@=&%X(&)E;F5F:70@9F]R(&]T:&5R+"!N970@97AP96YS
M93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PP,#`L,#`P/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#,L
M,#`P+#`P,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XP/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y);F-R96%S92`H9&5C<F5A<V4I(&1U92!T;R!A;6]U;G1S
M(')E8VQA<W-I9FEE9"!I;G1O(&5A<FYI;F=S/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XP/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-2PP,#`L,#`P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^06-C=6UU;&%T
M960@3W1H97(@0V]M<')E:&5N<VEV92`H3&]S<RD@26YC;VUE(%M-96UB97)=
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG
M/E)E8VQA<W-I9FEC871I;VX@061J=7-T;65N="!O=70@;V8@06-C=6UU;&%T
M960@3W1H97(@0V]M<')E:&5N<VEV92!);F-O;64@6TQI;F4@271E;7-=/"]S
M=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y)
M;F-R96%S92`H9&5C<F5A<V4I(&1U92!T;R!A;6]U;G1S(')E8VQA<W-I9FEE
M9"!I;G1O(&5A<FYI;F=S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M/B0@*#$R+#`P,"PP,#`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;3XD("@R,RPP,#`L,#`P*3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^)"`H-C8L,#`P+#`P,"D\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B0@*#8Y
M+#`P,"PP,#`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
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M"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N
M=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX
M)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ
M<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO
M:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED
M/3-$240P1316044^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS
M1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^26YC;VUE(%1A
M>&5S("A$971A:6QS(%1E>'1U86QS*2`H55-$("0I/&)R/DEN($UI;&QI;VYS
M+"!U;FQE<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0R/C,@36]N=&AS($5N
M9&5D/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#(^
M.2!-;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q-#QB<CX\+W1H
M/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$S/&)R/CPO
M=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\8G(^
M/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q,SQB
M<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY)
M;F-O;64@5&%X97,@*%1E>'1U86QS*3PO<W1R;VYG/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^56YR96-O9VYI>F5D('1A>"!B96YE
M9FET<R!A<R!A(')E<W5L="!O9B!P;W1E;G1I86P@<F5S;VQU=&EO;G,@;V8@
M<')I;W(@>65A<G,G('1A>#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^)"`V.#8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^)"`V.#8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y5;G)E8V]G;FEZ960@=&%X(&)E;F5F:71S+"!A
M;6]U;G1S(')E8V]R9&5D('1O(&5Q=6ET>3PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^)"`U,CD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^)"`U,CD\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!8W1U86P@=&%X(')A=&5S/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS-"XR,"4\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS,2XX,"4\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS-"XT
M,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XS,2XT,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/DEN=&5R;F%L(%)E=F5N=64@4V5R=FEC92`H25)3*2!;365M
M8F5R72!\($5A<FQI97-T(%EE87(@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^26YC;VUE(%1A>"!#;VYT
M:6YG96YC>2!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/D]P96X@=&%X('EE87)S(&)Y(&UA:F]R
M('1A>"!J=7)I<V1I8W1I;VX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)S(P,#@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y);G1E<FYA;"!2979E;G5E(%-E<G9I8V4@*$E24RD@
M6TUE;6)E<ET@?"!,871E<W0@665A<B!;365M8F5R73PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY);F-O;64@5&%X($-O
M;G1I;F=E;F-Y(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3W!E;B!T87@@>65A<G,@8GD@;6%J
M;W(@=&%X(&IU<FES9&EC=&EO;CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG,C`Q,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]
M7TYE>'1087)T7SAC8S9C965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y
M80T*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X8V,V8V5E8U\T.3!B
M7S0R9CE?.#)D,%\V83(S,3%F-S<P.6$O5V]R:W-H965T<R]3:&5E=#<V+FAT
M;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B
M;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I
M:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78]
M,T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]
M=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13
M:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I
M<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O
M<G0@:60],T1)1#!%4%=!1SX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L
M87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY%87)N
M:6YG<R!097(@0V]M;6]N(%-H87)E("A%4%,I("A$971A:6QS*2`H55-$("0I
M/&)R/DEN($UI;&QI;VYS+"!E>&-E<'0@4VAA<F4@9&%T82P@=6YL97-S(&]T
M:&5R=VES92!S<&5C:69I960\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@
M8VQA<W,],T1T:"!C;VQS<&%N/3-$,CXS($UO;G1H<R!%;F1E9#PO=&@^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0R/CD@36]N=&AS($5N
M9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^#0H@("`@("`@(#QT
M:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\8G(^/"]T:#X-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q,SQB<CX\+W1H/@T*("`@("`@
M("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$T/&)R/CPO=&@^#0H@("`@
M("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,3,\8G(^/"]T:#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^0F%S:6,@86YD(&1I
M;'5T960Z/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y.970@:6YC;VUE/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XD(#$L-#<W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^)"`Q+#,V-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/B0@-"PT,S@\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#0L,#4Q/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y%87)N:6YG<R!A
M;&QO8V%T960@=&\@<&%R=&EC:7!A=&EN9R!S:&%R92!A=V%R9',\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$Q*3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$R*3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#,U*3QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#,V*3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYE="!I
M;F-O;64@871T<FEB=71A8FQE('1O(&-O;6UO;B!S:&%R96AO;&1E<G,\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L-#8V/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PS-30\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT+#0P,SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0L
M,#$U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/D1E;F]M:6YA=&]R.CPO<W1R;VYG/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0F%S:6,\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C$L,#0Q+#`P,"PP,#`\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#`W-"PP,#`L,#`P
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,2PP-3$L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C$L,#@W+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%D9#H@5V5I9VAT960M879E
M<F%G92!S=&]C:R!O<'1I;VYS/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XV+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XW+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XV+#`P,"PP,#`\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XW+#`P,"PP,#`\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R;W4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y$
M:6QU=&5D/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#`T-RPP
M,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,2PP.#$L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C$L,#4W+#`P,"PP,#`\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#`Y-"PP,#`L,#`P
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#X\<W1R;VYG/D5A<FYI;F=S(%!E<B!#;VUM;VX@4VAA<F4L($)A<VEC(%M!
M8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/DEN8V]M92!F<F]M(&-O;G1I;G5I;F<@;W!E<F%T:6]N<R!A
M='1R:6)U=&%B;&4@=&\@8V]M;6]N('-H87)E:&]L9&5R<SPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q+C0Q/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q+C(V/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`T+C$Y/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`S+C8Y
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#X\<W1R;VYG/D5A<FYI;F=S(%!E<B!#;VUM;VX@4VAA<F4L($1I;'5T960@
M6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^26YC;VUE(&9R;VT@8V]N=&EN=6EN9R!O<&5R871I;VYS
M(&%T=')I8G5T86)L92!T;R!C;VUM;VX@<VAA<F5H;VQD97)S/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$N-#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,2XR-3QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-"XQ-SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,RXV
M-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^/'-T<F]N9SY%87)N:6YG<R!097(@0V]M;6]N(%-H87)E("A497AT=6%L
M<RD@6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^4W5B;W)D:6YA=&5D(&1E8F5N='5R97,\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-S4P/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`W-3`\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#<U,#QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-S4P
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y3=6)O<F1I;F%T960@9&5B="!I<W-U86YC92!Y96%R/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG,C`P-CQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<R,#`V/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)S(P,#8\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG,C`P-CQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4W5B
M;W)D:6YA=&5D(&1E8G0@;6%T=7)I='D@>65A<CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)S(P,S8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG,C`S-CQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<R,#,V/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)S(P,S8\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E-T;V-K(&]P
M=&EO;G,@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/CQS=')O;F<^06YT:61I;'5T:79E(%-E8W5R:71I97,@17AC;'5D
M960@9G)O;2!#;VUP=71A=&EO;B!O9B!%87)N:6YG<R!097(@4VAA<F4@6TQI
M;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y!;G1I9&EL=71I=F4@<V5C=7)I=&EE<R!E>&-L=61E9"!F
M<F]M(&-O;7!U=&%T:6]N(&]F(&5A<FYI;F=S('!E<B!3:&%R92P@86UO=6YT
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR,#`L,#`P/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3`P+#`P
M,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C(P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XR,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM
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M:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV
M/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T
M/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$
M4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R
M:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P
M;W)T(&ED/3-$240P15-$044^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C
M;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^3F]N
M+4EN=&5R97-T(%)E=F5N=64@86YD($5X<&5N<V4@1&5T86EL("A$971A:6QS
M*2`H55-$("0I/&)R/DEN($UI;&QI;VYS+"!U;FQE<W,@;W1H97)W:7-E('-P
M96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H
M(&-O;'-P86X],T0R/C,@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@("`@/'1H
M(&-L87-S/3-$=&@@8V]L<W!A;CTS1#(^.2!-;VYT:',@16YD960\+W1H/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$
M=&@^4V5P+B`S,"P@,C`Q-#QB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,]
M,T1T:#Y397`N(#,P+"`R,#$S/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S
M<STS1'1H/E-E<"X@,S`L(#(P,30\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L
M87-S/3-$=&@^4V5P+B`S,"P@,C`Q,SQB<CX\+W1H/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^/'-T<F]N9SY$971A:6QS($]F($-E<G1A:6X@4W1A
M=&5M96YT<R!/9B!);F-O;64@3&EN97,@1&5T86EL<R!;06)S=')A8W1=/"]S
M=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y&
M;W)E:6=N(&-U<G)E;F-Y(&-O;G9E<G-I;VX@9F5E(')E=F5N=64\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,C(U/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`R,C,\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#8V-3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-C4U
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y$96QI;G%U96YC>2!F965S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XQ.#0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ-S(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XU,SD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XU,#,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/DQO>6%L='D@4&%R=&YE<BUR96QA=&5D(&9E
M97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$P,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C<T/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C@V/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C(Q
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y397)V:6-E(&9E97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/CDT/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^.3<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XR-S0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XR-S,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/D]T:&5R(&-O;6UI<W-I;VYS(&%N9"!F965S/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS.3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0T/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3(P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3,V/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F5U
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P@
M;W1H97(@8V]M;6ES<VEO;G,@86YD(&9E97,\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/B0@-C0R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^)"`V,3`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$L.#@T/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q+#<X.#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O
M9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?.&-C-F-E96-?-#DP
M8E\T,F8Y7S@R9#!?-F$R,S$Q9C<W,#EA#0I#;VYT96YT+4QO8V%T:6]N.B!F
M:6QE.B\O+T,Z+SAC8S9C965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q,68W-S`Y
M82]7;W)K<VAE971S+U-H965T-S@N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%
M;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT
M+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^
M#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT
M/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$
M=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V
M92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*
M("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$,$5.3D%#/@T*("`@
M("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R
M;W=S<&%N/3-$,CX\<W1R;VYG/DYO;BU);G1E<F5S="!2979E;G5E(&%N9"!%
M>'!E;G-E($1E=&%I;"`H1&5T86EL<R`Q*2`H55-$("0I/&)R/DEN($UI;&QI
M;VYS+"!U;FQE<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0R/C,@36]N=&AS
M($5N9&5D/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS
M1#(^.2!-;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q-#QB<CX\
M+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$S/&)R
M/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\
M8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q
M,SQB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N
M9SY$971A:6QS($]F($-E<G1A:6X@4W1A=&5M96YT<R!/9B!);F-O;64@3&EN
M97,@1&5T86EL<R!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y';&]B86P@3F5T=V]R:R!397)V:6-E
M<R!P87)T;F5R(')E=F5N=65S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XD(#$W,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/B0@,3<Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^)"`U,3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XD(#0V-CQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F5T(&=A:6X@;VX@:6YV97-T
M;65N="!S96-U<FET:65S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XR,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C,W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,3`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,3`R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y/=&AE<B!R979E;G5E<SPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^-#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,SDS/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,2PP-C8\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#$S-SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E=3X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1O=&%L(&]T:&5R
M(')E=F5N=65S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#4Y
M,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/B0@-C`Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^)"`Q+#8W.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/B0@,2PW,#4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM
M+2TM+2T]7TYE>'1087)T7SAC8S9C965C7S0Y,&)?-#)F.5\X,F0P7S9A,C,Q
M,68W-S`Y80T*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X8V,V8V5E
M8U\T.3!B7S0R9CE?.#)D,%\V83(S,3%F-S<P.6$O5V]R:W-H965T<R]3:&5E
M=#<Y+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP
M<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U
M<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M
M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H
M87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S
M<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO
M/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,]
M,T1R97!O<G0@:60],T1)1#!%3DY!0SX-"B`@("`@(#QT<CX-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N
M9SY.;VXM26YT97)E<W0@4F5V96YU92!A;F0@17AP96YS92!$971A:6P@*$1E
M=&%I;',@,BD@*%531"`D*3QB<CY);B!-:6QL:6]N<RP@=6YL97-S(&]T:&5R
M=VES92!S<&5C:69I960\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA
M<W,],T1T:"!C;VQS<&%N/3-$,CXS($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@
M("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0R/CD@36]N=&AS($5N9&5D
M/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C
M;&%S<STS1'1H/E-E<"X@,S`L(#(P,30\8G(^/"]T:#X-"B`@("`@("`@/'1H
M(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q,SQB<CX\+W1H/@T*("`@("`@("`\
M=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$T/&)R/CPO=&@^#0H@("`@("`@
M(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,3,\8G(^/"]T:#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^1&5T86EL<R!/9B!#97)T
M86EN(%-T871E;65N=',@3V8@26YC;VUE($QI;F5S($1E=&%I;',@6T%B<W1R
M86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^36%R:V5T:6YG(&%N9"!P<F]M;W1I;VX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/B0@.#`Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^)"`X,C<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#(L-#`W/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`R+#(S-#QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V%R
M9"!-96UB97(@<F5W87)D<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,2PV.34\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ+#8Q.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C4L,#4P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^-"PW-#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-A<F0@365M8F5R('-E<G9I8V5S
M(&%N9"!O=&AE<CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C`U
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,3DW/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^-C$Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^-3<Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F5U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^5&]T86P@;6%R:V5T:6YG+"!P<F]M;W1I;VXL(')E=V%R
M9',L($-A<F0@365M8F5R('-E<G9I8V5S(&%N9"!O=&AE<CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^)"`R+#<P.3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,BPV-#,\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#@L,#<V/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`W
M+#4U,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A
M8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?
M.&-C-F-E96-?-#DP8E\T,F8Y7S@R9#!?-F$R,S$Q9C<W,#EA#0I#;VYT96YT
M+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+SAC8S9C965C7S0Y,&)?-#)F.5\X,F0P
M7S9A,C,Q,68W-S`Y82]7;W)K<VAE971S+U-H965T.#`N:'1M;`T*0V]N=&5N
M="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N
M="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M
M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M
M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C
M<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@
M1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^
M#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$
M,$5*34%%/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C
M;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG/DYO;BU);G1E<F5S="!2
M979E;G5E(&%N9"!%>'!E;G-E($1E=&%I;"`H1&5T86EL<R`S*2`H55-$("0I
M/&)R/CPO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O
M;'-P86X],T0R/C,@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@("`@/'1H(&-L
M87-S/3-$=&@@8V]L<W!A;CTS1#$^-B!-;VYT:',@16YD960\+W1H/@T*("`@
M("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,CXY($UO;G1H<R!%;F1E
M9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@
M8VQA<W,],T1T:#Y397`N(#,P+"`R,#$T/&)R/CPO=&@^#0H@("`@("`@(#QT
M:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,3,\8G(^/"]T:#X-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&@^2G5N+B`S,"P@,C`Q-#QB<CX\+W1H/@T*("`@("`@
M("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$T/&)R/CPO=&@^#0H@("`@
M("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,3,\8G(^/"]T:#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^1&5T86EL<R!/9B!#
M97)T86EN(%-T871E;65N=',@3V8@26YC;VUE($QI;F5S($1E=&%I;',@6T%B
M<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/E!R;V9E<W-I;VYA;"!S97)V:6-E<SPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^)"`W,S$L,#`P+#`P,#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-SDS+#`P,"PP,#`\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M)"`R+#(T,"PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^)"`R+#(W,BPP,#`L,#`P/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y/8V-U<&%N8WD@86YD
M(&5Q=6EP;65N=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#,R
M+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XT-C(L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ+#,V,2PP,#`L,#`P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PS.30L,#`P+#`P
M,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^0V%R9"U296QA=&5D($9R875D($QO<W-E<SPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^.38L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C<S+#`P,"PP,#`\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C@R+#`P,"PP
M,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XR,CDL,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^0V]M;75N:6-A=&EO;G,\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/CDQ+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XY-"PP,#`L,#`P/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(X-2PP,#`L
M,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,C@R+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/D=A:6X@;VX@8G5S:6YE<W,@=')A=F5L(&IO:6YT
M('9E;G1U<F4@=')A;G-A8W1I;VX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6T^*#$U+#`P,"PP,#`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6T^*#8R-BPP,#`L,#`P*3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#8T,2PP,#`L,#`P*3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/D]T:&5R(&YE="!E>'!E;G-E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,C8Q+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XR-CDL,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XX-C8L,#`P+#`P,#QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C<S-"PP
M,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F]U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^5&]T86P@;W1H97(L(&YE="!E>'!E;G-E/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XD(#$L-3DV+#`P,"PP,#`\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$L-CDQ+#`P
M,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^)"`T+#,Y,RPP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^)"`T+#DQ,2PP,#`L,#`P/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D
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M:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-
M"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0]
M,T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T
M97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E
M(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@
M("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P14-'/@T*("`@("`@
M/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S
M<&%N/3-$,3X\<W1R;VYG/D-O;G1I;F=E;F-I97,@*$1E=&%I;',@5&5X='5A
M;',I("A54T0@)"D\8G(^26X@36EL;&EO;G,L('5N;&5S<R!O=&AE<G=I<V4@
M<W!E8VEF:65D/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$
M=&@^4V5P+B`S,"P@,C`Q-#QB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^/'-T<F]N9SY#;VYT:6YG96YC:65S("A497AT=6%L<RD@6T%B
M<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^4F%N9V4@;V8@<&]S<VEB;&4@;&]S<RP@;6EN:6UU;3PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`P/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y286YG92!O9B!P;W-S:6)L
M92!L;W-S+"!M87AI;75M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XD(#,U,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\
M+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A
M<G1?.&-C-F-E96-?-#DP8E\T,F8Y7S@R9#!?-F$R,S$Q9C<W,#EA#0I#;VYT
M96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+SAC8S9C965C7S0Y,&)?-#)F.5\X
M,F0P7S9A,C,Q,68W-S`Y82]7;W)K<VAE971S+U-H965T.#(N:'1M;`T*0V]N
M=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N
M=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\
M:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E
M;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^
M/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^
M+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE
M860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS
M1$E$,$5(,D%)/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T
M;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG/E)E<&]R=&%B;&4@
M3W!E<F%T:6YG(%-E9VUE;G1S(&%N9"!'96]G<F%P:&EC($]P97)A=&EO;G,@
M*$1E=&%I;',I("A54T0@)"D\8G(^26X@36EL;&EO;G,L('5N;&5S<R!O=&AE
M<G=I<V4@<W!E8VEF:65D/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L
M87-S/3-$=&@@8V]L<W!A;CTS1#(^,R!-;VYT:',@16YD960\+W1H/@T*("`@
M("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,CXY($UO;G1H<R!%;F1E
M9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@
M8VQA<W,],T1T:#Y397`N(#,P+"`R,#$T/&)R/CPO=&@^#0H@("`@("`@(#QT
M:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,3,\8G(^/"]T:#X-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q-#QB<CX\+W1H/@T*("`@("`@
M("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$S/&)R/CPO=&@^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/E-E9VUE;G0@4F5P;W)T
M:6YG($EN9F]R;6%T:6]N(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F]N+6EN=&5R97-T(')E
M=F5N=65S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#8L.3,T
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M)"`W+#`Q.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/B0@,C$L,3,W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^)"`R,"PV.3D\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN=&5R97-T(&EN8V]M93PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PX,34\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#<V-SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4L,S4P/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-2PR
M,C,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/DEN=&5R97-T(&5X<&5N<V4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C0R,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C0X-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C$L,S`R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,2PT.34\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1O=&%L(')E=F5N=65S+"!N970@
M;V8@:6YT97)E<W0@97AP96YS93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^."PS,CD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XX+#,P,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C(U+#$X-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C(T+#0R-SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F5T(&EN8V]M93PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PT-S<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#,V-CQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0L-#,X/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-"PP
M-3$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/E4@4R!#87)D(%-E<G9I8V5S(%M-96UB97)=/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/E-E9VUE;G0@4F5P;W)T
M:6YG($EN9F]R;6%T:6]N(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F]N+6EN=&5R97-T(')E
M=F5N=65S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS+#(Q-#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,L
M,#4P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^.2PT-3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XX+#DY,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^26YT97)E<W0@:6YC;VUE/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XQ+#0V-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C$L-#`X/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-"PR.38\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT+#$T.#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YT97)E
M<W0@97AP96YS93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,34R
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,3<R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^-#4U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^-3,R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y4;W1A;"!R979E;G5E<RP@;F5T(&]F(&EN=&5R97-T(&5X
M<&5N<V4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0L-3(W/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-"PR
M.#8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XQ,RPR.30\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ,BPV,#<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/DYE="!I;F-O;64\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C@X.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C<X,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C(L-3,U/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPS,CD\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN=&5R;F%T:6]N86P@
M0V%R9"!397)V:6-E<R!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^/'-T<F]N9SY396=M96YT(%)E<&]R=&EN9R!);F9O
M<FUA=&EO;B!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYO;BUI;G1E<F5S="!R979E;G5E<SPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PR,#8\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#$V,3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,L-3<Q
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,RPT,34\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/DEN=&5R97-T(&EN8V]M93PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,C<S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,C@Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^.#(U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^.#,P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G1E<F5S="!E>'!E;G-E/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XX-3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C@V/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C4Y/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C<S/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A;"!R
M979E;G5E<RP@;F5T(&]F(&EN=&5R97-T(&5X<&5N<V4\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C$L,SDT/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PS-38\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT+#$S-SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,L.3<R/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.970@
M:6YC;VUE/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-#(\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-#(\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS
M-S@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XU,C@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/D=L;V)A;"!#;VUM97)C:6%L(%-E<G9I8V5S(%M-96UB97)=/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/E-E
M9VUE;G0@4F5P;W)T:6YG($EN9F]R;6%T:6]N(%M,:6YE($ET96US73PO<W1R
M;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F]N
M+6EN=&5R97-T(')E=F5N=65S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XY-3<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ+#(W-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C,L-3,X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,RPW.#<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN=&5R97-T(&EN8V]M93PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/CD\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN=&5R97-T(&5X
M<&5N<V4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8Q/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-3D\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ.#8\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ
M.#$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/E1O=&%L(')E=F5N=65S+"!N970@;V8@:6YT97)E<W0@97AP96YS93PO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.3`P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PR,C$\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS+#,V,SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,L
M-C$U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y.970@:6YC;VUE/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XR,#0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XR-C$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XY-#D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XV-S@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/D=L;V)A;"!.971W;W)K($%N9"!-97)C:&%N="!3
M97)V:6-E<R!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^/'-T<F]N9SY396=M96YT(%)E<&]R=&EN9R!);F9O<FUA=&EO
M;B!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/DYO;BUI;G1E<F5S="!R979E;G5E<SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PS-C@\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#,P.3QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0L,#(W/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,RPX-38\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/DEN=&5R97-T(&EN8V]M93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,30\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XX/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,S4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XR,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^26YT97)E<W0@97AP96YS93PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;3XH-C@I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;3XH-C(I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;3XH,C`X*3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$X-RD\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1O=&%L(')E=F5N=65S
M+"!N970@;V8@:6YT97)E<W0@97AP96YS93PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,2PT-3`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XQ+#,W.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C0L,C<P/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-"PP-C8\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYE="!I;F-O;64\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0R-SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,Y,3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L,C0S/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PQ
M-S8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D-O<G!O<F%T92!A;F0@3W1H97(@6TUE;6)E<ET\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4V5G;65N="!297!O
M<G1I;F<@26YF;W)M871I;VX@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.;VXM:6YT97)E<W0@
M<F5V96YU97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$X.3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(R
M,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C4T.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C8U,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^26YT97)E<W0@:6YC;VUE/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XU.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C8W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,3@S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,C$S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G1E<F5S="!E>'!E;G-E/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ.3`\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR,CD\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV,3`\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV.38\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1O=&%L
M(')E=F5N=65S+"!N970@;V8@:6YT97)E<W0@97AP96YS93PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^-3@\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XU.3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$R,3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$V-SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F5T(&EN8V]M93PO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XD("@Q.#4I/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XD("@R,3`I/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XD("@V
M-C<I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;3XD("@V-C`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
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M;VLN:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#`Q+FAT;6PB+SX-
M"B`\;SI&:6QE($A2968],T0B4VAE970P,BYH=&UL(B\^#0H@/&\Z1FEL92!(
M4F5F/3-$(E-H965T,#,N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E
M=#`T+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970P-2YH=&UL(B\^
M#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T,#8N:'1M;"(O/@T*(#QO.D9I;&4@
M2%)E9CTS1")3:&5E=#`W+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE
M970P."YH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T,#DN:'1M;"(O
M/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#$P+FAT;6PB+SX-"B`\;SI&:6QE
M($A2968],T0B4VAE970Q,2YH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H
M965T,3(N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#$S+FAT;6PB
M+SX-"B`\;SI&:6QE($A2968],T0B4VAE970Q-"YH=&UL(B\^#0H@/&\Z1FEL
M92!(4F5F/3-$(E-H965T,34N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3
M:&5E=#$V+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970Q-RYH=&UL
M(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T,3@N:'1M;"(O/@T*(#QO.D9I
M;&4@2%)E9CTS1")3:&5E=#$Y+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B
M4VAE970R,"YH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T,C$N:'1M
M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#(R+FAT;6PB+SX-"B`\;SI&
M:6QE($A2968],T0B4VAE970R,RYH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$
M(E-H965T,C0N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#(U+FAT
M;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970R-BYH=&UL(B\^#0H@/&\Z
M1FEL92!(4F5F/3-$(E-H965T,C<N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS
M1")3:&5E=#(X+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970R.2YH
M=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T,S`N:'1M;"(O/@T*(#QO
M.D9I;&4@2%)E9CTS1")3:&5E=#,Q+FAT;6PB+SX-"B`\;SI&:6QE($A2968]
M,T0B4VAE970S,BYH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T,S,N
M:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#,T+FAT;6PB+SX-"B`\
M;SI&:6QE($A2968],T0B4VAE970S-2YH=&UL(B\^#0H@/&\Z1FEL92!(4F5F
M/3-$(E-H965T,S8N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#,W
M+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970S."YH=&UL(B\^#0H@
M/&\Z1FEL92!(4F5F/3-$(E-H965T,SDN:'1M;"(O/@T*(#QO.D9I;&4@2%)E
M9CTS1")3:&5E=#0P+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970T
M,2YH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T-#(N:'1M;"(O/@T*
M(#QO.D9I;&4@2%)E9CTS1")3:&5E=#0S+FAT;6PB+SX-"B`\;SI&:6QE($A2
M968],T0B4VAE970T-"YH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T
M-#4N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#0V+FAT;6PB+SX-
M"B`\;SI&:6QE($A2968],T0B4VAE970T-RYH=&UL(B\^#0H@/&\Z1FEL92!(
M4F5F/3-$(E-H965T-#@N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E
M=#0Y+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970U,"YH=&UL(B\^
M#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T-3$N:'1M;"(O/@T*(#QO.D9I;&4@
M2%)E9CTS1")3:&5E=#4R+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE
M970U,RYH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T-30N:'1M;"(O
M/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#4U+FAT;6PB+SX-"B`\;SI&:6QE
M($A2968],T0B4VAE970U-BYH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H
M965T-3<N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#4X+FAT;6PB
M+SX-"B`\;SI&:6QE($A2968],T0B4VAE970U.2YH=&UL(B\^#0H@/&\Z1FEL
M92!(4F5F/3-$(E-H965T-C`N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3
M:&5E=#8Q+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970V,BYH=&UL
M(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T-C,N:'1M;"(O/@T*(#QO.D9I
M;&4@2%)E9CTS1")3:&5E=#8T+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B
M4VAE970V-2YH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T-C8N:'1M
M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#8W+FAT;6PB+SX-"B`\;SI&
M:6QE($A2968],T0B4VAE970V."YH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$
M(E-H965T-CDN:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#<P+FAT
M;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970W,2YH=&UL(B\^#0H@/&\Z
M1FEL92!(4F5F/3-$(E-H965T-S(N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS
M1")3:&5E=#<S+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970W-"YH
M=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T-S4N:'1M;"(O/@T*(#QO
M.D9I;&4@2%)E9CTS1")3:&5E=#<V+FAT;6PB+SX-"B`\;SI&:6QE($A2968]
M,T0B4VAE970W-RYH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T-S@N
M:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#<Y+FAT;6PB+SX-"B`\
M;SI&:6QE($A2968],T0B4VAE970X,"YH=&UL(B\^#0H@/&\Z1FEL92!(4F5F
M/3-$(E-H965T.#$N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#@R
M+FAT;6PB+SX-"CPO>&UL/@T*+2TM+2TM/5].97AT4&%R=%\X8V,V8V5E8U\T
>.3!B7S0R9CE?.#)D,%\V83(S,3%F-S<P.6$M+0T*
`
end

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>42
<FILENAME>R43.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EDQAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Accounts Receivable and Loans (Details 3)<br></strong></div>
        </th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U S Card Services [Member] | Card Member Loans [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract', window );"><strong>Credit Quality Indicator for Loans and Receivables</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_NetWriteOffRatePrincipal', window );">Net Write-Off Rate - Principal Only</a></td>
        <td class="nump">1.60%<span></span></td>
        <td class="nump">1.90%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_NetWriteOffRatePrincipalInterestFees', window );">Net Write-Off Rate - Principal, Interest, and Fees</a></td>
        <td class="nump">1.80%<span></span></td>
        <td class="nump">2.10%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ThirtyDaysPastDueAsPercentageOfTotal', window );">30 Days Past Due as a % of Total</a></td>
        <td class="nump">1.00%<span></span></td>
        <td class="nump">1.10%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U S Card Services [Member] | Card Member Receivables [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract', window );"><strong>Credit Quality Indicator for Loans and Receivables</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_NetWriteOffRatePrincipal', window );">Net Write-Off Rate - Principal Only</a></td>
        <td class="nump">1.70%<span></span></td>
        <td class="nump">1.80%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_NetWriteOffRatePrincipalInterestFees', window );">Net Write-Off Rate - Principal, Interest, and Fees</a></td>
        <td class="nump">1.90%<span></span></td>
        <td class="nump">1.90%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ThirtyDaysPastDueAsPercentageOfTotal', window );">30 Days Past Due as a % of Total</a></td>
        <td class="nump">1.60%<span></span></td>
        <td class="nump">1.70%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">International Card Services [Member] | Card Member Loans [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract', window );"><strong>Credit Quality Indicator for Loans and Receivables</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_NetWriteOffRatePrincipal', window );">Net Write-Off Rate - Principal Only</a></td>
        <td class="nump">2.00%<span></span></td>
        <td class="nump">1.90%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_NetWriteOffRatePrincipalInterestFees', window );">Net Write-Off Rate - Principal, Interest, and Fees</a></td>
        <td class="nump">2.40%<span></span></td>
        <td class="nump">2.30%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ThirtyDaysPastDueAsPercentageOfTotal', window );">30 Days Past Due as a % of Total</a></td>
        <td class="nump">1.60%<span></span></td>
        <td class="nump">1.50%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">International Card Services [Member] | Card Member Receivables [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract', window );"><strong>Credit Quality Indicator for Loans and Receivables</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_NetWriteOffRatePrincipal', window );">Net Write-Off Rate - Principal Only</a></td>
        <td class="nump">2.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_NetWriteOffRatePrincipalInterestFees', window );">Net Write-Off Rate - Principal, Interest, and Fees</a></td>
        <td class="nump">2.10%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ThirtyDaysPastDueAsPercentageOfTotal', window );">30 Days Past Due as a % of Total</a></td>
        <td class="nump">1.40%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_NetLossRatioAsPercentageOfChargeVolume', window );">Net Loss Ratio as a % of Charge Volume</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0.20%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_NinetyDaysPastBillingAsPercentageOfReceivables', window );">90 days past billing as a percentage of receivables</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1.10%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Global Commercial Services [Member] | Card Member Receivables [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract', window );"><strong>Credit Quality Indicator for Loans and Receivables</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_NetLossRatioAsPercentageOfChargeVolume', window );">Net Loss Ratio as a % of Charge Volume</a></td>
        <td class="nump">0.09%<span></span></td>
        <td class="nump">0.07%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_NinetyDaysPastBillingAsPercentageOfReceivables', window );">90 days past billing as a percentage of receivables</a></td>
        <td class="nump">0.80%<span></span></td>
        <td class="nump">0.80%<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_CreditQualityIndicatorForLoansAndReceivablesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_CreditQualityIndicatorForLoansAndReceivablesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_NetLossRatioAsPercentageOfChargeVolume">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the ratio of charge card write-offs consisting of principal (resulting from authorized and unauthorized transactions) and fee components, less recoveries, on cardmember receivables expressed as a percentage of gross amounts billed to cardmembers.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_NetLossRatioAsPercentageOfChargeVolume</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_NetWriteOffRatePrincipal">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the amount of cardmember loans or cardmember receivables written off consisting of principal (resulting from authorized transactions), less recoveries, as a percentage of the average loan balance or average receivables during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_NetWriteOffRatePrincipal</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_NetWriteOffRatePrincipalInterestFees">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the amount of cardmember loans or cardmember receivables written off consisting of principal, interest, and fees (resulting from authorized transactions), less recoveries, as a percentage of the average loan balance or average receivables during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_NetWriteOffRatePrincipalInterestFees</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_NinetyDaysPastBillingAsPercentageOfReceivables">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents metric calculated as cardmember receivables that are 90 days past billing expressed as a percentage of total cardmember receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_NinetyDaysPastBillingAsPercentageOfReceivables</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_ThirtyDaysPastDueAsPercentageOfTotal">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents metric calculated as accounts receivable or loans that are 30 days past due expressed as a percentage of total accounts receivables or loans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_ThirtyDaysPastDueAsPercentageOfTotal</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>43
<FILENAME>R29.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E1AAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Investment Securities (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_InvestmentSecuritiesTablesAbstract', window );"><strong>Investment Securities (Tables) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock', window );">Schedule of Available for Sale Securities by Type</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following is a summary of investment securities as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:111.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:111.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='11' rowspan='1' style='width:174pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:174pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='11' rowspan='1' style='width:174pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:174pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >2013</font></td></tr><tr style='height:10.5pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:111.75pt;text-align:center;border-color:Black;min-width:111.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-style:italic;color:#000000;' > </font></td><td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td colspan='1' rowspan='3' style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td colspan='1' rowspan='3' style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td><td colspan='1' rowspan='3' style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td colspan='1' rowspan='3' style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td colspan='1' rowspan='3' style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td></tr><tr style='height:8.25pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:111.75pt;text-align:center;border-color:Black;min-width:111.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-style:italic;color:#000000;' > </font></td><td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Description of Securities </font><font style='font-family:Times New Roman;font-size:7pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Cost</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gains</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Losses</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Value</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Cost</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gains</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Losses</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Value</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:118.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >State and municipal obligations</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3,628 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 130 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (3)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3,755 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4,060 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 54 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (79)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4,035 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. Government agency</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:111.75pt;text-align:left;border-color:Black;min-width:111.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >obligations</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 3 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 3 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. Government treasury </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:111.75pt;text-align:left;border-color:Black;min-width:111.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >obligations</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 346 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (1)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 349 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 318 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 3 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 320 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Corporate debt securities</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 39 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 42 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 43 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 3 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 46 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Mortgage-backed securities</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 137 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 7 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 144 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 160 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 164 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Equity securities</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 29 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 95 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 124 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Foreign government bonds and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:111.75pt;text-align:left;border-color:Black;min-width:111.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >obligations</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 399 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 8 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 407 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 272 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 276 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></sup></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 50 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (1)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 49 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 50 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (2)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 48 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:118.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:center;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4,602 </font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 153 </font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;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:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (5)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4,750 </font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;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:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,935</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >165</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;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:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(84)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5,016</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents mortgage-backed securities guaranteed by Fannie Mae, Freddie Mac or </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Ginnie</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > Mae. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Primarily represents the Company&#8217;s investment in the </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Industrial and Commercial Bank of China (ICBC) </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >as of December </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >31, 2013.</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other comprises investments in </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >various mutual funds.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock', window );">Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value</a></td>
        <td class="text"><div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >
</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table provides information about the Company&#8217;s investment securities with gross unrealized losses and the length of time that individual securities have been in a continuous unrealized loss position as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >and </font><font style='font-family:Times New Roman;font-size:11pt;' >December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:108.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:108.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='11' rowspan='1' style='width:177pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:177pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='11' rowspan='1' style='width:176.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:176.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td></tr><tr style='height:12pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:108.75pt;text-align:left;border-color:Black;min-width:108.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' > </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:86.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:86.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Less than 12 months</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:87pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:87pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >12 months or more</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:86.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:86.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Less than 12 months</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:86.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:86.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >12 months or more</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:108.75pt;text-align:left;border-color:Black;min-width:108.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font></td><td style='width:3.75pt;text-align:center;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td colspan='1' rowspan='3' style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td colspan='1' rowspan='3' style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td colspan='1' rowspan='3' style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td colspan='1' rowspan='3' style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td colspan='1' rowspan='3' style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td colspan='1' rowspan='3' style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:108.75pt;text-align:left;border-color:Black;min-width:108.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:116.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:116.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Description of Securities </font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:3.75pt;text-align:center;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair&#160;Value</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Losses</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair&#160;Value</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Losses</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair&#160;Value</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Losses</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair&#160;Value</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Losses</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:116.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:116.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >State and municipal obligations</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 72 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (3)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,320 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (63)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 106 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (16)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:116.25pt;text-align:left;border-color:Black;min-width:116.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Foreign government bonds and </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:108.75pt;text-align:left;border-color:Black;min-width:108.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >obligations</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 208 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:116.25pt;text-align:left;border-color:Black;min-width:116.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S. Government treasury</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:108.75pt;text-align:left;border-color:Black;min-width:108.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >obligations</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 127 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (1)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 166 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:116.25pt;text-align:left;border-color:Black;min-width:116.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Mortgage-backed securities</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 35 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:116.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:116.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 32 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (1)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 30 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 17 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:116.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:116.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 127 </font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (1)</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 104 </font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (4)</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,759 </font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (67)</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 123 </font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (17)</font></td></tr></table></div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AvailableForSaleSecuritiesRatioOfFairValueToAmortizedCostTextBlock', window );">Available for Sale Securities Ratio of Fair Value to Amortized Cost</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table summarizes the gross unrealized losses due to temporary impairments by ratio of fair value to amortized cost as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >:</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:101.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:101.25pt;' ></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='7' rowspan='1' style='width:122.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:122.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >Less than 12 months</font></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:2.25pt;' ></td><td colspan='7' rowspan='1' style='width:122.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:122.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >12 months or more</font></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:2.25pt;' ></td><td colspan='7' rowspan='1' style='width:122.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:122.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >Total</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:101.25pt;text-align:left;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Ratio of Fair Value to</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:101.25pt;text-align:left;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Amortized Cost</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:101.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-style:italic;color:#000000;' >(Dollars in millions)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Securities</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair Value</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Losses</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Securities</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair Value</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Losses</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Securities</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair Value</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Losses</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014:</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:101.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >90%&#8211;100%</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > 6 </font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > 127 </font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > (1)</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >17 </font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >104 </font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >(4)</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > 23 </font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > 231 </font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > (5)</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >Total as of September 30, 2014</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > 6 </font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > 127 </font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > (1)</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > 17 </font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > 104 </font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > (4)</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > 23 </font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > 231 </font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > (5)</font></td></tr><tr style='height:9pt;' ><td style='width:3.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:97.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:97.5pt;' ></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013:</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:101.25pt;text-align:left;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >90%&#8211;100%</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >228</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >1,665</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >(53)</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >6</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >24</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >(2)</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >234</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >1,689</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >(55)</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:101.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >Less than 90%</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >13</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >94</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >(14)</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >5</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >99</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >(15)</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >18</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >193</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >(29)</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >Total as of December 31, 2013</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >241</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >1,759</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >(67)</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >11</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >123</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >(17)</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >252</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >1,882</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >(84)</font></td></tr></table></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock', window );">Contractual maturities of investment securities</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >Contractual maturities of investment securities, excluding equity securities and other securities, as of </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > were as follows: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:318pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:318pt;' ></td><td colspan='1' rowspan='2' style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td colspan='1' rowspan='2' style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Estimated</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:329.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:329.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Cost&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fair&#160;Value</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:329.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:329.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due within 1 year</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 579 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 580 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:329.25pt;text-align:left;border-color:Black;min-width:329.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due after 1 year but within 5 years</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 435 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 442 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:329.25pt;text-align:left;border-color:Black;min-width:329.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due after 5 years but within 10 years</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 235 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 251 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:329.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:329.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due after 10 years</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 3,303 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 3,427 </font></td></tr><tr style='height:14.25pt;' ><td colspan='2' rowspan='1' style='width:329.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:329.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 4,552 </font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 4,700 </font></td></tr></table></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_AvailableForSaleSecuritiesRatioOfFairValueToAmortizedCostTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents table summarizing the gross unrealized losses due to temporary impairments by ratio of fair value to amortized cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_AvailableForSaleSecuritiesRatioOfFairValueToAmortizedCostTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_InvestmentSecuritiesTablesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_InvestmentSecuritiesTablesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of maturities of an entity's investments as well as any other information pertinent to the investments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the reconciliation of available-for-sale securities from cost basis to fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For all investments in an unrealized loss position, including those for which other-than-temporary impairments have not been recognized in earnings (including investments for which a portion of an other-than-temporary impairment has been recognized in other comprehensive income), a tabular disclosure of the aggregate related fair value of investments with unrealized losses and the aggregate amount of unrealized losses (that is, the amount by which amortized cost basis exceeds fair value).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>44
<FILENAME>R28.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E1AAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Reserves For Losses (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ReservesForLossesTablesAbstract', window );"><strong>Reserves For Losses Tables [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock', window );">Changes in the Card Member receivable reserve for losses</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >The following table presents changes in the </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > receivables reserve for losses for</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > the</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >:</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td colspan='3' rowspan='1' style='width:324.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:324.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:324.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:324.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance, January&#160;1</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >386</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >428</font></td></tr><tr style='height:12pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:316.5pt;text-align:left;border-color:Black;min-width:316.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Provisions</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >594</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >474</font></td></tr><tr style='height:12pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:316.5pt;text-align:left;border-color:Black;min-width:316.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net write-offs</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(527)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(507)</font></td></tr><tr style='height:12pt;' ><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:316.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:316.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(c)</font></sup></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(21)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1</font></td></tr><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:324.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:324.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance, September 30</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >432</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >396</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >P</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >rovisions for</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >principal (resulting from authorized transactions) and fee reserve components. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Consists of principal (resulting from authorized transactions) and fee components, less recoveries of $</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >269</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >304</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million, including net write-offs from TDRs of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >14</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >16</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million, for the </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >nine months ended</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > respectively. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Beginning in first quarter </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >reserves for card related fraud losses</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >of $</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(7)</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million are reflected in </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >other</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > liabilities. All periods include </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >foreign currency translation adjustments of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$(6)</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >million </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >and $</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(3)</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million for the </font><font style='font-family:Times New Roman;font-size:8pt;' >nine months ended</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;' >, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, respectively</font><font style='font-family:Times New Roman;font-size:8pt;' >,</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >and other items of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(8)</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >for the </font><font style='font-family:Times New Roman;font-size:8pt;' >nine months ended</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;' >, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, respectively</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock', window );">Card Member receivables and related reserves evaluated separately and collectively for impairment</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table presents </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > receivables evaluated </font><font style='font-family:Times New Roman;font-size:11pt;' >individually and collectively for impair</font><font style='font-family:Times New Roman;font-size:11pt;' >ment and related reserves as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td style='width:345.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:345.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:12.75pt;' ><td style='width:345.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:345.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member receivables evaluated individually for impairment</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >44</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >50</font></td></tr><tr style='height:12.75pt;' ><td style='width:345.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:345.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Related reserves </font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >32</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >38</font></td></tr><tr style='height:12.75pt;' ><td style='width:345.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:345.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member receivables evaluated collectively for impairment</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >45,073</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >44,113</font></td></tr><tr style='height:12.75pt;' ><td style='width:345.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:345.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Related reserves </font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >400</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >348</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents receivables modified in a TDR and related reserves</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Refer to</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > the Impaired </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Loans</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and Receivables</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > dis</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >cussion in N</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ote </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > on pages 74 &#8211; 76</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > of the Annual Report </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >for further information.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >The reserves include the quantitative results of analytical models that are specific to individual pools of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >receivables</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and reserves for </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >internal and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >external qualitative </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >risk </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >factors that apply to receivables</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > that are collectively evaluated for impairment</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_CardmemberLoansReservesRollforwardTextBlock', window );">Changes in the Card Member loans reserve for losses</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >The following table presents changes in the </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > loans reserve for losses for </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >the </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:318.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:318.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance, January&#160;1</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,261</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,471</font></td></tr><tr style='height:12.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:307.5pt;text-align:left;border-color:Black;min-width:307.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Provisions</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >797</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >825</font></td></tr><tr style='height:12.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:307.5pt;text-align:left;border-color:Black;min-width:307.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net write-offs</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:296.25pt;text-align:left;border-color:Black;min-width:296.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Principal</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(786)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(888)</font></td></tr><tr style='height:12.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:296.25pt;text-align:left;border-color:Black;min-width:296.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Interest and fees</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(124)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(113)</font></td></tr><tr style='height:12.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:307.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:307.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(2)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(14)</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:318.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance, September 30</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,146</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,281</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >P</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >rovisions for principal (resulting from authorized transacti</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ons), interest and fee reserve</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >s</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >components. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Consists of</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > principal </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >write-offs (resulting from authorized transactions), less recoveries of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >324</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >million </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >and</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >343</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >million</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, including net write-offs from TDRs of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(5)</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >million and</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >million</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >for the </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >nine months ended</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >respectively.</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > Recoveries of interest and fees were de </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >minimis</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Beginning </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >in </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >first quarter </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >reserves </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >for</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >card related fraud losses</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > of $</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(6)</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >are reflected in </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >other liabilities.</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >All periods include </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >foreign currency translation adjustments </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >of</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(7)</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >million</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(8)</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >million </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >for</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >t</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >he </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >nine months ended</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > respectively,</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >and</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > other </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >item</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >s of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >11</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >million </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(6)</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >million</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > for the</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >nine months ended</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >respectivel</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >y. </font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock', window );">Card Member loans and related reserves evaluated separately and collectively for impairment</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table presents </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > loans evaluated </font><font style='font-family:Times New Roman;font-size:11pt;' >individually</font><font style='font-family:Times New Roman;font-size:11pt;' > and collectively for impairment and related reserves as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td style='width:345.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:345.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:12.75pt;' ><td style='width:345.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:345.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member loans evaluated individually for impairment</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >309</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >378</font></td></tr><tr style='height:12.75pt;' ><td style='width:345.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:345.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Related reserves </font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >70</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >84</font></td></tr><tr style='height:12.75pt;' ><td style='width:345.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:345.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member loans evaluated collectively for impairment</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >65,748</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >66,860</font></td></tr><tr style='height:12.75pt;' ><td style='width:345.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:345.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Related reserves </font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,076</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,177</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents loans modified</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > in a TDR and related reserves.</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > Refer to the Impaired </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Loans and Receivables d</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >iscussion in Note </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4 on pages 74 &#8211; 76</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > of the Annual Report</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > for further </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >information.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents current loans and loans less than 90 days past due, loans over 90 days past due and accruing </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >interest, and non-accrual loans</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >. The reserves include the </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >quantitative </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >results of analytical models that are specific to individual pools of loans and r</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >eserves for </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >internal and external </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >qualitative </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >risk </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >factors that apply </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >to</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > loans </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >that are </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >collectively evaluated for impairment. </font></li></ul></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of cardmember loans that are evaluated separately and collectively for impairment and the related reserves.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_CardmemberLoansReservesRollforwardTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of changes in the cardmember loans reserve for losses for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_CardmemberLoansReservesRollforwardTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of cardmember receivables that are evaluated separately and collectively for impairment and the related reserves.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_ReservesForLossesTablesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_ReservesForLossesTablesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of credit losses for current financing receivables (such as trade and accounts receivable), including a rollforward of the balance.  An alternative caption includes allowance for doubtful accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>45
<FILENAME>R56.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EILAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Investment Securities (Details 3) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract', window );"><strong>Available For Sale Securities Debt Maturities Amortized Cost [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost', window );">Due within 1 year</a></td>
        <td class="nump">$ 579<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost', window );">Due after 1 year but within 5 years</a></td>
        <td class="nump">435<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost', window );">Due after 5 years but within 10 years</a></td>
        <td class="nump">235<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost', window );">Due after 10 years</a></td>
        <td class="nump">3,303<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost', window );">Total</a></td>
        <td class="nump">4,552<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract', window );"><strong>Estimated Fair Value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Estimated Fair Value, Due within 1 year</a></td>
        <td class="nump">580<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">Estimated Fair Value, Due after 1 year but within 5 years</a></td>
        <td class="nump">442<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">Estimated Fair Value, Due after 5 years but within 10 years</a></td>
        <td class="nump">251<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue', window );">Estimated Fair Value, Due after 10 years</a></td>
        <td class="nump">3,427<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Total</a></td>
        <td class="nump">$ 4,700<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of available-for-sale debt securities at cost, net of adjustments, maturing in the sixth fiscal year through the tenth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings (less any cumulative-effect adjustments, as defined) and fair value hedge accounting adjustments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of available-for-sale debt securities at fair value maturing in the sixth fiscal year through the tenth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of available-for-sale debt securities at cost, net of adjustments, maturing in the second fiscal year through the fifth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings (less any cumulative-effect adjustments, as defined) and fair value hedge accounting adjustments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of available-for-sale debt securities at fair value maturing in the second fiscal year through the fifth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of available-for-sale debt securities at cost, net of adjustments, maturing after the tenth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings (less any cumulative-effect adjustments, as defined) and fair value hedge accounting adjustments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of available-for-sale debt securities at fair value maturing after the tenth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of available-for-sale debt securities at cost, net of adjustments, which include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings (less any cumulative-effect adjustments, as defined) and fair value hedge accounting adjustments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (aa)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of available-for-sale debt securities at cost, net of adjustments, maturing in the next fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings (less any cumulative-effect adjustments, as defined) and fair value hedge accounting adjustments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of available-for-sale debt securities at fair value maturing in the next fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of debt securities categorized neither as held-to-maturity nor trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (aa)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (b)-(g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62557-112803<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>46
<FILENAME>R44.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EVZAG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Accounts Receivable and Loans (Details 4) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Impaired loans and receivables</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">Loans over 90 days past due and accruing interest</a></td>
        <td class="nump">$ 220<span></span></td>
        <td class="nump">$ 224<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest', window );">Non-accrual loans</a></td>
        <td class="nump">188<span></span></td>
        <td class="nump">248<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsRecordedInvestment', window );">Loans and receivables modified as a Troubled Debt Restructuring</a></td>
        <td class="nump">353<span></span></td>
        <td class="nump">428<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Total impaired loans and receivables</a></td>
        <td class="nump">761<span></span></td>
        <td class="nump">900<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance', window );">Unpaid principal balance</a></td>
        <td class="nump">696<span></span></td>
        <td class="nump">842<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related allowance for Troubled Debt Restructurings</a></td>
        <td class="nump">102<span></span></td>
        <td class="nump">122<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AccountsReceivableAndLoansTextualsAbstract', window );"><strong>Accounts Receivable and Loans Textuals [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountNonAccrualStatus', window );">Total loans and receivables modified as a TDR, non-accrual</a></td>
        <td class="nump">87<span></span></td>
        <td class="nump">92<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountOverNinetyDaysAccrualOfInterest', window );">Total loans and receivables modified as a TDR, past due 90 days and still accruing</a></td>
        <td class="nump">20<span></span></td>
        <td class="nump">26<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U S Card Services [Member] | Card Member Loans [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Impaired loans and receivables</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">Loans over 90 days past due and accruing interest</a></td>
        <td class="nump">160<span></span></td>
        <td class="nump">170<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest', window );">Non-accrual loans</a></td>
        <td class="nump">188<span></span></td>
        <td class="nump">244<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsRecordedInvestment', window );">Loans and receivables modified as a Troubled Debt Restructuring</a></td>
        <td class="nump">309<span></span></td>
        <td class="nump">373<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Total impaired loans and receivables</a></td>
        <td class="nump">657<span></span></td>
        <td class="nump">787<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance', window );">Unpaid principal balance</a></td>
        <td class="nump">594<span></span></td>
        <td class="nump">731<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related allowance for Troubled Debt Restructurings</a></td>
        <td class="nump">70<span></span></td>
        <td class="nump">84<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U S Card Services [Member] | Card Member Receivables [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Impaired loans and receivables</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">Loans over 90 days past due and accruing interest</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest', window );">Non-accrual loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsRecordedInvestment', window );">Loans and receivables modified as a Troubled Debt Restructuring</a></td>
        <td class="nump">44<span></span></td>
        <td class="nump">50<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Total impaired loans and receivables</a></td>
        <td class="nump">44<span></span></td>
        <td class="nump">50<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance', window );">Unpaid principal balance</a></td>
        <td class="nump">43<span></span></td>
        <td class="nump">49<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related allowance for Troubled Debt Restructurings</a></td>
        <td class="nump">32<span></span></td>
        <td class="nump">38<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">International Card Services [Member] | Card Member Loans [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Impaired loans and receivables</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">Loans over 90 days past due and accruing interest</a></td>
        <td class="nump">60<span></span></td>
        <td class="nump">54<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest', window );">Non-accrual loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">4<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsRecordedInvestment', window );">Loans and receivables modified as a Troubled Debt Restructuring</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">5<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Total impaired loans and receivables</a></td>
        <td class="nump">60<span></span></td>
        <td class="nump">63<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance', window );">Unpaid principal balance</a></td>
        <td class="nump">59<span></span></td>
        <td class="nump">62<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related allowance for Troubled Debt Restructurings</a></td>
        <td class="nump">$ 0<span></span></td>
        <td class="nump">$ 0<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_AccountsReceivableAndLoansTextualsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_AccountsReceivableAndLoansTextualsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The unpaid principal balance related to impaired financing receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_LoansAndLeasesReceivableImpairedUnpaidPrincipalBalance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountNonAccrualStatus">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Recorded investment in financing receivables that have been modified in a Troubled Debt Restructuring and are on nonaccrual status as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountNonAccrualStatus</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountOverNinetyDaysAccrualOfInterest">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Recorded investment in financing receivables that have been modified in a Troubled Debt Restructuring and are 90 days or more past due and still accruing interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_LoansAndReceivablesImpairedTroubledDebtRestructuringAmountOverNinetyDaysAccrualOfInterest</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsRecordedInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the outstanding recorded investment related to financing receivables that have been modified by troubled debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 40<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25495931&amp;loc=d3e18845-111554<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableModificationsRecordedInvestment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Recorded investment in financing receivables that are 90 days or more past due and still accruing.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5111-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 14A<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953550-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableRecordedInvestment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of allowance for credit losses related to recorded investment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (a)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5212-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableRelatedAllowance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoanAndLeaseReceivablesImpairedAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the carrying amount of loans deemed to be questionable as to collection on which no interest is continuing to be recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5111-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>47
<FILENAME>R30.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Asset Securitizations (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAbstract', window );"><strong>Cash And Cash Equivalents [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTextBlock', window );">Restricted cash held by trusts</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:10pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table provides information on the restricted cash held by the American Express Issuance Trust II (the Charge Trust) and the American Express C</font><font style='font-family:Times New Roman;font-size:11pt;' >redit Account Master Trust (the Lending Trust) as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >, included in O</font><font style='font-family:Times New Roman;font-size:11pt;' >ther assets on the Company&#8217;s Consolidated Balance Sheets:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:15.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:15.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:12.75pt;' ><td style='width:311.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Charge Trust</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2</font></td></tr><tr style='height:12.75pt;' ><td style='width:311.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Lending Trust</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >43</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >56</font></td></tr><tr style='height:12.75pt;' ><td style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total </font></td><td style='width:15.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15.75pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >44</font></td><td style='width:15.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15.75pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >58</font></td></tr></table></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the cash and cash items which are restricted as to withdrawal or usage. The provisions of any restrictions are described in a note to the financial statements. Restrictions may include legally restricted deposits held as compensating balances against short-term borrowing arrangements, contracts entered into with others, or entity statements of intention with regard to particular deposits; however, time deposits and short-term certificates of deposit are not generally included in legally restricted deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfRestrictedCashAndCashEquivalentsTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>48
<FILENAME>R31.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E1AAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Customer Deposits (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_CustomerDepositsTablesAbstract', window );"><strong>Customer Deposits (Tables) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DepositsByComponentAlternativeTextBlock', window );">Deposits By Component Alternative</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >As of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >customer deposits </font><font style='font-family:Times New Roman;font-size:11pt;' >we</font><font style='font-family:Times New Roman;font-size:11pt;' >re categorized as interest </font><font style='font-family:Times New Roman;font-size:11pt;' >bearing or non-interest</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >bearing</font><font style='font-family:Times New Roman;font-size:11pt;' >,</font><font style='font-family:Times New Roman;font-size:11pt;' > as follows</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:318.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:318.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S.:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:52.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:52.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Interest bearing</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 41,883 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >40,831</font></td></tr><tr style='height:15.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Non-interest bearing (includes Card Member credit balances of: </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' ></td></tr><tr style='height:15pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014, $304; 2013, $340)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 336 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >360</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:318.75pt;text-align:left;border-color:Black;min-width:318.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Non-U.S.:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' ></td></tr><tr style='height:13.5pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Interest bearing</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 108 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >121</font></td></tr><tr style='height:11.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Non-interest bearing (includes Card Member credit balances of: </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' ></td></tr><tr style='height:12pt;' ><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:303.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:303.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014, $361; 2013, $437)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 376 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >451</font></td></tr><tr style='height:13.5pt;' ><td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:318.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total customer deposits</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 42,703 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >41,763</font></td></tr></table></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DepositsByTypeTextBlock', window );">Deposits By Type</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >C</font><font style='font-family:Times New Roman;font-size:11pt;' >ustomer deposits </font><font style='font-family:Times New Roman;font-size:11pt;' >by deposit type</font><font style='font-family:Times New Roman;font-size:11pt;' > as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >were </font><font style='font-family:Times New Roman;font-size:11pt;' >as follows</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td colspan='3' rowspan='1' style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:311.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S. retail deposits:</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:52.5pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:51.75pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Savings accounts &#8211; Direct</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 26,248 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >24,550</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Certificates of deposit:</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:296.25pt;text-align:left;border-color:Black;min-width:296.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Direct</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 355 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >489</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:296.25pt;text-align:left;border-color:Black;min-width:296.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Third-party </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 6,371 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6,929</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Sweep accounts &#8211; Third-party </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 8,909 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8,863</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other retail deposits:</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Non-U.S. deposits and U.S. non-interest bearing deposits</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 155 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >155</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:311.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member credit balances &#8213; U.S. and non-U.S.</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 665 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >777</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total customer deposits</font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 42,703 </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >41,763</font></td></tr></table></div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_TimeDepositsByMaturityTextBlock', window );">Time Deposits By Maturity</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The scheduled maturities of certificates of deposit as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >we</font><font style='font-family:Times New Roman;font-size:11pt;' >re as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td style='width:267pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S.</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Non-U.S.</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td></tr><tr style='height:9.75pt;' ><td style='width:267pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:21pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,073 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:21pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 3 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:21pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,076 </font></td></tr><tr style='height:9.75pt;' ><td style='width:267pt;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2015</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,259 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 4 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,263 </font></td></tr><tr style='height:9.75pt;' ><td style='width:267pt;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2016</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,684 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,684 </font></td></tr><tr style='height:9.75pt;' ><td style='width:267pt;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2017</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 937 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 937 </font></td></tr><tr style='height:9.75pt;' ><td style='width:267pt;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2018</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,089 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,089 </font></td></tr><tr style='height:9.75pt;' ><td style='width:267pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >After 5 years</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 684 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 684 </font></td></tr><tr style='height:12pt;' ><td style='width:267pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:21pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 6,726 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:21pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 7 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:21pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 6,733 </font></td></tr></table></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_TimeDeposits100000OrMoreTextBlock', window );">Time Deposits $100,000 Or More</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >As of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >certificates of</font><font style='font-family:Times New Roman;font-size:11pt;' > deposit in denominations of $25</font><font style='font-family:Times New Roman;font-size:11pt;' >0,000 or more</font><font style='font-family:Times New Roman;font-size:11pt;' >, in the </font><font style='font-family:Times New Roman;font-size:11pt;' >aggregate</font><font style='font-family:Times New Roman;font-size:11pt;' >,</font><font style='font-family:Times New Roman;font-size:11pt;' > were as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:14.25pt;' ><td style='width:326.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:12pt;' ><td style='width:326.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S.</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 115 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >148</font></td></tr><tr style='height:12pt;' ><td style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Non-U.S.</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 2 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#8213;</font></td></tr><tr style='height:12pt;' ><td style='width:326.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 117 </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >148</font></td></tr></table></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_CustomerDepositsTablesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_CustomerDepositsTablesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_DepositsByComponentAlternativeTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents table categorizing customer deposits as interest-bearing or non-interest-bearing deposits, as well as by U.S. or Non-U.S.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_DepositsByComponentAlternativeTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_DepositsByTypeTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents table aggregated by deposit type offered by the Company.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_DepositsByTypeTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_TimeDeposits100000OrMoreTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents table summarizing the outstanding amounts of certificates of deposit in denominations of $100,000 or more.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_TimeDeposits100000OrMoreTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_TimeDepositsByMaturityTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents table detailing scheduled maturities of all certificates of deposit.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_TimeDepositsByMaturityTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>49
<FILENAME>R8.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EBRAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Consolidated Statements of Cash Flows (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Cash Flows from Operating Activities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">$ 4,438<span></span></td>
        <td class="nump">$ 4,051<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to net cash provided by operating activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provisions for losses</a></td>
        <td class="nump">1,462<span></span></td>
        <td class="nump">1,353<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepreciationAmortizationAndAccretionNet', window );">Depreciation and amortization</a></td>
        <td class="nump">764<span></span></td>
        <td class="nump">763<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DeferredTaxesAndOther', window );">Deferred taxes and other</a></td>
        <td class="num">(497)<span></span></td>
        <td class="num">(111)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Stock-based compensation</a></td>
        <td class="nump">210<span></span></td>
        <td class="nump">275<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract', window );"><strong>Changes in operating assets and liabilities, net of effects of acquisitions and dispositions:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherReceivables', window );">Other receivables</a></td>
        <td class="nump">275<span></span></td>
        <td class="num">(38)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">Other assets</a></td>
        <td class="nump">850<span></span></td>
        <td class="nump">1,432<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities', window );">Accounts payable and other liabilities</a></td>
        <td class="nump">1,793<span></span></td>
        <td class="nump">981<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_IncreaseDecreaseInTravelersChequesOutstanding', window );">Travelers Cheques and other prepaid products</a></td>
        <td class="num">(709)<span></span></td>
        <td class="num">(503)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations', window );">Net cash provided by operating activities</a></td>
        <td class="nump">8,586<span></span></td>
        <td class="nump">8,203<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract', window );"><strong>Cash Flows from Investing Activities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities', window );">Sale of investments</a></td>
        <td class="nump">122<span></span></td>
        <td class="nump">175<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities', window );">Maturity and redemption of investments</a></td>
        <td class="nump">966<span></span></td>
        <td class="nump">856<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireInvestments', window );">Purchase of investments</a></td>
        <td class="num">(825)<span></span></td>
        <td class="num">(873)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromLoansAndLeases', window );">Net (increase) in Card Member loans/receivables</a></td>
        <td class="num">(2,349)<span></span></td>
        <td class="num">(791)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment', window );">Purchase of premises and equipment, net of sales</a></td>
        <td class="num">(854)<span></span></td>
        <td class="num">(635)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromBusinessesAndInterestInAffiliates', window );">Acquisitions/dispositions, net of cash acquired</a></td>
        <td class="num">(130)<span></span></td>
        <td class="num">(170)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInRestrictedCash', window );">Net increase (decrease) in restricted cash</a></td>
        <td class="nump">90<span></span></td>
        <td class="num">(29)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations', window );">Net cash used in investing activities</a></td>
        <td class="num">(2,980)<span></span></td>
        <td class="num">(1,467)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>Cash Flows from Financing Activities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDeposits', window );">Net increase in customer deposits</a></td>
        <td class="nump">917<span></span></td>
        <td class="nump">2,303<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromRepaymentsOfShortTermDebt', window );">Net (decrease) in short-term borrowings</a></td>
        <td class="num">(1,595)<span></span></td>
        <td class="nump">51<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfLongTermDebt', window );">Issuance of long-term debt</a></td>
        <td class="nump">11,329<span></span></td>
        <td class="nump">7,887<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfLongTermDebt', window );">Principal payments on long-term debt</a></td>
        <td class="num">(10,659)<span></span></td>
        <td class="num">(13,492)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfCommonStock', window );">Issuance of American Express common shares</a></td>
        <td class="nump">251<span></span></td>
        <td class="nump">552<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Repurchase of American Express common shares</a></td>
        <td class="num">(3,205)<span></span></td>
        <td class="num">(3,200)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividends', window );">Dividends paid</a></td>
        <td class="num">(770)<span></span></td>
        <td class="num">(693)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations', window );">Net cash used in financing activities</a></td>
        <td class="num">(3,732)<span></span></td>
        <td class="num">(6,592)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents', window );">Effect of exchange rate changes on cash and cash equivalents</a></td>
        <td class="num">(96)<span></span></td>
        <td class="num">(108)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">Net increase (decrease) in cash and cash equivalents</a></td>
        <td class="nump">1,778<span></span></td>
        <td class="nump">36<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsAndFederalFundsSold', window );">Cash and cash equivalents at beginning of period</a></td>
        <td class="nump">19,486<span></span></td>
        <td class="nump">22,250<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsAndFederalFundsSold', window );">Cash and cash equivalents at end of period</a></td>
        <td class="nump">$ 21,264<span></span></td>
        <td class="nump">$ 22,286<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_DeferredTaxesAndOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Includes the change in deferred tax assets and liabilities pertaining to continuing operations, mark to market adjustments on the Company's long-term debt due to fair value hedges, amortization of premium/discount on the available for sale securities; and other.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_DeferredTaxesAndOther</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_IncreaseDecreaseInTravelersChequesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in unencashed travelers cheques outstanding.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_IncreaseDecreaseInTravelersChequesOutstanding</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of increase (decrease) in cash and cash equivalents. Cash and cash equivalents are the amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Includes effect from exchange rate changes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 830<br><br> -SubTopic 230<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450594&amp;loc=d3e33268-110906<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashCashEquivalentsAndFederalFundsSold">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of cash and cash equivalents plus Federal Funds Sold. Cash and cash equivalents consist of short term, highly liquid investments that are readily convertible to known amounts of cash and are so near their maturity that they present negligible risk of changes in value due to changes in interest rates -- usually with an original maturity less than 90 days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.1,2,3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashCashEquivalentsAndFederalFundsSold</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepreciationAmortizationAndAccretionNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate net amount of depreciation, amortization, and accretion recognized during an accounting period. As a noncash item, the net amount is added back to net income when calculating cash provided by or used in operations using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepreciationAmortizationAndAccretionNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of increase (decrease) from the effect of exchange rate changes on cash and cash equivalent balances held in foreign currencies.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 830<br><br> -SubTopic 230<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450594&amp;loc=d3e33268-110906<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in the aggregate amount of obligations incurred but not paid and other operating obligations not separately disclosed in the statement of cash flows.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow for the increase (decrease) in the beginning and end of period deposits balances.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 230<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6477933&amp;loc=d3e60009-112784<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3095-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInOperatingCapitalAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in other assets used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current assets, other noncurrent assets, or a combination of other current and noncurrent assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInOtherOperatingAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOtherReceivables">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in other amounts due to the reporting entity, which are not otherwise defined in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInOtherReceivables</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInRestrictedCash">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow for the increase (decrease) associated with funds that are not available for withdrawal or use (such as funds held in escrow) and are associated with underlying transactions that are classified as investing activities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInRestrictedCash</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash inflow (outflow) of financing activities, excluding discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash inflow (outflow) of investing activities, excluding discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash inflow (outflow) from operating activities, excluding discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3536-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e565-108580<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForProceedsFromBusinessesAndInterestInAffiliates">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash outflow or inflow associated with the acquisition or sale of a business segment during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForProceedsFromBusinessesAndInterestInAffiliates</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForProceedsFromLoansAndLeases">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash outflow or inflow for the increase (decrease) in the beginning and end of period of loan and lease balances which are not originated or purchased specifically for resale. Includes cash payments and proceeds associated with (a) loans held-for-investment, (b) leases held-for-investment, and (c) both.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForProceedsFromLoansAndLeases</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForRepurchaseOfCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow to reacquire common stock during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForRepurchaseOfCommonStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividends">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Cash outflow in the form of capital distributions and dividends to common shareholders, preferred shareholders and noncontrolling interests.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsOfDividends</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow associated with the purchase of all investments (debt, security, other) during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquireInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow associated with the acquisition of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale; includes cash outflows to pay for construction of self-constructed assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquirePropertyPlantAndEquipment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromIssuanceOfCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow from the additional capital contribution to the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3255-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromIssuanceOfCommonStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromIssuanceOfLongTermDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow from a debt initially having maturity due after one year or beyond the operating cycle, if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3255-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromIssuanceOfLongTermDebt</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with maturities (principal being due), prepayments and calls (requests of early payments) on securities not classified as either held-to-maturity securities or trading securities which are classified as available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromRepaymentsOfShortTermDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow for borrowing having initial term of repayment within one year or the normal operating cycle, if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 9<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3098-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromRepaymentsOfShortTermDebt</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the sale of debt and equity securities classified as available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 11<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953423-111524<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProvisionForLoanLeaseAndOtherLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RepaymentsOfLongTermDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow for debt initially having maturity due after one year or beyond the normal operating cycle, if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RepaymentsOfLongTermDebt</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of noncash, equity-based employee remuneration. This may include the value of stock or unit options, amortization of restricted stock or units, and adjustment for officers' compensation. As noncash, this element is an add back when calculating net cash generated by operating activities using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensation</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>50
<FILENAME>R32.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EKH">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Derivatives and Hedging Activities (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DerivativesAndHedgingActivitiesTablesAbstract', window );"><strong>Derivatives and Hedging Activities (Tables) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock', window );">Schedule of derivative instruments in statement of financial position, fair value</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following t</font><font style='font-family:Times New Roman;font-size:11pt;' >able summarizes the total </font><font style='font-family:Times New Roman;font-size:11pt;' >fair val</font><font style='font-family:Times New Roman;font-size:11pt;' >ue, excluding interest acc</font><font style='font-family:Times New Roman;font-size:11pt;' >ruals, of derivative assets and l</font><font style='font-family:Times New Roman;font-size:11pt;' >iabilities as of </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:270.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:270.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='5' rowspan='1' style='width:90.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:90.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Other Assets</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:90.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:90.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Other Liabilities</font></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:270.75pt;text-align:left;border-color:Black;min-width:270.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='5' rowspan='1' style='width:90.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:90.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Fair Value</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:90.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:90.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Fair Value</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:279pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:279pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2013</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:279pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:279pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Derivatives designated as hedging instruments:</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:279pt;text-align:left;border-color:Black;min-width:279pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Interest rate contracts</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:270.75pt;text-align:left;border-color:Black;min-width:270.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Fair value hedges</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 309 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 455 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 27 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 2 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:279pt;text-align:left;border-color:Black;min-width:279pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total return contract</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:270.75pt;text-align:left;border-color:Black;min-width:270.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Fair value hedge</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 8 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:279pt;text-align:left;border-color:Black;min-width:279pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Foreign exchange contracts</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:270.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:270.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Net investment hedges</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 384 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 174 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 57 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >116 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:279pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:279pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total derivatives designated as hedging instruments</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 693 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 637 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 84 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 118 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:279pt;text-align:left;border-color:Black;min-width:279pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Derivatives not designated as hedging instruments:</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:270.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:270.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Foreign exchange contracts, including certain embedded derivatives</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 129 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 64 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 162 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >95 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:279pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:279pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total derivatives, gross</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 822 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 701 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 246 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 213 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:279pt;text-align:left;border-color:Black;min-width:279pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Less: Cash collateral netting</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(b) </font></sup></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > (125)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > (336)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > (27)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:279pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:279pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >          Derivative asset and derivative liability netting</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(c) </font></sup></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > (126)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > (36)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > (126)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > (36)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:279pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:279pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total derivatives, net</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(d)</font></sup></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 571 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 329 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 93 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 177 </font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Includes foreign currency derivatives embedded in certain operating agreements.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents the offsetting of derivative instruments and the right to reclaim cash collateral (a receivable) or the obligation to return cash collateral (a payable) arising </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >from derivative instrument(s) executed with the same counterparty under an enforceable master netting arrangement.</font><font style='font-family:Times New Roman;font-size:8pt;' > Additionally, the Company received noncash collateral from a counterparty in the form of security interest in U.S. Treasury securities with a</font><font style='font-family:Times New Roman;font-size:8pt;' > fair value of $111 million and nil as of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, respectively</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, none of which was sold or </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >repledged</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >. Such noncash collateral economically reduces the Company&#8217;s risk exposure to $460 million as of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, but d</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >oes not reduce the net exposure on the Company&#8217;s Consolidated Balance Sheets. Additionally, the Company posted </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >97</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >26</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million as of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, respectively</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, as initial margin on its cent</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >rally cleared interest rate swaps; such amounts are recorded within other receivables on the Company&#8217;s Consolidated Balance Sheets and are not netted against the derivative balances.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents the amount of netting of derivative assets and derivative liab</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ilities executed with the same counterparty under an enforceable master netting arrangement.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >The Company has no individually significant derivative counterparties and therefore, no significant risk exposure to any single derivative counterparty. The total </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >net derivative assets and derivative liabilities are presented within </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >O</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ther assets and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >O</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ther liabilities on the Company&#8217;s Consolidated Balance Sheets.</font></li></ul><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' ></p></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_EffectOfFairValueHedgesOnResultsOfOperationsTextBlock', window );">Effect of fair value hedges on results of operations</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >The following table summarizes the impact on the Consolidated Statements of Income associated with the Company&#8217;s hedges of </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >its </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >fixed-rate long-term debt</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > and its investment in ICBC for the </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >three and nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >:</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:168.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:168.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >For the Three Months Ended September 30:</font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:72pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='21' rowspan='1' style='width:397.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:397.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Gains (losses) recognized in income</font></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;text-align:left;border-color:Black;min-width:72pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='7' rowspan='1' style='width:160.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:160.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Derivative contract</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6pt;' ></td><td colspan='7' rowspan='1' style='width:160.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:160.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Hedged item</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:64.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net hedge</font></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;text-align:left;border-color:Black;min-width:72pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Amount</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Amount</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:64.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;ineffectiveness</font></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Derivative relationship</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Income Statement Line Item</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Income Statement Line Item</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Interest rate contracts</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other expenses&#160;&#160;</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(109)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(11)</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other expenses&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >112</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >5</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >3</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(6)</font></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total return contract</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:90pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other non-interest revenues</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(21)</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:90pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other non-interest revenues</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >21 </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:168.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:168.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >For the Nine Months Ended September 30:</font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:72pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='21' rowspan='1' style='width:397.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:397.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Gains (losses) recognized in income</font></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;text-align:left;border-color:Black;min-width:72pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='7' rowspan='1' style='width:160.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:160.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Derivative contract</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6pt;' ></td><td colspan='7' rowspan='1' style='width:160.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:160.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Hedged item</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:64.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net hedge</font></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;text-align:left;border-color:Black;min-width:72pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Amount</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Amount</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:64.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;ineffectiveness</font></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Derivative relationship</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Income Statement Line Item</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Income Statement Line Item</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Interest rate contracts</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other expenses&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(170)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(305)</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other expenses&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >176</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >295</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >6</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(10)</font></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total return contract</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:90pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other non-interest revenues</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >11</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(10)</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:90pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other non-interest revenues</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(11)</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >10 </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td></tr></table></div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DerivativeInstrumentsGainLossRecognizedInIncomeTextBlock', window );">Derivative instruments gain loss recognized in income</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >The following table summarizes the impact </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >on pretax earnings </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >of derivatives not designated as hedges</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, as </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >reported</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > on the Consolidated Statements of Income</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > for the </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >three and nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:119.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:119.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:115.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:115.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='11' rowspan='1' style='width:226.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Pretax gains</font></td></tr><tr style='height:12pt;' ><td style='width:119.25pt;text-align:left;border-color:Black;min-width:119.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:115.5pt;text-align:center;border-color:Black;min-width:115.5pt;' ></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:109.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:109.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >For the Three Months Ended</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:109.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:109.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >For the Nine Months Ended</font></td></tr><tr style='height:12pt;' ><td style='width:119.25pt;text-align:left;border-color:Black;min-width:119.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:115.5pt;text-align:center;border-color:Black;min-width:115.5pt;' ></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:109.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:109.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >September 30,</font></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:109.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:109.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >September 30,</font></td></tr><tr style='height:12pt;' ><td style='width:119.25pt;text-align:left;border-color:Black;min-width:119.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:115.5pt;text-align:left;border-color:Black;min-width:115.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:109.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:109.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Amount</font></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:109.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:109.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Amount</font></td></tr><tr style='height:12pt;' ><td style='width:119.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:119.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Description </font><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:115.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:115.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Income Statement Line Item</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2013</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2013</font></td></tr><tr style='height:12pt;' ><td style='width:119.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:119.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Interest rate contracts</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:115.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:115.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Other expenses</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >1</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >1</font></td></tr><tr style='height:12pt;' ><td style='width:119.25pt;text-align:left;border-color:Black;min-width:119.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Foreign exchange contracts</font><font style='font-family:Times New Roman;font-size:4pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:115.5pt;text-align:left;border-color:Black;min-width:115.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Other expenses</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 25 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >84</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 108 </font></td></tr><tr style='height:12pt;' ><td style='width:119.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:119.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:115.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:115.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Cost of Card Member services </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >4</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td></tr><tr style='height:10.5pt;' ><td style='width:119.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:119.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:115.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:115.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >26</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >88</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >109</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;line-height:12pt;' ></p><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Foreign exchange contracts include forwards and embedded foreign currency derivatives</font><font style='font-family:Times New Roman;font-size:8pt;' >. </font></li></ul></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_DerivativeInstrumentsGainLossRecognizedInIncomeTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents table summarizing the impact of derivatives not designated as hedges on the Consolidated Statements of Income for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_DerivativeInstrumentsGainLossRecognizedInIncomeTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_DerivativesAndHedgingActivitiesTablesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_DerivativesAndHedgingActivitiesTablesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_EffectOfFairValueHedgesOnResultsOfOperationsTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents table summarizing the impact of fair value hedges on the Consolidated Statements of Income for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_EffectOfFairValueHedgesOnResultsOfOperationsTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the location and fair value amounts of derivative instruments (and nonderivative instruments that are designated and qualify as hedging instruments) reported in the statement of financial position.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624163-113959<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>51
<FILENAME>R40.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EPRAI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Accounts Receivable and Loans (Details) (USD $)<br></strong></div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AccountsReceivableSegmentAbstract', window );"><strong>Accounts receivable segment information</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Card Member receivables</a></td>
        <td class="nump">$ 45,117,000,000<span></span></td>
        <td class="nump">$ 44,163,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForDoubtfulAccountsReceivable', window );">Less: Reserve for losses</a></td>
        <td class="nump">432,000,000<span></span></td>
        <td class="nump">386,000,000<span></span></td>
        <td class="nump">396,000,000<span></span></td>
        <td class="nump">428,000,000<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableNet', window );">Card Member receivables, net</a></td>
        <td class="nump">44,685,000,000<span></span></td>
        <td class="nump">43,777,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherReceivables', window );">Other receivables, net</a></td>
        <td class="nump">2,631,000,000<span></span></td>
        <td class="nump">3,408,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AccountsReceivableAndLoansTextualsAbstract', window );"><strong>Accounts Receivable and Loans Textuals [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherReceivablesReserves', window );">Other receivables, reserves</a></td>
        <td class="nump">44,000,000<span></span></td>
        <td class="nump">71,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Variable Interest Enterprise [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AccountsReceivableSegmentAbstract', window );"><strong>Accounts receivable segment information</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Card Member receivables</a></td>
        <td class="nump">6,253,000,000<span></span></td>
        <td class="nump">7,329,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Non United States [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AccountsReceivableSegmentAbstract', window );"><strong>Accounts receivable segment information</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Card Member receivables</a></td>
        <td class="nump">13,500,000,000<span></span></td>
        <td class="nump">13,800,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U S Card Services [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AccountsReceivableSegmentAbstract', window );"><strong>Accounts receivable segment information</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Card Member receivables</a></td>
        <td class="nump">21,253,000,000<span></span></td>
        <td class="nump">21,842,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U S Card Services [Member] | Variable Interest Enterprise [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AccountsReceivableAndLoansTextualsAbstract', window );"><strong>Accounts Receivable and Loans Textuals [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_GrossReceivablesAvailableToSettleObligationsOfConsolidatedVariableInterestEntity', window );">Gross Card Member receivables available to settle the obligations of a variable interest entity</a></td>
        <td class="nump">6,300,000,000<span></span></td>
        <td class="nump">7,300,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">International Card Services [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AccountsReceivableSegmentAbstract', window );"><strong>Accounts receivable segment information</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Card Member receivables</a></td>
        <td class="nump">7,273,000,000<span></span></td>
        <td class="nump">7,771,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Global Commercial Services [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AccountsReceivableSegmentAbstract', window );"><strong>Accounts receivable segment information</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Card Member receivables</a></td>
        <td class="nump">16,440,000,000<span></span></td>
        <td class="nump">14,391,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Global Commercial Services [Member] | Airline [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AccountsReceivableSegmentAbstract', window );"><strong>Accounts receivable segment information</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Card Member receivables</a></td>
        <td class="nump">672,000,000<span></span></td>
        <td class="nump">836,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Global Commercial Services [Member] | Airline [Member] | Delta [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AccountsReceivableSegmentAbstract', window );"><strong>Accounts receivable segment information</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Card Member receivables</a></td>
        <td class="nump">642,000,000<span></span></td>
        <td class="nump">628,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Global Network And Merchant Services [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AccountsReceivableSegmentAbstract', window );"><strong>Accounts receivable segment information</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Card Member receivables</a></td>
        <td class="nump">$ 151,000,000<span></span></td>
        <td class="nump">$ 159,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_AccountsReceivableAndLoansTextualsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_AccountsReceivableAndLoansTextualsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_AccountsReceivableSegmentAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_AccountsReceivableSegmentAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_GrossReceivablesAvailableToSettleObligationsOfConsolidatedVariableInterestEntity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the amount of gross receivables available to settle the obligations of a consolidated variable interest entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_GrossReceivablesAvailableToSettleObligationsOfConsolidatedVariableInterestEntity</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_OtherReceivablesReserves">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reserves for losses relating to other receivables represent management's best estimate of the losses inherent in the Company's outstanding portfolio of other receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_OtherReceivablesReserves</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsReceivableNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, the amount due from customers or clients for goods or services that have been delivered or sold in the normal course of business, reduced to their estimated net realizable fair value by an allowance established by the entity of the amount it deems uncertain of collection.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.9)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsReceivableNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForDoubtfulAccountsReceivable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, a valuation allowance for receivables due a company that are expected to be uncollectible.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 4<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5074-111524<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllowanceForDoubtfulAccountsReceivable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NotesReceivableGross">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount representing an agreement for an unconditional promise by the maker to pay the entity (holder) a definite sum of money at a future date. Such amount may include accrued interest receivable in accordance with the terms of the note. The note also may contain provisions and related items including a discount or premium, payable on demand, secured, or unsecured, interest bearing or noninterest bearing, among a myriad of other features and characteristics. Excludes amounts related to receivables held-for-sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.10(3))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 10<br><br> -Subparagraph 3<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NotesReceivableGross</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherReceivables">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amounts due as of the balance sheet date from parties or arising from transactions not otherwise specified in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.8)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 8<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherReceivables</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>52
<FILENAME>R53.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E4KAI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Investment Securities (Details) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract', window );"><strong>Schedule of Available for Sale Securities by Type</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Cost</a></td>
        <td class="nump">$ 4,602<span></span></td>
        <td class="nump">$ 4,935<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains', window );">Gross Unrealized Gains</a></td>
        <td class="nump">153<span></span></td>
        <td class="nump">165<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss', window );">Gross Unrealized Losses</a></td>
        <td class="num">(5)<span></span></td>
        <td class="num">(84)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Estimated Fair Value</a></td>
        <td class="nump">4,750<span></span></td>
        <td class="nump">5,016<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U.S. States and Political Subdivisions Debt Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract', window );"><strong>Schedule of Available for Sale Securities by Type</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Cost</a></td>
        <td class="nump">3,628<span></span></td>
        <td class="nump">4,060<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains', window );">Gross Unrealized Gains</a></td>
        <td class="nump">130<span></span></td>
        <td class="nump">54<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss', window );">Gross Unrealized Losses</a></td>
        <td class="num">(3)<span></span></td>
        <td class="num">(79)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Estimated Fair Value</a></td>
        <td class="nump">3,755<span></span></td>
        <td class="nump">4,035<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U.S. Government agency obligations [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract', window );"><strong>Schedule of Available for Sale Securities by Type</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Cost</a></td>
        <td class="nump">3<span></span></td>
        <td class="nump">3<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains', window );">Gross Unrealized Gains</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss', window );">Gross Unrealized Losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Estimated Fair Value</a></td>
        <td class="nump">3<span></span></td>
        <td class="nump">3<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U.S. Government treasury obligations [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract', window );"><strong>Schedule of Available for Sale Securities by Type</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Cost</a></td>
        <td class="nump">346<span></span></td>
        <td class="nump">318<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains', window );">Gross Unrealized Gains</a></td>
        <td class="nump">4<span></span></td>
        <td class="nump">3<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss', window );">Gross Unrealized Losses</a></td>
        <td class="num">(1)<span></span></td>
        <td class="num">(1)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Estimated Fair Value</a></td>
        <td class="nump">349<span></span></td>
        <td class="nump">320<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate debt securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract', window );"><strong>Schedule of Available for Sale Securities by Type</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Cost</a></td>
        <td class="nump">39<span></span></td>
        <td class="nump">43<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains', window );">Gross Unrealized Gains</a></td>
        <td class="nump">3<span></span></td>
        <td class="nump">3<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss', window );">Gross Unrealized Losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Estimated Fair Value</a></td>
        <td class="nump">42<span></span></td>
        <td class="nump">46<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Mortgage-backed securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract', window );"><strong>Schedule of Available for Sale Securities by Type</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Cost</a></td>
        <td class="nump">137<span></span></td>
        <td class="nump">160<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains', window );">Gross Unrealized Gains</a></td>
        <td class="nump">7<span></span></td>
        <td class="nump">5<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss', window );">Gross Unrealized Losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="num">(1)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Estimated Fair Value</a></td>
        <td class="nump">144<span></span></td>
        <td class="nump">164<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Equity securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract', window );"><strong>Schedule of Available for Sale Securities by Type</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Cost</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">29<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains', window );">Gross Unrealized Gains</a></td>
        <td class="nump">1<span></span></td>
        <td class="nump">95<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss', window );">Gross Unrealized Losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Estimated Fair Value</a></td>
        <td class="nump">1<span></span></td>
        <td class="nump">124<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Foreign government bonds and obligations [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract', window );"><strong>Schedule of Available for Sale Securities by Type</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Cost</a></td>
        <td class="nump">399<span></span></td>
        <td class="nump">272<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains', window );">Gross Unrealized Gains</a></td>
        <td class="nump">8<span></span></td>
        <td class="nump">5<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss', window );">Gross Unrealized Losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="num">(1)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Estimated Fair Value</a></td>
        <td class="nump">407<span></span></td>
        <td class="nump">276<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Availabe For Sale Securities Other [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract', window );"><strong>Schedule of Available for Sale Securities by Type</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Cost</a></td>
        <td class="nump">50<span></span></td>
        <td class="nump">50<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains', window );">Gross Unrealized Gains</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss', window );">Gross Unrealized Losses</a></td>
        <td class="num">(1)<span></span></td>
        <td class="num">(2)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Estimated Fair Value</a></td>
        <td class="nump">$ 49<span></span></td>
        <td class="nump">$ 48<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (aa)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the cost of debt and equity securities, which are categorized neither as held-to-maturity nor trading, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments recognized, as defined), and fair value hedge accounting adjustments, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesAmortizedCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesBalanceSheetReportedAmountsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of unrealized gain before deducting unrealized loss on investments in debt and equity securities classified as available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesGrossUnrealizedGains</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of unrealized loss before deducting unrealized gain on investments in available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>53
<FILENAME>R72.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ETHAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Guarantees (Details) (USD $)<br></strong></div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_TypeOfGuaranteeAbstract', window );"><strong>Type of Guarantee</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GuaranteeObligationsMaximumExposure', window );">Maximum potential amount of undiscounted future payments</a></td>
        <td class="nump">$ 45,000,000,000<span></span></td>
        <td class="nump">$ 45,000,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GuaranteeObligationsCurrentCarryingValue', window );">Amount of related liability</a></td>
        <td class="nump">114,000,000<span></span></td>
        <td class="nump">161,000,000<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Card and Travel Operations [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_TypeOfGuaranteeAbstract', window );"><strong>Type of Guarantee</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GuaranteeObligationsMaximumExposure', window );">Maximum potential amount of undiscounted future payments</a></td>
        <td class="nump">44,000,000,000<span></span></td>
        <td class="nump">44,000,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GuaranteeObligationsCurrentCarryingValue', window );">Amount of related liability</a></td>
        <td class="nump">43,000,000<span></span></td>
        <td class="nump">88,000,000<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Guarantees [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_TypeOfGuaranteeAbstract', window );"><strong>Type of Guarantee</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GuaranteeObligationsMaximumExposure', window );">Maximum potential amount of undiscounted future payments</a></td>
        <td class="nump">1,000,000,000<span></span></td>
        <td class="nump">1,000,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GuaranteeObligationsCurrentCarryingValue', window );">Amount of related liability</a></td>
        <td class="nump">$ 71,000,000<span></span></td>
        <td class="nump">$ 73,000,000<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_TypeOfGuaranteeAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_TypeOfGuaranteeAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GuaranteeObligationsCurrentCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The current carrying amount of the liability for the freestanding or embedded guarantor's obligations under the guarantee or each group of similar guarantees.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 460<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6851643&amp;loc=d3e12069-110248<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GuaranteeObligationsCurrentCarryingValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GuaranteeObligationsMaximumExposure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Maximum potential amount of future payments (undiscounted) the guarantor could be required to make under the guarantee or each group of similar guarantees before reduction for potential recoveries under recourse or collateralization provisions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 460<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -Subparagraph (b)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6851643&amp;loc=d3e12069-110248<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GuaranteeObligationsMaximumExposure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>54
<FILENAME>R2.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ERLAI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Consolidated Statements of Income (USD $)<br>In Millions, except Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeAbstract', window );"><strong>Non-interest revenues</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DiscountRevenue', window );">Discount revenue</a></td>
        <td class="nump">$ 4,915<span></span></td>
        <td class="nump">$ 4,659<span></span></td>
        <td class="nump">$ 14,506<span></span></td>
        <td class="nump">$ 13,826<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FeesAndCommissionsCreditCards', window );">Net card fees</a></td>
        <td class="nump">680<span></span></td>
        <td class="nump">658<span></span></td>
        <td class="nump">2,041<span></span></td>
        <td class="nump">1,958<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_TravelCommissionsAndFees', window );">Travel commissions and fees</a></td>
        <td class="nump">104<span></span></td>
        <td class="nump">490<span></span></td>
        <td class="nump">1,027<span></span></td>
        <td class="nump">1,422<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FeesAndCommissionsOther', window );">Other commissions and fees</a></td>
        <td class="nump">642<span></span></td>
        <td class="nump">610<span></span></td>
        <td class="nump">1,884<span></span></td>
        <td class="nump">1,788<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeOtherOperatingIncome', window );">Other</a></td>
        <td class="nump">593<span></span></td>
        <td class="nump">601<span></span></td>
        <td class="nump">1,679<span></span></td>
        <td class="nump">1,705<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Total non-interest revenues</a></td>
        <td class="nump">6,934<span></span></td>
        <td class="nump">7,018<span></span></td>
        <td class="nump">21,137<span></span></td>
        <td class="nump">20,699<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperatingAbstract', window );"><strong>Interest income</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndFeeIncomeLoansAndLeases', window );">Interest on loans</a></td>
        <td class="nump">1,753<span></span></td>
        <td class="nump">1,698<span></span></td>
        <td class="nump">5,160<span></span></td>
        <td class="nump">5,003<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeSecurities', window );">Interest and dividends on investment securities</a></td>
        <td class="nump">45<span></span></td>
        <td class="nump">48<span></span></td>
        <td class="nump">136<span></span></td>
        <td class="nump">153<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeDepositsWithFinancialInstitutions', window );">Deposits with banks and other</a></td>
        <td class="nump">17<span></span></td>
        <td class="nump">21<span></span></td>
        <td class="nump">54<span></span></td>
        <td class="nump">67<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Total interest income</a></td>
        <td class="nump">1,815<span></span></td>
        <td class="nump">1,767<span></span></td>
        <td class="nump">5,350<span></span></td>
        <td class="nump">5,223<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseAbstract', window );"><strong>Interest expense</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseDeposits', window );">Deposits</a></td>
        <td class="nump">91<span></span></td>
        <td class="nump">111<span></span></td>
        <td class="nump">276<span></span></td>
        <td class="nump">332<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseLongTermDebt', window );">Long-term debt and other</a></td>
        <td class="nump">329<span></span></td>
        <td class="nump">373<span></span></td>
        <td class="nump">1,026<span></span></td>
        <td class="nump">1,163<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Total interest expense</a></td>
        <td class="nump">420<span></span></td>
        <td class="nump">484<span></span></td>
        <td class="nump">1,302<span></span></td>
        <td class="nump">1,495<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
        <td class="nump">1,395<span></span></td>
        <td class="nump">1,283<span></span></td>
        <td class="nump">4,048<span></span></td>
        <td class="nump">3,728<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_TotalRevenuesNetOfInterestExpense', window );">Total revenues net of interest expense</a></td>
        <td class="nump">8,329<span></span></td>
        <td class="nump">8,301<span></span></td>
        <td class="nump">25,185<span></span></td>
        <td class="nump">24,427<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLossesAbstract', window );"><strong>Provisions for losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForDoubtfulAccounts', window );">Charge card</a></td>
        <td class="nump">196<span></span></td>
        <td class="nump">159<span></span></td>
        <td class="nump">594<span></span></td>
        <td class="nump">474<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Card Member loans</a></td>
        <td class="nump">265<span></span></td>
        <td class="nump">248<span></span></td>
        <td class="nump">797<span></span></td>
        <td class="nump">825<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForOtherLosses', window );">Other</a></td>
        <td class="nump">27<span></span></td>
        <td class="nump">12<span></span></td>
        <td class="nump">71<span></span></td>
        <td class="nump">54<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Total provisions for losses</a></td>
        <td class="nump">488<span></span></td>
        <td class="nump">419<span></span></td>
        <td class="nump">1,462<span></span></td>
        <td class="nump">1,353<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses', window );">Total revenues net of interest expense after provisions for losses</a></td>
        <td class="nump">7,841<span></span></td>
        <td class="nump">7,882<span></span></td>
        <td class="nump">23,723<span></span></td>
        <td class="nump">23,074<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpenseAbstract', window );"><strong>Expenses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_MarketingPromotionRewardsAndCardmemberServices', window );">Marketing, promotion, rewards and Card Member services</a></td>
        <td class="nump">2,709<span></span></td>
        <td class="nump">2,643<span></span></td>
        <td class="nump">8,076<span></span></td>
        <td class="nump">7,553<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LaborAndRelatedExpense', window );">Salaries and employee benefits</a></td>
        <td class="nump">1,290<span></span></td>
        <td class="nump">1,544<span></span></td>
        <td class="nump">4,488<span></span></td>
        <td class="nump">4,702<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherNoninterestExpense', window );">Other, net</a></td>
        <td class="nump">1,596<span></span></td>
        <td class="nump">1,691<span></span></td>
        <td class="nump">4,393<span></span></td>
        <td class="nump">4,911<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Total expenses</a></td>
        <td class="nump">5,595<span></span></td>
        <td class="nump">5,878<span></span></td>
        <td class="nump">16,957<span></span></td>
        <td class="nump">17,166<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">Pretax income</a></td>
        <td class="nump">2,246<span></span></td>
        <td class="nump">2,004<span></span></td>
        <td class="nump">6,766<span></span></td>
        <td class="nump">5,908<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax provision</a></td>
        <td class="nump">769<span></span></td>
        <td class="nump">638<span></span></td>
        <td class="nump">2,328<span></span></td>
        <td class="nump">1,857<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">$ 1,477<span></span></td>
        <td class="nump">$ 1,366<span></span></td>
        <td class="nump">$ 4,438<span></span></td>
        <td class="nump">$ 4,051<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasicAbstract', window );"><strong>Earnings Per Common Share, Basic [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare', window );">Income from continuing operations attributable to common shareholders</a></td>
        <td class="nump">$ 1.41<span></span></td>
        <td class="nump">$ 1.26<span></span></td>
        <td class="nump">$ 4.19<span></span></td>
        <td class="nump">$ 3.69<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDilutedAbstract', window );"><strong>Earnings Per Common Share, Diluted [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare', window );">Income from continuing operations attributable to common shareholders</a></td>
        <td class="nump">$ 1.4<span></span></td>
        <td class="nump">$ 1.25<span></span></td>
        <td class="nump">$ 4.17<span></span></td>
        <td class="nump">$ 3.67<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract', window );"><strong>Average common shares outstanding for earnings per common share:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Basic</a></td>
        <td class="nump">1,041,000,000<span></span></td>
        <td class="nump">1,074,000,000<span></span></td>
        <td class="nump">1,051,000,000<span></span></td>
        <td class="nump">1,087,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Diluted</a></td>
        <td class="nump">1,047,000,000<span></span></td>
        <td class="nump">1,081,000,000<span></span></td>
        <td class="nump">1,057,000,000<span></span></td>
        <td class="nump">1,094,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareDeclared', window );">Cash dividends declared per common share</a></td>
        <td class="nump">$ 0.26<span></span></td>
        <td class="nump">$ 0.23<span></span></td>
        <td class="nump">$ 0.75<span></span></td>
        <td class="nump">$ 0.66<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_DiscountRevenue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents revenue earned from fees charged to merchants with whom the Company has entered into a card acceptance agreement for processing cardmember transactions. The discount fee generally is deducted from the Company's payment reimbursing the merchant for cardmember purchases. Such amounts are reduced by contra-revenue such as payments to third-party card issuing partners, cash-back reward costs, and corporate incentive payments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_DiscountRevenue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_MarketingPromotionRewardsAndCardmemberServices">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Marketing and promotion expense includes advertising costs. Cardmember rewards expense includes the costs of rewards programs (including Membership Rewards). Cardmember services expense includes protection plans and complimentary services provided to cardmembers.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_MarketingPromotionRewardsAndCardmemberServices</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_TotalRevenuesNetOfInterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Revenues from discount revenue, net card fees, travel commissions and fees, other commissions and fees, securitization income, net, other related income, and net interest income during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_TotalRevenuesNetOfInterestExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Revenues from discount revenue, net card fees, travel commissions and fees, other commissions and fees, securitization, other related income, and net interest income offset by provisions for losses during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_TotalRevenuesNetOfInterestExpenseAfterProvisionsForLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_TravelCommissionsAndFees">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Commissions and fees earned by charging clients transaction or management fees for selling and arranging travel and travel management services. Client transaction fee revenue is recognized at the time the client books the travel arrangements. Travel management services revenue is recognized over the contractual term of the agreement. The Company's travel suppliers (for example, airlines, hotels, car rental companies) pay commissions and fees on tickets issued, sales and other services based on contractual agreements. Commissions and fees from travel suppliers are generally recognized at the time a ticket is purchased or over the term of the contract. Commissions and fees that are based on actual usage that is unknown at time of purchase (for example, hotel and car rentals), are recognized when cash is received.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_TravelCommissionsAndFees</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_WeightedAverageNumberOfSharesOutstandingBasicAndDilutedAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockDividendsPerShareDeclared">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate dividends declared during the period for each share of common stock outstanding.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockDividendsPerShareDeclared</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasicAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareBasicAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDilutedAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareDilutedAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FeesAndCommissionsCreditCards">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Income earned from credit card services including late, over limit, and annual fees. This item excludes interest income earned on credit card balances and transactions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13 (d))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FeesAndCommissionsCreditCards</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FeesAndCommissionsOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fee and commission revenue earned from sources not otherwise specified in the existing taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FeesAndCommissionsOther</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of operating profit and nonoperating income or expense before Income or Loss from equity method investments, income taxes, extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) from continuing operations per each share of common stock or unit outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.23)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 18<br><br> -Article 7<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 20<br><br> -Article 5<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsPerBasicShare</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) derived from continuing operations during the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 18<br><br> -Article 7<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 20<br><br> -Article 5<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperating">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.1-5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 1, 2 , 3, 4, 5<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestAndDividendIncomeOperating</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperatingAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestAndDividendIncomeOperatingAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of operating dividend and interest income, including amortization and accretion of premiums and discounts, on securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 35<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27723805&amp;loc=d3e24721-111560<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 2, 3<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.2,3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestAndDividendIncomeSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndFeeIncomeLoansAndLeases">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 1<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestAndFeeIncomeLoansAndLeases</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of the cost of borrowed funds accounted for as interest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.9)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 9<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate amount of interest expense on all deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 6<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseLongTermDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate amount of interest paid or due on all long-term debt.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 8<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.8)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseLongTermDebt</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeDepositsWithFinancialInstitutions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest income derived from funds deposited with both domestic and foreign financial institutions including funds in money market and other accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 4<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeDepositsWithFinancialInstitutions</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net amount of operating interest income (expense).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.10)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 10<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeExpenseNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LaborAndRelatedExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of expenditures for salaries, wages, profit sharing and incentive compensation, and other employee benefits, including equity-based compensation, and pension and other postretirement benefit expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LaborAndRelatedExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e565-108580<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total aggregate amount of all noninterest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 14<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestExpenseAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestExpenseAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncomeAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestIncomeAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncomeOtherOperatingIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents other forms of revenue earned, excluding interest, which is not otherwise specified in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestIncomeOtherOperatingIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherNoninterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Other noninterest expenses that are not separately presented in any other noninterest expense category.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherNoninterestExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForDoubtfulAccounts">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of expense related to write-down of receivables to the amount expected to be collected. Includes, but is not limited to, accounts receivable and notes receivable.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 5<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProvisionForDoubtfulAccounts</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanAndLeaseLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of expense related to estimated loss from loan and lease transactions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 11<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProvisionForLoanAndLeaseLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 11<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953423-111524<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProvisionForLoanLeaseAndOtherLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLeaseAndOtherLossesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProvisionForLoanLeaseAndOtherLossesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForOtherLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of expense related to other loss.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 5<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 11<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProvisionForOtherLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 16<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1505-109256<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1448-109256<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Weighted-Average Number of Common Shares Outstanding<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6528421<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>55
<FILENAME>R45.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EHIAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Accounts Receivable and Loans (Details 5) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableImpairedLineItems', window );"><strong>Financing Receivable Impaired [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average balance of impaired loans</a></td>
        <td class="nump">$ 782<span></span></td>
        <td class="nump">$ 987<span></span></td>
        <td class="nump">$ 844<span></span></td>
        <td class="nump">$ 1,139<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Interest income recognized</a></td>
        <td class="nump">16<span></span></td>
        <td class="nump">15<span></span></td>
        <td class="nump">49<span></span></td>
        <td class="nump">46<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U S Card Services [Member] | Card Member Loans [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableImpairedLineItems', window );"><strong>Financing Receivable Impaired [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average balance of impaired loans</a></td>
        <td class="nump">675<span></span></td>
        <td class="nump">859<span></span></td>
        <td class="nump">734<span></span></td>
        <td class="nump">982<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Interest income recognized</a></td>
        <td class="nump">12<span></span></td>
        <td class="nump">11<span></span></td>
        <td class="nump">37<span></span></td>
        <td class="nump">34<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U S Card Services [Member] | Card Member Receivables [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableImpairedLineItems', window );"><strong>Financing Receivable Impaired [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average balance of impaired loans</a></td>
        <td class="nump">44<span></span></td>
        <td class="nump">62<span></span></td>
        <td class="nump">47<span></span></td>
        <td class="nump">89<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Interest income recognized</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">International Card Services [Member] | Card Member Loans [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableImpairedLineItems', window );"><strong>Financing Receivable Impaired [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average balance of impaired loans</a></td>
        <td class="nump">63<span></span></td>
        <td class="nump">66<span></span></td>
        <td class="nump">63<span></span></td>
        <td class="nump">68<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Interest income recognized</a></td>
        <td class="nump">$ 4<span></span></td>
        <td class="nump">$ 4<span></span></td>
        <td class="nump">$ 12<span></span></td>
        <td class="nump">$ 12<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableImpairedLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableImpairedLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Average amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5212-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 17<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5258-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest income recognized that the financing receivables (with related allowance for credit losses and without a related allowance for credit losses) were impaired.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5212-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>56
<FILENAME>R6.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EKQAG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Consolidated Balance Sheets (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract', window );"><strong>Cash and cash equivalents</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash and cash due from banks</a></td>
        <td class="nump">$ 2,300<span></span></td>
        <td class="nump">$ 2,212<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDepositsInBanks', window );">Interest-bearing deposits in other banks (including securities purchased under resale agreements)</a></td>
        <td class="nump">18,772<span></span></td>
        <td class="nump">16,776<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashEquivalentsAtCarryingValue', window );">Short-term investment securities</a></td>
        <td class="nump">192<span></span></td>
        <td class="nump">498<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsAndFederalFundsSold', window );">Total cash and cash equivalents</a></td>
        <td class="nump">21,264<span></span></td>
        <td class="nump">19,486<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableNetAbstract', window );"><strong>Accounts receivable</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableNet', window );">Card Member receivables (includes gross receivables available to settle obligations of a consolidated variable interest entity), less reserves</a></td>
        <td class="nump">44,685<span></span></td>
        <td class="nump">43,777<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherReceivables', window );">Other receivables, less reserves</a></td>
        <td class="nump">2,631<span></span></td>
        <td class="nump">3,408<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract', window );"><strong>Loans</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Card Member loans, (includes gross loans available to settle obligations of a consolidated variable interest entity), less reserves</a></td>
        <td class="nump">64,911<span></span></td>
        <td class="nump">65,977<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountOther', window );">Other loans, less reserves</a></td>
        <td class="nump">855<span></span></td>
        <td class="nump">608<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Investment securities</a></td>
        <td class="nump">4,750<span></span></td>
        <td class="nump">5,016<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Premises and equipment, less accumulated depreciation and amortization</a></td>
        <td class="nump">3,921<span></span></td>
        <td class="nump">3,875<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets (includes restricted cash of consolidated variable interest entities)</a></td>
        <td class="nump">10,845<span></span></td>
        <td class="nump">11,228<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="nump">153,862<span></span></td>
        <td class="nump">153,375<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Customer deposits</a></td>
        <td class="nump">42,703<span></span></td>
        <td class="nump">41,763<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_TravelersChequesOutstanding', window );">Travelers Cheques and other prepaid products</a></td>
        <td class="nump">3,539<span></span></td>
        <td class="nump">4,240<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsPayableCurrentAndNoncurrent', window );">Accounts payable</a></td>
        <td class="nump">11,510<span></span></td>
        <td class="nump">10,615<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Short-term borrowings</a></td>
        <td class="nump">3,382<span></span></td>
        <td class="nump">5,021<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term debt (includes debt issued by consolidated variable interest entities)</a></td>
        <td class="nump">55,712<span></span></td>
        <td class="nump">55,330<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
        <td class="nump">16,800<span></span></td>
        <td class="nump">16,910<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
        <td class="nump">133,646<span></span></td>
        <td class="nump">133,879<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityAbstract', window );"><strong>Shareholders' Equity</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common shares</a></td>
        <td class="nump">207<span></span></td>
        <td class="nump">213<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdditionalPaidInCapital', window );">Additional paid-in capital</a></td>
        <td class="nump">12,216<span></span></td>
        <td class="nump">12,202<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
        <td class="nump">9,335<span></span></td>
        <td class="nump">8,507<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract', window );"><strong>Accumulated other comprehensive income (loss)</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax', window );">Net unrealized securities gains, net of tax</a></td>
        <td class="nump">94<span></span></td>
        <td class="nump">63<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax', window );">Foreign currency translation adjustments, net of tax</a></td>
        <td class="num">(1,285)<span></span></td>
        <td class="num">(1,090)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax', window );">Net unrealized pension and other postretirement benefit losses, net of tax</a></td>
        <td class="num">(351)<span></span></td>
        <td class="num">(399)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Total accumulated other comprehensive loss</a></td>
        <td class="num">(1,542)<span></span></td>
        <td class="num">(1,426)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Total shareholders' equity</a></td>
        <td class="nump">20,216<span></span></td>
        <td class="nump">19,496<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and shareholders' equity</a></td>
        <td class="nump">$ 153,862<span></span></td>
        <td class="nump">$ 153,375<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_TravelersChequesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount as of the balance sheet date of unencashed travelers cheques issued by the Company, as its liability to holders of the cheques.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_TravelersChequesOutstanding</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsPayableCurrentAndNoncurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying value as of the balance sheet date of liabilities incurred (and for which invoices have typically been received) and payable to vendors for goods and services received that are used in an entity's business.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.15(5))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.15(a))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 15<br><br><br><br> -Subparagraph a<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 15<br><br><br><br> -Subparagraph 5<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsPayableCurrentAndNoncurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsReceivableNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, the amount due from customers or clients for goods or services that have been delivered or sold in the normal course of business, reduced to their estimated net realizable fair value by an allowance established by the entity of the amount it deems uncertain of collection.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 3<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.9)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.5)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsReceivableNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsReceivableNetAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsReceivableNetAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Accumulated appreciation or loss, net of tax, in value of the total of available-for-sale securities at the end of an accounting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 14A<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669686-108580<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e637-108580<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 14<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e681-108580<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 10A<br><br><br><br> -Subparagraph (e)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669646-108580<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total of net gain (loss), prior service cost (credit), and transition assets (obligations), as well as minimum pension liability if still remaining, included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s) because they have yet to be recognized as components of net periodic benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 14A<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669686-108580<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 10A<br><br><br><br> -Subparagraph (j-k)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669646-108580<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e637-108580<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 14<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e681-108580<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 715<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (i)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Accumulated adjustment, net of tax, that results from the process of translating subsidiary financial statements and foreign equity investments into the reporting currency from the functional currency of the reporting entity, net of reclassification of realized foreign currency translation gains or losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 14A<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669686-108580<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e637-108580<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 14<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e681-108580<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 10A<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669646-108580<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 830<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 12<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6915805&amp;loc=d3e32022-110900<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 830<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450520&amp;loc=d3e32583-110901<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 14A<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669686-108580<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e637-108580<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 14<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e681-108580<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdditionalPaidInCapital">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Excess of issue price over par or stated value of the entity's capital stock and amounts received from other transactions involving the entity's stock or stockholders. Includes adjustments to additional paid in capital. Some examples of such adjustments include recording the issuance of debt with a beneficial conversion feature and certain tax consequences of equity instruments awarded to employees. Use this element for the aggregate amount of additional paid-in capital associated with common and preferred stock. For additional paid-in capital associated with only common stock, use the element additional paid in capital, common stock. For additional paid-in capital associated with only preferred stock, use the element additional paid in capital, preferred stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.30(a)(1))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdditionalPaidInCapital</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.18)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 18<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Assets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 25<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 5<br><br><br><br> -Subparagraph (aa)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndDueFromBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash Equivalents<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.1)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 1, 2, 3<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndDueFromBanks</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashCashEquivalentsAndFederalFundsSold">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of cash and cash equivalents plus Federal Funds Sold. Cash and cash equivalents consist of short term, highly liquid investments that are readily convertible to known amounts of cash and are so near their maturity that they present negligible risk of changes in value due to changes in interest rates -- usually with an original maturity less than 90 days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash Equivalents<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.1,2,3)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashCashEquivalentsAndFederalFundsSold</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashEquivalentsAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash Equivalents<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 1<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.1)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashEquivalentsAtCarryingValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Deposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDepositsInBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For banks and other depository institutions (including Federal Reserve Banks, if applicable): Interest-bearing deposits in other financial institutions for relatively short periods of time including, for example, certificates of deposits, which are presented separately from cash on the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.2)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6476743&amp;loc=d3e59706-112781<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 2<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestBearingDepositsInBanks</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Liabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.19-26)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Liabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.32)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 25<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 32<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesAndStockholdersEquity</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.7)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetReportedAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of other loans and leases not otherwise specified in the taxonomy. Excludes loans and leases covered under loss sharing agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5074-111524<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5066-111524<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetReportedAmountOther</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount of long-term debt, net of unamortized discount or premium, including current and noncurrent amounts. Includes, but not limited to, notes payable, bonds payable, debentures, mortgage loans and commercial paper. Excludes capital lease obligations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 16<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.22)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.16)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 16<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 20, 22<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.16)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LongTermDebt</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amounts, as of the balance sheet date, of assets not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.17)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 17<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 10<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amount, as of the balance sheet date, of liabilities not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 15<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.15)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherReceivables">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amounts due as of the balance sheet date from parties or arising from transactions not otherwise specified in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.8)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 8<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherReceivables</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 360<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph a<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 8<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PropertyPlantAndEquipmentNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetainedEarningsAccumulatedDeficit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cumulative amount of the reporting entity's undistributed earnings or deficit.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.31(a)(3))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RetainedEarningsAccumulatedDeficit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermBorrowings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the total carrying amount as of the balance sheet date of debt having initial terms less than one year or the normal operating cycle, if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 19<br><br><br><br> -Subparagraph a<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.19(a))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.(a),16(a)(1))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 16<br><br><br><br> -Subparagraph a(1)<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph 2, 3<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShortTermBorrowings</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SAB TOPIC 4.E)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74512-122707<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 4<br><br><br><br> -Section E<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29-31)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29, 30, 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockholdersEquity</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquityAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockholdersEquityAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>57
<FILENAME>R59.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EJBAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Asset Securitizations (Details Textuals) (American Express Travel Related Services Company Inc [Member], USD $)<br>In Billions, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">American Express Travel Related Services Company Inc [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_SecuritizedTrustsLineItems', window );"><strong>Securitized Trusts [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_SubordinatedSecuritiesOwned', window );">Subordinated securities owned</a></td>
        <td class="nump">$ 1.0<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_SecuritizedTrustsLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_SecuritizedTrustsLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_SubordinatedSecuritiesOwned">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents subordinated interests in the securitized cardmember loans, including rated and unrated investments in tranches of the securitization (subordinated securities).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_SubordinatedSecuritiesOwned</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>58
<FILENAME>R35.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E2F">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Changes in Accumulated Other Comprehensive (Loss) Income (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxAbstract', window );"><strong>Components of Comprehensive Income, net of tax [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock', window );">Components of comprehensive income (loss), net of tax</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >Changes in each component of AOCI for the </font><font style='font-family:Times New Roman;font-size:11pt;' >three and nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >were</font><font style='font-family:Times New Roman;font-size:11pt;' > as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:37.5pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >For the Three Months Ended September 30, 2014 </font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, net of tax</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net Unrealized Gains (Losses) on Investment Securities</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:59.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:59.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Foreign Currency Translation Adjustments</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net Unrealized Pension and Other Postretirement Benefit (Losses) Gains</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Accumulated Other Comprehensive (Loss) Income</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of June 30, 2014</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 105 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,118)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (358)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,371)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net unrealized gains</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2 </font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Increase (decrease) due to amounts reclassified into earnings</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (13)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (12)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net translation (loss) of investments in foreign operations</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (414)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (414)</font></td></tr><tr style='height:18pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net (losses) related to hedges of investment in foreign operations</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 246 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 246 </font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pension and other postretirement benefit gains</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 7 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 7 </font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net change in accumulated other comprehensive (loss) income </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (11)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (167)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 7 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (171)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of September 30, 2014</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 94 </font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (1,285)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (351)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (1,542)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:24.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ></td></tr><tr style='height:37.5pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >For the Nine Months Ended September 30, 2014</font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' > (Millions)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, net of tax</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net Unrealized Gains (Losses) on Investment Securities</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:59.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:59.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Foreign Currency Translation Adjustments</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net Unrealized Pension and Other Postretirement Benefit (Losses) Gains</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Accumulated Other Comprehensive (Loss) Income</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of December&#160;31, 2013</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 63 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,090)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (399)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,426)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net unrealized gains</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 102 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 102 </font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Increase (decrease) due to amounts reclassified into earnings</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (71)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 5 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (66)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net translation (loss) of investments in foreign operations</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (313)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (313)</font></td></tr><tr style='height:18.75pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net (losses) related to hedges of investment in foreign operations</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 113 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 113 </font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pension and other postretirement benefit gains</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 48 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 48 </font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net change in accumulated other comprehensive income (loss)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 31 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (195)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 48 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (116)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of September 30, 2014</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 94 </font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (1,285)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (351)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (1,542)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:24.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ></td></tr><tr style='height:37.5pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >For the Three Months Ended September 30, 2013</font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' > (Millions)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, net of tax</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net Unrealized Gains (Losses) on Investment Securities</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:59.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:59.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Foreign Currency Translation Adjustments</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net Unrealized Pension and Other Postretirement Benefit (Losses) Gains</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Accumulated Other Comprehensive (Loss) Income</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of June 30, 2013</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 153 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,027)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (434)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,308)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net unrealized (losses)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (25)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (25)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Increase (decrease) due to amounts reclassified into earnings</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (23)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (23)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net translation gain of investments in foreign operations</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 134 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 134 </font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net gains related to hedges of investment in foreign operations</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (123)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (123)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pension and other postretirement benefit gains</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 6 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 6 </font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net change in accumulated other comprehensive (loss) income </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (48)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 11 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 6 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (31)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of September 30, 2013</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 105 </font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,016)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (428)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,339)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:#000000;min-width:229.5pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:24.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ></td></tr><tr style='height:37.5pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >For the Nine Months Ended September 30, 2013</font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' > (Millions)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, net of tax</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net Unrealized Gains (Losses) on Investment Securities</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:59.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:59.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Foreign Currency Translation Adjustments</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net Unrealized Pension and Other Postretirement Benefit (Losses) Gains</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Accumulated Other Comprehensive (Loss) Income</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of December&#160;31, 2012</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 315 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (754)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (488)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (927)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net unrealized (losses)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (141)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (141)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Increase (decrease) due to amounts reclassified into earnings</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (69)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (69)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net translation (loss) of investments in foreign operations</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (422)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (422)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net gains related to hedges of investment in foreign operations</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 160 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 160 </font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pension and other postretirement benefit gains</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 60 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 60 </font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net change in accumulated other comprehensive (loss) income </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (210)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (262)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 60 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (412)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of September 30, 2013</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 105 </font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,016)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (428)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,339)</font></td></tr></table></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock', window );">Reclassification out of accumulated other comprehensive (loss) income</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table presents the effects of reclassifications out of AOCI and into the Consolidated Statements of Income for the </font><font style='font-family:Times New Roman;font-size:11pt;' >three and nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:129.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:129.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td colspan='12' rowspan='1' style='width:228pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:228pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >(Gains) losses recognized in income</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:129.75pt;text-align:left;border-color:Black;min-width:129.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:108pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:108pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >For the Three Months Ended</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='4' rowspan='1' style='width:102pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:102pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >For the Nine Months Ended</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:129.75pt;text-align:left;border-color:Black;min-width:129.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:108pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:108pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >September 30,</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='4' rowspan='1' style='width:102pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:102pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >September 30,</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:129.75pt;text-align:left;border-color:Black;min-width:129.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Income Statement</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='4' rowspan='1' style='width:102pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:102pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Amount</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='4' rowspan='1' style='width:102pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:102pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Amount</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:152.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:152.25pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Description  (</font><font style='font-family:Times New Roman;font-size:6.5pt;font-style:italic;color:#000000;' >Millions</font><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:88.5pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Line Item</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >2013</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:152.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:152.25pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Available-for-sale securities</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:141pt;text-align:left;border-color:Black;min-width:141pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Net gain in AOCI reclassifications for previously </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:129.75pt;text-align:left;border-color:Black;min-width:129.75pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >unrealized net  gains on investment securities</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Other non-interest revenues</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' > (21)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > (36)</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' > (111)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > (109)</font></td></tr><tr style='height:9pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:141pt;text-align:left;border-color:Black;min-width:141pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Related income tax expense</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Income tax provision</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' > 8 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > 13 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' > 40 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > 40 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:141pt;text-align:left;border-color:Black;min-width:141pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Reclassification to net income related to       </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:129.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:129.75pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >available-for-sale securities</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' > (13)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > (23)</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' > (71)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > (69)</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:152.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:152.25pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Foreign currency translation adjustments</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:141pt;text-align:left;border-color:Black;min-width:141pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Reclassification of realized losses on</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:129.75pt;text-align:left;border-color:Black;min-width:129.75pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > translation adjustments and  related hedges</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Other expenses </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > &#8213;   </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > &#8213;   </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' > 8 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:141pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:141pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Related income tax expense</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:88.5pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Income tax provision</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' >  1 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > &#8213;   </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' > (3)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:141pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:141pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Reclassification of foreign currency</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:129.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:129.75pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > translation adjustments</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' >  1 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > &#8213;   </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' >  5 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:152.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:152.25pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' > (12)</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > (23)</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' > (66)</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > (69)</font></td></tr></table></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComprehensiveIncomeNetOfTaxAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ComprehensiveIncomeNetOfTaxAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of information about items reclassified out of accumulated other comprehensive income (loss).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of components of comprehensive income (loss). Includes, but is not limited to, foreign currency translation adjustments, foreign currency transactions  designated as economic hedges of a net investment in foreign entity, gain (loss) and prior service cost (credit) for pension plans and other postretirement benefit plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e526-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>59
<FILENAME>R65.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EZWAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Derivatives and Hedging Activities (Details 1) (Fair Value Hedging [Member], USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Expense [Member] | Interest Rate Contracts [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1', window );">Derivative contract</a></td>
        <td class="num">$ (109)<span></span></td>
        <td class="num">$ (11)<span></span></td>
        <td class="num">$ (170)<span></span></td>
        <td class="num">$ (305)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1', window );">Hedged item</a></td>
        <td class="nump">112<span></span></td>
        <td class="nump">5<span></span></td>
        <td class="nump">176<span></span></td>
        <td class="nump">295<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnFairValueHedgeIneffectivenessNet', window );">Net hedge ineffectiveness</a></td>
        <td class="nump">3<span></span></td>
        <td class="num">(6)<span></span></td>
        <td class="nump">6<span></span></td>
        <td class="num">(10)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Income [Member] | Total Return Swap [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1', window );">Derivative contract</a></td>
        <td class="nump">0<span></span></td>
        <td class="num">(21)<span></span></td>
        <td class="nump">11<span></span></td>
        <td class="num">(10)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1', window );">Hedged item</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">21<span></span></td>
        <td class="num">(11)<span></span></td>
        <td class="nump">10<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnFairValueHedgeIneffectivenessNet', window );">Net hedge ineffectiveness</a></td>
        <td class="nump">$ 0<span></span></td>
        <td class="nump">$ 0<span></span></td>
        <td class="nump">$ 0<span></span></td>
        <td class="nump">$ 0<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of gain (loss) from the increase (decrease) in fair value of derivative and nonderivative instruments designated as fair value hedging instruments recognized in the income statement.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 25<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6886632&amp;loc=d3e76258-113986<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of the increase (decrease) in fair value of the hedged item in a fair value hedge recognized in the income statement.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 25<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6886632&amp;loc=d3e76258-113986<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsGainLossLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeInstrumentsGainLossLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnFairValueHedgeIneffectivenessNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of gain (loss)recognized in the income statement from the hedging ineffectiveness of a fair value hedge.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 25<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6886632&amp;loc=d3e76258-113986<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainLossOnFairValueHedgeIneffectivenessNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>60
<FILENAME>R22.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Earnings Per Common Share (EPS)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings Per Share [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareTextBlock', window );">Earnings Per Common Share (EPS)</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-20.15pt;' >13</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >. </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' > </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >E</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >arnings </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >P</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >er </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >C</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >ommon </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >S</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >hare </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >(EPS)</font></p><p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The computations of basic and diluted </font><font style='font-family:Times New Roman;font-size:11pt;' >EPS</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >were as&#160;follows: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:254.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:254.25pt;' ></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:92.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:92.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Three Months Ended</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:92.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:92.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:254.25pt;text-align:left;border-color:Black;min-width:254.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:92.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:92.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:92.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:92.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td></tr><tr style='height:13.5pt;' ><td colspan='5' rowspan='1' style='width:284.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:284.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions, except per share amounts)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='2' rowspan='1' style='width:44.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' ></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;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='2' rowspan='1' style='width:44.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' ></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;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:13.5pt;' ><td colspan='5' rowspan='1' style='width:284.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:284.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Numerator:</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:276.75pt;text-align:left;border-color:Black;min-width:276.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Basic and diluted:</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='3' rowspan='1' style='width:269.25pt;text-align:left;border-color:Black;min-width:269.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net income</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,477</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,366</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4,438</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4,051</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='3' rowspan='1' style='width:269.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:269.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Earnings allocated to participating share awards</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(11)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(12)</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(35)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(36)</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='3' rowspan='1' style='width:269.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:269.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net income attributable to common shareholders</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,466</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,354</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4,403</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4,015</font></td></tr><tr style='height:9.75pt;' ><td colspan='5' rowspan='1' style='width:284.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:284.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Denominator:</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > (a)</font></sup></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:276.75pt;text-align:left;border-color:Black;min-width:276.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Basic: Weighted-average common stock</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,041</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,074</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,051</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,087</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:276.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:276.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Add: Weighted-average stock options </font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >7</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >7</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:276.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:276.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Diluted</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,047</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,081</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,057</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,094</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:254.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:254.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='5' rowspan='1' style='width:284.25pt;text-align:left;border-color:Black;min-width:284.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Basic EPS</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1.41</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1.26</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4.19</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3.69</font></td></tr><tr style='height:9.75pt;' ><td colspan='5' rowspan='1' style='width:284.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:284.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Diluted EPS</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1.40</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1.25</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4.17</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3.67</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The Company&#8217;s unvested restricted stock awards, which include the right to receive non-forfeitable dividends or dividend equivalents, are considered participating securities. Calculations of EPS under the two-class method exclude</font><font style='font-family:Times New Roman;font-size:8pt;' > from the numerator</font><font style='font-family:Times New Roman;font-size:8pt;' > any dividends paid or owed on participating securities and any undistributed earnings considered to be attributa</font><font style='font-family:Times New Roman;font-size:8pt;' >ble to participating securities. The related participating securities are similarly excluded from </font><font style='font-family:Times New Roman;font-size:8pt;' >the denominator.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The dilutive effect of unexe</font><font style='font-family:Times New Roman;font-size:8pt;' >rcised stock options excludes 0.2 million and 0.1 million of options from the computation of EPS for </font><font style='font-family:Times New Roman;font-size:8pt;' >the </font><font style='font-family:Times New Roman;font-size:8pt;' >three months ended </font><font style='font-family:Times New Roman;font-size:8pt;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;' >, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, respectively,</font><font style='font-family:Times New Roman;font-size:8pt;' > and 0.2 million options for </font><font style='font-family:Times New Roman;font-size:8pt;' >both </font><font style='font-family:Times New Roman;font-size:8pt;' >the nine months ended </font><font style='font-family:Times New Roman;font-size:8pt;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;' >, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' > b</font><font style='font-family:Times New Roman;font-size:8pt;' >ecause inclusion of the options would have been anti-dilutive.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >For the </font><font style='font-family:Times New Roman;font-size:11pt;' >three and nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >, the Company</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >met specified performance measures related to the Subordinated Debentures of </font><font style='font-family:Times New Roman;font-size:11pt;' >$</font><font style='font-family:Times New Roman;font-size:11pt;' >750</font><font style='font-family:Times New Roman;font-size:11pt;' > million issued</font><font style='font-family:Times New Roman;font-size:11pt;' > in 2006, and maturing in 2036</font><font style='font-family:Times New Roman;font-size:11pt;' >. If the</font><font style='font-family:Times New Roman;font-size:11pt;' > performance measures were not achieved in any given quarter, the Company would be required to issue common shares and apply the proceeds to make interest</font><font style='font-family:Times New Roman;font-size:11pt;' > payments.</font></p></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for earnings per share.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1278-109256<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 52<br><br> -URI http://asc.fasb.org/extlink&amp;oid=32703322&amp;loc=d3e4984-109258<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>61
<FILENAME>R36.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Earnings Per Common Share (EPS) (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareReconciliationAbstract', window );"><strong>Earnings Per Share Reconciliation [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock', window );">Computation of basic and diluted EPS</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The computations of basic and diluted </font><font style='font-family:Times New Roman;font-size:11pt;' >EPS</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >were as&#160;follows: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:254.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:254.25pt;' ></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:92.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:92.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Three Months Ended</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:92.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:92.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:254.25pt;text-align:left;border-color:Black;min-width:254.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:92.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:92.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:92.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:92.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td></tr><tr style='height:13.5pt;' ><td colspan='5' rowspan='1' style='width:284.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:284.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions, except per share amounts)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='2' rowspan='1' style='width:44.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' ></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;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='2' rowspan='1' style='width:44.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:44.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' ></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;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:13.5pt;' ><td colspan='5' rowspan='1' style='width:284.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:284.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Numerator:</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:276.75pt;text-align:left;border-color:Black;min-width:276.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Basic and diluted:</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='3' rowspan='1' style='width:269.25pt;text-align:left;border-color:Black;min-width:269.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net income</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,477</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,366</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4,438</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4,051</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='3' rowspan='1' style='width:269.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:269.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Earnings allocated to participating share awards</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(11)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(12)</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(35)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(36)</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='3' rowspan='1' style='width:269.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:269.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net income attributable to common shareholders</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,466</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,354</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4,403</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4,015</font></td></tr><tr style='height:9.75pt;' ><td colspan='5' rowspan='1' style='width:284.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:284.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Denominator:</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > (a)</font></sup></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:276.75pt;text-align:left;border-color:Black;min-width:276.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Basic: Weighted-average common stock</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,041</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,074</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,051</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,087</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:276.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:276.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Add: Weighted-average stock options </font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >7</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >7</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:276.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:276.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Diluted</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,047</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,081</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,057</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,094</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:254.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:254.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='5' rowspan='1' style='width:284.25pt;text-align:left;border-color:Black;min-width:284.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Basic EPS</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1.41</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1.26</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4.19</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3.69</font></td></tr><tr style='height:9.75pt;' ><td colspan='5' rowspan='1' style='width:284.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:284.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Diluted EPS</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1.40</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1.25</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4.17</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3.67</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The Company&#8217;s unvested restricted stock awards, which include the right to receive non-forfeitable dividends or dividend equivalents, are considered participating securities. Calculations of EPS under the two-class method exclude</font><font style='font-family:Times New Roman;font-size:8pt;' > from the numerator</font><font style='font-family:Times New Roman;font-size:8pt;' > any dividends paid or owed on participating securities and any undistributed earnings considered to be attributa</font><font style='font-family:Times New Roman;font-size:8pt;' >ble to participating securities. The related participating securities are similarly excluded from </font><font style='font-family:Times New Roman;font-size:8pt;' >the denominator.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The dilutive effect of unexe</font><font style='font-family:Times New Roman;font-size:8pt;' >rcised stock options excludes 0.2 million and 0.1 million of options from the computation of EPS for </font><font style='font-family:Times New Roman;font-size:8pt;' >the </font><font style='font-family:Times New Roman;font-size:8pt;' >three months ended </font><font style='font-family:Times New Roman;font-size:8pt;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;' >, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, respectively,</font><font style='font-family:Times New Roman;font-size:8pt;' > and 0.2 million options for </font><font style='font-family:Times New Roman;font-size:8pt;' >both </font><font style='font-family:Times New Roman;font-size:8pt;' >the nine months ended </font><font style='font-family:Times New Roman;font-size:8pt;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;' >, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' > b</font><font style='font-family:Times New Roman;font-size:8pt;' >ecause inclusion of the options would have been anti-dilutive.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareReconciliationAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareReconciliationAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of an entity's basic and diluted earnings per share calculations, including a reconciliation of numerators and denominators of the basic and diluted per-share computations for income from continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>62
<FILENAME>R24.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Contingencies<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract', window );"><strong>Contingencies Disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock', window );">Contingencies</a></td>
        <td class="text"><div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-19.45pt;' >15</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >. </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' > </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >Contingencies</font></p><p style='text-align:justify;margin-top:9pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The Company and its subsidiaries are involved in a number of legal proceedings concerning matters arising </font><font style='font-family:Times New Roman;font-size:11pt;' >out of</font><font style='font-family:Times New Roman;font-size:11pt;' > the conduct of their respective business activities and are periodically subject to governmental </font><font style='font-family:Times New Roman;font-size:11pt;' >and regulatory </font><font style='font-family:Times New Roman;font-size:11pt;' >examinations, information gathering requests, subpoenas, inquiries and investigations (collectively,</font><font style='font-family:Times New Roman;font-size:11pt;' > governmental examinations</font><font style='font-family:Times New Roman;font-size:11pt;' >). As of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' >, the Company and various of its subsidiaries were named as a defendant or were otherwise involved in nu</font><font style='font-family:Times New Roman;font-size:11pt;' >merous legal proceedings and governmental examinations in various jurisdictions, both in </font><font style='font-family:Times New Roman;font-size:11pt;' >and outside the U.S. The Company discloses its material legal proceedings and governmental examinations under Item 1. &#8220;Legal Proceedings&#8221; in Part II. &#8220;Other Informatio</font><font style='font-family:Times New Roman;font-size:11pt;' >n&#8221;, and under &#8220;Legal Proceedings&#8221; in the Annual Report (collectively, Legal Proceedings).</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The Company has recorded liabilities for certain of its outstanding legal proceedings and governmental examinations. A liability is accrued when it is both (a) proba</font><font style='font-family:Times New Roman;font-size:11pt;' >ble that a loss has occurred and (b) the amount of lo</font><font style='font-family:Times New Roman;font-size:11pt;' >ss can be reasonably estimated. T</font><font style='font-family:Times New Roman;font-size:11pt;' >here may be </font><font style='font-family:Times New Roman;font-size:11pt;' >instances in which </font><font style='font-family:Times New Roman;font-size:11pt;' >an exposure to loss </font><font style='font-family:Times New Roman;font-size:11pt;' >exceeds the accrued liability</font><font style='font-family:Times New Roman;font-size:11pt;' >. The Company evaluates, on a quarterly basis, developments in legal proceedings and gover</font><font style='font-family:Times New Roman;font-size:11pt;' >nmental examinations that could cause an increase or decrease in the amount of the liability that has been previously accrued</font><font style='font-family:Times New Roman;font-size:11pt;' > or a revision to the disclosed estimated range of possible losses, as applicable</font><font style='font-family:Times New Roman;font-size:11pt;' >. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The Company&#8217;s legal proceedings range from cas</font><font style='font-family:Times New Roman;font-size:11pt;' >es brought by a single plaintiff to class actions with </font><font style='font-family:Times New Roman;font-size:11pt;' >millions </font><font style='font-family:Times New Roman;font-size:11pt;' >of putative class members. These legal proceedings, as well as governmental examinations, involve various lines of business of the Company and a variety of claims (including, but not limited t</font><font style='font-family:Times New Roman;font-size:11pt;' >o, common law tort, contract, antitrust and consumer protection claims), some of which present novel factual allegations and/or unique legal theories. While some matters pending against the Company specify the damages claimed by the plaintiff, many seek </font><font style='font-family:Times New Roman;font-size:11pt;' >an</font><font style='font-family:Times New Roman;font-size:11pt;' > unspecified </font><font style='font-family:Times New Roman;font-size:11pt;' >amount of damages or are at very early stages of the legal process. Even when the amount of damages claimed against the Company are stated, the claimed amount may be exaggerated and/or unsupported. As a result, some matters have not yet progre</font><font style='font-family:Times New Roman;font-size:11pt;' >ssed sufficiently through discovery and/or development of important factual information and legal issues to enable the Company to estimate a range of possible loss.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >Other matters have progressed sufficiently through discovery and/or development of importa</font><font style='font-family:Times New Roman;font-size:11pt;' >nt factual information and legal issues s</font><font style='font-family:Times New Roman;font-size:11pt;' >o</font><font style='font-family:Times New Roman;font-size:11pt;' > that the Company is able to estimate a range of possible loss.  Accordingly, for those legal proceedings and governmental examination</font><font style='font-family:Times New Roman;font-size:11pt;' >s</font><font style='font-family:Times New Roman;font-size:11pt;' > disclosed </font><font style='font-family:Times New Roman;font-size:11pt;' >or referred to </font><font style='font-family:Times New Roman;font-size:11pt;' >in Legal Proceedings </font><font style='font-family:Times New Roman;font-size:11pt;' >where</font><font style='font-family:Times New Roman;font-size:11pt;' > a loss is reasonably possi</font><font style='font-family:Times New Roman;font-size:11pt;' >ble in future periods, whether in excess of a related accrued liability or where there is no accrued liability, and for which the Company is able to estimate a range of possible loss, the current estimated range is</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >zero</font><font style='font-family:Times New Roman;font-size:11pt;' > to </font><font style='font-family:Times New Roman;font-size:11pt;' >$</font><font style='font-family:Times New Roman;font-size:11pt;' >350</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >million in exce</font><font style='font-family:Times New Roman;font-size:11pt;' >ss o</font><font style='font-family:Times New Roman;font-size:11pt;' >f any accrued liability related to the</font><font style='font-family:Times New Roman;font-size:11pt;' >se matters. This aggregate range represents management&#8217;s estimate of possible loss with respect to these matters and is based on currently available information. This estimated range of possible loss does not represent</font><font style='font-family:Times New Roman;font-size:11pt;' > the Company&#8217;s maximum loss exposure. The legal proceedings and governmental examinations underlying the estimated range will change from time to time and actual results may vary significantly from current estimate</font><font style='font-family:Times New Roman;font-size:11pt;' >s</font><font style='font-family:Times New Roman;font-size:11pt;' >.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >Based on its current knowledge, and ta</font><font style='font-family:Times New Roman;font-size:11pt;' >king into consideration its litigation-related liabilities, the Company believes it is not a party to, nor are any of its properties the subject of, any pending legal proceeding or governmental examination that would have a material adverse effect on the C</font><font style='font-family:Times New Roman;font-size:11pt;' >ompany&#8217;s consolidated financial condition or liquidity. However, in light of the uncertainties involved in such matters, the ultimate outcome of a particular matter could be material to the Company&#8217;s operating results for a particular period depending on, </font><font style='font-family:Times New Roman;font-size:11pt;' >among other factors, the size of the loss or liability imposed and the level of the Company&#8217;s </font><font style='font-family:Times New Roman;font-size:11pt;' >earnings</font><font style='font-family:Times New Roman;font-size:11pt;' > for that period.</font></p></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommitmentsAndContingenciesDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for commitments and contingencies.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.25)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6449706&amp;loc=d3e16207-108621<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 460<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6398077&amp;loc=d3e12565-110249<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25496072&amp;loc=d3e14435-108349<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 440<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6394976&amp;loc=d3e25287-109308<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommitmentsAndContingenciesDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>63
<FILENAME>R68.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EECAG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Fair Values (Details) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsAbstract', window );"><strong>Investment securities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesEquitySecurities', window );">Equity securities</a></td>
        <td class="nump">$ 1.0<span></span></td>
        <td class="nump">$ 124.0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther', window );">Debt securities and other</a></td>
        <td class="nump">4,749<span></span></td>
        <td class="nump">4,892<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Derivatives</a></td>
        <td class="nump">822<span></span></td>
        <td class="nump">701<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureRecurring', window );">Total assets</a></td>
        <td class="nump">5,572<span></span></td>
        <td class="nump">5,717<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsAbstract', window );"><strong>Investment securities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesEquitySecurities', window );">Equity securities</a></td>
        <td class="nump">1.0<span></span></td>
        <td class="nump">124.0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther', window );">Debt securities and other</a></td>
        <td class="nump">349<span></span></td>
        <td class="nump">320<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Derivatives</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureRecurring', window );">Total assets</a></td>
        <td class="nump">350<span></span></td>
        <td class="nump">444<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Level 2 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsAbstract', window );"><strong>Investment securities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesEquitySecurities', window );">Equity securities</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther', window );">Debt securities and other</a></td>
        <td class="nump">4,400<span></span></td>
        <td class="nump">4,572<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Derivatives</a></td>
        <td class="nump">822<span></span></td>
        <td class="nump">701<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureRecurring', window );">Total assets</a></td>
        <td class="nump">5,222<span></span></td>
        <td class="nump">5,273<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Level 3 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsAbstract', window );"><strong>Investment securities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesEquitySecurities', window );">Equity securities</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther', window );">Debt securities and other</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Derivatives</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureRecurring', window );">Total assets</a></td>
        <td class="nump">$ 0<span></span></td>
        <td class="nump">$ 0<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, the total of debt and other securities categorized neither as held-to-maturity nor trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_AvailableForSaleSecuritiesDebtSecuritiesAndOther</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsFairValueDisclosureRecurring">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the aggregate of the assets reported on the balance sheet at period end measured at fair value on a recurring basis by the entity. This element is intended to be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AssetsFairValueDisclosureRecurring</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesEquitySecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of equity securities categorized neither as held-to-maturity nor as trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62557-112803<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesEquitySecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeFairValueOfDerivativeAsset">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value before effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 20<br><br> -Section 55<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28370219&amp;loc=SL20226000-175313<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20225523&amp;loc=SL20225862-175312<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4B<br><br> -Subparagraph (a),(c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624163-113959<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeFairValueOfDerivativeAsset</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InvestmentsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>64
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/**
 * Rivet Software Inc.
 *
 * @copyright Copyright (c) 2006-2011 Rivet Software, Inc. All rights reserved.
 * Version 2.4.0.3
 *
 */

var Show = {};
Show.LastAR = null,

Show.hideAR = function(){
	Show.LastAR.style.display = 'none';
};

Show.showAR = function ( link, id, win ){
	if( Show.LastAR ){
		Show.hideAR();
	}

	var ref = link;
	do {
		ref = ref.nextSibling;
	} while (ref && ref.nodeName != 'TABLE');

	if (!ref || ref.nodeName != 'TABLE') {
		var tmp = win ?
			win.document.getElementById(id) :
			document.getElementById(id);

		if( tmp ){
			ref = tmp.cloneNode(true);
			ref.id = '';
			link.parentNode.appendChild(ref);
		}
	}

	if( ref ){
		ref.style.display = 'block';
		Show.LastAR = ref;
	}
};

Show.toggleNext = function( link ){
	var ref = link;

	do{
		ref = ref.nextSibling;
	}while( ref.nodeName != 'DIV' );

	if( ref.style &&
		ref.style.display &&
		ref.style.display == 'none' ){
		ref.style.display = 'block';

		if( link.textContent ){
			link.textContent = link.textContent.replace( '+', '-' );
		}else{
			link.innerText = link.innerText.replace( '+', '-' );
		}
	}else{
		ref.style.display = 'none';

		if( link.textContent ){
			link.textContent = link.textContent.replace( '-', '+' );
		}else{
			link.innerText = link.innerText.replace( '-', '+' );
		}
	}
};
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>65
<FILENAME>R7.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EKPAG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Consolidated Balance Sheets (Parenthetical) (USD $)<br>In Millions, except Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Card Member receivables, gross</a></td>
        <td class="nump">$ 45,117<span></span></td>
        <td class="nump">$ 44,163<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard', window );">Card Member loans, gross</a></td>
        <td class="nump">66,057<span></span></td>
        <td class="nump">67,238<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
        <td class="nump">10,845<span></span></td>
        <td class="nump">11,228<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Short-term borrowings</a></td>
        <td class="nump">3,382<span></span></td>
        <td class="nump">5,021<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term debt</a></td>
        <td class="nump">55,712<span></span></td>
        <td class="nump">55,330<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract', window );"><strong>Cash and cash equivalents</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SecuritiesPurchasedUnderAgreementsToResell', window );">Securities purchased under resale agreements</a></td>
        <td class="nump">232<span></span></td>
        <td class="nump">143<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableNetAbstract', window );"><strong>Accounts receivable</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForDoubtfulAccountsReceivable', window );">Card Member receivables, reserves</a></td>
        <td class="nump">432<span></span></td>
        <td class="nump">386<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherReceivablesReserves', window );">Other receivables, reserves</a></td>
        <td class="nump">44<span></span></td>
        <td class="nump">71<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract', window );"><strong>Loans</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Card Member loans, reserves</a></td>
        <td class="nump">1,146<span></span></td>
        <td class="nump">1,261<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableOtherAllowance', window );">Other loans, reserves</a></td>
        <td class="nump">11<span></span></td>
        <td class="nump">13<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment', window );">Accumulated depreciation and amortization</a></td>
        <td class="nump">6,327<span></span></td>
        <td class="nump">5,978<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestrictedCashAndCashEquivalents', window );">Restricted cash</a></td>
        <td class="nump">44<span></span></td>
        <td class="nump">58<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common shares, par value</a></td>
        <td class="nump">$ 0.2<span></span></td>
        <td class="nump">$ 0.2<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common shares, authorized</a></td>
        <td class="nump">3,600,000,000<span></span></td>
        <td class="nump">3,600,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common shares, issued</a></td>
        <td class="nump">1,035,000,000<span></span></td>
        <td class="nump">1,064,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesOutstanding', window );">Common shares, outstanding</a></td>
        <td class="nump">1,035,000,000<span></span></td>
        <td class="nump">1,064,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract', window );"><strong>Accumulated other comprehensive income (loss)</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax', window );">Net unrealized securities gains, tax</a></td>
        <td class="nump">52<span></span></td>
        <td class="nump">33<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax', window );">Foreign currency translation adjustments, tax</a></td>
        <td class="num">(485)<span></span></td>
        <td class="num">(526)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansTax', window );">Net unrealized pension and other postretirement benefit losses, tax</a></td>
        <td class="num">(148)<span></span></td>
        <td class="num">(177)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Variable Interest Enterprise [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Card Member receivables, gross</a></td>
        <td class="nump">6,253<span></span></td>
        <td class="nump">7,329<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard', window );">Card Member loans, gross</a></td>
        <td class="nump">28,310<span></span></td>
        <td class="nump">31,245<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Short-term borrowings</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">2,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term debt</a></td>
        <td class="nump">15,501<span></span></td>
        <td class="nump">18,690<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract', window );"><strong>Loans</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestrictedCashAndCashEquivalents', window );">Restricted cash</a></td>
        <td class="nump">$ 44<span></span></td>
        <td class="nump">$ 58<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tax effect on the gross appreciation or the gross loss, net of reclassification adjustment, in the value of available for sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tax effects on the accumulated comprehensive income (loss) related to benefit plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlansTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tax effect on the accumulated adjustment that results from the process of translating subsidiary financial statements and foreign equity investments into functional currency of the reporting entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_AccumulatedOtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_OtherReceivablesReserves">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reserves for losses relating to other receivables represent management's best estimate of the losses inherent in the Company's outstanding portfolio of other receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_OtherReceivablesReserves</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsReceivableNetAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsReceivableNetAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of accumulated depreciation, depletion and amortization for physical assets used in the normal conduct of business to produce goods and services.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 360<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (c)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.14)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 14<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForDoubtfulAccountsReceivable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, a valuation allowance for receivables due a company that are expected to be uncollectible.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 4<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5074-111524<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.4)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllowanceForDoubtfulAccountsReceivable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockParOrStatedValuePerShare">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Face amount or stated value per share of common stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockParOrStatedValuePerShare</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesAuthorized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The maximum number of common shares permitted to be issued by an entity's charter and bylaws.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockSharesAuthorized</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesIssued">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockSharesIssued</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of shares of common stock outstanding. Common stock represent the ownership interest in a corporation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.3-04)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockSharesOutstanding</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableAllowance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.7(d))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 7<br><br><br><br> -Subparagraph d<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (b)(1)(ii)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379141&amp;loc=d3e15032-111544<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 6<br><br><br><br> -Section L<br><br><br><br> -Subsection 1<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableAllowance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allowance of credit card loans issued to individuals. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 7<br><br><br><br> -Subparagraph a, b<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 7<br><br><br><br> -Subparagraph a<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.7(a)(4),(b))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableOtherAllowance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The allowance for other loan and lease losses represents the reserve to cover probable credit losses related to specifically identified other loans and leases, as well as probable credit losses inherent in the remainder of the other loan portfolio as of the balance sheet date. For banks, include currently required allocated transfer risk reserves. Include carryover of or adjustments to the allowance for other loan losses in connection with business combinations determined to be appropriate.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 15<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5212-111524<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.7(d))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 7<br><br><br><br> -Subparagraph d<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 6<br><br><br><br> -Section L<br><br><br><br> -Subsection 1<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 40<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=25495931&amp;loc=d3e18832-111554<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74567-122707<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 40<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=25495931&amp;loc=d3e18805-111554<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableOtherAllowance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount of long-term debt, net of unamortized discount or premium, including current and noncurrent amounts. Includes, but not limited to, notes payable, bonds payable, debentures, mortgage loans and commercial paper. Excludes capital lease obligations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 16<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.22)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.16)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 16<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 20, 22<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.16)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LongTermDebt</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NotesReceivableGross">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount representing an agreement for an unconditional promise by the maker to pay the entity (holder) a definite sum of money at a future date. Such amount may include accrued interest receivable in accordance with the terms of the note. The note also may contain provisions and related items including a discount or premium, payable on demand, secured, or unsecured, interest bearing or noninterest bearing, among a myriad of other features and characteristics. Excludes amounts related to receivables held-for-sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.10(3))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 10<br><br><br><br> -Subparagraph 3<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NotesReceivableGross</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amounts, as of the balance sheet date, of assets not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.17)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 17<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 10<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RestrictedCashAndCashEquivalents">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The carrying amounts of cash and cash equivalent items which are restricted as to withdrawal or usage. Restrictions may include legally restricted deposits held as compensating balances against borrowing arrangements, contracts entered into with others, or entity statements of intention with regard to particular deposits; however, time deposits and short-term certificates of deposit are not generally included in legally restricted deposits. Excludes compensating balance arrangements that are not agreements which legally restrict the use of cash amounts shown on the balance sheet. This element is for unclassified presentations; for classified presentations there is a separate and distinct element.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 1<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.1)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RestrictedCashAndCashEquivalents</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SecuritiesPurchasedUnderAgreementsToResell">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount, after the effects of master netting arrangements, of funds outstanding loaned in the form of a security resale agreement between the entity and another party for the sale and repurchase of identical or substantially the same securities at a date certain for a specified price. Includes purchases of participations in pools of securities that are subject to a resale agreement and assets not subject to a master netting arrangement.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.3)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -Subparagraph (c)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=20225523&amp;loc=SL20225862-175312<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 55<br><br><br><br> -Paragraph 10<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28370219&amp;loc=SL20226008-175313<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.4-08.(m)(2)(i))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 08<br><br><br><br> -Paragraph m<br><br><br><br> -Subparagraph 1(i)<br><br><br><br> -Article 4<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7472769&amp;loc=d3e9760-107771<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 08<br><br><br><br> -Paragraph m<br><br><br><br> -Subparagraph 2<br><br><br><br> -Article 4<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SecuritiesPurchasedUnderAgreementsToResell</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermBorrowings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the total carrying amount as of the balance sheet date of debt having initial terms less than one year or the normal operating cycle, if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 19<br><br><br><br> -Subparagraph a<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.19(a))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.(a),16(a)(1))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 16<br><br><br><br> -Subparagraph a(1)<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph 2, 3<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShortTermBorrowings</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>66
<FILENAME>R3.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EHEAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Consolidated Statements of Income (Parenthetical) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeStatementAbstract', window );"><strong>Consolidated Statements of Income [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits', window );">Earnings allocated to participating share awards</a></td>
        <td class="nump">$ 11<span></span></td>
        <td class="nump">$ 12<span></span></td>
        <td class="nump">$ 35<span></span></td>
        <td class="nump">$ 36<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of increase (decrease) to net income used for calculating diluted earnings per share (EPS), resulting from the assumed exercise of stock options or restrictive stock units (RSUs).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeStatementAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeStatementAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>67
<FILENAME>R17.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Derivatives and Hedging Activities<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract', window );"><strong>Derivative Instruments And Hedging Activities Disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock', window );">Derivatives and Hedging Activities</a></td>
        <td class="text"><div><p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-15.85pt;color:#000000;' >8</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' >. </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' >  </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' >Derivatives and Hedging Activities</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >The Company uses derivative financial instruments (derivatives) to manage exposures to various market risks. Derivatives derive their value from an underlying variable or multiple variables, including </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >interest rate, foreign exchange, and equity index or price. These instruments enable end users to increase, reduce or alter exposure to various market risks and, for that reason, are an integral component of the Com</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >pany&#8217;s market risk management. </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >The Compan</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >y does not engage in derivatives for trading purposes.</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > For information on the Company&#8217;s derivative instruments and the related accounting policies, refer to Note 12 on pages 87 &#8211; 90 of the Annual Report.  </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >In relation to the Company&#8217;s credit risk, under t</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >he terms of the derivative agreements it has with its various counterparties, the Company is not required to either immediately settle any outstanding liability balances or post collateral upon the occurrence of a specified credit risk-related event</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >. </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >Base</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >d on the assessment of credit risk of the Company&#8217;s derivative counterparties as of </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, the Company does not have derivative positions that warrant credit valuation adjustments</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The Company&#8217;s derivatives are </font><font style='font-family:Times New Roman;font-size:11pt;' >carried at fair value on th</font><font style='font-family:Times New Roman;font-size:11pt;' >e Consolidated Balance Sheets. </font><font style='font-family:Times New Roman;font-size:11pt;' >Refer to Note </font><font style='font-family:Times New Roman;font-size:11pt;' >3 on pages </font><font style='font-family:Times New Roman;font-size:11pt;' >68 &#8211; 71</font><font style='font-family:Times New Roman;font-size:11pt;' > of the Annual Report</font><font style='font-family:Times New Roman;font-size:11pt;' > for a description of the Company&#8217;s methodology for determining the fair value of derivatives.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following t</font><font style='font-family:Times New Roman;font-size:11pt;' >able summarizes the total </font><font style='font-family:Times New Roman;font-size:11pt;' >fair val</font><font style='font-family:Times New Roman;font-size:11pt;' >ue, excluding interest acc</font><font style='font-family:Times New Roman;font-size:11pt;' >ruals, of derivative assets and l</font><font style='font-family:Times New Roman;font-size:11pt;' >iabilities as of </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:270.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:270.75pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='5' rowspan='1' style='width:90.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:90.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Other Assets</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:90.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:90.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Other Liabilities</font></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:270.75pt;text-align:left;border-color:Black;min-width:270.75pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='5' rowspan='1' style='width:90.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:90.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Fair Value</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:90.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:90.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Fair Value</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:279pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:279pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2013</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:279pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:279pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Derivatives designated as hedging instruments:</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:279pt;text-align:left;border-color:Black;min-width:279pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Interest rate contracts</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:270.75pt;text-align:left;border-color:Black;min-width:270.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Fair value hedges</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 309 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 455 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 27 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 2 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:279pt;text-align:left;border-color:Black;min-width:279pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total return contract</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:270.75pt;text-align:left;border-color:Black;min-width:270.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Fair value hedge</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 8 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:279pt;text-align:left;border-color:Black;min-width:279pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Foreign exchange contracts</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:270.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:270.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Net investment hedges</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 384 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 174 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 57 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >116 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:279pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:279pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total derivatives designated as hedging instruments</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 693 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 637 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 84 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 118 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:279pt;text-align:left;border-color:Black;min-width:279pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Derivatives not designated as hedging instruments:</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:left;border-color:Black;min-width:32.25pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:270.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:270.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Foreign exchange contracts, including certain embedded derivatives</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 129 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 64 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 162 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >95 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:279pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:279pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total derivatives, gross</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 822 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 701 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 246 </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 213 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:279pt;text-align:left;border-color:Black;min-width:279pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Less: Cash collateral netting</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(b) </font></sup></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > (125)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > (336)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > (27)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:279pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:279pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >          Derivative asset and derivative liability netting</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(c) </font></sup></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > (126)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > (36)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > (126)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > (36)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:279pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:279pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total derivatives, net</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(d)</font></sup></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 571 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 329 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 93 </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:32.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 177 </font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Includes foreign currency derivatives embedded in certain operating agreements.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents the offsetting of derivative instruments and the right to reclaim cash collateral (a receivable) or the obligation to return cash collateral (a payable) arising </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >from derivative instrument(s) executed with the same counterparty under an enforceable master netting arrangement.</font><font style='font-family:Times New Roman;font-size:8pt;' > Additionally, the Company received noncash collateral from a counterparty in the form of security interest in U.S. Treasury securities with a</font><font style='font-family:Times New Roman;font-size:8pt;' > fair value of $111 million and nil as of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, respectively</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, none of which was sold or </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >repledged</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >. Such noncash collateral economically reduces the Company&#8217;s risk exposure to $460 million as of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, but d</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >oes not reduce the net exposure on the Company&#8217;s Consolidated Balance Sheets. Additionally, the Company posted </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >97</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >26</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million as of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, respectively</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, as initial margin on its cent</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >rally cleared interest rate swaps; such amounts are recorded within other receivables on the Company&#8217;s Consolidated Balance Sheets and are not netted against the derivative balances.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents the amount of netting of derivative assets and derivative liab</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ilities executed with the same counterparty under an enforceable master netting arrangement.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >The Company has no individually significant derivative counterparties and therefore, no significant risk exposure to any single derivative counterparty. The total </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >net derivative assets and derivative liabilities are presented within </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >O</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ther assets and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >O</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ther liabilities on the Company&#8217;s Consolidated Balance Sheets.</font></li></ul><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >A majority of the Company&#8217;s derivative assets and liabilities as of </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > and December 31, </font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >are subject to master netting agreements with its derivative counterparties. In addition, the Company has </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >no</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > derivative amounts subject to enforceable master netting arrangements that are not offset on the Company&#8217;s Consolidated Balance Sheets.</font></p><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' >Der</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' >ivative Financial Instruments that Qualify for Hedge Accounting </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:10pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >Refer to Note 12 on</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > pages </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >89 &#8211; 90</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > of the Annual Report for information on derivatives that qualify for hedge accounting.</font></p><p style='text-align:justify;line-height:10pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' >Fair Value Hedges</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;font-style:italic;margin-left:0pt;color:#000000;' >Interest Rate Contracts</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >The Company is exposed to interest rate risk associated with its fixed-rate long-term debt. The Company uses interest rate swaps to </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >economically </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >convert certain fixed-rate debt </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >obligations </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >to floating-rate </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >obligations </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >at the time of issuance. As of </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > the Company hedged </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >18.2</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > billion and </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >14.7</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > billion</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, respectively, of its fixed-rate debt to floating-rate debt using interest rate swaps.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;font-style:italic;margin-left:0pt;color:#000000;' >Total Return Contract</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >The Company hedged its exposure to changes</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > in the fair value of its equity investment in ICBC in local currency. The Company used a total return contract (TRC) to transfer this exposure to its derivative counterparty. On July 18, 2014, the Company sold its remaining 34.3 million shares in ICBC and</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > terminated the TRC. As of</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > December 31, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, the fair value of the equity investment in ICBC was $122 million </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >(</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >180.7 million shares). Prior to termination, to the extent the hedge was effective, the gain or loss on the TRC offset the gain or loss on th</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >e investment in ICBC. Any difference between the changes in the fair value of the derivative and the hedged item resulted in hedge ineffectiveness and was recognized in </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >Other</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > expenses in the Consolidated Statements of Income. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >The following table summarizes the impact on the Consolidated Statements of Income associated with the Company&#8217;s hedges of </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >its </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >fixed-rate long-term debt</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > and its investment in ICBC for the </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >three and nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >:</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:168.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:168.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >For the Three Months Ended September 30:</font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:72pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='21' rowspan='1' style='width:397.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:397.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Gains (losses) recognized in income</font></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;text-align:left;border-color:Black;min-width:72pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='7' rowspan='1' style='width:160.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:160.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Derivative contract</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6pt;' ></td><td colspan='7' rowspan='1' style='width:160.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:160.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Hedged item</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:64.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net hedge</font></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;text-align:left;border-color:Black;min-width:72pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Amount</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Amount</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:64.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;ineffectiveness</font></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Derivative relationship</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Income Statement Line Item</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Income Statement Line Item</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Interest rate contracts</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other expenses&#160;&#160;</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(109)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(11)</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other expenses&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >112</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >5</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >3</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(6)</font></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total return contract</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:90pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other non-interest revenues</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(21)</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:90pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other non-interest revenues</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >21 </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:168.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:168.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >For the Nine Months Ended September 30:</font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:90pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:72pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='21' rowspan='1' style='width:397.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:397.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Gains (losses) recognized in income</font></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;text-align:left;border-color:Black;min-width:72pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='7' rowspan='1' style='width:160.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:160.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Derivative contract</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6pt;' ></td><td colspan='7' rowspan='1' style='width:160.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:160.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Hedged item</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:64.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net hedge</font></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;text-align:left;border-color:Black;min-width:72pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Amount</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:64.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Amount</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:64.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:64.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;ineffectiveness</font></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Derivative relationship</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Income Statement Line Item</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:90pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Income Statement Line Item</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Interest rate contracts</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other expenses&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(170)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(305)</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:90pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other expenses&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >176</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >295</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >6</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(10)</font></td></tr><tr style='height:9.75pt;' ><td style='width:72pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:72pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total return contract</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:90pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other non-interest revenues</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >11</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >(10)</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:90pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:90pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other non-interest revenues</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >(11)</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >10 </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >The Company also recognized a net reduction in interest expense on long-term debt of </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >74</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >million </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >and </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >76</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >million </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >for the three months ended </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >respectively, and </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >217</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > million and </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >280</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > million for the </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, respectively, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >primarily related to the net settlements (interest accruals) on the Company&#8217;s interest rate derivatives designated as fair value hedges.</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' >Net Investment Hedges</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >The effective</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > portion of the gain or (loss) on net investment hedges, net of taxes, recorded in AOCI as part of the cu</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >mulative translation adjustment</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > was </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >246</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > million and </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >(123)</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >million for the three months ended </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > respectively, and was </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >113</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > million and </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >160</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > million for the nine months ended </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, respectively. </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >Any ineffective portion of the gain or </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >(</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >loss</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >)</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > on net investmen</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >t hedges is recognized in o</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >ther</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > expenses d</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >uring the period of change</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >. </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >During the three months ended </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, the Company reclassified </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >(1)</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > million and nil, respectively, and </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >9</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > million and nil for the nine months ended September 30, 2014 and 2013, respectively, from AOCI to earnings as a component of o</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >ther expenses. No ineffectiveness associated with net investment hedges was reclassified from AOCI into income during the </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >three and nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' >Derivatives Not Designated as Hedges</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >For information on derivatives not designated as hedges, refer to Note 12 on page 90 of the Annual Report.</font></p><p style='text-align:justify;line-height:13.8pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >The following table summarizes the impact </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >on pretax earnings </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >of derivatives not designated as hedges</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, as </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >reported</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > on the Consolidated Statements of Income</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > for the </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >three and nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:119.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:119.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:115.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:115.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='11' rowspan='1' style='width:226.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:226.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Pretax gains</font></td></tr><tr style='height:12pt;' ><td style='width:119.25pt;text-align:left;border-color:Black;min-width:119.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:115.5pt;text-align:center;border-color:Black;min-width:115.5pt;' ></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:109.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:109.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >For the Three Months Ended</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:109.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:109.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >For the Nine Months Ended</font></td></tr><tr style='height:12pt;' ><td style='width:119.25pt;text-align:left;border-color:Black;min-width:119.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:115.5pt;text-align:center;border-color:Black;min-width:115.5pt;' ></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:109.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:109.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >September 30,</font></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:109.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:109.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >September 30,</font></td></tr><tr style='height:12pt;' ><td style='width:119.25pt;text-align:left;border-color:Black;min-width:119.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:115.5pt;text-align:left;border-color:Black;min-width:115.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='5' rowspan='1' style='width:109.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:109.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Amount</font></td><td style='width:7.5pt;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:109.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:109.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Amount</font></td></tr><tr style='height:12pt;' ><td style='width:119.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:119.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Description </font><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:115.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:115.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Income Statement Line Item</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2013</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2013</font></td></tr><tr style='height:12pt;' ><td style='width:119.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:119.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Interest rate contracts</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:115.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:115.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Other expenses</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >1</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >1</font></td></tr><tr style='height:12pt;' ><td style='width:119.25pt;text-align:left;border-color:Black;min-width:119.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Foreign exchange contracts</font><font style='font-family:Times New Roman;font-size:4pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:115.5pt;text-align:left;border-color:Black;min-width:115.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Other expenses</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 25 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >84</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 108 </font></td></tr><tr style='height:12pt;' ><td style='width:119.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:119.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:115.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:115.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Cost of Card Member services </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >4</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td></tr><tr style='height:10.5pt;' ><td style='width:119.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:119.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:115.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:115.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >26</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >88</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >109</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;line-height:12pt;' ></p><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Foreign exchange contracts include forwards and embedded foreign currency derivatives</font><font style='font-family:Times New Roman;font-size:8pt;' >. </font></li></ul></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for derivative instruments and hedging activities including, but not limited to, risk management strategies, non-hedging derivative instruments, assets, liabilities, revenue and expenses, and methodologies and assumptions used in determining the amounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7668309&amp;loc=d3e80748-113994<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41635-113959<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4K<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5708775-113959<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 25<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6886632&amp;loc=d3e76258-113986<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5618551-113959<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6441202&amp;loc=d3e80720-113993<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(n))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624258-113959<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624163-113959<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4E<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624181-113959<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4J<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5708773-113959<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7668309&amp;loc=d3e80784-113994<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41620-113959<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4D<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624177-113959<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5579245-113959<br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5580258-113959<br><br><br><br>Reference 17: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5579240-113959<br><br><br><br>Reference 18: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41641-113959<br><br><br><br>Reference 19: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41638-113959<br><br><br><br>Reference 20: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4C<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624171-113959<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>68
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ENGAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Document and Entity Information<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
        <th class="th" colspan="1"></th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Oct. 17, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DocumentAndEntityInformationAbstract', window );"><strong>Document and Entity Information [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
        <td class="text">AMERICAN EXPRESS COMPANY<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
        <td class="text">0000004962<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
        <td class="text">10-Q<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
        <td class="text">Sep. 30,
				 2014<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
        <td class="text">false<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentFiscalYearFocus', window );">Document Fiscal Year Focus</a></td>
        <td class="text">2014<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentFiscalPeriodFocus', window );">Document Fiscal Period Focus</a></td>
        <td class="text">Q3<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
        <td class="text">--12-31<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityWellKnownSeasonedIssuer', window );">Entity Well-known Seasoned Issuer</a></td>
        <td class="text">Yes<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityVoluntaryFilers', window );">Entity Voluntary Filers</a></td>
        <td class="text">No<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCurrentReportingStatus', window );">Entity Current Reporting Status</a></td>
        <td class="text">Yes<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFilerCategory', window );">Entity Filer Category</a></td>
        <td class="text">Large Accelerated Filer<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCommonStockSharesOutstanding', window );">Entity Common Stock, Shares Outstanding</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,034,676,513<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_DocumentAndEntityInformationAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_DocumentAndEntityInformationAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>If the value is true, then the document is an amendment to previously-filed/accepted document.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_AmendmentFlag</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:booleanItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CurrentFiscalYearEndDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>End date of current fiscal year in the format --MM-DD.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_CurrentFiscalYearEndDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:gMonthDayItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFiscalPeriodFocus">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This is focus fiscal period of the document report. For a first quarter 2006 quarterly report, which may also provide financial information from prior periods, the first fiscal quarter should be given as the fiscal period focus. Values: FY, Q1, Q2, Q3, Q4, H1, H2, M9, T1, T2, T3, M8, CY.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_DocumentFiscalPeriodFocus</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:fiscalPeriodItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFiscalYearFocus">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This is focus fiscal year of the document report in CCYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_DocumentFiscalYearFocus</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:gYearItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_DocumentPeriodEndDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:dateItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word "Other".</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_DocumentType</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:submissionTypeItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation 12B<br><br> -Number 240<br><br> -Section 12b<br><br> -Subsection 1<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityCentralIndexKey</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:centralIndexKeyItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCommonStockSharesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityCommonStockSharesOutstanding</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCurrentReportingStatus">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate "Yes" or "No" whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityCurrentReportingStatus</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:yesNoItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFilerCategory">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate whether the registrant is one of the following: (1) Large Accelerated Filer, (2) Accelerated Filer, (3) Non-accelerated Filer, (4) Smaller Reporting Company (Non-accelerated) or (5) Smaller Reporting Accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityFilerCategory</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:filerCategoryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation 12B<br><br> -Number 240<br><br> -Section 12b<br><br> -Subsection 1<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityRegistrantName</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:normalizedStringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityVoluntaryFilers">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate "Yes" or "No" if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityVoluntaryFilers</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:yesNoItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityWellKnownSeasonedIssuer">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate "Yes" or "No" if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityWellKnownSeasonedIssuer</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:yesNoItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>69
<FILENAME>R18.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Fair Values<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresAbstract', window );"><strong>Fair Value (Disclosures) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresTextBlock', window );">Fair Values</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:4.5pt;margin-bottom:0pt;line-height:11.5pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-14.4pt;' >9</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >.  </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >Fair Values</font></p><p style='text-align:justify;margin-top:9pt;margin-bottom:0pt;line-height:11.5pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' >Financial Assets and Financial Liabilities Carried at Fair Value </font></p><p style='text-align:justify;margin-top:9pt;margin-bottom:0pt;line-height:11.5pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >For </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >information about the </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >Company&#8217;s valuation </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >techniques</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > for</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > financial</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > assets and </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >financial </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >liabilities measured at fair value and the fair value </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >hierarchy, refer to Note 3 on pages 68 &#8211; 70 </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >of </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >the Annual Report. </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >Refer to</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > Note 12 on pages </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >87</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > &#8211; 90</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > of the Annual Report for additional information about the fair value of the Company&#8217;s derivative financial instruments.</font></p><p style='text-align:justify;line-height:11.5pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >The following table summarizes the Company&#8217;s financial assets and financial liabilities measured at fair value on a recurring basis, categorized by GAAP&#8217;s valuation hierarchy, as of </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >December 31</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:89.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:89.25pt;' ></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='11' rowspan='1' style='width:174pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:174pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='11' rowspan='1' style='width:174pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:174pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:104.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level&#160;1</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level 2</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level 3</font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level&#160;1</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level 2</font></td><td style='width:9pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:36.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level 3</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Assets:</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:104.25pt;text-align:left;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Investment securities:</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:96.75pt;text-align:left;border-color:Black;min-width:96.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Equity securities</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 124 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 124 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:96.75pt;text-align:left;border-color:Black;min-width:96.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Debt securities and other</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 4,749 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 349 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 4,400 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 4,892 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 320 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 4,572 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:104.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Derivatives</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 822 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 822 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 701 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 701 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total assets</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 5,572 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 350 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 5,222 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 5,717 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 444 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 5,273 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Liabilities:</font></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:104.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Derivatives</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:9pt;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 246 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 246 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 213 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 213 </font></td><td style='width:9pt;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:28.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total liabilities</font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;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;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 246 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</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;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 246 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</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;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 213 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:28.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</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;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 213 </font></td><td style='width:9pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:9pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;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;border-color:Black;min-width:28.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;line-height:12pt;' ></p><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Refer to Note </font><font style='font-family:Times New Roman;font-size:8pt;' >5 </font><font style='font-family:Times New Roman;font-size:8pt;' >for </font><font style='font-family:Times New Roman;font-size:8pt;' >the fair values of investment securities and to Note 8 for the fair values of derivative assets and liabilities, on a further disaggregated basis</font><font style='font-family:Times New Roman;font-size:8pt;' >.</font><font style='font-family:Times New Roman;font-size:8pt;' > </font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;' >Financial Assets and Financial Liabilities Carried at Other Than Fair Value</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >For </font><font style='font-family:Times New Roman;font-size:11pt;' >information about the valuation techniques used in the measurement of financial assets and financial liabilities carried at other than fair value, refer to Note 3 on pages 70 &#8211; 71 of the Annual Report. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table discloses the estimated fair </font><font style='font-family:Times New Roman;font-size:11pt;' >value for the Company&#8217;s financial assets and financial liabilities that are not </font><font style='font-family:Times New Roman;font-size:11pt;' >required to be </font><font style='font-family:Times New Roman;font-size:11pt;' >carried at fair value</font><font style='font-family:Times New Roman;font-size:11pt;' > on a recurring basis</font><font style='font-family:Times New Roman;font-size:11pt;' >, as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >. </font><font style='font-family:Times New Roman;font-size:11pt;' >The fair values of these financial instruments are estimates based </font><font style='font-family:Times New Roman;font-size:11pt;' >upon the market conditions and perceived risks as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >, and require management judgment. These figures may not be indicative of their future fair values. The fair value of the Company cannot be reliably estimated by</font><font style='font-family:Times New Roman;font-size:11pt;' > aggregating the amounts presented.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:176.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Carrying</font></td><td colspan='1' rowspan='2' style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td colspan='10' rowspan='1' style='width:202.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Corresponding Fair Value Amount</font></td></tr><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:195pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:195pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2014 </font><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' >(Billions)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Value</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level 1</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level 2</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level 3</font></td></tr><tr style='height:8.25pt;' ><td colspan='4' rowspan='1' style='width:195pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:195pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Financial Assets:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Financial assets for which carrying values </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >equal or approximate fair value</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Cash and cash equivalents</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 21 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 21 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 20 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Other financial assets</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 48 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 48 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 48 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td></tr><tr style='height:11.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Financial assets carried at other than fair value</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Loans, net</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 66 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 66 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(c)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 66 </font></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td colspan='4' rowspan='1' style='width:195pt;text-align:left;border-color:Black;min-width:195pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Financial Liabilities:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Financial liabilities for which carrying values </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >equal or approximate fair value</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 60 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 60 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 60 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Financial liabilities carried at other than</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > fair value</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Certificates of deposit</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(d)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 7 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 7 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 7 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:176.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Long-term debt</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 56 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 58 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(c)</font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 58 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$ </font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td style='width:3.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:176.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:176.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Carrying</font></td><td colspan='1' rowspan='2' style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td colspan='10' rowspan='1' style='width:202.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:202.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Corresponding Fair Value Amount</font></td></tr><tr style='height:8.25pt;' ><td colspan='4' rowspan='1' style='width:195pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:195pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2013 </font><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' >(Billions)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Value</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level 1</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level 2</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Level 3</font></td></tr><tr style='height:9.75pt;' ><td colspan='4' rowspan='1' style='width:195pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:195pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Financial Assets:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Financial assets for which carrying values </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >equal or approximate fair value</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Cash and cash equivalents</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 19 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 19 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 17 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 2 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Other financial assets</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 48 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 48 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 48 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Financial assets carried at other than fair value</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:12pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Loans, net</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 67 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 67 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(c)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 67 </font></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td colspan='4' rowspan='1' style='width:195pt;text-align:left;border-color:Black;min-width:195pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Financial Liabilities:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Financial liabilities for which carrying values</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >equal or approximate fair value</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 60 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 60 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 60 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='3' rowspan='1' style='width:191.25pt;text-align:left;border-color:Black;min-width:191.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Financial liabilities carried at other than </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:183.75pt;text-align:left;border-color:Black;min-width:183.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >fair value</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:left;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;text-align:left;border-color:Black;min-width:176.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Certificates of deposit</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(d)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 7 </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 8 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 8 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:8.25pt;' ><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:176.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:176.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Long-term debt</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 55 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 58 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(c)</font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 58 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$ </font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times;font-size:8pt;' >Reflects time deposits.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Includes accounts receivable (including fair values of Card Member receivables of </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >6.2</font><font style='font-family:Times New Roman;font-size:8pt;' > billion and </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >7.3</font><font style='font-family:Times New Roman;font-size:8pt;' > billion held by consolidated VIEs as of </font><font style='font-family:Times New Roman;font-size:8pt;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;' >, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, respectively),</font><font style='font-family:Times New Roman;font-size:8pt;' > restricted cash and other miscellaneous assets.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Includes fair values of loans of </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >28.1</font><font style='font-family:Times New Roman;font-size:8pt;' > billion and </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >31.0</font><font style='font-family:Times New Roman;font-size:8pt;' > billion, and long-term debt of </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >15.6</font><font style='font-family:Times New Roman;font-size:8pt;' > billion and </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >18.8</font><font style='font-family:Times New Roman;font-size:8pt;' > billion held by consolidated VIEs as of </font><font style='font-family:Times New Roman;font-size:8pt;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;' >,</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and Dec</font><font style='font-family:Times New Roman;font-size:8pt;' >ember 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, respectively.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Presented as a component of customer deposits on the Consolidated Balance Sheets. </font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;' >Nonrecurring Fair Value Measurements</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The Company has certain assets that are subject to measurement at fair value on a nonrecurring</font><font style='font-family:Times New Roman;font-size:11pt;' > basis. For these assets, measurement at fair value in periods subsequent to their initial recognition is applicable if determined to be impaired. </font><font style='font-family:Times New Roman;font-size:11pt;' >During the </font><font style='font-family:Times New Roman;font-size:11pt;' >nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and during the year ended December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >, the Company did not h</font><font style='font-family:Times New Roman;font-size:11pt;' >ave any material impaired assets that were required to be measured at fair value.</font></p></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueDisclosuresAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FairValueDisclosuresAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueDisclosuresTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 21<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13537-108611<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13433-108611<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957238&amp;loc=d3e14064-108612<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25499696&amp;loc=d3e19207-110258<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 30<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957238&amp;loc=d3e14172-108612<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 16<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13504-108611<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FairValueDisclosuresTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>70
<FILENAME>R80.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EJMAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Non-Interest Revenue and Expense Detail (Details 3) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="1">6 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract', window );"><strong>Details Of Certain Statements Of Income Lines Details [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ProfessionalServices', window );">Professional services</a></td>
        <td class="nump">$ 731,000,000<span></span></td>
        <td class="nump">$ 793,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 2,240,000,000<span></span></td>
        <td class="nump">$ 2,272,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OccupancyNet', window );">Occupancy and equipment</a></td>
        <td class="nump">432,000,000<span></span></td>
        <td class="nump">462,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,361,000,000<span></span></td>
        <td class="nump">1,394,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_CardRelatedFraudLosses', window );">Card-Related Fraud Losses</a></td>
        <td class="nump">96,000,000<span></span></td>
        <td class="nump">73,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">282,000,000<span></span></td>
        <td class="nump">229,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_Communications', window );">Communications</a></td>
        <td class="nump">91,000,000<span></span></td>
        <td class="nump">94,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">285,000,000<span></span></td>
        <td class="nump">282,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DeconsolidationGainOrLossAmountBeforeTax', window );">Gain on business travel joint venture transaction</a></td>
        <td class="num">(15,000,000)<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="num">(626,000,000)<span></span></td>
        <td class="num">(641,000,000)<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherNetExpenses', window );">Other net expenses</a></td>
        <td class="nump">261,000,000<span></span></td>
        <td class="nump">269,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">866,000,000<span></span></td>
        <td class="nump">734,000,000<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherNoninterestExpense', window );">Total other, net expense</a></td>
        <td class="nump">$ 1,596,000,000<span></span></td>
        <td class="nump">$ 1,691,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 4,393,000,000<span></span></td>
        <td class="nump">$ 4,911,000,000<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_CardRelatedFraudLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This represents expenses incurred with respect to card-related fraud losses</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_CardRelatedFraudLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_Communications">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of communications and data processing expenses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_Communications</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_DeconsolidationGainOrLossAmountBeforeTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Gain on business travel joint venture, before tax</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_DeconsolidationGainOrLossAmountBeforeTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_DetailsOfCertainStatementsOfIncomeLinesDetailsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_OtherNetExpenses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents other, net expenses from miscellaneous items within other revenues not previously classified.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_OtherNetExpenses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_ProfessionalServices">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of professional services fees and other processing expenses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_ProfessionalServices</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OccupancyNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of net occupancy expense that may include items, such as depreciation of facilities and equipment, lease expenses, property taxes and property and casualty insurance expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6455398&amp;loc=d3e45280-112737<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14(b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OccupancyNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherNoninterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Other noninterest expenses that are not separately presented in any other noninterest expense category.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherNoninterestExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>71
<FILENAME>R4.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ESGAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Consolidated Statements of Comprehensive Income (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract', window );"><strong>Consolidated Statements of Comprehensive Income [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">$ 1,477<span></span></td>
        <td class="nump">$ 1,366<span></span></td>
        <td class="nump">$ 4,438<span></span></td>
        <td class="nump">$ 4,051<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract', window );"><strong>Other comprehensive (loss) income:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent', window );">Net unrealized securities (losses) gains, net of tax</a></td>
        <td class="num">(11)<span></span></td>
        <td class="num">(48)<span></span></td>
        <td class="nump">31<span></span></td>
        <td class="num">(210)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent', window );">Foreign currency translation adjustments, net of tax</a></td>
        <td class="num">(167)<span></span></td>
        <td class="nump">11<span></span></td>
        <td class="num">(195)<span></span></td>
        <td class="num">(262)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent', window );">Net unrealized pension and other postretirement benefit gains, net of tax</a></td>
        <td class="nump">7<span></span></td>
        <td class="nump">6<span></span></td>
        <td class="nump">48<span></span></td>
        <td class="nump">60<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTax', window );">Other comprehensive (loss) income</a></td>
        <td class="num">(171)<span></span></td>
        <td class="num">(31)<span></span></td>
        <td class="num">(116)<span></span></td>
        <td class="num">(412)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTax', window );">Comprehensive income</a></td>
        <td class="nump">$ 1,306<span></span></td>
        <td class="nump">$ 1,335<span></span></td>
        <td class="nump">$ 4,322<span></span></td>
        <td class="nump">$ 3,639<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComprehensiveIncomeNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=16317811<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e557-108580<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ComprehensiveIncomeNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e565-108580<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax and reclassification adjustments, of appreciation (loss) in value of unsold available-for-sale securities, attributable to parent entity. Excludes amounts related to other than temporary impairment (OTTI) loss.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax and reclassification adjustments, of (increase) decrease in accumulated other comprehensive (income) loss related to pension and other postretirement defined benefit plans, attributable to parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPortionAttributableToParent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax and reclassification adjustments of gain (loss) on foreign currency translation adjustments, foreign currency transactions designated and effective as economic hedges of a net investment in a foreign entity and intra-entity foreign currency transactions that are of a long-term-investment nature, attributable to parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax and reclassification adjustments of other comprehensive income (loss).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669619-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>72
<FILENAME>R12.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Accounts Receivable and Loans<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LoansNotesTradeAndOtherReceivablesDisclosureAbstract', window );"><strong>Loans Notes Trade And Other Receivables Disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablesTextBlock', window );">Accounts Receivable and Loans</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-16.55pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' >3</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' >.</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' >Accounts </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' >Receivable</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' > and Loans</font></p><p style='text-align:justify;margin-top:9pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >T</font><font style='font-family:Times New Roman;font-size:11pt;' >he Company&#8217;s charge and lending payment card products result in the generation of </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > receivables and </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > loans, respectively. </font><font style='font-family:Times New Roman;font-size:11pt;' >For information on the Company&#8217;s</font><font style='font-family:Times New Roman;font-size:11pt;' > accounts receivable and loans and the related</font><font style='font-family:Times New Roman;font-size:11pt;' > accounting policies, refer to </font><font style='font-family:Times New Roman;font-size:11pt;' >Note 4 on pages 7</font><font style='font-family:Times New Roman;font-size:11pt;' >2</font><font style='font-family:Times New Roman;font-size:11pt;' > &#8211; </font><font style='font-family:Times New Roman;font-size:11pt;' >76</font><font style='font-family:Times New Roman;font-size:11pt;' > of the Annual Report.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >Accounts receivable </font><font style='font-family:Times New Roman;font-size:11pt;' >by segment </font><font style='font-family:Times New Roman;font-size:11pt;' >as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' > consisted of</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:15.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:15.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:12.75pt;' ><td style='width:311.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S. Card Services</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >21,253</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >21,842</font></td></tr><tr style='height:12.75pt;' ><td style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >International Card Services</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >7,273</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >7,771</font></td></tr><tr style='height:12.75pt;' ><td style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Global Commercial Services</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >16,440</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >14,391</font></td></tr><tr style='height:12.75pt;' ><td style='width:311.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Global Network&#160;&amp; Merchant Services</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(c)</font></sup></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >151</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >159</font></td></tr><tr style='height:12.75pt;' ><td style='width:311.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member receivables</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(d)</font></sup></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >45,117</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >44,163</font></td></tr><tr style='height:12.75pt;' ><td style='width:311.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Less: Reserve for losses</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >432</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >386</font></td></tr><tr style='height:12.75pt;' ><td style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member receivables, net</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >44,685</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >43,777</font></td></tr><tr style='height:12.75pt;' ><td style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other receivables, net</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(e)</font></sup></td><td style='width:15.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2,631</font></td><td style='width:15.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3,408</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Includes </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6.3</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > b</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >illion and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >7.3</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >billion of gross </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > receivables available to settle obligations of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >a </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >consolidated </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >variable interest entity (VIE) as of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, respectively.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Includes</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >672</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > m</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >illion and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >836</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million due from airlines, of which Delta Air Lines (Delta) comprises </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >642</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >628</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million as of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and December </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, respectively.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Includes receivables primarily related to the </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Company&#8217;s International Currency Card portfolios.</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Includes approximately </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >13.5</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > billion</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >13.8</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > billion</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > receivables</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > outside the U.S. as of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, respectively</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other receivables primarily </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >represent amounts</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > related to (</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >i</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >) certain merchants for billed discount revenue and</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(ii) </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Global Network Services (</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >GNS</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >)</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > partner banks for items such as royalty and franchise fees</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >. Additionally, for </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > only, the balance also included purchased GNS </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >joint venture receivables. </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other rec</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >eivables are presented net of reserves for losses of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >44</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >71</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million as of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, respectively.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >
</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >Loans as of </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > consisted of:</font><font style='font-family:Times New Roman;font-size:11pt;' > </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:336.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:12pt;' ><td style='width:336.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S. Card Services</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >58,012</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >58,395</font></td></tr><tr style='height:12pt;' ><td style='width:336.75pt;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >International Card Services</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >7,999</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8,790</font></td></tr><tr style='height:12pt;' ><td style='width:336.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Global Commercial Services</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >46</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >53</font></td></tr><tr style='height:12pt;' ><td style='width:336.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member loans</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >66,057</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >67,238</font></td></tr><tr style='height:12pt;' ><td style='width:336.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Less: Reserve for losses</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,146</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,261</font></td></tr><tr style='height:12pt;' ><td style='width:336.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member loans, net</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >64,911</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >65,977</font></td></tr><tr style='height:12pt;' ><td style='width:336.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other loans, net</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >855</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >608</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >I</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ncludes approximately $</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >28.3</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;billion </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >and $</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >31.2</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >billion </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >of gross </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > loans</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > available</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >to settle obligations </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >o</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >f </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >a </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >consolidated </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >VIE</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > as of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, respectively</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other loans primarily represent </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >loans to merchants and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >a store card </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >loan </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >portfolio</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > Other loans </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >are</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >presented net of reserves for losses of $</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >11</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >13</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >as of</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, respectively</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font></li></ul><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' > Loans and </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' > Receivables A</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' >ging</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >Generally</font><font style='font-family:Times New Roman;font-size:11pt;' >,</font><font style='font-family:Times New Roman;font-size:11pt;' > a </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > account </font><font style='font-family:Times New Roman;font-size:11pt;' >is considered</font><font style='font-family:Times New Roman;font-size:11pt;' > past due if payment is not received within 30 days af</font><font style='font-family:Times New Roman;font-size:11pt;' >ter the billing statement date. </font><font style='font-family:Times New Roman;font-size:11pt;' >T</font><font style='font-family:Times New Roman;font-size:11pt;' >he </font><font style='font-family:Times New Roman;font-size:11pt;' >following table presents the aging of </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > loans and receivables as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:180pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >30-59</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >60-89</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >90+</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Days</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Days</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Days</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Past</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Past</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Past</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></sup><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Current</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Card Member Loans:</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >  U.S. Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >57,447 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >175 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >121 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >269 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >58,012 </font></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >  International Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >7,869 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >41 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >29 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >60 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >7,999 </font></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >  U.S. Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >20,907 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >125 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >74 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >147 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >21,253 </font></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >  International Card Services</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >7,174 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >30 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >22 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >47 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >7,273 </font></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >  Global Commercial Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(b)</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(b)</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(b)</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >125 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >16,440 </font></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:180pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:180pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >30-59</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >60-89</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >90+</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Days</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Days</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Days</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Past</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Past</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Past</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></sup><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Current</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Card Member Loans:</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >  U.S. Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >57,772 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >183 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >134 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >306 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >58,395 </font></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >  International Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8,664 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >43 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >28 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >55 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8,790 </font></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >  U.S. Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >21,488 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >125 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >69 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >160 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >21,842 </font></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >  International Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >83 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >7,771 </font></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >  Global Commercial Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >132 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >14,391 </font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Beginning in first quarter </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' >, as a result of system enhancements, delinquency data </font><font style='font-family:Times New Roman;font-size:8pt;' >is now available and presented on a prospective basis for the indicated aging categories. Comparable data for prior periods is not available. F</font><font style='font-family:Times New Roman;font-size:8pt;' >or </font><font style='font-family:Times New Roman;font-size:8pt;' >risk management purposes, the Company has historically utilized 90 days past billing for the </font><font style='font-family:Times New Roman;font-size:8pt;' >International Card Services (ICS) </font><font style='font-family:Times New Roman;font-size:8pt;' >segment, as described below in (b). </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Delinquency data</font><font style='font-family:Times New Roman;font-size:8pt;' > for periods </font><font style='font-family:Times New Roman;font-size:8pt;' >other than</font><font style='font-family:Times New Roman;font-size:8pt;' > 90 days past billing </font><font style='font-family:Times New Roman;font-size:8pt;' >is</font><font style='font-family:Times New Roman;font-size:8pt;' > not available due to system</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >constraints. Therefore, such data has </font><font style='font-family:Times New Roman;font-size:8pt;' >not been utilized for risk management purposes. The balances that are current to 89 days past due can be derived as the difference between the Total and the 90+ Days Past Due balances. For Card Member receivables in </font><font style='font-family:Times New Roman;font-size:8pt;' >GC</font><font style='font-family:Times New Roman;font-size:8pt;' >S</font><font style='font-family:Times New Roman;font-size:8pt;' > as of </font><font style='font-family:Times New Roman;font-size:8pt;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;' >, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >and ICS and GCS as of </font><font style='font-family:Times New Roman;font-size:8pt;' >December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, delinquency data is tracked based on days past billing status rather than days past due. A Card Member account is considered 90 days past billing if payment has not been received within </font><font style='font-family:Times New Roman;font-size:8pt;' >90 days of the Card Member&#8217;s billing statement date. In addition, if the Company initiates collection procedures on an account prior to the account becoming 90 days past billing, the associated Card Member receivable balance is </font><font style='font-family:Times New Roman;font-size:8pt;' >classified</font><font style='font-family:Times New Roman;font-size:8pt;' > as 90 days past b</font><font style='font-family:Times New Roman;font-size:8pt;' >illing. These amounts are shown above as 90+ Days Past Due for presentation purposes. </font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' >
</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' >Credit Quality Indicators for </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' >Card Member </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' >Loans and Receivables</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table</font><font style='font-family:Times New Roman;font-size:11pt;' >s</font><font style='font-family:Times New Roman;font-size:11pt;' > prese</font><font style='font-family:Times New Roman;font-size:11pt;' >nt</font><font style='font-family:Times New Roman;font-size:11pt;' > the key credit quality indicators </font><font style='font-family:Times New Roman;font-size:11pt;' >as of or </font><font style='font-family:Times New Roman;font-size:11pt;' >for the </font><font style='font-family:Times New Roman;font-size:11pt;' >nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:124.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:165pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:165pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td colspan='5' rowspan='1' style='width:165pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:165pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2013</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:12pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='3' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Net Write-Off Rate</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td colspan='3' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Net Write-Off Rate</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >30 Days</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >30 Days</font></td><td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Principal,</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Past Due</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Principal,</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Past Due</font></td><td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Principal</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Interest, &amp;</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >as a % of</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Principal</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Interest, &amp;</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > as a % of</font></td><td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9pt;' ><td style='width:124.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Only</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Fees</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Only</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Fees</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font></td><td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:10.5pt;' ><td style='width:124.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:124.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Card Member Loans:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:10.5pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   U.S. Card Services</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >1.6</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >1.8</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >1.0</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >1.9</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2.1</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >1.1</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td></tr><tr style='height:10.5pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   International Card Services</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2.0</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2.4</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >1.6</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >1.9</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2.3</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >1.5</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td></tr><tr style='height:10.5pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:10.5pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   U.S. Card Services</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >1.7</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >1.9</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >1.6</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >1.8</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >1.9</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >1.7</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td></tr><tr style='height:10.5pt;' ><td style='width:124.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:124.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   International Card Services</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2.0</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2.1</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >1.4</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(c)</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(c)</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(c)</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:10.5pt;' ><td style='width:124.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:10.5pt;' ><td style='width:124.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td colspan='3' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td colspan='3' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2013</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:17.25pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Net Loss</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Net Loss</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:10.5pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Ratio as</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >90 Days</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Ratio as</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >90 Days</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >a % of</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Past Billing</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >a % of</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Past Billing</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Charge</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >as a % of</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Charge</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >as a % of</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9pt;' ><td style='width:124.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Volume</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Receivables</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Volume</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Receivables</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:10.5pt;' ><td colspan='5' rowspan='1' style='width:242.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:242.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='6' rowspan='1' style='width:252.75pt;text-align:left;border-color:Black;min-width:252.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   International Card Services</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >(c)</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >(c)</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >0.20</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >1.1</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td></tr><tr style='height:11.25pt;' ><td colspan='6' rowspan='1' style='width:252.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:252.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   Global Commercial Services</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >0.09</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >0.8</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >0.07</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >0.8</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >The Company presents a net write-off rate based</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > on principal losses only (i.e.,</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > excluding interest and/or fees) to be consistent with industry convention. </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >In addition, because the Company considers </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >uncollectible interest and/or fees </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >in estimating </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >its </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >reserves </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >for </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >credit </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >losses, a net write-off rate including principal, interest and/or fees is also presented.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Beginning in</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, write-offs for certain installment loan products have been reclassified from C</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ard </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >M</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ember r</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >eceivable</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >s</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > to C</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ard </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >M</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ember</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >loans</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > P</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >rior period write-offs have not been reclassified. </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Historically,</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > net loss ratio as a % of charge volume and 90 days past billings as a % of receivables were presented. Beginning in first quarter</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >as a result of system enhancements, 30 days past d</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ue as a % of total, Net write-off rate (principal only) and Net write-off rate (principal and fees) have been presented. </font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >Refer to</font><font style='font-family:Times New Roman;font-size:11pt;' > Note </font><font style='font-family:Times New Roman;font-size:11pt;' >5 on pages </font><font style='font-family:Times New Roman;font-size:11pt;' >77 &#8211; 78 </font><font style='font-family:Times New Roman;font-size:11pt;' >of the Annual Report</font><font style='font-family:Times New Roman;font-size:11pt;' > for additional indicators</font><font style='font-family:Times New Roman;font-size:11pt;' >, including external environmental </font><font style='font-family:Times New Roman;font-size:11pt;' >qualitative </font><font style='font-family:Times New Roman;font-size:11pt;' >factors,</font><font style='font-family:Times New Roman;font-size:11pt;' > management considers </font><font style='font-family:Times New Roman;font-size:11pt;' >in its </font><font style='font-family:Times New Roman;font-size:11pt;' >evaluation process for reserves for losses.</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:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' >Impaired Card Member Loans and R</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' >eceivables</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >Impaired loans and receivables are </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >individual larger balance or homogeneous pools of smaller balance loans and r</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >eceivables for which it is probable that the Company will be unable to collect all amounts due according to the original contractual terms of the </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >Card Member agreement. For</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > information on impaired Ca</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >rd Member loans and receivables and the related </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >accounting policies</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, refer </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >to </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >Note 4 on </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >pages 7</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >4 &#8211; 76 </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >of the Annual Report.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >
</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table</font><font style='font-family:Times New Roman;font-size:11pt;' > provide</font><font style='font-family:Times New Roman;font-size:11pt;' >s</font><font style='font-family:Times New Roman;font-size:11pt;' > additional information with respect to the Company&#8217;s impaired </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > loans</font><font style='font-family:Times New Roman;font-size:11pt;' >, which are not significant for GCS,</font><font style='font-family:Times New Roman;font-size:11pt;' > and </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member </font><font style='font-family:Times New Roman;font-size:11pt;' >receivables</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >which are not significant for ICS and GCS,</font><font style='font-family:Times New Roman;font-size:11pt;' > as of</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >,</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and </font><font style='font-family:Times New Roman;font-size:11pt;' >December 31,</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:118.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Loans over</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:108.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:108.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >90 Days</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Loans &amp;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:108.75pt;text-align:center;border-color:Black;min-width:108.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Past Due</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Non-</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Receivables</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Impaired</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Unpaid</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&amp; Accruing</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Accrual</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Modified</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Loans &amp;</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Principal</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Allowance</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Interest</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(b)</font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >as a TDR</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(c)</font></sup></td><td colspan='2' rowspan='1' style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Receivables</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Balance</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(d)</font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >for TDRs</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(e)</font></sup></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Card Member Loans:</font><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   U.S. Card Services</font><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 160 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 188 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 309 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 657 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 594 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 70 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   International Card Services</font><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 60 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 60 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 59 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   U.S. Card Services</font><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 44 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 44 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 43 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 32 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 220 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</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;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 188 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 353 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</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;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 761 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 696 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</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;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 102 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Loans over</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:108.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:108.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >90 Days</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Loans &amp;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:108.75pt;text-align:center;border-color:Black;min-width:108.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Past Due</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Non-</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Receivables</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Impaired</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Unpaid</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&amp; Accruing</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Accrual</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Modified</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Loans &amp;</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Principal</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Allowance</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Interest</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(b)</font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >as a TDR</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(c)</font></sup></td><td colspan='2' rowspan='1' style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Receivables</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Balance</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(d)</font></sup></td><td colspan='2' rowspan='1' style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >for TDRs</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(e)</font></sup></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Card Member Loans:</font><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   U.S. Card Services</font><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 170 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 244 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 373 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 787 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 731 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 84 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   International Card Services</font><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 54 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 4 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 5 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 63 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 62 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   U.S. Card Services</font><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 50 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 50 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 49 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 38 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 224 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 248 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 428 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 900 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 842 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 122 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The Company&#8217;s policy is generally to accrue inte</font><font style='font-family:Times New Roman;font-size:8pt;' >rest through the date of write</font><font style='font-family:Times New Roman;font-size:8pt;' >-off (</font><font style='font-family:Times New Roman;font-size:8pt;' >i.e., </font><font style='font-family:Times New Roman;font-size:8pt;' >at 180 days past due). The Company establishes reserves for interest that the Company believes will not be collected.</font><font style='font-family:Times New Roman;font-size:8pt;' > Amounts presented exclude loans modified as a </font><font style='font-family:Times New Roman;font-size:8pt;' >troubled debt restructuring (TDR).</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Non-accrual loans not in modification programs include certain </font><font style='font-family:Times New Roman;font-size:8pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:8pt;' > loans placed with outside collection agencies for which the Company has ceased accruing interest.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Total loans and receivables modified as a TDR in</font><font style='font-family:Times New Roman;font-size:8pt;' >clude</font><font style='font-family:Times New Roman;font-size:8pt;' >s</font><font style='font-family:Times New Roman;font-size:8pt;' > $</font><font style='font-family:Times New Roman;font-size:8pt;' >87</font><font style='font-family:Times New Roman;font-size:8pt;' > million and $</font><font style='font-family:Times New Roman;font-size:8pt;' >92</font><font style='font-family:Times New Roman;font-size:8pt;' > million that are non-accrual and $</font><font style='font-family:Times New Roman;font-size:8pt;' >20</font><font style='font-family:Times New Roman;font-size:8pt;' > million </font><font style='font-family:Times New Roman;font-size:8pt;' >and $</font><font style='font-family:Times New Roman;font-size:8pt;' >26</font><font style='font-family:Times New Roman;font-size:8pt;' > million </font><font style='font-family:Times New Roman;font-size:8pt;' >that are past due 90 days and still accruing interest as of</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;' >, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, respectively</font><font style='font-family:Times New Roman;font-size:8pt;' >.  </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Unpaid pri</font><font style='font-family:Times New Roman;font-size:8pt;' >ncipal balance consists of </font><font style='font-family:Times New Roman;font-size:8pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:8pt;' > charges billed and excludes other amounts charged directly by the Company such as interest and fees. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Represents the reserve for losses for TDRs, </font><font style='font-family:Times New Roman;font-size:8pt;' >which are evaluated individually</font><font style='font-family:Times New Roman;font-size:8pt;' > for impairment.  The Company records a</font><font style='font-family:Times New Roman;font-size:8pt;' > reserve for losses for all impaired loans. Refer to </font><font style='font-family:Times New Roman;font-size:8pt;' >Card Member Loans Evaluated Individually</font><font style='font-family:Times New Roman;font-size:8pt;' > and Collectively for Impairment in Note </font><font style='font-family:Times New Roman;font-size:8pt;' >4 </font><font style='font-family:Times New Roman;font-size:8pt;' >for further </font><font style='font-family:Times New Roman;font-size:8pt;' >information regarding </font><font style='font-family:Times New Roman;font-size:8pt;' > the reserve for losses on loans over 90 days past due and accruing interest and non-a</font><font style='font-family:Times New Roman;font-size:8pt;' >ccrual loans, which are evaluated collectively for impairment. </font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:11pt;margin-left:0pt;' >
</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:3pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table</font><font style='font-family:Times New Roman;font-size:11pt;' > provide</font><font style='font-family:Times New Roman;font-size:11pt;' >s</font><font style='font-family:Times New Roman;font-size:11pt;' > information with respect to the Company&#8217;s </font><font style='font-family:Times New Roman;font-size:11pt;' >interest income recognized and average balances of </font><font style='font-family:Times New Roman;font-size:11pt;' >impaired </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > loans</font><font style='font-family:Times New Roman;font-size:11pt;' >, which are not significant for GCS,</font><font style='font-family:Times New Roman;font-size:11pt;' > and </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member </font><font style='font-family:Times New Roman;font-size:11pt;' >receivables</font><font style='font-family:Times New Roman;font-size:11pt;' >, which are not significant for ICS and GCS,</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >for the three and </font><font style='font-family:Times New Roman;font-size:11pt;' >nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:137.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td colspan='5' rowspan='1' style='width:154.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:154.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Three Months Ended</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:15pt;' ></td><td colspan='5' rowspan='1' style='width:154.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:154.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td colspan='5' rowspan='1' style='width:154.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:154.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30, 2014</font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td colspan='5' rowspan='1' style='width:154.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:154.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30, 2014</font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Interest Income</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Average</font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Interest Income</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Average</font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Recognized</font></td><td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance</font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Recognized</font></td><td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance</font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Card Member Loans:</font><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >   U.S. Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 12 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 675 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 37 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 734 </font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >   International Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 4 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 63 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 12 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 63 </font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >   U.S. Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 44 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 47 </font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 16 </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 782 </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 49 </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 844 </font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:58.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td colspan='5' rowspan='1' style='width:154.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:154.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Three Months Ended</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:15pt;' ></td><td colspan='5' rowspan='1' style='width:154.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:154.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td colspan='5' rowspan='1' style='width:154.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:154.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30, 2013</font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td colspan='5' rowspan='1' style='width:154.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:154.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30, 2013</font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Interest Income</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Average</font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Interest Income</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Average</font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Recognized</font></td><td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance</font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Recognized</font></td><td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance</font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Card Member Loans:</font><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >   U.S. Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 11 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 859 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 34 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 982 </font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >   International Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 4 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 66 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 12 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 68 </font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >   U.S. Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213;   </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 62 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213;   </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 89 </font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 15 </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 987 </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 46 </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 1,139 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:12pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;' > Loans and Receivables Modified as TDRs</font></p><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table provides additional information with respect to the </font><font style='font-family:Times New Roman;font-size:11pt;' >U.S. Card Services (USCS) </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > loans and receivables modified as TDRs</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >for</font><font style='font-family:Times New Roman;font-size:11pt;' > the </font><font style='font-family:Times New Roman;font-size:11pt;' >three and </font><font style='font-family:Times New Roman;font-size:11pt;' >nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >. The ICS and GCS Card Member loans and receivables modifications were not</font><font style='font-family:Times New Roman;font-size:11pt;' > significan</font><font style='font-family:Times New Roman;font-size:11pt;' >t.</font><font style='font-family:Times New Roman;font-size:11pt;' > For information on TDRs and the related accounting policies, refer to Note 4 on pages 74 &#8211; 76</font><font style='font-family:Times New Roman;font-size:11pt;' > of the Annual Report</font><font style='font-family:Times New Roman;font-size:11pt;' >.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td style='width:98.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='8' rowspan='1' style='width:181.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Three Months Ended</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td colspan='8' rowspan='1' style='width:181.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:11.25pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='8' rowspan='1' style='width:181.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >September 30, 2014</font></td><td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td colspan='8' rowspan='1' style='width:181.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >September 30, 2014</font></td></tr><tr style='height:11.25pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Average</font></td><td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Average</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Average </font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Payment</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Average</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Payment</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Number of</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Outstanding</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Interest Rate</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Term</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Number of</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Outstanding</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Interest Rate</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Term</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Accounts</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Balances</font><sup><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(a)(b)</font></sup></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Reduction</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Extension</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Accounts</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Balances</font><sup><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(a)(b)</font></sup></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Reduction</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Extension</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(in thousands)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >($ in millions)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(% Points)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(# of Months)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(in thousands)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >($ in millions)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(% Points)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(# of Months)</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:98.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >Troubled Debt Restructurings:</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Card Member Loans</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >11</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >83</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >9</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >(c)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >35</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >261</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >11</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >(c)</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Card Member Receivables</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >4</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >41</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >(c)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >12</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >11</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >129</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >(c)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >12</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Total</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >15</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >124</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >46</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >390</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:98.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='8' rowspan='1' style='width:181.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Three Months Ended</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td colspan='8' rowspan='1' style='width:181.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:11.25pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='8' rowspan='1' style='width:181.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >September 30, 2013</font></td><td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td colspan='8' rowspan='1' style='width:181.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >September 30, 2013</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Average</font></td><td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Average</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Average</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Payment</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Average</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Payment</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Number of</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Outstanding</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Interest Rate</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Term</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Number of</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Outstanding</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Interest Rate</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Term</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Accounts</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Balances</font><sup><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(a)(b)</font></sup></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Reduction</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Extension</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Accounts</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Balances</font><sup><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(a)(b)</font></sup></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Reduction</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Extension</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(in thousands)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >($ in millions)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(% Points)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(# of Months)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(in thousands)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >($ in millions)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(% Points)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(# of Months)</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:98.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >Troubled Debt Restructurings:</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Card Member Loans</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >12 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >91</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >10</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(c)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >47</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >357</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >11</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(c)</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Card Member Receivables</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >4 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >49</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(c)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >12</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >16</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >204</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(c)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >12</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:98.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Total</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >16 </font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >140</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >63</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >561</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:42.75pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Represents the outstanding balance immediately prior to modification. </font><font style='font-family:Times New Roman;font-size:8pt;' >Modifications did not reduce the aggregate principal balances except for the </font><font style='font-family:Times New Roman;font-size:8pt;' >nine months ended</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;' >, </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, where aggregate principal balances were reduced by </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >4</font><font style='font-family:Times New Roman;font-size:8pt;' > million. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The outstanding balance includes principal, fees and accrued interest on Card Member loans and principal and fees on Card Member receivables.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >For Card Member loans, there have been no payment term extensions. The Company does not offer interest rate reduct</font><font style='font-family:Times New Roman;font-size:8pt;' >ion programs for Card Member receivables as the receivables are non-interest </font><font style='font-family:Times New Roman;font-size:8pt;' >bearing. </font></li></ul><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >
</font></p><p style='text-align:justify;margin-top:12pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table provides information </font><font style='font-family:Times New Roman;font-size:11pt;' >for the </font><font style='font-family:Times New Roman;font-size:11pt;' >three and nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >with respect to the </font><font style='font-family:Times New Roman;font-size:11pt;' >USCS Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > loans and receivables modified as TDRs </font><font style='font-family:Times New Roman;font-size:11pt;' >that subsequently defaulted</font><font style='font-family:Times New Roman;font-size:11pt;' > w</font><font style='font-family:Times New Roman;font-size:11pt;' >ithin 12 months of modification.</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >A</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >is considered to have been in default from a modification program after one and up to two consecutive missed payments, depending on the terms of the modification program</font><font style='font-family:Times New Roman;font-size:11pt;' >.</font><font style='font-family:Times New Roman;font-size:11pt;' > For all Card Members that defaulted from a modification program, the probability of default is factored into the reserves for Card Member loans and receivables. The defaulted ICS Card Member loan and receivable modifications were not significant.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td style='width:239.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:111pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:111pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Three Months Ended</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:111pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:111pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:111pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:111pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30, 2014</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:111pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:111pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30, 2014</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Aggregated</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Aggregated</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding </font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balances</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balances</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Accounts in thousands, Dollars in millions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accounts</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Upon Default</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accounts</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Upon Default</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Troubled Debt Restructurings That Subsequently Defaulted:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Loans</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >20</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >6</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >60</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Receivables</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >9</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >27</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >29</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >8</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >87</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:111pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:111pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Three Months Ended</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:111pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:111pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:111pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:111pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30, 2013</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:111pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:111pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30, 2013</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Aggregated</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Aggregated</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding </font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balances</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balances</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Accounts in thousands, Dollars in millions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accounts</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Upon Default</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accounts</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Upon Default</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Troubled Debt Restructurings That Subsequently Defaulted:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Loans</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >37</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >15</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >138</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Receivables</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >8</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >33</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >45</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >18</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >171</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;line-height:12pt;' ></p><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The outstanding balance include</font><font style='font-family:Times New Roman;font-size:8pt;' >s principal</font><font style='font-family:Times New Roman;font-size:8pt;' >, fees </font><font style='font-family:Times New Roman;font-size:8pt;' >and accrued interest</font><font style='font-family:Times New Roman;font-size:8pt;' > on Card Member </font><font style='font-family:Times New Roman;font-size:8pt;' >l</font><font style='font-family:Times New Roman;font-size:8pt;' >oans and principal and fees on Card Member </font><font style='font-family:Times New Roman;font-size:8pt;' >r</font><font style='font-family:Times New Roman;font-size:8pt;' >eceivables.</font></li></ul></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_LoansNotesTradeAndOtherReceivablesDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_LoansNotesTradeAndOtherReceivablesDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for financing receivables. Examples of financing receivables include, but are not limited to, loans, trade accounts receivables, notes receivable, credit cards, and receivables relating to a lessor's right(s) to payment(s) from a lease other than an operating lease that is recognized as assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2196772<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 14<br><br> -URI http://asc.fasb.org/extlink&amp;oid=32702940&amp;loc=SL6953791-111525<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivablesTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>73
<FILENAME>R11.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Divestitures<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_BusinessCombinationDisclosureAbstract', window );"><strong>Business Combination Disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessCombinationDisclosureTextBlock', window );">Divestitures</a></td>
        <td class="text"><div><p style='text-align:left;margin-top:0pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:0pt;' >2. Divestitures</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >On June 30, 2014, the Company completed </font><font style='font-family:Times New Roman;font-size:11pt;' >a transaction to establish a non-consolidated joint venture,</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >GBT JV, comprising the former Global Business Travel (</font><font style='font-family:Times New Roman;font-size:11pt;' >GBT</font><font style='font-family:Times New Roman;font-size:11pt;' >) operations of the Company</font><font style='font-family:Times New Roman;font-size:11pt;' >, historical</font><font style='font-family:Times New Roman;font-size:11pt;' >ly reported within the </font><font style='font-family:Times New Roman;font-size:11pt;' >Global Co</font><font style='font-family:Times New Roman;font-size:11pt;' >mmercial Services (GCS) segment, and an external cash investment.</font><font style='font-family:Times New Roman;font-size:11pt;' > The Company </font><font style='font-family:Times New Roman;font-size:11pt;' >has </font><font style='font-family:Times New Roman;font-size:11pt;' >retained a </font><font style='font-family:Times New Roman;font-size:11pt;' >50</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >percent ownership </font><font style='font-family:Times New Roman;font-size:11pt;' >interest</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >in the GBT JV </font><font style='font-family:Times New Roman;font-size:11pt;' >with an estimated</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >fair value </font><font style='font-family:Times New Roman;font-size:11pt;' >of</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >that interest of </font><font style='font-family:Times New Roman;font-size:11pt;' >approximately $</font><font style='font-family:Times New Roman;font-size:11pt;' >900</font><font style='font-family:Times New Roman;font-size:11pt;' > million, which is account</font><font style='font-family:Times New Roman;font-size:11pt;' >ed for as an equity method investment </font><font style='font-family:Times New Roman;font-size:11pt;' >effective </font><font style='font-family:Times New Roman;font-size:11pt;' >June 30, 2014, </font><font style='font-family:Times New Roman;font-size:11pt;' >and reported in </font><font style='font-family:Times New Roman;font-size:11pt;' >O</font><font style='font-family:Times New Roman;font-size:11pt;' >ther</font><font style='font-family:Times New Roman;font-size:11pt;' > assets</font><font style='font-family:Times New Roman;font-size:11pt;' > within the Consolidated Balance Sheets</font><font style='font-family:Times New Roman;font-size:11pt;' >.&#160;In exchange for </font><font style='font-family:Times New Roman;font-size:11pt;' >the </font><font style='font-family:Times New Roman;font-size:11pt;' >cash con</font><font style='font-family:Times New Roman;font-size:11pt;' >tribution</font><font style='font-family:Times New Roman;font-size:11pt;' > of $</font><font style='font-family:Times New Roman;font-size:11pt;' >900</font><font style='font-family:Times New Roman;font-size:11pt;' > million paid into the </font><font style='font-family:Times New Roman;font-size:11pt;' >GBT JV</font><font style='font-family:Times New Roman;font-size:11pt;' >, a</font><font style='font-family:Times New Roman;font-size:11pt;' >n unrelated</font><font style='font-family:Times New Roman;font-size:11pt;' > investor group holds the </font><font style='font-family:Times New Roman;font-size:11pt;' >remaining </font><font style='font-family:Times New Roman;font-size:11pt;' >50</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >percent </font><font style='font-family:Times New Roman;font-size:11pt;' >ownership interest.&#160;The investor group&#8217;s </font><font style='font-family:Times New Roman;font-size:11pt;' >cash contribution provides the primary basis for the Company&#8217;s</font><font style='font-family:Times New Roman;font-size:11pt;' > determination of the estimated </font><font style='font-family:Times New Roman;font-size:11pt;' >fair value of its </font><font style='font-family:Times New Roman;font-size:11pt;' >50</font><font style='font-family:Times New Roman;font-size:11pt;' > percent</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >ownership interest.</font><font style='font-family:Times New Roman;font-size:11pt;' >&#160; </font></p><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >As a result of the tra</font><font style='font-family:Times New Roman;font-size:11pt;' >nsaction, the Company deconsolidated the GBT </font><font style='font-family:Times New Roman;font-size:11pt;' >net assets </font><font style='font-family:Times New Roman;font-size:11pt;' >and recognized a net gain of $</font><font style='font-family:Times New Roman;font-size:11pt;' >626</font><font style='font-family:Times New Roman;font-size:11pt;' > million ($</font><font style='font-family:Times New Roman;font-size:11pt;' >409</font><font style='font-family:Times New Roman;font-size:11pt;' > million after tax), which </font><font style='font-family:Times New Roman;font-size:11pt;' >was</font><font style='font-family:Times New Roman;font-size:11pt;' > reported as</font><font style='font-family:Times New Roman;font-size:11pt;' > a reduction to o</font><font style='font-family:Times New Roman;font-size:11pt;' >ther expense</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >for t</font><font style='font-family:Times New Roman;font-size:11pt;' >he quarter ended June 30, 2014. </font><font style='font-family:Times New Roman;font-size:11pt;' >Prior to the deconsolidation, the carrying amount of GBT&#8217;s assets and liabilities were not material to the Company&#8217;s financial position.&#160; </font></p><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The </font><font style='font-family:Times New Roman;font-size:11pt;' >GBT JV</font><font style='font-family:Times New Roman;font-size:11pt;' > operate</font><font style='font-family:Times New Roman;font-size:11pt;' >s</font><font style='font-family:Times New Roman;font-size:11pt;' > under the </font><font style='font-family:Times New Roman;font-size:11pt;' >&#8220;</font><font style='font-family:Times New Roman;font-size:11pt;' >American Expres</font><font style='font-family:Times New Roman;font-size:11pt;' >s Global Business Travel&#8221;</font><font style='font-family:Times New Roman;font-size:11pt;' > brand, pursuant to a trademark license agree</font><font style='font-family:Times New Roman;font-size:11pt;' >ment provided by the Company.&#160;The Company has also entered into a </font><font style='font-family:Times New Roman;font-size:11pt;' >transition</font><font style='font-family:Times New Roman;font-size:11pt;' > services agreement and certain other</font><font style='font-family:Times New Roman;font-size:11pt;' > operating agreements with the GBT JV</font><font style='font-family:Times New Roman;font-size:11pt;' >, pursuan</font><font style='font-family:Times New Roman;font-size:11pt;' >t to which the Company and the GBT JV</font><font style='font-family:Times New Roman;font-size:11pt;' > provide one</font><font style='font-family:Times New Roman;font-size:11pt;' > another with certain services and that result i</font><font style='font-family:Times New Roman;font-size:11pt;' >n related-party receivables and payables. There was no material impact to the Company during the current quarter related to the GBT JV&#8217;s results of operations or the related agreements. </font></p></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_BusinessCombinationDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_BusinessCombinationDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for a business combination (or series of individually immaterial business combinations) completed during the period, including background, timing, and recognized assets and liabilities. The disclosure may include leverage buyout transactions (as applicable).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25497992&amp;loc=d3e1383-128463<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7488404&amp;loc=d3e6996-128479<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6910749&amp;loc=d3e4922-128472<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6910749&amp;loc=d3e4934-128472<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6910749&amp;loc=d3e4926-128472<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7488404&amp;loc=d3e7000-128479<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25497992&amp;loc=d3e1392-128463<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25497992&amp;loc=d3e1486-128463<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7488404&amp;loc=d3e6927-128479<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25497992&amp;loc=d3e1497-128463<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25497992&amp;loc=d3e1490-128463<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7488404&amp;loc=d3e7008-128479<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6910749&amp;loc=d3e4845-128472<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25497992&amp;loc=d3e1500-128463<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25497992&amp;loc=d3e1524-128463<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_BusinessCombinationDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>74
<FILENAME>R23.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Non-Interest Revenue and Expense Detail<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherIncomeAndOtherExpenseDisclosureAbstract', window );"><strong>Other Income And Other Expense Disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherIncomeAndOtherExpenseDisclosureTextBlock', window );">Details of Certain Consolidated Statements of Income Lines</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-20.15pt;' >14</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >.</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' > </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' > </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >Non-Interest Revenue and E</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >xpense</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' > Detail</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' > </font></p><p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following is a deta</font><font style='font-family:Times New Roman;font-size:11pt;' >il of O</font><font style='font-family:Times New Roman;font-size:11pt;' >ther commissions and fees</font><font style='font-family:Times New Roman;font-size:11pt;' >: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:236.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:236.25pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:96pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:96pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Three Months Ended</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:96pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:96pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:12.75pt;' ><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:236.25pt;text-align:left;border-color:Black;min-width:236.25pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:96pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:96pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:96pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:96pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td></tr><tr style='height:13.5pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Foreign currency conversion fee revenue</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 225 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 223 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 665 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 655 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Delinquency fees</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 184 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 172 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 539 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 503 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Loyalty Partner-related fees</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 100 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 74 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 286 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 221 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Service fees</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 94 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 97 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 274 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 273 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 39 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 44 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 120 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 136 </font></td></tr><tr style='height:9.75pt;' ><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td colspan='2' rowspan='1' style='width:246.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:246.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Other commissions and fees</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 642 </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 610 </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,884 </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 1,788 </font></td></tr><tr style='height:1.5pt;' ><td style='width:10.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:236.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:236.25pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;line-height:12pt;' ></p><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Other primarily includes fee revenue from fees related to Membership Rewards programs.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following is a detail of </font><font style='font-family:Times New Roman;font-size:11pt;' >O</font><font style='font-family:Times New Roman;font-size:11pt;' >ther revenues</font><font style='font-family:Times New Roman;font-size:11pt;' >: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:236.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:236.25pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Three Months Ended</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:104.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:12.75pt;' ><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:236.25pt;text-align:left;border-color:Black;min-width:236.25pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:104.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:104.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:104.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td></tr><tr style='height:13.5pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:49.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:49.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Global Network Services partner revenues</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 173 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 171 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 513 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 466 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net realized gains and losses on investment securities</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 20 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:42pt;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 37 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 100 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:42pt;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 102 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 400 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 393 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,066 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 1,137 </font></td></tr><tr style='height:10.5pt;' ><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td colspan='2' rowspan='1' style='width:246.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:246.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Other revenues</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >593</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >601</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,679</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,705</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;line-height:12pt;' ></p><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Other </font><font style='font-family:Times New Roman;font-size:8pt;' >include</font><font style='font-family:Times New Roman;font-size:8pt;' >s</font><font style='font-family:Times New Roman;font-size:8pt;' > revenues arising from</font><font style='font-family:Times New Roman;font-size:8pt;' > foreign exchange gains on cross-border Card Member spending, merchant-related fees, </font><font style='font-family:Times New Roman;font-size:8pt;' >insurance premiums earned from </font><font style='font-family:Times New Roman;font-size:8pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:8pt;' > travel and other insurance programs, </font><font style='font-family:Times New Roman;font-size:8pt;' >Travelers </font><font style='font-family:Times New Roman;font-size:8pt;' >Cheques</font><font style='font-family:Times New Roman;font-size:8pt;' >-related revenues, revenues related </font><font style='font-family:Times New Roman;font-size:8pt;' >to the GBT JV transition services agreement, earnings from equity method investments and other miscellaneous revenue and fees. </font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following is a detail of </font><font style='font-family:Times New Roman;font-size:11pt;' >M</font><font style='font-family:Times New Roman;font-size:11pt;' >arketing, promotion, rewards</font><font style='font-family:Times New Roman;font-size:11pt;' >, Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > services</font><font style='font-family:Times New Roman;font-size:11pt;' > and other: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:236.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:236.25pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:103.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:103.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Three Months Ended</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:103.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:103.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:12.75pt;' ><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:236.25pt;text-align:left;border-color:Black;min-width:236.25pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:103.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:103.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:103.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:103.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Marketing and promotion</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 809 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 827 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 2,407 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 2,234 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member rewards</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,695 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 1,619 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 5,050 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 4,740 </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member services and other</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 205 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 197 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 619 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 579 </font></td></tr><tr style='height:9.75pt;' ><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td colspan='2' rowspan='1' style='width:246.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:246.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Marketing, promotion, rewards, Card Member services</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td></tr><tr style='height:13.5pt;' ><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:236.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:236.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >and other</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 2,709 </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2,643</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 8,076 </font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >7,553</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >Marketing and promotion expense includes advertising costs, which are expensed in the year in which the advertising first takes place. </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > rewards expense includes the costs of rewards programs</font><font style='font-family:Times New Roman;font-size:11pt;' >, including Membership Rewards</font><font style='font-family:Times New Roman;font-size:11pt;' > and co-brand arrangements</font><font style='font-family:Times New Roman;font-size:11pt;' >. </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > services expense includes protection plans and complimentary services provided to </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' >s.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following is a detail of </font><font style='font-family:Times New Roman;font-size:11pt;' >O</font><font style='font-family:Times New Roman;font-size:11pt;' >ther, net</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >expenses</font><font style='font-family:Times New Roman;font-size:11pt;' >: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:103.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:103.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Three Months Ended</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:103.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:103.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:12.75pt;' ><td style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:103.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:103.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:103.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:103.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td></tr><tr style='height:9.75pt;' ><td style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Professional services</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >731</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >793</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2,240</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2,272</font></td></tr><tr style='height:9.75pt;' ><td style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Occupancy and equipment</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >432</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >462</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,361</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,394</font></td></tr><tr style='height:9.75pt;' ><td style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card-related fraud losses</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >96</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >73</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >282</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >229</font></td></tr><tr style='height:9.75pt;' ><td style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Communications</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >91</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >94</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >285</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >282</font></td></tr><tr style='height:9.75pt;' ><td style='width:257.25pt;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Gain on business travel joint venture transaction</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(15)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213;</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(641)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213;</font></td></tr><tr style='height:9.75pt;' ><td style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >261</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >269</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >866</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >734</font></td></tr><tr style='height:14.25pt;' ><td style='width:257.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:257.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total Other, net</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,596</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,691</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4,393</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4,911</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;line-height:13.8pt;' ></p><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Other expense inclu</font><font style='font-family:Times New Roman;font-size:8pt;' >des general operating expenses, </font><font style='font-family:Times New Roman;font-size:8pt;' >gains (losses) on sale of assets or businesses not classified as discontinued operations</font><font style='font-family:Times New Roman;font-size:8pt;' > (other than the business travel joint venture transaction)</font><font style='font-family:Times New Roman;font-size:8pt;' >, litigation, </font><font style='font-family:Times New Roman;font-size:8pt;' >certain </font><font style='font-family:Times New Roman;font-size:8pt;' >internal and regulatory </font><font style='font-family:Times New Roman;font-size:8pt;' >review-related reimbursements and insurance costs or settlements, investment impairments and certain Loyalty Partner</font><font style='font-family:Times New Roman;font-size:8pt;' >-related</font><font style='font-family:Times New Roman;font-size:8pt;' > expenses</font><font style='font-family:Times New Roman;font-size:8pt;' >.</font></li></ul></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_OtherIncomeAndOtherExpenseDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_OtherIncomeAndOtherExpenseDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherIncomeAndOtherExpenseDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for other income or other expense items (both operating and nonoperating). Sources of nonoperating income or nonoperating expense that may be disclosed, include amounts earned from dividends, interest on securities, profits (losses) on securities, net and miscellaneous other income or income deductions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.3,6,7,9)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 3, 6, 7, 9<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherIncomeAndOtherExpenseDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>75
<FILENAME>R19.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Guarantees<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GuaranteesAbstract', window );"><strong>Guarantees [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GuaranteesTextBlock', window );">Guarantees</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-20.15pt;' >   10</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >. Guarantees </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The Company provides Card M</font><font style='font-family:Times New Roman;font-size:11pt;' >ember protection plans that cover losses associated with purchased products, as well as certain other guarantees in the ordinary course of business</font><font style='font-family:Times New Roman;font-size:11pt;' >.</font><font style='font-family:Times New Roman;font-size:11pt;' > </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >In relation to its maximum potential undiscounted </font><font style='font-family:Times New Roman;font-size:11pt;' >future payments as shown in the table that follows, to date the Company has not experienced any significant losses related to guarantees. The Company&#8217;s initial recognition of guarantees is at fair value</font><font style='font-family:Times New Roman;font-size:11pt;' >.</font><font style='font-family:Times New Roman;font-size:11pt;' > In addition, the Company establishes reserves when a loss is probable and the amount can be reasonably estimated.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table provides information related to such guarantees as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:10.5pt;' ><td style='width:240.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:240.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:106.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Maximum potential</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:106.5pt;' ></td></tr><tr style='height:10.5pt;' ><td style='width:240.75pt;text-align:left;border-color:Black;min-width:240.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:106.5pt;text-align:center;border-color:Black;min-width:106.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > undiscounted future</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:37.5pt;text-align:center;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:9.75pt;text-align:center;border-color:Black;min-width:9.75pt;' ></td><td style='width:37.5pt;text-align:center;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:10.5pt;' ><td style='width:240.75pt;text-align:left;border-color:Black;min-width:240.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:106.5pt;text-align:center;border-color:Black;min-width:106.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >payments</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:106.5pt;text-align:center;border-color:Black;min-width:106.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Related liability</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td></tr><tr style='height:10.5pt;' ><td style='width:240.75pt;text-align:left;border-color:Black;min-width:240.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:106.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Billions)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:106.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td></tr><tr style='height:12.75pt;' ><td style='width:240.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:240.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Type of Guarantee</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:47.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:47.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:47.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:47.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:12.75pt;' ><td style='width:240.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:240.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card and travel operations</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 44 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >44</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 43 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 88 </font></td></tr><tr style='height:12.75pt;' ><td style='width:240.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:240.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(d)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 71 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 73 </font></td></tr><tr style='height:12.75pt;' ><td style='width:240.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:240.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 45 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >45</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 114 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >161</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents the notional amounts </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >that could be lost under the guarantees an</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >d indemnifications if there were</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > a total default by the guaranteed parties</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > The maximum potential undiscounted future payments for Merchant Protection are measured using management&#8217;s best estimate of maximum exposure based on all eligible claims in relation to annual billed business volumes. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Included in </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >other liabilities on the </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Company&#8217;s Consolidated Balance Sheets. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Primarily includes Return Protection and Merchant Protection</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Primarily includes guarantees related to the Company&#8217;s business dispositions</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >real estate</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and joint ventures.</font></li></ul></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GuaranteesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GuaranteesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GuaranteesTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for each guarantee obligation, or each group of similar guarantee obligations, including (a) the nature of the guarantee, including its term, how it arose, and the events or circumstances that would require the guarantor to perform under the guarantee; (b) the maximum potential amount of future payments (undiscounted) the guarantor could be required to make under the guarantee; (c) the current carrying amount of the liability, if any, for the guarantor's obligations under the guarantee; and (d) the nature of any recourse provisions under the guarantee, and any assets held either as collateral or by third parties, and any relevant related party disclosure. Excludes disclosures about product warranties.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GuaranteesTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>76
<FILENAME>R15.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Asset Securitizations<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AssetSecuritizationsAbstract', window );"><strong>Asset Securitizations [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AssetSecuritizationsTextBlock', window );">Asset Securitizations</a></td>
        <td class="text"><div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-15.1pt;' >6</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >. </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' > </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >Asset Securitizations</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The Company periodically securitizes </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > receivables and loans arising from its card business through the transfer of those assets to securitization trusts. The trusts then issue securities to third-party investors, collaterali</font><font style='font-family:Times New Roman;font-size:11pt;' >zed by the transferred assets. </font><font style='font-family:Times New Roman;font-size:11pt;' >For information on the Company&#8217;s asset</font><font style='font-family:Times New Roman;font-size:11pt;' > securitizations and related account</font><font style='font-family:Times New Roman;font-size:11pt;' >ing policies</font><font style='font-family:Times New Roman;font-size:11pt;' >,</font><font style='font-family:Times New Roman;font-size:11pt;' > refer to </font><font style='font-family:Times New Roman;font-size:11pt;' >Note 7</font><font style='font-family:Times New Roman;font-size:11pt;' > on</font><font style='font-family:Times New Roman;font-size:11pt;' > page 80</font><font style='font-family:Times New Roman;font-size:11pt;' > of the Annual Report.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:10pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table provides information on the restricted cash held by the American Express Issuance Trust II (the Charge Trust) and the American Express C</font><font style='font-family:Times New Roman;font-size:11pt;' >redit Account Master Trust (the Lending Trust) as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >, included in O</font><font style='font-family:Times New Roman;font-size:11pt;' >ther assets on the Company&#8217;s Consolidated Balance Sheets:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:15.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:15.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:12.75pt;' ><td style='width:311.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Charge Trust</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2</font></td></tr><tr style='height:12.75pt;' ><td style='width:311.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Lending Trust</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >43</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >56</font></td></tr><tr style='height:12.75pt;' ><td style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total </font></td><td style='width:15.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15.75pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >44</font></td><td style='width:15.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15.75pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >58</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:10pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >These amounts relate to collections of Card Member receivables and loans to be used by the trusts to fund future expenses and obligations, including interest paid on investor securities, credit losses and upcoming debt maturities.</font></p><p style='text-align:justify;line-height:10pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:10pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >American Express Trave</font><font style='font-family:Times New Roman;font-size:11pt;' >l Related Services Company, Inc. (</font><font style='font-family:Times New Roman;font-size:11pt;' >TRS</font><font style='font-family:Times New Roman;font-size:11pt;' >), which is a consolidated subsidiary of the Company, is the primary beneficiary of both the trusts. E</font><font style='font-family:Times New Roman;font-size:11pt;' >xcluding its consolidated subsidiaries, </font><font style='font-family:Times New Roman;font-size:11pt;' >TRS </font><font style='font-family:Times New Roman;font-size:11pt;' >owns approximately </font><font style='font-family:Times New Roman;font-size:11pt;' >$</font><font style='font-family:Times New Roman;font-size:11pt;' >1.0</font><font style='font-family:Times New Roman;font-size:11pt;' > billion of subordinated securities issued</font><font style='font-family:Times New Roman;font-size:11pt;' > by the Lending Trust as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' >.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:10pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >Under the respective terms of the Charge Trust and the Lending Trust agreements, the occurrence of certain </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >triggering </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >events </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >associated with the performance of the assets of each trust </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >could result in </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >payment</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > of trust expenses, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >establishment of reserve funds, or in a worst-case scenario, early amortiza</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >tion of investor securities. </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >During the </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > and the year ended December 31, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > no such triggering events occurred.</font></p></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_AssetSecuritizationsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_AssetSecuritizationsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_AssetSecuritizationsTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This disclosure of financial assets transferred to a trust (for example, cardmember receivables and loans) whereby the trust then issues securities to third-party investors and these securities are collateralized by the transferred assets. The nature of any restrictions on assets reported by an entity in its statement of financial position that relate to a transferred financial asset is also disclosed. The required disclosures may be provided in more than one note to the financial statements, as long as the GAAP disclosure objectives are met.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_AssetSecuritizationsTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>77
<FILENAME>R60.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E6GAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Customer Deposits (Details) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsDomesticAbstract', window );"><strong>U.S.:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDepositLiabilitiesDomestic', window );">Interest-bearing</a></td>
        <td class="nump">$ 41,883<span></span></td>
        <td class="nump">$ 40,831<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestBearingDepositLiabilitiesDomestic', window );">Non-interest-bearing</a></td>
        <td class="nump">336<span></span></td>
        <td class="nump">360<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsForeignAbstract', window );"><strong>Non-U.S.:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDepositLiabilitiesForeign', window );">Interest-bearing</a></td>
        <td class="nump">108<span></span></td>
        <td class="nump">121<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestBearingDepositLiabilitiesForeign', window );">Non-interest-bearing</a></td>
        <td class="nump">376<span></span></td>
        <td class="nump">451<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total customer deposits</a></td>
        <td class="nump">42,703<span></span></td>
        <td class="nump">41,763<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Card Member Credit Balances [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsDomesticAbstract', window );"><strong>U.S.:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestBearingDepositLiabilitiesDomestic', window );">Non-interest-bearing</a></td>
        <td class="nump">304<span></span></td>
        <td class="nump">340<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsForeignAbstract', window );"><strong>Non-U.S.:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestBearingDepositLiabilitiesForeign', window );">Non-interest-bearing</a></td>
        <td class="nump">$ 361<span></span></td>
        <td class="nump">$ 437<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Deposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsDomesticAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepositsDomesticAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsForeignAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepositsForeignAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDepositLiabilitiesDomestic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total amount of interest-bearing domestic deposit liabilities, which may include brokered, retail, demand, checking, notice of withdrawal, money market and other interest-bearing deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestBearingDepositLiabilitiesDomestic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDepositLiabilitiesForeign">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of foreign interest-bearing deposits held by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 235<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-05(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6882215&amp;loc=d3e537907-122884<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 05<br><br> -Paragraph a<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestBearingDepositLiabilitiesForeign</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestBearingDepositLiabilitiesDomestic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of domestic noninterest-bearing deposits held by the entity, which may include demand deposits, checking, brokered and retail deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestBearingDepositLiabilitiesDomestic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestBearingDepositLiabilitiesForeign">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of foreign noninterest-bearing deposits held by the entity which may include demand deposits, checking, brokered and retail deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 235<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-05)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6882215&amp;loc=d3e537907-122884<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 05<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestBearingDepositLiabilitiesForeign</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>78
<FILENAME>R13.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Reserves for Losses<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ReservesForLossesCardmemberReceivablesAndLoansDisclosureAbstract', window );"><strong>Reserves For Losses Card Member Receivables And Loans Disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForCreditLossesTextBlock', window );">Reserve for Losses</a></td>
        <td class="text"><div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-15.1pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' >4</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' >.</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' >  </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' >Reserves for L</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;color:#000000;' >osses</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >Reserves for losses relating to </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > loans and receivables represent management&#8217;s best estimate of the probable </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >losses </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >inherent in the Company&#8217;s outstanding portfolio of loans and receivables,</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > as of the balance sheet date. </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >Management&#8217;s evaluation process requires certain estimates and judgments. </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >For information on the Company&#8217;s reserves for losses and the related accountin</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >g policies, refer to </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >Note 5</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >on pages 77 &#8211; 78</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > of the Annual Report. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' >
</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' >Chan</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' >ges in </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' > Receivables Reserve for Losses </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >The following table presents changes in the </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > receivables reserve for losses for</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > the</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >:</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td colspan='3' rowspan='1' style='width:324.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:324.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:324.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:324.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance, January&#160;1</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >386</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >428</font></td></tr><tr style='height:12pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:316.5pt;text-align:left;border-color:Black;min-width:316.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Provisions</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >594</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >474</font></td></tr><tr style='height:12pt;' ><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:316.5pt;text-align:left;border-color:Black;min-width:316.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net write-offs</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(527)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(507)</font></td></tr><tr style='height:12pt;' ><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:316.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:316.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(c)</font></sup></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(21)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1</font></td></tr><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:324.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:324.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance, September 30</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >432</font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >396</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >P</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >rovisions for</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >principal (resulting from authorized transactions) and fee reserve components. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Consists of principal (resulting from authorized transactions) and fee components, less recoveries of $</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >269</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >304</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million, including net write-offs from TDRs of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >14</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >16</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million, for the </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >nine months ended</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > respectively. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Beginning in first quarter </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >reserves for card related fraud losses</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >of $</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(7)</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million are reflected in </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >other</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > liabilities. All periods include </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >foreign currency translation adjustments of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$(6)</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >million </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >and $</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(3)</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million for the </font><font style='font-family:Times New Roman;font-size:8pt;' >nine months ended</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;' >, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, respectively</font><font style='font-family:Times New Roman;font-size:8pt;' >,</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >and other items of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(8)</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >for the </font><font style='font-family:Times New Roman;font-size:8pt;' >nine months ended</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;' >, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, respectively</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;' > Receivables Evaluated </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;' >Individually</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;' > and Collectively for Impairment</font></p><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table presents </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > receivables evaluated </font><font style='font-family:Times New Roman;font-size:11pt;' >individually and collectively for impair</font><font style='font-family:Times New Roman;font-size:11pt;' >ment and related reserves as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td style='width:345.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:345.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:12.75pt;' ><td style='width:345.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:345.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member receivables evaluated individually for impairment</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >44</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >50</font></td></tr><tr style='height:12.75pt;' ><td style='width:345.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:345.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Related reserves </font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >32</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >38</font></td></tr><tr style='height:12.75pt;' ><td style='width:345.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:345.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member receivables evaluated collectively for impairment</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >45,073</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >44,113</font></td></tr><tr style='height:12.75pt;' ><td style='width:345.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:345.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Related reserves </font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >400</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >348</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents receivables modified in a TDR and related reserves</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Refer to</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > the Impaired </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Loans</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and Receivables</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > dis</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >cussion in N</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ote </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > on pages 74 &#8211; 76</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > of the Annual Report </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >for further information.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >The reserves include the quantitative results of analytical models that are specific to individual pools of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >receivables</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and reserves for </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >internal and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >external qualitative </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >risk </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >factors that apply to receivables</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > that are collectively evaluated for impairment</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' >Changes in </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' > Loans Reserve for Losses</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >The following table presents changes in the </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > loans reserve for losses for </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >the </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:318.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:318.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance, January&#160;1</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,261</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,471</font></td></tr><tr style='height:12.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:307.5pt;text-align:left;border-color:Black;min-width:307.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Provisions</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >797</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >825</font></td></tr><tr style='height:12.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:307.5pt;text-align:left;border-color:Black;min-width:307.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Net write-offs</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:left;border-color:Black;min-width:60pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:296.25pt;text-align:left;border-color:Black;min-width:296.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Principal</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(786)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(888)</font></td></tr><tr style='height:12.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:296.25pt;text-align:left;border-color:Black;min-width:296.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Interest and fees</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(124)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(113)</font></td></tr><tr style='height:12.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:307.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:307.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(2)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(14)</font></td></tr><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:318.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance, September 30</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,146</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,281</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >P</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >rovisions for principal (resulting from authorized transacti</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ons), interest and fee reserve</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >s</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >components. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Consists of</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > principal </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >write-offs (resulting from authorized transactions), less recoveries of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >324</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >million </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >and</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >343</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >million</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, including net write-offs from TDRs of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(5)</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >million and</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >million</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >for the </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >nine months ended</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >respectively.</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > Recoveries of interest and fees were de </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >minimis</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Beginning </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >in </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >first quarter </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >reserves </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >for</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >card related fraud losses</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > of $</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(6)</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >are reflected in </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >other liabilities.</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >All periods include </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >foreign currency translation adjustments </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >of</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(7)</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >million</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(8)</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >million </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >for</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >t</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >he </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >nine months ended</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >,</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > respectively,</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >and</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > other </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >item</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >s of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >11</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >million </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(6)</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >million</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > for the</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >nine months ended</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >respectivel</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >y. </font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;' >
</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;' > Loans Evaluated Individually</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;' > and Collectively for Impairment</font></p><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table presents </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > loans evaluated </font><font style='font-family:Times New Roman;font-size:11pt;' >individually</font><font style='font-family:Times New Roman;font-size:11pt;' > and collectively for impairment and related reserves as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td style='width:345.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:345.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:55.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:55.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:12.75pt;' ><td style='width:345.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:345.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member loans evaluated individually for impairment</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >309</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >378</font></td></tr><tr style='height:12.75pt;' ><td style='width:345.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:345.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Related reserves </font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >70</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >84</font></td></tr><tr style='height:12.75pt;' ><td style='width:345.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:345.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member loans evaluated collectively for impairment</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >65,748</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >66,860</font></td></tr><tr style='height:12.75pt;' ><td style='width:345.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:345.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Related reserves </font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,076</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,177</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents loans modified</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > in a TDR and related reserves.</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > Refer to the Impaired </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Loans and Receivables d</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >iscussion in Note </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4 on pages 74 &#8211; 76</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > of the Annual Report</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > for further </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >information.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents current loans and loans less than 90 days past due, loans over 90 days past due and accruing </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >interest, and non-accrual loans</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >. The reserves include the </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >quantitative </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >results of analytical models that are specific to individual pools of loans and r</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >eserves for </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >internal and external </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >qualitative </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >risk </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >factors that apply </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >to</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > loans </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >that are </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >collectively evaluated for impairment. </font></li></ul></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_ReservesForLossesCardmemberReceivablesAndLoansDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_ReservesForLossesCardmemberReceivablesAndLoansDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForCreditLossesTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for allowance for credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllowanceForCreditLossesTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>79
<FILENAME>R14.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Investment Securities<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract', window );"><strong>Investments, Debt and Equity Securities [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock', window );">Investment Securities</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-14.4pt;' >5</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >. </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' > </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >Investment Securities</font></p><p style='text-align:justify;margin-top:9pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >Investment securities include debt and equity securities </font><font style='font-family:Times New Roman;font-size:11pt;' >that the Company</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >classifies </font><font style='font-family:Times New Roman;font-size:11pt;' >as available for sale. The Company&#8217;s investment securities, principally debt securities, are carried at fair value on the Consolidated Balanc</font><font style='font-family:Times New Roman;font-size:11pt;' >e Sheets with unrealized</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >gains (losses) recorded in </font><font style='font-family:Times New Roman;font-size:11pt;' >Accumulated Other Comprehensive Income (AOCI)</font><font style='font-family:Times New Roman;font-size:11pt;' >, net of income</font><font style='font-family:Times New Roman;font-size:11pt;' > taxes</font><font style='font-family:Times New Roman;font-size:11pt;' >. Realized gains and losses are recognized in results of operations upon disposition of the securities using the specific identification method on a trade date basis. </font><font style='font-family:Times New Roman;font-size:11pt;' >F</font><font style='font-family:Times New Roman;font-size:11pt;' >or </font><font style='font-family:Times New Roman;font-size:11pt;' >information on the </font><font style='font-family:Times New Roman;font-size:11pt;' >Company&#8217;s methodology for de</font><font style='font-family:Times New Roman;font-size:11pt;' >termining the fair value of </font><font style='font-family:Times New Roman;font-size:11pt;' >investment securities</font><font style='font-family:Times New Roman;font-size:11pt;' > and related accounting policies, r</font><font style='font-family:Times New Roman;font-size:11pt;' >efer to Note </font><font style='font-family:Times New Roman;font-size:11pt;' >3</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >on pages </font><font style='font-family:Times New Roman;font-size:11pt;' >68</font><font style='font-family:Times New Roman;font-size:11pt;' > &#8211; </font><font style='font-family:Times New Roman;font-size:11pt;' >71</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >of the Annual Report</font><font style='font-family:Times New Roman;font-size:11pt;' >.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following is a summary of investment securities as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:111.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:111.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='11' rowspan='1' style='width:174pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:174pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td colspan='11' rowspan='1' style='width:174pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:174pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >2013</font></td></tr><tr style='height:10.5pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:111.75pt;text-align:center;border-color:Black;min-width:111.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-style:italic;color:#000000;' > </font></td><td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td colspan='1' rowspan='3' style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td colspan='1' rowspan='3' style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td><td colspan='1' rowspan='3' style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td colspan='1' rowspan='3' style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td colspan='1' rowspan='3' style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td></tr><tr style='height:8.25pt;' ><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:111.75pt;text-align:center;border-color:Black;min-width:111.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-style:italic;color:#000000;' > </font></td><td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair</font></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Description of Securities </font><font style='font-family:Times New Roman;font-size:7pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Cost</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gains</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Losses</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Value</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Cost</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gains</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Losses</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Value</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:118.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >State and municipal obligations</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3,628 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 130 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (3)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3,755 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4,060 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 54 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (79)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 4,035 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. Government agency</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:111.75pt;text-align:left;border-color:Black;min-width:111.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >obligations</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 3 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 3 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >U.S. Government treasury </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:111.75pt;text-align:left;border-color:Black;min-width:111.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >obligations</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 346 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (1)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 349 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 318 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 3 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 320 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Corporate debt securities</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 39 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 3 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 42 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 43 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 3 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 46 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Mortgage-backed securities</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 137 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 7 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 144 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 160 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 164 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Equity securities</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(b)</font></sup></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 29 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 95 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 124 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Foreign government bonds and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:111.75pt;text-align:left;border-color:Black;min-width:111.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >obligations</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 399 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 8 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 407 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 272 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 5 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (1)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 276 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(c)</font></sup></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 50 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (1)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 49 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:6.75pt;' ></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 50 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > (2)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > 48 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:118.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:center;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4,602 </font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;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:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 153 </font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > (5)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' > 4,750 </font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:31.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4,935</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;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:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >165</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;&#160;</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(84)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:34.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5,016</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents mortgage-backed securities guaranteed by Fannie Mae, Freddie Mac or </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Ginnie</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > Mae. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Primarily represents the Company&#8217;s investment in the </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Industrial and Commercial Bank of China (ICBC) </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >as of December </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >31, 2013.</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other comprises investments in </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >various mutual funds.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >
</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table provides information about the Company&#8217;s investment securities with gross unrealized losses and the length of time that individual securities have been in a continuous unrealized loss position as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >and </font><font style='font-family:Times New Roman;font-size:11pt;' >December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:108.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:108.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='11' rowspan='1' style='width:177pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:177pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='11' rowspan='1' style='width:176.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:176.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2013</font></td></tr><tr style='height:12pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:108.75pt;text-align:left;border-color:Black;min-width:108.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' > </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:86.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:86.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Less than 12 months</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:87pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:87pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >12 months or more</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:86.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:86.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Less than 12 months</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='5' rowspan='1' style='width:86.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:86.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >12 months or more</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:108.75pt;text-align:left;border-color:Black;min-width:108.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font></td><td style='width:3.75pt;text-align:center;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td colspan='1' rowspan='3' style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td colspan='1' rowspan='3' style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td colspan='1' rowspan='3' style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td colspan='1' rowspan='3' style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td colspan='1' rowspan='3' style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td colspan='1' rowspan='3' style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:108.75pt;text-align:left;border-color:Black;min-width:108.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' > </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:116.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:116.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Description of Securities </font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:3.75pt;text-align:center;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair&#160;Value</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Losses</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair&#160;Value</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Losses</font></td><td style='width:3.75pt;text-align:right;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair&#160;Value</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Losses</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair&#160;Value</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Losses</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:116.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:116.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >State and municipal obligations</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 72 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (3)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,320 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (63)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 106 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (16)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:116.25pt;text-align:left;border-color:Black;min-width:116.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Foreign government bonds and </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:108.75pt;text-align:left;border-color:Black;min-width:108.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >obligations</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 208 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:116.25pt;text-align:left;border-color:Black;min-width:116.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >U.S. Government treasury</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:108.75pt;text-align:left;border-color:Black;min-width:108.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >obligations</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 127 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (1)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 166 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:116.25pt;text-align:left;border-color:Black;min-width:116.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Mortgage-backed securities</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 35 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:116.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:116.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Other</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 32 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (1)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 30 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 17 </font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1)</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:116.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:116.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Total</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 127 </font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (1)</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 104 </font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (4)</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 1,759 </font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (67)</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 123 </font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (17)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table summarizes the gross unrealized losses due to temporary impairments by ratio of fair value to amortized cost as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >:</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:101.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:101.25pt;' ></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td colspan='7' rowspan='1' style='width:122.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:122.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >Less than 12 months</font></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:2.25pt;' ></td><td colspan='7' rowspan='1' style='width:122.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:122.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >12 months or more</font></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:2.25pt;' ></td><td colspan='7' rowspan='1' style='width:122.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:122.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >Total</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:101.25pt;text-align:left;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Ratio of Fair Value to</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td colspan='1' rowspan='3' style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Gross</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:101.25pt;text-align:left;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Amortized Cost</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Estimated</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Unrealized</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:101.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-style:italic;color:#000000;' >(Dollars in millions)</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Securities</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair Value</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Losses</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Securities</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair Value</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Losses</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Securities</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Fair Value</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Losses</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2014:</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:101.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >90%&#8211;100%</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > 6 </font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > 127 </font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > (1)</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >17 </font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >104 </font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >(4)</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > 23 </font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > 231 </font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > (5)</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >Total as of September 30, 2014</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > 6 </font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > 127 </font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > (1)</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > 17 </font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > 104 </font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > (4)</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > 23 </font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > 231 </font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.55pt;font-weight:bold;color:#000000;' > (5)</font></td></tr><tr style='height:9pt;' ><td style='width:3.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:97.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:97.5pt;' ></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013:</font></td><td style='width:3.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:35.25pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:2.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:101.25pt;text-align:left;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >90%&#8211;100%</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >228</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >1,665</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >(53)</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >6</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >24</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >(2)</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >234</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >1,689</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >(55)</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:101.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >Less than 90%</font></td><td style='width:3.75pt;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >13</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >94</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >(14)</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >5</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >99</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >(15)</font></td><td style='width:2.25pt;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >18</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >193</font></td><td style='width:2.25pt;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >(29)</font></td></tr><tr style='height:9pt;' ><td colspan='2' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >Total as of December 31, 2013</font></td><td style='width:3.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:3.75pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >241</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >1,759</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >(67)</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >11</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >123</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >(17)</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:2.25pt;' ></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:35.25pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >252</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >1,882</font></td><td style='width:2.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:2.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.6pt;color:#000000;' >(84)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:10pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >The gross unrealized losses </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >are</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > attributed to </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >overall wider</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > credit spreads for s</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >tate and municipal securities, wide</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >r credit spreads for specific issuers, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >adverse </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >changes in market benchmark interest rates, or a combination thereof, all as compared to </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >those prevailing when the investment securities were acquired. </font></p><p style='text-align:justify;line-height:10pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >Overall, for the investment securities in gross unrealized loss positions</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > (</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >i</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >)&#160;the Company does not </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >currently </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >intend to sell the investment </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >securities, (ii</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >)&#160;it is more likely than not that the</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > Company will not be required to sell the investment securities before recovery of the unrealized losses</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, and (iii</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >)&#160;the Company expects that the contractual principal and interest will be received on the investment securities. As a result, the Company reco</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >gnized no other-than-temporary impairment</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > during the periods presented.</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font></p><p style='text-align:justify;line-height:0pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:0pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' >Supplemental Information</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >Gross realized gains on the sales of investment securities, included in Other </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >revenues for the </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >three and nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >were $</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >20</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > million and $</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >100</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > million, respectively. Gross realized gains on the sale of investment securities, included in Other revenues for the </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >three and nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > were, $</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >37</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > million and $</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >102</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > million, respectively. There were no realized lo</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >sses for the </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >three and nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >and </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >Contractual maturities of investment securities, excluding equity securities and other securities, as of </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > were as follows: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:318pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:318pt;' ></td><td colspan='1' rowspan='2' style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:56.25pt;' ></td><td colspan='1' rowspan='2' style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Estimated</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:329.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:329.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Cost&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Fair&#160;Value</font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:329.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:329.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due within 1 year</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 579 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 580 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:329.25pt;text-align:left;border-color:Black;min-width:329.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due after 1 year but within 5 years</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 435 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 442 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:329.25pt;text-align:left;border-color:Black;min-width:329.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due after 5 years but within 10 years</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 235 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 251 </font></td></tr><tr style='height:9.75pt;' ><td colspan='2' rowspan='1' style='width:329.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:329.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due after 10 years</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 3,303 </font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 3,427 </font></td></tr><tr style='height:14.25pt;' ><td colspan='2' rowspan='1' style='width:329.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:329.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 4,552 </font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 4,700 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:12pt;margin-bottom:0pt;line-height:10pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >The expected payments on state and municipal obligations and mortgage-backed securities may not coincide with their contractual maturities because </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >the issuers </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >have the right to call</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > or prepay certain obligations.</font></p></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for  investments in certain debt and equity securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27357-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -Glossary Debt Security<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6509901<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379141&amp;loc=d3e15032-111544<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62557-112803<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27405-111563<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -Glossary Equity Security<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6511694<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>80
<FILENAME>R16.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Customer Deposits<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DepositLiabilitiesDisclosuresAbstract', window );"><strong>Deposit Liabilities Disclosures [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositLiabilitiesDisclosuresTextBlock', window );">Customer Deposits</a></td>
        <td class="text"><div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-15.85pt;' >7</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >. </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' > </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >C</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >ustomer </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >D</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >eposits</font></p><p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >As of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >customer deposits </font><font style='font-family:Times New Roman;font-size:11pt;' >we</font><font style='font-family:Times New Roman;font-size:11pt;' >re categorized as interest </font><font style='font-family:Times New Roman;font-size:11pt;' >bearing or non-interest</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >bearing</font><font style='font-family:Times New Roman;font-size:11pt;' >,</font><font style='font-family:Times New Roman;font-size:11pt;' > as follows</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:318.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:318.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S.:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:52.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:52.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Interest bearing</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 41,883 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >40,831</font></td></tr><tr style='height:15.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Non-interest bearing (includes Card Member credit balances of: </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' ></td></tr><tr style='height:15pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014, $304; 2013, $340)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 336 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >360</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:318.75pt;text-align:left;border-color:Black;min-width:318.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Non-U.S.:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' ></td></tr><tr style='height:13.5pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Interest bearing</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 108 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >121</font></td></tr><tr style='height:11.25pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Non-interest bearing (includes Card Member credit balances of: </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:left;border-color:Black;min-width:52.5pt;' ></td></tr><tr style='height:12pt;' ><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:303.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:303.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014, $361; 2013, $437)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 376 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >451</font></td></tr><tr style='height:13.5pt;' ><td colspan='3' rowspan='1' style='width:318.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:318.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total customer deposits</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 42,703 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >41,763</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >C</font><font style='font-family:Times New Roman;font-size:11pt;' >ustomer deposits </font><font style='font-family:Times New Roman;font-size:11pt;' >by deposit type</font><font style='font-family:Times New Roman;font-size:11pt;' > as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >were </font><font style='font-family:Times New Roman;font-size:11pt;' >as follows</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td colspan='3' rowspan='1' style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:67.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:67.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:311.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S. retail deposits:</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:52.5pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:51.75pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Savings accounts &#8211; Direct</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 26,248 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >24,550</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Certificates of deposit:</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:296.25pt;text-align:left;border-color:Black;min-width:296.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Direct</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 355 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >489</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:296.25pt;text-align:left;border-color:Black;min-width:296.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Third-party </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 6,371 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >6,929</font></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Sweep accounts &#8211; Third-party </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 8,909 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8,863</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other retail deposits:</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:303.75pt;text-align:left;border-color:Black;min-width:303.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Non-U.S. deposits and U.S. non-interest bearing deposits</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 155 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >155</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:311.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member credit balances &#8213; U.S. and non-U.S.</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 665 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >777</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total customer deposits</font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:52.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 42,703 </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >41,763</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The scheduled maturities of certificates of deposit as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >we</font><font style='font-family:Times New Roman;font-size:11pt;' >re as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td style='width:267pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S.</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Non-U.S.</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td></tr><tr style='height:9.75pt;' ><td style='width:267pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2014</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:21pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,073 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:21pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 3 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:21pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,076 </font></td></tr><tr style='height:9.75pt;' ><td style='width:267pt;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2015</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,259 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 4 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,263 </font></td></tr><tr style='height:9.75pt;' ><td style='width:267pt;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2016</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,684 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,684 </font></td></tr><tr style='height:9.75pt;' ><td style='width:267pt;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2017</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 937 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 937 </font></td></tr><tr style='height:9.75pt;' ><td style='width:267pt;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2018</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,089 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1,089 </font></td></tr><tr style='height:9.75pt;' ><td style='width:267pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >After 5 years</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 684 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:21pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 684 </font></td></tr><tr style='height:12pt;' ><td style='width:267pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:267pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:21pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 6,726 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:21pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 7 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#160;&#160;</font></td><td style='width:21pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:21pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 6,733 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >As of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >certificates of</font><font style='font-family:Times New Roman;font-size:11pt;' > deposit in denominations of $25</font><font style='font-family:Times New Roman;font-size:11pt;' >0,000 or more</font><font style='font-family:Times New Roman;font-size:11pt;' >, in the </font><font style='font-family:Times New Roman;font-size:11pt;' >aggregate</font><font style='font-family:Times New Roman;font-size:11pt;' >,</font><font style='font-family:Times New Roman;font-size:11pt;' > were as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:14.25pt;' ><td style='width:326.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:60pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:60pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:12pt;' ><td style='width:326.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S.</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 115 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >148</font></td></tr><tr style='height:12pt;' ><td style='width:326.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Non-U.S.</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 2 </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:22.5pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >&#8213;</font></td></tr><tr style='height:12pt;' ><td style='width:326.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:326.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 117 </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:22.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:22.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >148</font></td></tr></table></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_DepositLiabilitiesDisclosuresAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_DepositLiabilitiesDisclosuresAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositLiabilitiesDisclosuresTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepositLiabilitiesDisclosuresTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>81
<FILENAME>R64.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ESZBI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Derivatives and Hedging Activities (Details) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Total fair value of derivatives assets</a></td>
        <td class="nump">$ 822<span></span></td>
        <td class="nump">$ 701<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Total fair value of derivatives liabilties</a></td>
        <td class="nump">246<span></span></td>
        <td class="nump">213<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Risk Exposure Low [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Total derivative assets, net</a></td>
        <td class="nump">460<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Total derivative liabilities, net</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Total derivative assets, net</a></td>
        <td class="nump">460<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Total derivative liabilities, net</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Individually Significant Counterparties [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Total derivative assets, net</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Total derivative liabilities, net</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Total derivative assets, net</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Total derivative liabilities, net</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Assets [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Total fair value of derivatives assets</a></td>
        <td class="nump">822<span></span></td>
        <td class="nump">701<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_CashCollateralNetting', window );">Cash collateral netting</a></td>
        <td class="num">(125)<span></span></td>
        <td class="num">(336)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DerivativeAssetAndLiabilityNetting', window );">Derivative asset and liability netting</a></td>
        <td class="num">(126)<span></span></td>
        <td class="num">(36)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Total derivative assets, net</a></td>
        <td class="nump">571<span></span></td>
        <td class="nump">329<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Total derivative assets, net</a></td>
        <td class="nump">571<span></span></td>
        <td class="nump">329<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Assets [Member] | Designated as Hedging Instrument [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Total fair value of derivatives assets</a></td>
        <td class="nump">693<span></span></td>
        <td class="nump">637<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Assets [Member] | Foreign exchange contracts [Member] | Not Designated as Hedging Instrument [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Total fair value of derivatives assets</a></td>
        <td class="nump">129<span></span></td>
        <td class="nump">64<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Assets [Member] | Fair Value Hedging [Member] | Interest Rate Contract [Member] | Designated as Hedging Instrument [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Total fair value of derivatives assets</a></td>
        <td class="nump">309<span></span></td>
        <td class="nump">455<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Assets [Member] | Fair Value Hedging [Member] | Total Return Swap [Member] | Designated as Hedging Instrument [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Total fair value of derivatives assets</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">8<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Assets [Member] | Net Investment Hedging [Member] | Foreign exchange contracts [Member] | Designated as Hedging Instrument [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Total fair value of derivatives assets</a></td>
        <td class="nump">384<span></span></td>
        <td class="nump">174<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Liabilities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Total fair value of derivatives liabilties</a></td>
        <td class="nump">246<span></span></td>
        <td class="nump">213<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_CashCollateralNetting', window );">Cash collateral netting</a></td>
        <td class="num">(27)<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DerivativeAssetAndLiabilityNetting', window );">Derivative asset and liability netting</a></td>
        <td class="num">(126)<span></span></td>
        <td class="num">(36)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Total derivative liabilities, net</a></td>
        <td class="nump">93<span></span></td>
        <td class="nump">177<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Total derivative liabilities, net</a></td>
        <td class="nump">93<span></span></td>
        <td class="nump">177<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Liabilities [Member] | Designated as Hedging Instrument [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Total fair value of derivatives liabilties</a></td>
        <td class="nump">84<span></span></td>
        <td class="nump">118<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Liabilities [Member] | Foreign exchange contracts [Member] | Not Designated as Hedging Instrument [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Total fair value of derivatives liabilties</a></td>
        <td class="nump">162<span></span></td>
        <td class="nump">95<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Liabilities [Member] | Fair Value Hedging [Member] | Interest Rate Contract [Member] | Designated as Hedging Instrument [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Total fair value of derivatives liabilties</a></td>
        <td class="nump">27<span></span></td>
        <td class="nump">2<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Liabilities [Member] | Fair Value Hedging [Member] | Total Return Swap [Member] | Designated as Hedging Instrument [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Total fair value of derivatives liabilties</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Liabilities [Member] | Net Investment Hedging [Member] | Foreign exchange contracts [Member] | Designated as Hedging Instrument [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesFairValueLineItems', window );"><strong>Derivatives, Fair Value [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Total fair value of derivatives liabilties</a></td>
        <td class="nump">$ 57<span></span></td>
        <td class="nump">$ 116<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_CashCollateralNetting">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the netting of cash collateral received and posted under credit support agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_CashCollateralNetting</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_DerivativeAssetAndLiabilityNetting">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the netting of derivative assets and liabilities under master netting agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_DerivativeAssetAndLiabilityNetting</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value, after the effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets not subject to a master netting arrangement and not elected to be offset.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13433-108611<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945355&amp;loc=d3e41228-113958<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13495-108611<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20225523&amp;loc=SL20225862-175312<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945355&amp;loc=d3e41271-113958<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 20<br><br> -Section 55<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28370219&amp;loc=SL20226008-175313<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeFairValueOfDerivativeAsset">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value before effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 20<br><br> -Section 55<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28370219&amp;loc=SL20226000-175313<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20225523&amp;loc=SL20225862-175312<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4B<br><br> -Subparagraph (a),(c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624163-113959<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeFairValueOfDerivativeAsset</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeFairValueOfDerivativeLiability">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value before effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 20<br><br> -Section 55<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28370219&amp;loc=SL20226000-175313<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20225523&amp;loc=SL20225862-175312<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4B<br><br> -Subparagraph (a),(c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624163-113959<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeFairValueOfDerivativeLiability</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value, after the effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets not subject to a master netting arrangement and not elected to be offset.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13433-108611<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945355&amp;loc=d3e41228-113958<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13495-108611<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20225523&amp;loc=SL20225862-175312<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945355&amp;loc=d3e41271-113958<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 20<br><br> -Section 55<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28370219&amp;loc=SL20226008-175313<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativesFairValueLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativesFairValueLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>82
<FILENAME>R66.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EF4AE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Derivatives and Hedging Activities (Details 2) (Not Designated as Hedging Instrument [Member], USD $)<br></strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeGainLossOnDerivativeNet', window );">Pretax gains (losses)</a></td>
        <td class="nump">$ 2,000,000<span></span></td>
        <td class="nump">$ 26,000,000<span></span></td>
        <td class="nump">$ 88,000,000<span></span></td>
        <td class="nump">$ 109,000,000<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Expense [Member] | Interest Rate Contract [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeGainLossOnDerivativeNet', window );">Pretax gains (losses)</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">1,000,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">1,000,000<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Expense [Member] | Foreign exchange contracts [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeGainLossOnDerivativeNet', window );">Pretax gains (losses)</a></td>
        <td class="nump">2,000,000<span></span></td>
        <td class="nump">25,000,000<span></span></td>
        <td class="nump">84,000,000<span></span></td>
        <td class="nump">108,000,000<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Cost Of Card Member Services [Member] | Foreign exchange contracts [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeGainLossOnDerivativeNet', window );">Pretax gains (losses)</a></td>
        <td class="nump">$ 0<span></span></td>
        <td class="nump">$ 0<span></span></td>
        <td class="nump">$ 4,000,000<span></span></td>
        <td class="nump">$ 0<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeGainLossOnDerivativeNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of increase (decrease) in the fair value of derivatives recognized in the income statement.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4A<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5618551-113959<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4C<br><br> -Subparagraph (a),(c),(d),(e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624171-113959<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeGainLossOnDerivativeNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsGainLossLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeInstrumentsGainLossLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>83
<FILENAME>R63.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E6CAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Customer Deposits (Details 3) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits100000OrMoreAbstract', window );"><strong>Time Deposits 100000 Or More [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits100000OrMoreDomestic', window );">U.S.</a></td>
        <td class="nump">$ 115<span></span></td>
        <td class="nump">$ 148<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits100000OrMoreForeign', window );">Non-U.S.</a></td>
        <td class="nump">2<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits100000OrMore', window );">Total</a></td>
        <td class="nump">$ 117<span></span></td>
        <td class="nump">$ 148<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits100000OrMore">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of domestic and foreign time deposit liabilities (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section V<br><br> -Paragraph A<br><br> -Subparagraph 4<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDeposits100000OrMore</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits100000OrMoreAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDeposits100000OrMoreAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits100000OrMoreDomestic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of domestic time deposits (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDeposits100000OrMoreDomestic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits100000OrMoreForeign">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 235<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-05(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6882215&amp;loc=d3e537907-122884<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Subparagraph a<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDeposits100000OrMoreForeign</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>84
<FILENAME>R34.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Guarantees (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_GuaranteesTablesAbstract', window );"><strong>Guarantees (Tables) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfGuaranteeObligationsTextBlock', window );">Information related to guarantees</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table provides information related to such guarantees as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >: </font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:10.5pt;' ><td style='width:240.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:240.75pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:106.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Maximum potential</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:106.5pt;' ></td></tr><tr style='height:10.5pt;' ><td style='width:240.75pt;text-align:left;border-color:Black;min-width:240.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:106.5pt;text-align:center;border-color:Black;min-width:106.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > undiscounted future</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:37.5pt;text-align:center;border-color:Black;min-width:37.5pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:9.75pt;text-align:center;border-color:Black;min-width:9.75pt;' ></td><td style='width:37.5pt;text-align:center;border-color:Black;min-width:37.5pt;' ></td></tr><tr style='height:10.5pt;' ><td style='width:240.75pt;text-align:left;border-color:Black;min-width:240.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:106.5pt;text-align:center;border-color:Black;min-width:106.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >payments</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:106.5pt;text-align:center;border-color:Black;min-width:106.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Related liability</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td></tr><tr style='height:10.5pt;' ><td style='width:240.75pt;text-align:left;border-color:Black;min-width:240.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:106.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Billions)</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:106.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td></tr><tr style='height:12.75pt;' ><td style='width:240.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:240.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Type of Guarantee</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:47.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:47.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:47.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:47.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:12.75pt;' ><td style='width:240.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:240.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card and travel operations</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(c)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 44 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >44</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 43 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 88 </font></td></tr><tr style='height:12.75pt;' ><td style='width:240.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:240.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(d)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 71 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:9.75pt;' ></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 73 </font></td></tr><tr style='height:12.75pt;' ><td style='width:240.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:240.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 45 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >45</font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 114 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:9.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:9.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:37.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >161</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Represents the notional amounts </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >that could be lost under the guarantees an</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >d indemnifications if there were</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > a total default by the guaranteed parties</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > The maximum potential undiscounted future payments for Merchant Protection are measured using management&#8217;s best estimate of maximum exposure based on all eligible claims in relation to annual billed business volumes. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Included in </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >other liabilities on the </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Company&#8217;s Consolidated Balance Sheets. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Primarily includes Return Protection and Merchant Protection</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Primarily includes guarantees related to the Company&#8217;s business dispositions</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >real estate</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and joint ventures.</font></li></ul></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_GuaranteesTablesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_GuaranteesTablesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfGuaranteeObligationsTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of each guarantee obligation, or each group of similar guarantee obligations, including (a) the nature of the guarantee, including its term, how it arose, and the events or circumstances that would require the guarantor to perform under the guarantee; (b) the maximum potential amount of future payments (undiscounted) the guarantor could be required to make under the guarantee; (c) the current carrying amount of the liability, if any, for the guarantor's obligations under the guarantee; and (d) the nature of any recourse provisions under the guarantee, and any assets held either as collateral or by third parties, and any relevant related party disclosure. Excludes disclosures about product warranties.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 460<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6851643&amp;loc=d3e12069-110248<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 460<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6851643&amp;loc=d3e12265-110248<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfGuaranteeObligationsTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>85
<FILENAME>R51.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E6EAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Reserves For Losses (Details 3) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract', window );"><strong>Card Member Loans And Related Reserves Evaluated Separately And Collectively For Impairment [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_CardmemberLoansEvaluatedSeparatelyForImpairment', window );">Card Member loans evaluated individually for impairment</a></td>
        <td class="nump">$ 309<span></span></td>
        <td class="nump">$ 378<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ReservesOnCardmemberLoansEvaluatedSeparatelyForImpairment', window );">Reserves on Card Member loans evaluated individually for impairment</a></td>
        <td class="nump">70<span></span></td>
        <td class="nump">84<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_CardmemberLoansEvaluatedCollectivelyForImpairment', window );">Card Member loans evaluated collectively for impairment</a></td>
        <td class="nump">65,748<span></span></td>
        <td class="nump">66,860<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ReservesOnCardmemberLoansEvaluatedCollectivelyForImpairment', window );">Reserves on Card Member loans evaluated collectively for impairment</a></td>
        <td class="nump">$ 1,076<span></span></td>
        <td class="nump">$ 1,177<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_CardmemberLoansAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_CardmemberLoansEvaluatedCollectivelyForImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents cardmember loans evaluated collectively for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_CardmemberLoansEvaluatedCollectivelyForImpairment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_CardmemberLoansEvaluatedSeparatelyForImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents cardmember loans that are evaluated separately for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_CardmemberLoansEvaluatedSeparatelyForImpairment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_ReservesOnCardmemberLoansEvaluatedCollectivelyForImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents reserves on cardmember loans evaluated collectively for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_ReservesOnCardmemberLoansEvaluatedCollectivelyForImpairment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_ReservesOnCardmemberLoansEvaluatedSeparatelyForImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents reserves on cardmember loans that are evaluated separately for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_ReservesOnCardmemberLoansEvaluatedSeparatelyForImpairment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>86
<FILENAME>R21.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Income Taxes<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Tax Disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureTextBlock', window );">Income Taxes</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-20.15pt;' >12</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >. </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' > </font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >Income Taxes</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The Company is under continuous examination by the Internal Revenue Service (IRS) and tax authorities in other countries and states in which the Company has significant business operations. The tax years under examination and open </font><font style='font-family:Times New Roman;font-size:11pt;' >for examination vary by jurisdiction. The IRS has completed its field examination of the Company&#8217;s federal tax returns for years through 2007; however, refund claims for certain years continue to be reviewed by the IRS. In addition, the Company is currentl</font><font style='font-family:Times New Roman;font-size:11pt;' >y under examination by the IRS for the years</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >2008</font><font style='font-family:Times New Roman;font-size:11pt;' > through </font><font style='font-family:Times New Roman;font-size:11pt;' >2011</font><font style='font-family:Times New Roman;font-size:11pt;' >.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The Company believes it is reasonably possible that its unrecognized tax benefits could decrease within the next 12&#160;months by as much as </font><font style='font-family:Times New Roman;font-size:11pt;' >$</font><font style='font-family:Times New Roman;font-size:11pt;' >686</font><font style='font-family:Times New Roman;font-size:11pt;' > million principally as a result of p</font><font style='font-family:Times New Roman;font-size:11pt;' >otential resolutions of prior years&#8217; tax items with various taxing authorities. The prior years&#8217; tax items include unrecognized tax benefits relating to the deductibility of certain expenses or losses and the attribution of taxable income to a particular j</font><font style='font-family:Times New Roman;font-size:11pt;' >urisdiction or jurisdictions. Of the </font><font style='font-family:Times New Roman;font-size:11pt;' >$</font><font style='font-family:Times New Roman;font-size:11pt;' >686</font><font style='font-family:Times New Roman;font-size:11pt;' > million of unrecognized tax benefits, approximately </font><font style='font-family:Times New Roman;font-size:11pt;' >$</font><font style='font-family:Times New Roman;font-size:11pt;' >529</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >million relates to amounts that if recognized would be recorded to shareholders&#8217; equity and would not impact the </font><font style='font-family:Times New Roman;font-size:11pt;' >Company&#8217;s </font><font style='font-family:Times New Roman;font-size:11pt;' >results of operations or the </font><font style='font-family:Times New Roman;font-size:11pt;' >effec</font><font style='font-family:Times New Roman;font-size:11pt;' >tive tax rate. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The </font><font style='font-family:Times New Roman;font-size:11pt;' >effective tax rate was </font><font style='font-family:Times New Roman;font-size:11pt;' >34.2</font><font style='font-family:Times New Roman;font-size:11pt;' > percent and </font><font style='font-family:Times New Roman;font-size:11pt;' >34.4</font><font style='font-family:Times New Roman;font-size:11pt;' > percent for the three </font><font style='font-family:Times New Roman;font-size:11pt;' >and nine months </font><font style='font-family:Times New Roman;font-size:11pt;' >ended </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' >, respectively</font><font style='font-family:Times New Roman;font-size:11pt;' >. The effective tax rate was </font><font style='font-family:Times New Roman;font-size:11pt;' >31.8</font><font style='font-family:Times New Roman;font-size:11pt;' > percent and </font><font style='font-family:Times New Roman;font-size:11pt;' >31.4</font><font style='font-family:Times New Roman;font-size:11pt;' > percent for the </font><font style='font-family:Times New Roman;font-size:11pt;' >three and nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >, respectively. The tax rate for the </font><font style='font-family:Times New Roman;font-size:11pt;' >three and nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' > reflects the resolution of certain prior years&#8217; tax items as well as the reversal of a valuation allowance related to deferred tax assets within the business travel o</font><font style='font-family:Times New Roman;font-size:11pt;' >rganization. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The tax rates for all periods reflect the level of pretax income in relation to recurring permanent tax benefits and geographic mix of business. </font></p></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32718-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32559-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>87
<FILENAME>R26.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EVNAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Significant Accounting Policies (Policies)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AccountsReceivableAndLoansPolicyAbstract', window );"><strong>Accounts Receivable And Loans and Reserves For Card Member Losses [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinanceLoansAndLeasesReceivablePolicy', window );">Card Member and Other Receivables and Loans</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:9pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >T</font><font style='font-family:Times New Roman;font-size:11pt;' >he Company&#8217;s charge and lending payment card products result in the generation of </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > receivables and </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > loans, respectively. </font><font style='font-family:Times New Roman;font-size:11pt;' >For information on the Company&#8217;s</font><font style='font-family:Times New Roman;font-size:11pt;' > accounts receivable and loans and the related</font><font style='font-family:Times New Roman;font-size:11pt;' > accounting policies, refer to </font><font style='font-family:Times New Roman;font-size:11pt;' >Note 4 on pages 7</font><font style='font-family:Times New Roman;font-size:11pt;' >2</font><font style='font-family:Times New Roman;font-size:11pt;' > &#8211; </font><font style='font-family:Times New Roman;font-size:11pt;' >76</font><font style='font-family:Times New Roman;font-size:11pt;' > of the Annual Report.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' >Impaired Card Member Loans and R</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' >eceivables</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >Impaired loans and receivables are </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >individual larger balance or homogeneous pools of smaller balance loans and r</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >eceivables for which it is probable that the Company will be unable to collect all amounts due according to the original contractual terms of the </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >Card Member agreement. For</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > information on impaired Ca</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >rd Member loans and receivables and the related </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >accounting policies</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, refer </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >to </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >Note 4 on </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >pages 7</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >4 &#8211; 76 </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >of the Annual Report.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ReservesForLossesPolicyAbstract', window );"><strong>Reserves For Losses Policy [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReceivablesTradeAndOtherAccountsReceivableAllowanceForDoubtfulAccountsPolicy', window );">Reserves for losses</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >Reserves for losses relating to </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > loans and receivables represent management&#8217;s best estimate of the probable </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >losses </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >inherent in the Company&#8217;s outstanding portfolio of loans and receivables,</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > as of the balance sheet date. </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >Management&#8217;s evaluation process requires certain estimates and judgments. </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >For information on the Company&#8217;s reserves for losses and the related accountin</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >g policies, refer to </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >Note 5</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >on pages 77 &#8211; 78</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > of the Annual Report. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ></p></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_InvestmentsPolicyAbstract', window );"><strong>Investments [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentPolicyTextBlock', window );">Investments</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:9pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >Investment securities include debt and equity securities </font><font style='font-family:Times New Roman;font-size:11pt;' >that the Company</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >classifies </font><font style='font-family:Times New Roman;font-size:11pt;' >as available for sale. The Company&#8217;s investment securities, principally debt securities, are carried at fair value on the Consolidated Balanc</font><font style='font-family:Times New Roman;font-size:11pt;' >e Sheets with unrealized</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >gains (losses) recorded in </font><font style='font-family:Times New Roman;font-size:11pt;' >Accumulated Other Comprehensive Income (AOCI)</font><font style='font-family:Times New Roman;font-size:11pt;' >, net of income</font><font style='font-family:Times New Roman;font-size:11pt;' > taxes</font><font style='font-family:Times New Roman;font-size:11pt;' >. Realized gains and losses are recognized in results of operations upon disposition of the securities using the specific identification method on a trade date basis. </font><font style='font-family:Times New Roman;font-size:11pt;' >F</font><font style='font-family:Times New Roman;font-size:11pt;' >or </font><font style='font-family:Times New Roman;font-size:11pt;' >information on the </font><font style='font-family:Times New Roman;font-size:11pt;' >Company&#8217;s methodology for de</font><font style='font-family:Times New Roman;font-size:11pt;' >termining the fair value of </font><font style='font-family:Times New Roman;font-size:11pt;' >investment securities</font><font style='font-family:Times New Roman;font-size:11pt;' > and related accounting policies, r</font><font style='font-family:Times New Roman;font-size:11pt;' >efer to Note </font><font style='font-family:Times New Roman;font-size:11pt;' >3</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >on pages </font><font style='font-family:Times New Roman;font-size:11pt;' >68</font><font style='font-family:Times New Roman;font-size:11pt;' > &#8211; </font><font style='font-family:Times New Roman;font-size:11pt;' >71</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >of the Annual Report</font><font style='font-family:Times New Roman;font-size:11pt;' >.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >Overall, for the investment securities in gross unrealized loss positions</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > (</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >i</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >)&#160;the Company does not </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >currently </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >intend to sell the investment </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >securities, (ii</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >)&#160;it is more likely than not that the</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > Company will not be required to sell the investment securities before recovery of the unrealized losses</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, and (iii</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >)&#160;the Company expects that the contractual principal and interest will be received on the investment securities. As a result, the Company reco</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >gnized no other-than-temporary impairment</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > during the periods presented.</font></p></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AssetSecuritizationPolicyAbstract', window );"><strong>Asset Securitization [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock', window );">Asset Securitizations</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The Company periodically securitizes </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > receivables and loans arising from its card business through the transfer of those assets to securitization trusts. The trusts then issue securities to third-party investors, collaterali</font><font style='font-family:Times New Roman;font-size:11pt;' >zed by the transferred assets. </font><font style='font-family:Times New Roman;font-size:11pt;' >For information on the Company&#8217;s asset</font><font style='font-family:Times New Roman;font-size:11pt;' > securitizations and related account</font><font style='font-family:Times New Roman;font-size:11pt;' >ing policies</font><font style='font-family:Times New Roman;font-size:11pt;' >,</font><font style='font-family:Times New Roman;font-size:11pt;' > refer to </font><font style='font-family:Times New Roman;font-size:11pt;' >Note 7</font><font style='font-family:Times New Roman;font-size:11pt;' > on</font><font style='font-family:Times New Roman;font-size:11pt;' > page 80</font><font style='font-family:Times New Roman;font-size:11pt;' > of the Annual Report.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_DerivativesAndHedgingActivitiesPolicyAbstract', window );"><strong>Derivatives And Hedging Activities [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesPolicyTextBlock', window );">Derivatives</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >The Company uses derivative financial instruments (derivatives) to manage exposures to various market risks. Derivatives derive their value from an underlying variable or multiple variables, including </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >interest rate, foreign exchange, and equity index or price. These instruments enable end users to increase, reduce or alter exposure to various market risks and, for that reason, are an integral component of the Com</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >pany&#8217;s market risk management. </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >The Compan</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >y does not engage in derivatives for trading purposes.</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > For information on the Company&#8217;s derivative instruments and the related accounting policies, refer to Note 12 on pages 87 &#8211; 90 of the Annual Report.  </font></p><p style='text-align:justify;line-height:12pt;' ></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' ></p><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' >Der</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;color:#000000;' >ivative Financial Instruments that Qualify for Hedge Accounting </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:10pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >Refer to Note 12 on</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > pages </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >89 &#8211; 90</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > of the Annual Report for information on derivatives that qualify for hedge accounting.</font></p><p style='text-align:justify;line-height:10pt;' ></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;color:#000000;' >Derivatives Not Designated as Hedges</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >For information on derivatives not designated as hedges, refer to Note 12 on page 90 of the Annual Report.</font></p><p style='text-align:justify;line-height:13.8pt;' ></p></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FairValuePolicyAbstract', window );"><strong>Fair Value [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueOfFinancialInstrumentsPolicy', window );">Fair Values</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:9pt;margin-bottom:0pt;line-height:11.5pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >For </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >information about the </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >Company&#8217;s valuation </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >techniques</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > for</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > financial</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > assets and </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >financial </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >liabilities measured at fair value and the fair value </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >hierarchy, refer to Note 3 on pages 68 &#8211; 70 </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >of </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >the Annual Report. </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >Refer to</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > Note 12 on pages </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >87</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > &#8211; 90</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > of the Annual Report for additional information about the fair value of the Company&#8217;s derivative financial instruments.</font></p><p style='text-align:justify;line-height:11.5pt;' ></p></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract', window );"><strong>Commitments and Contingencies [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesPolicyTextBlock', window );">Commitments and contingencies</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The Company has recorded liabilities for certain of its outstanding legal proceedings and governmental examinations. A liability is accrued when it is both (a) proba</font><font style='font-family:Times New Roman;font-size:11pt;' >ble that a loss has occurred and (b) the amount of lo</font><font style='font-family:Times New Roman;font-size:11pt;' >ss can be reasonably estimated. T</font><font style='font-family:Times New Roman;font-size:11pt;' >here may be </font><font style='font-family:Times New Roman;font-size:11pt;' >instances in which </font><font style='font-family:Times New Roman;font-size:11pt;' >an exposure to loss </font><font style='font-family:Times New Roman;font-size:11pt;' >exceeds the accrued liability</font><font style='font-family:Times New Roman;font-size:11pt;' >. The Company evaluates, on a quarterly basis, developments in legal proceedings and gover</font><font style='font-family:Times New Roman;font-size:11pt;' >nmental examinations that could cause an increase or decrease in the amount of the liability that has been previously accrued</font><font style='font-family:Times New Roman;font-size:11pt;' > or a revision to the disclosed estimated range of possible losses, as applicable</font><font style='font-family:Times New Roman;font-size:11pt;' >. </font></p><p style='text-align:justify;line-height:12pt;' ></p></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_AccountsReceivableAndLoansPolicyAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_AccountsReceivableAndLoansPolicyAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_AssetSecuritizationPolicyAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_AssetSecuritizationPolicyAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_DerivativesAndHedgingActivitiesPolicyAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_DerivativesAndHedgingActivitiesPolicyAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_FairValuePolicyAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_FairValuePolicyAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_InvestmentsPolicyAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_InvestmentsPolicyAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_ReservesForLossesPolicyAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_ReservesForLossesPolicyAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommitmentsAndContingenciesDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommitmentsAndContingenciesPolicyTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for commitments and contingencies, which may include policies for recognizing and measuring loss and gain contingencies.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 954<br><br> -SubTopic 450<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6491354&amp;loc=d3e6052-115624<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 460<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2155897<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 460<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6398077&amp;loc=d3e12565-110249<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 954<br><br> -SubTopic 450<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6491354&amp;loc=d3e6049-115624<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommitmentsAndContingenciesPolicyTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativesPolicyTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for its derivative instruments and hedging activities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41620-113959<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5579245-113959<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5579240-113959<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41638-113959<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(n))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph n<br><br> -Article 4<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41675-113959<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativesPolicyTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueOfFinancialInstrumentsPolicy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for determining the fair value of financial instruments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2155942<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FairValueOfFinancialInstrumentsPolicy</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinanceLoansAndLeasesReceivablePolicy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for finance, loan and lease receivables, including those held for investment and those held for sale. This disclosure may include (1) the basis at which such receivables are carried in the entity's statements of financial position (2) how the level of the allowance for loan and lease losses is determined (3) when impairments, charge-offs or recoveries are recognized for such receivables (4) the treatment of origination fees and costs, including the amortization method for net deferred fees or costs (5) the treatment of any premiums or discounts or unearned income (6) the entity's income recognition (revenues, expenses and gains and losses arising from committing to issue, issuing, granting, collecting, terminating, modifying and holding loans) policies for such receivables, including those that are impaired, past due or placed on nonaccrual status and (7) the treatment of foreclosures or repossessions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5144-111524<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378556&amp;loc=d3e10133-111534<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5093-111524<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (b,d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5212-111524<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3-5<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinanceLoansAndLeasesReceivablePolicy</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentPolicyTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for investments in financial assets, including marketable securities (debt and equity securities with readily determinable fair values), investments accounted for under the equity method and cost method, securities borrowed and loaned, and repurchase and resale agreements. For marketable securities, the disclosure may include the entity's accounting treatment for transfers between investment categories and how the fair values for such securities are determined. Also, for all investments, an entity may describe its policy for assessing, recognizing and measuring impairment of the investment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 325<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872867&amp;loc=d3e40691-111596<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13433-108611<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 323<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6382943&amp;loc=d3e33918-111571<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 5<br><br> -Section M<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2,12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 2, 12<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InvestmentPolicyTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ReceivablesTradeAndOtherAccountsReceivableAllowanceForDoubtfulAccountsPolicy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for determining the allowance for doubtful accounts for trade and other accounts receivable balances, and when impairments, charge-offs or recoveries are recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 4<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5144-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ReceivablesTradeAndOtherAccountsReceivableAllowanceForDoubtfulAccountsPolicy</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for transfers and servicing financial assets, including securitization transactions as well as repurchase and resale agreements. This disclosure may include how the entity (1) determines whether a transaction is accounted for as a sale; (2) accounts for a sale transaction, including the initial and subsequent accounting for any interests that the entity obtains or continues to hold in the transaction, how such interests are valued, and the significant assumptions used in the valuation; (3) accounts for a transaction that does not qualify for sale treatment (that is, a financing); and (4) accounts for its servicing assets and liabilities ("servicing"), including how such servicing is measured initially and subsequently, and the methodology and significant assumptions used to value such servicing.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 50<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7882072&amp;loc=d3e122625-111746<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 50<br><br> -Section 50<br><br> -Paragraph 4<br><br> -Subparagraph (a),(c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7882072&amp;loc=d3e122739-111746<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379141&amp;loc=d3e15029-111544<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 50<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7882072&amp;loc=d3e122596-111746<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=13989330&amp;loc=d3e107314-111719<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 30<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2197663<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 20<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2197627<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2197591<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=13989330&amp;loc=d3e107207-111719<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 50<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2197735<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>88
<FILENAME>R49.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E6EAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Reserves for Losses (Details 1) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract', window );"><strong>Card Member Receivables And Related Reserves Evaluated Separately and Collectively For Impairment [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Card Member receivables evaluated individually for impairment</a></td>
        <td class="nump">$ 44<span></span></td>
        <td class="nump">$ 50<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Reserves on Card Member receivables evaluated individually for impairment</a></td>
        <td class="nump">32<span></span></td>
        <td class="nump">38<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Card Member receivables evaluated collectively for impairment</a></td>
        <td class="nump">45,073<span></span></td>
        <td class="nump">44,113<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Reserves on Card Member receivables evaluated collectively for impairment</a></td>
        <td class="nump">$ 400<span></span></td>
        <td class="nump">$ 348<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_CardmemberReceivablesAndRelatedReservesEvaluatedSeparatelyAndCollectivelyForImpairmentAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The valuation allowance for financing receivables that are expected to be uncollectible that were collectively evaluated for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of valuation allowance for financing receivables that are expected to be uncollectible that were individually evaluated for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The balance of financing receivables that were collectively evaluated for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (h)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The balance of financing receivables that were individually evaluated for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (h)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>89
<FILENAME>R41.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EDBBG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Accounts Receivable and Loans (Details 1) (USD $)<br></strong></div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LoansAndLeasesReceivablesDisclosureAbstract', window );"><strong>Loans segment information</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard', window );">Card Member loans, gross</a></td>
        <td class="nump">$ 66,057,000,000<span></span></td>
        <td class="nump">$ 67,238,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Less: Reserve for losses</a></td>
        <td class="nump">1,146,000,000<span></span></td>
        <td class="nump">1,261,000,000<span></span></td>
        <td class="nump">1,281,000,000<span></span></td>
        <td class="nump">1,471,000,000<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Card Member loans, net</a></td>
        <td class="nump">64,911,000,000<span></span></td>
        <td class="nump">65,977,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountOther', window );">Other loans, net</a></td>
        <td class="nump">855,000,000<span></span></td>
        <td class="nump">608,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AccountsReceivableAndLoansTextualsAbstract', window );"><strong>Accounts Receivable and Loans Textuals [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableOtherAllowance', window );">Other loans, reserves</a></td>
        <td class="nump">11,000,000<span></span></td>
        <td class="nump">13,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Variable Interest Enterprise [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LoansAndLeasesReceivablesDisclosureAbstract', window );"><strong>Loans segment information</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard', window );">Card Member loans, gross</a></td>
        <td class="nump">28,310,000,000<span></span></td>
        <td class="nump">31,245,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U S Card Services [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LoansAndLeasesReceivablesDisclosureAbstract', window );"><strong>Loans segment information</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard', window );">Card Member loans, gross</a></td>
        <td class="nump">58,012,000,000<span></span></td>
        <td class="nump">58,395,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U S Card Services [Member] | Variable Interest Enterprise [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AccountsReceivableAndLoansTextualsAbstract', window );"><strong>Accounts Receivable and Loans Textuals [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_GrossLoansAvailableToSettleObligationsOfConsolidatedVariableInterestEntity', window );">Gross Card Member loans available to settle the obligations of a variable interest entity</a></td>
        <td class="nump">28,300,000,000<span></span></td>
        <td class="nump">31,200,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">International Card Services [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LoansAndLeasesReceivablesDisclosureAbstract', window );"><strong>Loans segment information</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard', window );">Card Member loans, gross</a></td>
        <td class="nump">7,999,000,000<span></span></td>
        <td class="nump">8,790,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Global Commercial Services [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_LoansAndLeasesReceivablesDisclosureAbstract', window );"><strong>Loans segment information</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard', window );">Card Member loans, gross</a></td>
        <td class="nump">$ 46,000,000<span></span></td>
        <td class="nump">$ 53,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_AccountsReceivableAndLoansTextualsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_AccountsReceivableAndLoansTextualsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_GrossLoansAvailableToSettleObligationsOfConsolidatedVariableInterestEntity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the amount of gross loans available to settle the obligations of a consolidated variable interest entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_GrossLoansAvailableToSettleObligationsOfConsolidatedVariableInterestEntity</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_LoansAndLeasesReceivablesDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_LoansAndLeasesReceivablesDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableAllowance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(d))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph d<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (b)(1)(ii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379141&amp;loc=d3e15032-111544<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section L<br><br> -Subsection 1<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableAllowance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allowance of credit card loans issued to individuals. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph a, b<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph a<br><br> -Article 9<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(a)(4),(b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableConsumerRevolvingCreditCard</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetReportedAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of other loans and leases not otherwise specified in the taxonomy. Excludes loans and leases covered under loss sharing agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5074-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5066-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetReportedAmountOther</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableOtherAllowance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The allowance for other loan and lease losses represents the reserve to cover probable credit losses related to specifically identified other loans and leases, as well as probable credit losses inherent in the remainder of the other loan portfolio as of the balance sheet date. For banks, include currently required allocated transfer risk reserves. Include carryover of or adjustments to the allowance for other loan losses in connection with business combinations determined to be appropriate.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5212-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(d))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph d<br><br> -Article 9<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section L<br><br> -Subsection 1<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 40<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25495931&amp;loc=d3e18832-111554<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74567-122707<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 40<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25495931&amp;loc=d3e18805-111554<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableOtherAllowance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>90
<FILENAME>R5.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ELKAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Consolidated Statements of Comprehensive Income (Parenthetical) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherComprehensiveIncomeLossTextualsAbstract', window );"><strong>Other Comprehensive Income Loss Textuals [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax', window );">Net unrealized securities gains (losses), tax</a></td>
        <td class="num">$ (5.00)<span></span></td>
        <td class="num">$ (30.00)<span></span></td>
        <td class="nump">$ 19.00<span></span></td>
        <td class="num">$ (120.00)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax', window );">Foreign currency translation adjustments, tax</a></td>
        <td class="nump">119.00<span></span></td>
        <td class="num">(48.00)<span></span></td>
        <td class="nump">41.00<span></span></td>
        <td class="nump">83.00<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax', window );">Net unrealized pension and other postretirement benefit gains, tax</a></td>
        <td class="nump">$ 9.00<span></span></td>
        <td class="nump">$ 6.00<span></span></td>
        <td class="nump">$ 29.00<span></span></td>
        <td class="nump">$ 37.00<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_OtherComprehensiveIncomeLossTextualsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_OtherComprehensiveIncomeLossTextualsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of tax expense (benefit), after reclassification adjustments, of appreciation (loss) in value of unsold available-for-sale securities. Excludes amounts related to other than temporary impairment (OTTI) loss.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 10A<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669646-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e640-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of tax expense (benefit), after reclassification adjustments of gain (loss) on foreign currency translation adjustments, foreign currency transactions designated and effective as economic hedges of a net investment in a foreign entity and intra-entity foreign currency transactions that are of a long-term-investment nature.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 10A<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669646-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e640-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of tax (expense) benefit, after reclassification adjustments, of (increase) decrease in accumulated other comprehensive (income) loss related to pension and other postretirement defined benefit plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e640-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 10A<br><br> -Subparagraph (i-k)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669646-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>91
<FILENAME>R10.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Summary of Significant Accounting Policies<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureTextBlockAbstract', window );"><strong>Disclosure Text Block [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock', window );">Basis of Presentation</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:4.5pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-14.4pt;' >1</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >.  Basis of Presentation</font></p><p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;' >The Company</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >American Express Company (the Company) is a global services company that provides customers with access to products, insights and experiences that enrich lives and build business success. The Company&#8217;s </font><font style='font-family:Times New Roman;font-size:11pt;' >principal products and services are charge and credit payment card products and travel-related services offered to consumers and businesses around the world. </font><font style='font-family:Times New Roman;font-size:11pt;' >Effective July 1, 2014, business travel-related services are offered through the non-consolidated </font><font style='font-family:Times New Roman;font-size:11pt;' >joint venture, American Express </font><font style='font-family:Times New Roman;font-size:11pt;' >Global Business Travel (GBT JV). Prior to July 1, 2014, the business travel operations were previously wholly owned. </font><font style='font-family:Times New Roman;font-size:11pt;' >The Company also focuses on generating alternative sources of revenue on a global basis in areas such as o</font><font style='font-family:Times New Roman;font-size:11pt;' >nline and mobile payments and fee-based services. The Company&#8217;s various products and services are sold globally to diverse customer groups, including consumers, small businesses, mid-sized companies and large corporations. These products and services are s</font><font style='font-family:Times New Roman;font-size:11pt;' >old through various channels, including direct mail, online applications, targeted direct and third-party sales forces and direct response advertising.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The accompanying Consolidated Financial Statements should be read in conjunction with the financial sta</font><font style='font-family:Times New Roman;font-size:11pt;' >tements incorporated by reference in the Company&#8217;s Annual Report on Form 10-K for the year ended</font><font style='font-family:Times New Roman;font-size:12pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >December 31,</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' > (the </font><font style='font-family:Times New Roman;font-size:11pt;' >Annual Report</font><font style='font-family:Times New Roman;font-size:11pt;' >).</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The interim consolidated financial information in this report has not been audited. In the opinion of management, al</font><font style='font-family:Times New Roman;font-size:11pt;' >l adjustments, which consist of normal recurring adjustments necessary for a fair statement of the interim period consolidated financial information, have been made. Results of operations reported for interim periods are not necessarily indicative of resul</font><font style='font-family:Times New Roman;font-size:11pt;' >ts for the entire year.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America (GAAP) requires management to make estimates and assumptions that affect the reported </font><font style='font-family:Times New Roman;font-size:11pt;' >amounts of assets, liabilities, revenue and expense, and the disclosures of contingent assets and liabilities. These accounting estimates reflect the best judgment of management, but actual results could differ.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >Certain reclassifications of prior period </font><font style='font-family:Times New Roman;font-size:11pt;' >amounts have been made to conform to the current period presentation. These reclassifications did not have a material impact on the Company&#8217;s financial position, results of operations or cash flows.</font></p><p style='text-align:justify;margin-top:9pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;text-decoration:underline;margin-left:0pt;' >Recently Issued Accounting Standards</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >Accounting Standards</font><font style='font-family:Times New Roman;font-size:11pt;' > Update No. 2014-09, Revenue Recognition (Topic 606): Revenue from Contracts with Customers was issued on May 28, 2014.&#160; The guidance establishes the principles to apply to determine the amount and timing of revenue recognition, specifying the accounting f</font><font style='font-family:Times New Roman;font-size:11pt;' >or certain costs related to revenue, and requiring additional disclosures about the nature, amount, timing and uncertainty of re</font><font style='font-family:Times New Roman;font-size:11pt;' >venues and related cash flows.&#160;</font><font style='font-family:Times New Roman;font-size:11pt;' >The guidance supersedes most of the current revenue recognition requirements, and will be effect</font><font style='font-family:Times New Roman;font-size:11pt;' >ive January 1, 2017.&#160;</font><font style='font-family:Times New Roman;font-size:11pt;' >The Company is currently evaluating the impact this guidance, including the method of implementation, will have on its financial position, results of operations and cash flows, among other items.</font><font style='font-family:Times New Roman;font-size:11pt;' > </font></p><p style='text-align:justify;line-height:12pt;' ></p></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DisclosureTextBlockAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DisclosureTextBlockAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for organization, consolidation and basis of presentation of financial statements disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 720<br><br> -SubTopic 15<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2122524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28200181&amp;loc=SL6228881-111685<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7668296&amp;loc=d3e288-107754<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2197480<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=d3e5614-111684<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 915<br><br> -SubTopic 235<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6472506&amp;loc=d3e38932-110933<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 852<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2209116<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 272<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6373374&amp;loc=d3e70478-108055<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 275<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2134480<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2122150<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6359566&amp;loc=d3e326-107755<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>92
<FILENAME>R58.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EQBAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Asset Securitizations (Details) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AssetsFromTrustsLineItems', window );"><strong>Assets from Trusts [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestrictedCashAndCashEquivalents', window );">Restricted cash</a></td>
        <td class="nump">$ 44<span></span></td>
        <td class="nump">$ 58<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">American Express Charge Trust [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AssetsFromTrustsLineItems', window );"><strong>Assets from Trusts [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestrictedCashAndCashEquivalents', window );">Restricted cash</a></td>
        <td class="nump">1<span></span></td>
        <td class="nump">2<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">American Express Lending Trust [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AssetsFromTrustsLineItems', window );"><strong>Assets from Trusts [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestrictedCashAndCashEquivalents', window );">Restricted cash</a></td>
        <td class="nump">$ 43<span></span></td>
        <td class="nump">$ 56<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_AssetsFromTrustsLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_AssetsFromTrustsLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RestrictedCashAndCashEquivalents">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The carrying amounts of cash and cash equivalent items which are restricted as to withdrawal or usage. Restrictions may include legally restricted deposits held as compensating balances against borrowing arrangements, contracts entered into with others, or entity statements of intention with regard to particular deposits; however, time deposits and short-term certificates of deposit are not generally included in legally restricted deposits. Excludes compensating balance arrangements that are not agreements which legally restrict the use of cash amounts shown on the balance sheet. This element is for unclassified presentations; for classified presentations there is a separate and distinct element.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RestrictedCashAndCashEquivalents</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>93
<FILENAME>R82.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EH2AI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Reportable Operating Segments and Geographic Operations (Details) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest revenues</a></td>
        <td class="nump">$ 6,934<span></span></td>
        <td class="nump">$ 7,018<span></span></td>
        <td class="nump">$ 21,137<span></span></td>
        <td class="nump">$ 20,699<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
        <td class="nump">1,815<span></span></td>
        <td class="nump">1,767<span></span></td>
        <td class="nump">5,350<span></span></td>
        <td class="nump">5,223<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
        <td class="nump">420<span></span></td>
        <td class="nump">484<span></span></td>
        <td class="nump">1,302<span></span></td>
        <td class="nump">1,495<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_TotalRevenuesNetOfInterestExpense', window );">Total revenues, net of interest expense</a></td>
        <td class="nump">8,329<span></span></td>
        <td class="nump">8,301<span></span></td>
        <td class="nump">25,185<span></span></td>
        <td class="nump">24,427<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">1,477<span></span></td>
        <td class="nump">1,366<span></span></td>
        <td class="nump">4,438<span></span></td>
        <td class="nump">4,051<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U S Card Services [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest revenues</a></td>
        <td class="nump">3,214<span></span></td>
        <td class="nump">3,050<span></span></td>
        <td class="nump">9,453<span></span></td>
        <td class="nump">8,991<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
        <td class="nump">1,465<span></span></td>
        <td class="nump">1,408<span></span></td>
        <td class="nump">4,296<span></span></td>
        <td class="nump">4,148<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
        <td class="nump">152<span></span></td>
        <td class="nump">172<span></span></td>
        <td class="nump">455<span></span></td>
        <td class="nump">532<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_TotalRevenuesNetOfInterestExpense', window );">Total revenues, net of interest expense</a></td>
        <td class="nump">4,527<span></span></td>
        <td class="nump">4,286<span></span></td>
        <td class="nump">13,294<span></span></td>
        <td class="nump">12,607<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">889<span></span></td>
        <td class="nump">782<span></span></td>
        <td class="nump">2,535<span></span></td>
        <td class="nump">2,329<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">International Card Services [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest revenues</a></td>
        <td class="nump">1,206<span></span></td>
        <td class="nump">1,161<span></span></td>
        <td class="nump">3,571<span></span></td>
        <td class="nump">3,415<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
        <td class="nump">273<span></span></td>
        <td class="nump">281<span></span></td>
        <td class="nump">825<span></span></td>
        <td class="nump">830<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
        <td class="nump">85<span></span></td>
        <td class="nump">86<span></span></td>
        <td class="nump">259<span></span></td>
        <td class="nump">273<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_TotalRevenuesNetOfInterestExpense', window );">Total revenues, net of interest expense</a></td>
        <td class="nump">1,394<span></span></td>
        <td class="nump">1,356<span></span></td>
        <td class="nump">4,137<span></span></td>
        <td class="nump">3,972<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">142<span></span></td>
        <td class="nump">142<span></span></td>
        <td class="nump">378<span></span></td>
        <td class="nump">528<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Global Commercial Services [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest revenues</a></td>
        <td class="nump">957<span></span></td>
        <td class="nump">1,277<span></span></td>
        <td class="nump">3,538<span></span></td>
        <td class="nump">3,787<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
        <td class="nump">4<span></span></td>
        <td class="nump">3<span></span></td>
        <td class="nump">11<span></span></td>
        <td class="nump">9<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
        <td class="nump">61<span></span></td>
        <td class="nump">59<span></span></td>
        <td class="nump">186<span></span></td>
        <td class="nump">181<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_TotalRevenuesNetOfInterestExpense', window );">Total revenues, net of interest expense</a></td>
        <td class="nump">900<span></span></td>
        <td class="nump">1,221<span></span></td>
        <td class="nump">3,363<span></span></td>
        <td class="nump">3,615<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">204<span></span></td>
        <td class="nump">261<span></span></td>
        <td class="nump">949<span></span></td>
        <td class="nump">678<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Global Network And Merchant Services [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest revenues</a></td>
        <td class="nump">1,368<span></span></td>
        <td class="nump">1,309<span></span></td>
        <td class="nump">4,027<span></span></td>
        <td class="nump">3,856<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
        <td class="nump">14<span></span></td>
        <td class="nump">8<span></span></td>
        <td class="nump">35<span></span></td>
        <td class="nump">23<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
        <td class="num">(68)<span></span></td>
        <td class="num">(62)<span></span></td>
        <td class="num">(208)<span></span></td>
        <td class="num">(187)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_TotalRevenuesNetOfInterestExpense', window );">Total revenues, net of interest expense</a></td>
        <td class="nump">1,450<span></span></td>
        <td class="nump">1,379<span></span></td>
        <td class="nump">4,270<span></span></td>
        <td class="nump">4,066<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">427<span></span></td>
        <td class="nump">391<span></span></td>
        <td class="nump">1,243<span></span></td>
        <td class="nump">1,176<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate and Other [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest revenues</a></td>
        <td class="nump">189<span></span></td>
        <td class="nump">221<span></span></td>
        <td class="nump">548<span></span></td>
        <td class="nump">650<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
        <td class="nump">59<span></span></td>
        <td class="nump">67<span></span></td>
        <td class="nump">183<span></span></td>
        <td class="nump">213<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
        <td class="nump">190<span></span></td>
        <td class="nump">229<span></span></td>
        <td class="nump">610<span></span></td>
        <td class="nump">696<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_TotalRevenuesNetOfInterestExpense', window );">Total revenues, net of interest expense</a></td>
        <td class="nump">58<span></span></td>
        <td class="nump">59<span></span></td>
        <td class="nump">121<span></span></td>
        <td class="nump">167<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="num">$ (185)<span></span></td>
        <td class="num">$ (210)<span></span></td>
        <td class="num">$ (667)<span></span></td>
        <td class="num">$ (660)<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_TotalRevenuesNetOfInterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Revenues from discount revenue, net card fees, travel commissions and fees, other commissions and fees, securitization income, net, other related income, and net interest income during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_TotalRevenuesNetOfInterestExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperating">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.1-5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 1, 2 , 3, 4, 5<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestAndDividendIncomeOperating</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of the cost of borrowed funds accounted for as interest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.9)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 9<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e565-108580<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SegmentReportingInformationLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SegmentReportingInformationLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>94
<FILENAME>R69.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E6RAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Fair Values (Details 1) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>Liabilities [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Derivatives</a></td>
        <td class="nump">$ 246<span></span></td>
        <td class="nump">$ 213<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureRecurring', window );">Total liabilities</a></td>
        <td class="nump">246<span></span></td>
        <td class="nump">213<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>Liabilities [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Derivatives</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureRecurring', window );">Total liabilities</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Level 2 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>Liabilities [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Derivatives</a></td>
        <td class="nump">246<span></span></td>
        <td class="nump">213<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureRecurring', window );">Total liabilities</a></td>
        <td class="nump">246<span></span></td>
        <td class="nump">213<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Level 3 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>Liabilities [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Derivatives</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureRecurring', window );">Total liabilities</a></td>
        <td class="nump">$ 0<span></span></td>
        <td class="nump">$ 0<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeFairValueOfDerivativeLiability">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value before effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 20<br><br> -Section 55<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28370219&amp;loc=SL20226000-175313<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20225523&amp;loc=SL20225862-175312<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4B<br><br> -Subparagraph (a),(c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624163-113959<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeFairValueOfDerivativeLiability</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesFairValueDisclosureRecurring">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregation of the liabilities reported on the balance sheet measured at fair value on a recurring basis by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesFairValueDisclosureRecurring</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>95
<FILENAME>R27.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EWGAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Accounts Receivable and Loans (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_AccountsReceivableAndLoansTablesAbstract', window );"><strong>Accounts Receivable and Loans (Tables) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock', window );">Card Member receivables segment detail</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >Accounts receivable </font><font style='font-family:Times New Roman;font-size:11pt;' >by segment </font><font style='font-family:Times New Roman;font-size:11pt;' >as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' > consisted of</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:15.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:15.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td colspan='2' rowspan='1' style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:66.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:12.75pt;' ><td style='width:311.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S. Card Services</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >21,253</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >21,842</font></td></tr><tr style='height:12.75pt;' ><td style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >International Card Services</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >7,273</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >7,771</font></td></tr><tr style='height:12.75pt;' ><td style='width:311.25pt;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Global Commercial Services</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >16,440</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >14,391</font></td></tr><tr style='height:12.75pt;' ><td style='width:311.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Global Network&#160;&amp; Merchant Services</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(c)</font></sup></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >151</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >159</font></td></tr><tr style='height:12.75pt;' ><td style='width:311.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member receivables</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(d)</font></sup></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >45,117</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >44,163</font></td></tr><tr style='height:12.75pt;' ><td style='width:311.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Less: Reserve for losses</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >432</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >386</font></td></tr><tr style='height:12.75pt;' ><td style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member receivables, net</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >44,685</font></td><td style='width:15.75pt;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >43,777</font></td></tr><tr style='height:12.75pt;' ><td style='width:311.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:311.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other receivables, net</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(e)</font></sup></td><td style='width:15.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2,631</font></td><td style='width:15.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3,408</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Includes </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >6.3</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > b</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >illion and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >7.3</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >billion of gross </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > receivables available to settle obligations of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >a </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >consolidated </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >variable interest entity (VIE) as of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, respectively.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Includes</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >672</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > m</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >illion and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >836</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million due from airlines, of which Delta Air Lines (Delta) comprises </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >642</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >628</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million as of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and December </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, respectively.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Includes receivables primarily related to the </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Company&#8217;s International Currency Card portfolios.</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Includes approximately </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >13.5</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > billion</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >13.8</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > billion</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > receivables</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > outside the U.S. as of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, respectively</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other receivables primarily </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >represent amounts</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > related to (</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >i</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >) certain merchants for billed discount revenue and</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(ii) </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Global Network Services (</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >GNS</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >)</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > partner banks for items such as royalty and franchise fees</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >. Additionally, for </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > only, the balance also included purchased GNS </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >joint venture receivables. </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other rec</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >eivables are presented net of reserves for losses of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >44</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >71</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million as of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, respectively.</font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_ScheduleOfLoansAndFinancingReceivableTableTextBlock', window );">Card Member loans segment detail</a></td>
        <td class="text"><div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >
</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;color:#000000;' >Loans as of </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;color:#000000;' > consisted of:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:336.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:12pt;' ><td style='width:336.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >U.S. Card Services</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >58,012</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >58,395</font></td></tr><tr style='height:12pt;' ><td style='width:336.75pt;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >International Card Services</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >7,999</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:56.25pt;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8,790</font></td></tr><tr style='height:12pt;' ><td style='width:336.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Global Commercial Services</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >46</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >53</font></td></tr><tr style='height:12pt;' ><td style='width:336.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member loans</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >66,057</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >67,238</font></td></tr><tr style='height:12pt;' ><td style='width:336.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Less: Reserve for losses</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,146</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,261</font></td></tr><tr style='height:12pt;' ><td style='width:336.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Card Member loans, net</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >64,911</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >65,977</font></td></tr><tr style='height:12pt;' ><td style='width:336.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:336.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Other loans, net</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >855</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:56.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >608</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:0pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >I</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ncludes approximately $</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >28.3</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >&#160;billion </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >and $</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >31.2</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >billion </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >of gross </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > loans</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > available</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >to settle obligations </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >o</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >f </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >a </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >consolidated </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >VIE</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > as of </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, respectively</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Other loans primarily represent </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >loans to merchants and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >a store card </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >loan </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >portfolio</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > Other loans </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >are</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >presented net of reserves for losses of $</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >11</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >and </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >13</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > million </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >as of</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > and December 31, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, respectively</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font></li></ul><p style='text-align:left;line-height:12pt;' ></p></div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_CurrentAndPastDueFinancingReceivablesTableTextBlock', window );">Aging of Card Member loans and receivables</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >T</font><font style='font-family:Times New Roman;font-size:11pt;' >he </font><font style='font-family:Times New Roman;font-size:11pt;' >following table presents the aging of </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > loans and receivables as of </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and December 31, </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:180pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >30-59</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >60-89</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >90+</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Days</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Days</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Days</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Past</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Past</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Past</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></sup><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Current</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Card Member Loans:</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >  U.S. Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >57,447 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >175 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >121 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >269 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >58,012 </font></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >  International Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >7,869 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >41 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >29 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >60 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >7,999 </font></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >  U.S. Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >20,907 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >125 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >74 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >147 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >21,253 </font></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >  International Card Services</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >7,174 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >30 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >22 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >47 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >7,273 </font></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >  Global Commercial Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(b)</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(b)</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(b)</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >125 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >16,440 </font></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:180pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:180pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >30-59</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >60-89</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >90+</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Days</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Days</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Days</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Past</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Past</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Past</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></sup><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Current</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Due</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Card Member Loans:</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >  U.S. Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >57,772 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >183 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >134 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >306 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >58,395 </font></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >  International Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8,664 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >43 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >28 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >55 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8,790 </font></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >  U.S. Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >21,488 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >125 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >69 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >160 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >21,842 </font></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >  International Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >83 </font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >7,771 </font></td></tr><tr style='height:9.75pt;' ><td style='width:180pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:180pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >  Global Commercial Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(b)</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >132 </font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6.75pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >14,391 </font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Beginning in first quarter </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' >, as a result of system enhancements, delinquency data </font><font style='font-family:Times New Roman;font-size:8pt;' >is now available and presented on a prospective basis for the indicated aging categories. Comparable data for prior periods is not available. F</font><font style='font-family:Times New Roman;font-size:8pt;' >or </font><font style='font-family:Times New Roman;font-size:8pt;' >risk management purposes, the Company has historically utilized 90 days past billing for the </font><font style='font-family:Times New Roman;font-size:8pt;' >International Card Services (ICS) </font><font style='font-family:Times New Roman;font-size:8pt;' >segment, as described below in (b). </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Delinquency data</font><font style='font-family:Times New Roman;font-size:8pt;' > for periods </font><font style='font-family:Times New Roman;font-size:8pt;' >other than</font><font style='font-family:Times New Roman;font-size:8pt;' > 90 days past billing </font><font style='font-family:Times New Roman;font-size:8pt;' >is</font><font style='font-family:Times New Roman;font-size:8pt;' > not available due to system</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >constraints. Therefore, such data has </font><font style='font-family:Times New Roman;font-size:8pt;' >not been utilized for risk management purposes. The balances that are current to 89 days past due can be derived as the difference between the Total and the 90+ Days Past Due balances. For Card Member receivables in </font><font style='font-family:Times New Roman;font-size:8pt;' >GC</font><font style='font-family:Times New Roman;font-size:8pt;' >S</font><font style='font-family:Times New Roman;font-size:8pt;' > as of </font><font style='font-family:Times New Roman;font-size:8pt;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;' >, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >and ICS and GCS as of </font><font style='font-family:Times New Roman;font-size:8pt;' >December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, delinquency data is tracked based on days past billing status rather than days past due. A Card Member account is considered 90 days past billing if payment has not been received within </font><font style='font-family:Times New Roman;font-size:8pt;' >90 days of the Card Member&#8217;s billing statement date. In addition, if the Company initiates collection procedures on an account prior to the account becoming 90 days past billing, the associated Card Member receivable balance is </font><font style='font-family:Times New Roman;font-size:8pt;' >classified</font><font style='font-family:Times New Roman;font-size:8pt;' > as 90 days past b</font><font style='font-family:Times New Roman;font-size:8pt;' >illing. These amounts are shown above as 90+ Days Past Due for presentation purposes. </font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock', window );">Credit quality indicators for loans and receivables</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table</font><font style='font-family:Times New Roman;font-size:11pt;' >s</font><font style='font-family:Times New Roman;font-size:11pt;' > prese</font><font style='font-family:Times New Roman;font-size:11pt;' >nt</font><font style='font-family:Times New Roman;font-size:11pt;' > the key credit quality indicators </font><font style='font-family:Times New Roman;font-size:11pt;' >as of or </font><font style='font-family:Times New Roman;font-size:11pt;' >for the </font><font style='font-family:Times New Roman;font-size:11pt;' >nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:124.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:165pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:165pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td colspan='5' rowspan='1' style='width:165pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:165pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2013</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:12pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='3' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Net Write-Off Rate</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td colspan='3' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Net Write-Off Rate</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >30 Days</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >30 Days</font></td><td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Principal,</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Past Due</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Principal,</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Past Due</font></td><td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Principal</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Interest, &amp;</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >as a % of</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Principal</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Interest, &amp;</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > as a % of</font></td><td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9pt;' ><td style='width:124.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Only</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Fees</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Only</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Fees</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font></td><td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:10.5pt;' ><td style='width:124.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:124.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Card Member Loans:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:10.5pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   U.S. Card Services</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >1.6</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >1.8</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >1.0</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >1.9</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2.1</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >1.1</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td></tr><tr style='height:10.5pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   International Card Services</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2.0</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2.4</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >1.6</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >1.9</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2.3</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >1.5</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td></tr><tr style='height:10.5pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:10.5pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   U.S. Card Services</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >1.7</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >1.9</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >1.6</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >1.8</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >1.9</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >1.7</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td></tr><tr style='height:10.5pt;' ><td style='width:124.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:124.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   International Card Services</font><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(b)</font></sup></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2.0</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2.1</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >1.4</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(c)</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(c)</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(c)</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:10.5pt;' ><td style='width:124.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:10.5pt;' ><td style='width:124.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td colspan='3' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td colspan='3' rowspan='1' style='width:106.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:106.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2013</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:17.25pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Net Loss</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Net Loss</font></td><td style='width:10.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:10.5pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Ratio as</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >90 Days</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Ratio as</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >90 Days</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >a % of</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Past Billing</font></td><td style='width:10.5pt;text-align:center;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >a % of</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Past Billing</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9pt;' ><td style='width:124.5pt;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Charge</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >as a % of</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Charge</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >as a % of</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:9pt;' ><td style='width:124.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:124.5pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Volume</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Receivables</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Volume</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Receivables</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:10.5pt;' ><td colspan='5' rowspan='1' style='width:242.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:242.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48pt;' ></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td></tr><tr style='height:11.25pt;' ><td colspan='6' rowspan='1' style='width:252.75pt;text-align:left;border-color:Black;min-width:252.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   International Card Services</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >(c)</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >(c)</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >0.20</font></td><td style='width:10.5pt;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td><td style='width:48pt;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >1.1</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td></tr><tr style='height:11.25pt;' ><td colspan='6' rowspan='1' style='width:252.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:252.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   Global Commercial Services</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >0.09</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >0.8</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >%</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >0.07</font></td><td style='width:10.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:10.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:48pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >0.8</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >%</font></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >The Company presents a net write-off rate based</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > on principal losses only (i.e.,</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > excluding interest and/or fees) to be consistent with industry convention. </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >In addition, because the Company considers </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >uncollectible interest and/or fees </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >in estimating </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >its </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >reserves </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >for </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >credit </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >losses, a net write-off rate including principal, interest and/or fees is also presented.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Beginning in</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, write-offs for certain installment loan products have been reclassified from C</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ard </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >M</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ember r</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >eceivable</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >s</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > to C</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ard </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >M</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ember</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >loans</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >.</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > P</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >rior period write-offs have not been reclassified. </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Historically,</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > net loss ratio as a % of charge volume and 90 days past billings as a % of receivables were presented. Beginning in first quarter</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > </font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >, </font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >as a result of system enhancements, 30 days past d</font><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >ue as a % of total, Net write-off rate (principal only) and Net write-off rate (principal and fees) have been presented. </font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivablesTableTextBlock', window );">Impaired Card Member loans and receivables</a></td>
        <td class="text"><div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >
</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table</font><font style='font-family:Times New Roman;font-size:11pt;' > provide</font><font style='font-family:Times New Roman;font-size:11pt;' >s</font><font style='font-family:Times New Roman;font-size:11pt;' > additional information with respect to the Company&#8217;s impaired </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > loans</font><font style='font-family:Times New Roman;font-size:11pt;' >, which are not significant for GCS,</font><font style='font-family:Times New Roman;font-size:11pt;' > and </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member </font><font style='font-family:Times New Roman;font-size:11pt;' >receivables</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >which are not significant for ICS and GCS,</font><font style='font-family:Times New Roman;font-size:11pt;' > as of</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >,</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and </font><font style='font-family:Times New Roman;font-size:11pt;' >December 31,</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:118.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Loans over</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:108.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:108.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >90 Days</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Loans &amp;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:108.75pt;text-align:center;border-color:Black;min-width:108.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Past Due</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Non-</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Receivables</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Impaired</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Unpaid</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&amp; Accruing</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Accrual</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Modified</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Loans &amp;</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Principal</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Allowance</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Interest</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(b)</font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >as a TDR</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(c)</font></sup></td><td colspan='2' rowspan='1' style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Receivables</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Balance</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(d)</font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >for TDRs</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(e)</font></sup></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Card Member Loans:</font><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   U.S. Card Services</font><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 160 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 188 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 309 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 657 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 594 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 70 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   International Card Services</font><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 60 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 60 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 59 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   U.S. Card Services</font><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 44 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 44 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 43 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 32 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 220 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</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;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 188 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 353 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</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;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 761 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 696 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >$</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;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > 102 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Loans over</font></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:108.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:108.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >90 Days</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Loans &amp;</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='5' rowspan='1' style='width:108.75pt;text-align:center;border-color:Black;min-width:108.75pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Past Due</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Non-</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Receivables</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Impaired</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Unpaid</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >&amp; Accruing</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Accrual</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Modified</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Loans &amp;</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:48.75pt;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Principal</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Allowance</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Interest</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(a)</font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Loans</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(b)</font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >as a TDR</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(c)</font></sup></td><td colspan='2' rowspan='1' style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Receivables</font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Balance</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(d)</font></sup></td><td colspan='2' rowspan='1' style='width:48.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:48.75pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >for TDRs</font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><sup><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >(e)</font></sup></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Card Member Loans:</font><font style='font-family:Times New Roman;font-size:9pt;font-style:italic;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   U.S. Card Services</font><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 170 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 244 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 373 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 787 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 731 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 84 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   International Card Services</font><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 54 </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 4 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 5 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 63 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 62 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:right;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;text-align:left;border-color:Black;min-width:41.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >   U.S. Card Services</font><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > &#8213;   </font></td><td style='width:11.25pt;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 50 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 50 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 49 </font></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 38 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr><tr style='height:12pt;' ><td style='width:118.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:118.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >Total</font><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > </font></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 224 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 248 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 428 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 900 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 842 </font></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' >$</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:41.25pt;' ><font style='font-family:Times New Roman;font-size:9pt;color:#000000;' > 122 </font></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The Company&#8217;s policy is generally to accrue inte</font><font style='font-family:Times New Roman;font-size:8pt;' >rest through the date of write</font><font style='font-family:Times New Roman;font-size:8pt;' >-off (</font><font style='font-family:Times New Roman;font-size:8pt;' >i.e., </font><font style='font-family:Times New Roman;font-size:8pt;' >at 180 days past due). The Company establishes reserves for interest that the Company believes will not be collected.</font><font style='font-family:Times New Roman;font-size:8pt;' > Amounts presented exclude loans modified as a </font><font style='font-family:Times New Roman;font-size:8pt;' >troubled debt restructuring (TDR).</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Non-accrual loans not in modification programs include certain </font><font style='font-family:Times New Roman;font-size:8pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:8pt;' > loans placed with outside collection agencies for which the Company has ceased accruing interest.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Total loans and receivables modified as a TDR in</font><font style='font-family:Times New Roman;font-size:8pt;' >clude</font><font style='font-family:Times New Roman;font-size:8pt;' >s</font><font style='font-family:Times New Roman;font-size:8pt;' > $</font><font style='font-family:Times New Roman;font-size:8pt;' >87</font><font style='font-family:Times New Roman;font-size:8pt;' > million and $</font><font style='font-family:Times New Roman;font-size:8pt;' >92</font><font style='font-family:Times New Roman;font-size:8pt;' > million that are non-accrual and $</font><font style='font-family:Times New Roman;font-size:8pt;' >20</font><font style='font-family:Times New Roman;font-size:8pt;' > million </font><font style='font-family:Times New Roman;font-size:8pt;' >and $</font><font style='font-family:Times New Roman;font-size:8pt;' >26</font><font style='font-family:Times New Roman;font-size:8pt;' > million </font><font style='font-family:Times New Roman;font-size:8pt;' >that are past due 90 days and still accruing interest as of</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;' >, </font><font style='font-family:Times New Roman;font-size:8pt;' >2014</font><font style='font-family:Times New Roman;font-size:8pt;' > and December 31, </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, respectively</font><font style='font-family:Times New Roman;font-size:8pt;' >.  </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Unpaid pri</font><font style='font-family:Times New Roman;font-size:8pt;' >ncipal balance consists of </font><font style='font-family:Times New Roman;font-size:8pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:8pt;' > charges billed and excludes other amounts charged directly by the Company such as interest and fees. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Represents the reserve for losses for TDRs, </font><font style='font-family:Times New Roman;font-size:8pt;' >which are evaluated individually</font><font style='font-family:Times New Roman;font-size:8pt;' > for impairment.  The Company records a</font><font style='font-family:Times New Roman;font-size:8pt;' > reserve for losses for all impaired loans. Refer to </font><font style='font-family:Times New Roman;font-size:8pt;' >Card Member Loans Evaluated Individually</font><font style='font-family:Times New Roman;font-size:8pt;' > and Collectively for Impairment in Note </font><font style='font-family:Times New Roman;font-size:8pt;' >4 </font><font style='font-family:Times New Roman;font-size:8pt;' >for further </font><font style='font-family:Times New Roman;font-size:8pt;' >information regarding </font><font style='font-family:Times New Roman;font-size:8pt;' > the reserve for losses on loans over 90 days past due and accruing interest and non-a</font><font style='font-family:Times New Roman;font-size:8pt;' >ccrual loans, which are evaluated collectively for impairment. </font></li></ul><p style='text-align:justify;line-height:12pt;' ></p></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_FinancingReceivableInterestIncomeAndAverageBalanceTableTextBlock', window );">Interest income recognized and average balance of impaired Card Member loans and receivables</a></td>
        <td class="text"><div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:11pt;margin-left:0pt;' >
</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:3pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table</font><font style='font-family:Times New Roman;font-size:11pt;' > provide</font><font style='font-family:Times New Roman;font-size:11pt;' >s</font><font style='font-family:Times New Roman;font-size:11pt;' > information with respect to the Company&#8217;s </font><font style='font-family:Times New Roman;font-size:11pt;' >interest income recognized and average balances of </font><font style='font-family:Times New Roman;font-size:11pt;' >impaired </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > loans</font><font style='font-family:Times New Roman;font-size:11pt;' >, which are not significant for GCS,</font><font style='font-family:Times New Roman;font-size:11pt;' > and </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member </font><font style='font-family:Times New Roman;font-size:11pt;' >receivables</font><font style='font-family:Times New Roman;font-size:11pt;' >, which are not significant for ICS and GCS,</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >for the three and </font><font style='font-family:Times New Roman;font-size:11pt;' >nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:137.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td colspan='5' rowspan='1' style='width:154.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:154.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Three Months Ended</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:15pt;' ></td><td colspan='5' rowspan='1' style='width:154.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:154.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td colspan='5' rowspan='1' style='width:154.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:154.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30, 2014</font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td colspan='5' rowspan='1' style='width:154.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:154.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30, 2014</font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Interest Income</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Average</font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Interest Income</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Average</font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Recognized</font></td><td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance</font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Recognized</font></td><td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance</font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Card Member Loans:</font><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >   U.S. Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 12 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 675 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 37 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 734 </font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >   International Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 4 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 63 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 12 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 63 </font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >   U.S. Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 44 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 47 </font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 16 </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 782 </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 49 </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' > 844 </font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:58.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:15pt;' ></td><td colspan='5' rowspan='1' style='width:154.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:154.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Three Months Ended</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:15pt;' ></td><td colspan='5' rowspan='1' style='width:154.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:154.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td colspan='5' rowspan='1' style='width:154.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:154.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30, 2013</font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td colspan='5' rowspan='1' style='width:154.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:154.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30, 2013</font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Interest Income</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Average</font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Interest Income</font></td><td style='width:15pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Average</font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' > (Millions)</font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Recognized</font></td><td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance</font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Recognized</font></td><td style='width:15pt;text-align:center;border-color:Black;min-width:15pt;' ></td><td colspan='2' rowspan='1' style='width:69.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:69.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Balance</font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Card Member Loans:</font><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >   U.S. Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 11 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 859 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 34 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 982 </font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >   International Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 4 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 66 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 12 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 68 </font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Card Member Receivables:</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;text-align:right;border-color:Black;min-width:58.5pt;' ></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >   U.S. Card Services</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213;   </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 62 </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > &#8213;   </font></td><td style='width:15pt;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:11.25pt;' ></td><td style='width:58.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 89 </font></td></tr><tr style='height:12.75pt;' ><td style='width:137.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:137.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 15 </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 987 </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 46 </font></td><td style='width:15pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:15pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' > 1,139 </font></td></tr></table></div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock', window );">Troubled debt restructurings</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table provides additional information with respect to the </font><font style='font-family:Times New Roman;font-size:11pt;' >U.S. Card Services (USCS) </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > loans and receivables modified as TDRs</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >for</font><font style='font-family:Times New Roman;font-size:11pt;' > the </font><font style='font-family:Times New Roman;font-size:11pt;' >three and </font><font style='font-family:Times New Roman;font-size:11pt;' >nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >. The ICS and GCS Card Member loans and receivables modifications were not</font><font style='font-family:Times New Roman;font-size:11pt;' > significan</font><font style='font-family:Times New Roman;font-size:11pt;' >t.</font><font style='font-family:Times New Roman;font-size:11pt;' > For information on TDRs and the related accounting policies, refer to Note 4 on pages 74 &#8211; 76</font><font style='font-family:Times New Roman;font-size:11pt;' > of the Annual Report</font><font style='font-family:Times New Roman;font-size:11pt;' >.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td style='width:98.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='8' rowspan='1' style='width:181.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Three Months Ended</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td colspan='8' rowspan='1' style='width:181.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:11.25pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='8' rowspan='1' style='width:181.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >September 30, 2014</font></td><td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td colspan='8' rowspan='1' style='width:181.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >September 30, 2014</font></td></tr><tr style='height:11.25pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Average</font></td><td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Average</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Average </font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Payment</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Average</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Payment</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Number of</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Outstanding</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Interest Rate</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Term</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Number of</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Outstanding</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Interest Rate</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Term</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Accounts</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Balances</font><sup><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(a)(b)</font></sup></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Reduction</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Extension</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Accounts</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Balances</font><sup><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(a)(b)</font></sup></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Reduction</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Extension</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(in thousands)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >($ in millions)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(% Points)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(# of Months)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(in thousands)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >($ in millions)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(% Points)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(# of Months)</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:98.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >Troubled Debt Restructurings:</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Card Member Loans</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >11</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >83</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >9</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >(c)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >35</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >261</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >11</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >(c)</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Card Member Receivables</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >4</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >41</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >(c)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >12</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >11</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >129</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >(c)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >12</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Total</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >15</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >124</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >46</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >390</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:98.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='8' rowspan='1' style='width:181.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Three Months Ended</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td colspan='8' rowspan='1' style='width:181.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:11.25pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='8' rowspan='1' style='width:181.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >September 30, 2013</font></td><td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td colspan='8' rowspan='1' style='width:181.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:181.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >September 30, 2013</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Average</font></td><td style='width:4.5pt;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Average</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Average</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Payment</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Average</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Payment</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Number of</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Outstanding</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Interest Rate</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Term</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Number of</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Outstanding</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Interest Rate</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Term</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Accounts</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Balances</font><sup><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(a)(b)</font></sup></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Reduction</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Extension</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Accounts</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Balances</font><sup><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(a)(b)</font></sup></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Reduction</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Extension</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(in thousands)</font></td><td style='width:4.5pt;text-align:right;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >($ in millions)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(% Points)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(# of Months)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(in thousands)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >($ in millions)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(% Points)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(# of Months)</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:98.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;font-weight:bold;color:#000000;' >Troubled Debt Restructurings:</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:36pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:42.75pt;' ></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;text-align:left;border-color:Black;min-width:98.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Card Member Loans</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >12 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >91</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >10</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(c)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >47</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:36pt;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >357</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >11</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(c)</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:98.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Card Member Receivables</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >4 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >49</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(c)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >12</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >16</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >204</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;text-align:right;border-color:Black;min-width:39pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >(c)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >12</font></td></tr><tr style='height:9pt;' ><td style='width:98.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:98.25pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >Total</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >16 </font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >140</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:42.75pt;' ></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:42.75pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >63</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >$</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:36pt;' ><font style='font-family:Times New Roman;font-size:7pt;color:#000000;' >561</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:39pt;' ></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:42.75pt;' ></td></tr></table></div><p style='line-height:20pt;' /><div><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Represents the outstanding balance immediately prior to modification. </font><font style='font-family:Times New Roman;font-size:8pt;' >Modifications did not reduce the aggregate principal balances except for the </font><font style='font-family:Times New Roman;font-size:8pt;' >nine months ended</font><font style='font-family:Times New Roman;font-size:8pt;' > </font><font style='font-family:Times New Roman;font-size:8pt;' >September 30</font><font style='font-family:Times New Roman;font-size:8pt;' >, </font><font style='font-family:Times New Roman;font-size:8pt;' >2013</font><font style='font-family:Times New Roman;font-size:8pt;' >, where aggregate principal balances were reduced by </font><font style='font-family:Times New Roman;font-size:8pt;' >$</font><font style='font-family:Times New Roman;font-size:8pt;' >4</font><font style='font-family:Times New Roman;font-size:8pt;' > million. </font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The outstanding balance includes principal, fees and accrued interest on Card Member loans and principal and fees on Card Member receivables.</font></li><li style='list-style:lower-alpha;text-align:justify;margin-top:0pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >For Card Member loans, there have been no payment term extensions. The Company does not offer interest rate reduct</font><font style='font-family:Times New Roman;font-size:8pt;' >ion programs for Card Member receivables as the receivables are non-interest </font><font style='font-family:Times New Roman;font-size:8pt;' >bearing. </font></li></ul><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ></p></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_TroubledDebtRestructuringsOnFinancingReceivablesWithSubsequentDefaultTableTextBlock', window );">Troubled debt restructurings that subsequently defaulted</a></td>
        <td class="text"><div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >
</font></p><p style='text-align:justify;margin-top:12pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table provides information </font><font style='font-family:Times New Roman;font-size:11pt;' >for the </font><font style='font-family:Times New Roman;font-size:11pt;' >three and nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >with respect to the </font><font style='font-family:Times New Roman;font-size:11pt;' >USCS Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > loans and receivables modified as TDRs </font><font style='font-family:Times New Roman;font-size:11pt;' >that subsequently defaulted</font><font style='font-family:Times New Roman;font-size:11pt;' > w</font><font style='font-family:Times New Roman;font-size:11pt;' >ithin 12 months of modification.</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >A</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >Card Member</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >is considered to have been in default from a modification program after one and up to two consecutive missed payments, depending on the terms of the modification program</font><font style='font-family:Times New Roman;font-size:11pt;' >.</font><font style='font-family:Times New Roman;font-size:11pt;' > For all Card Members that defaulted from a modification program, the probability of default is factored into the reserves for Card Member loans and receivables. The defaulted ICS Card Member loan and receivable modifications were not significant.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td style='width:239.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:111pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:111pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Three Months Ended</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:111pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:111pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:111pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:111pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30, 2014</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:111pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:111pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30, 2014</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Aggregated</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Aggregated</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding </font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balances</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balances</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Accounts in thousands, Dollars in millions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accounts</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Upon Default</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accounts</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Upon Default</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Troubled Debt Restructurings That Subsequently Defaulted:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Loans</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >20</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >6</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >60</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Receivables</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >1</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >9</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >2</font></td><td style='width:7.5pt;text-align:right;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >27</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >3</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >29</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >8</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >87</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:2;text-align:left;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' > </font></sup></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:111pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:111pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Three Months Ended</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:111pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:111pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:111pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:111pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30, 2013</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='5' rowspan='1' style='width:111pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:111pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >September 30, 2013</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Aggregated</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Aggregated</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:51.75pt;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Outstanding </font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balances</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Number of</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Balances</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-style:italic;color:#000000;' >(Accounts in thousands, Dollars in millions)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accounts</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Upon Default</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Accounts</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='2' rowspan='1' style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51.75pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Upon Default</font><sup><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >(a)</font></sup></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;font-weight:bold;color:#000000;' >Troubled Debt Restructurings That Subsequently Defaulted:</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Loans</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >4</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >37</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >15</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >138</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Card Member Receivables</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >1</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >8</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >3</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >33</font></td></tr><tr style='height:11.25pt;' ><td style='width:239.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:239.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >Total</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >5</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >45</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >18</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:8.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:8.25pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:8pt;color:#000000;' >171</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;line-height:12pt;' ></p><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:2pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >The outstanding balance include</font><font style='font-family:Times New Roman;font-size:8pt;' >s principal</font><font style='font-family:Times New Roman;font-size:8pt;' >, fees </font><font style='font-family:Times New Roman;font-size:8pt;' >and accrued interest</font><font style='font-family:Times New Roman;font-size:8pt;' > on Card Member </font><font style='font-family:Times New Roman;font-size:8pt;' >l</font><font style='font-family:Times New Roman;font-size:8pt;' >oans and principal and fees on Card Member </font><font style='font-family:Times New Roman;font-size:8pt;' >r</font><font style='font-family:Times New Roman;font-size:8pt;' >eceivables.</font></li></ul></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_AccountsReceivableAndLoansTablesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_AccountsReceivableAndLoansTablesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_CurrentAndPastDueFinancingReceivablesTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of financing receivables that are current and past due.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_CurrentAndPastDueFinancingReceivablesTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_FinancingReceivableInterestIncomeAndAverageBalanceTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of interest income recognized and average balances of impaired cardmember loans and receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_FinancingReceivableInterestIncomeAndAverageBalanceTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_ScheduleOfLoansAndFinancingReceivableTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate carrying amount of all categories of cardmember loans held in portfolio, net of reserve for losses, as well as other loans, net.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_ScheduleOfLoansAndFinancingReceivableTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_TroubledDebtRestructuringsOnFinancingReceivablesWithSubsequentDefaultTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of financing receivables and troubled debt restructurings that subsequently defaulted.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_TroubledDebtRestructuringsOnFinancingReceivablesWithSubsequentDefaultTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 29<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953659-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=32702940&amp;loc=SL6953803-111525<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivablesTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of impaired financing receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5212-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivablesTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3,4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3, 4<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of financing receivables and troubled debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 34<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953682-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 33<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953676-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>96
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="utf-8"?>
<FilingSummary xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <Version>2.4.0.8</Version>
  <ProcessingTime />
  <ReportFormat>Html</ReportFormat>
  <ContextCount>278</ContextCount>
  <ElementCount>346</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>70</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>7</UnitCount>
  <MyReports>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>010010 - Document - Document and Entity Information</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DocumentDocumentAndEntityInformation</Role>
      <ShortName>Document and Entity Information</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R2.htm</HtmlFileName>
      <LongName>010020 - Statement - Consolidated Statements of Income</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/StatementConsolidatedStatementsOfIncome</Role>
      <ShortName>Consolidated Statements of Income</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R3.htm</HtmlFileName>
      <LongName>010030 - Statement - Consolidated Statements of Income (Parenthetical)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/StatementConsolidatedStatementsOfIncomeParenthetical</Role>
      <ShortName>Consolidated Statements of Income (Parenthetical)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R4.htm</HtmlFileName>
      <LongName>010035 - Statement - Consolidated Statements of Comprehensive Income</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/StatementConsolidatedStatementsOfComprehensiveIncome</Role>
      <ShortName>Consolidated Statements of Comprehensive Income</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R5.htm</HtmlFileName>
      <LongName>010036 - Statement - Consolidated Statements of Comprehensive Income (Parenthetical)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/ConsolidatedStatementsOfComprehensiveIncomeParenthetical</Role>
      <ShortName>Consolidated Statements of Comprehensive Income (Parenthetical)</ShortName>
    </Report>
    <Report>
      <IsDefault>true</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R6.htm</HtmlFileName>
      <LongName>010040 - Statement - Consolidated Balance Sheets</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/StatementConsolidatedBalanceSheets</Role>
      <ShortName>Consolidated Balance Sheets</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R7.htm</HtmlFileName>
      <LongName>010050 - Statement - Consolidated Balance Sheets (Parenthetical)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/StatementConsolidatedBalanceSheetsParenthetical</Role>
      <ShortName>Consolidated Balance Sheets (Parenthetical)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R8.htm</HtmlFileName>
      <LongName>010060 - Statement - Consolidated Statements of Cash Flows</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/StatementConsolidatedStatementsOfCashFlows</Role>
      <ShortName>Consolidated Statements of Cash Flows</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R9.htm</HtmlFileName>
      <LongName>010070 - Statement - Consolidated Statements of Cash Flows (Parenthetical)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/StatementConsolidatedStatementsOfCashFlowsParenthetical</Role>
      <ShortName>Consolidated Statements of Cash Flows (Parenthetical)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R10.htm</HtmlFileName>
      <LongName>011010 - Disclosure - Summary of Significant Accounting Policies</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureSummaryOfSignificantAccountingPolicies</Role>
      <ShortName>Summary of Significant Accounting Policies</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R11.htm</HtmlFileName>
      <LongName>011015 - Disclosure - Divestitures</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/Divestitures</Role>
      <ShortName>Divestitures</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R12.htm</HtmlFileName>
      <LongName>011030 - Disclosure - Accounts Receivable and Loans</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureAccountsReceivableAndLoans</Role>
      <ShortName>Accounts Receivable and Loans</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R13.htm</HtmlFileName>
      <LongName>011040 - Disclosure - Reserves for Losses</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureReservesForLosses</Role>
      <ShortName>Reserves for Losses</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R14.htm</HtmlFileName>
      <LongName>011050 - Disclosure - Investment Securities</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureInvestmentSecurities</Role>
      <ShortName>Investment Securities</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R15.htm</HtmlFileName>
      <LongName>011060 - Disclosure - Asset Securitizations</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureAssetSecuritizations</Role>
      <ShortName>Asset Securitizations</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R16.htm</HtmlFileName>
      <LongName>011070 - Disclosure - Customer Deposits</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureCustomerDeposits</Role>
      <ShortName>Customer Deposits</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R17.htm</HtmlFileName>
      <LongName>011080 - Disclosure - Derivatives and Hedging Activities</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivities</Role>
      <ShortName>Derivatives and Hedging Activities</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R18.htm</HtmlFileName>
      <LongName>011085 - Disclosure - Fair Values</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/FairValues</Role>
      <ShortName>Fair Values</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R19.htm</HtmlFileName>
      <LongName>011090 - Disclosure - Guarantees</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureGuarantees</Role>
      <ShortName>Guarantees</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R20.htm</HtmlFileName>
      <LongName>011100 - Disclosure - Changes in Accumulated Other Comprehensive (Loss) Income</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/ChangesInAccumulatedOtherComprehensiveLossIncome</Role>
      <ShortName>Changes in Accumulated Other Comprehensive (Loss) Income</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R21.htm</HtmlFileName>
      <LongName>011110 - Disclosure - Income Taxes</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureIncomeTaxes</Role>
      <ShortName>Income Taxes</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R22.htm</HtmlFileName>
      <LongName>011120 - Disclosure - Earnings Per Common Share (EPS)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureEarningsPerCommonShareEPS</Role>
      <ShortName>Earnings Per Common Share (EPS)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R23.htm</HtmlFileName>
      <LongName>011130 - Disclosure - Non-Interest Revenue and Expense Detail</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/NonInterestRevenueAndExpenseDetail</Role>
      <ShortName>Non-Interest Revenue and Expense Detail</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R24.htm</HtmlFileName>
      <LongName>011140 - Disclosure - Contingencies</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/Contingencies</Role>
      <ShortName>Contingencies</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R25.htm</HtmlFileName>
      <LongName>011150 - Disclosure - Reportable Operating Segment</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureReportableOperatingSegment</Role>
      <ShortName>Reportable Operating Segment</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R26.htm</HtmlFileName>
      <LongName>020000 - Disclosure - Significant Accounting Policies (Policies)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureSignificantAccountingPoliciesPolicies</Role>
      <ShortName>Significant Accounting Policies (Policies)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R27.htm</HtmlFileName>
      <LongName>030030 - Disclosure - Accounts Receivable and Loans (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansTables</Role>
      <ShortName>Accounts Receivable and Loans (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R28.htm</HtmlFileName>
      <LongName>030040 - Disclosure - Reserves For Losses (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureReservesForLossesTables</Role>
      <ShortName>Reserves For Losses (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R29.htm</HtmlFileName>
      <LongName>030050 - Disclosure - Investment Securities (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureInvestmentSecuritiesTables</Role>
      <ShortName>Investment Securities (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R30.htm</HtmlFileName>
      <LongName>030060 - Disclosure - Asset Securitizations (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/AssetSecuritizationsTables</Role>
      <ShortName>Asset Securitizations (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R31.htm</HtmlFileName>
      <LongName>030070 - Disclosure - Customer Deposits (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureCustomerDepositsTables</Role>
      <ShortName>Customer Deposits (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R32.htm</HtmlFileName>
      <LongName>030080 - Disclosure - Derivatives and Hedging Activities (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesTables</Role>
      <ShortName>Derivatives and Hedging Activities (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R33.htm</HtmlFileName>
      <LongName>030085 - Disclosure - Fair Values (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/FairValuesTables</Role>
      <ShortName>Fair Values (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R34.htm</HtmlFileName>
      <LongName>030090 - Disclosure - Guarantees (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureGuaranteesTables</Role>
      <ShortName>Guarantees (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R35.htm</HtmlFileName>
      <LongName>030100 - Disclosure - Changes in Accumulated Other Comprehensive (Loss) Income (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureChangesInAccumulatedOtherComprehensiveLossIncomeTables</Role>
      <ShortName>Changes in Accumulated Other Comprehensive (Loss) Income (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R36.htm</HtmlFileName>
      <LongName>030120 - Disclosure - Earnings Per Common Share (EPS) (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureEarningsPerCommonShareEPSTables</Role>
      <ShortName>Earnings Per Common Share (EPS) (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R37.htm</HtmlFileName>
      <LongName>030130 - Disclosure - Non-Interest Revenue and Expense Detail (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/NonInterestRevenueAndExpenseDetailTables</Role>
      <ShortName>Non-Interest Revenue and Expense Detail (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R38.htm</HtmlFileName>
      <LongName>030150 - Disclosure - Reportable Operating Segment (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureReportableOperatingSegmentTables</Role>
      <ShortName>Reportable Operating Segment (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R39.htm</HtmlFileName>
      <LongName>040200 - Disclosure - Divestitures (Details Textuals)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureDivestituresDetailsTextuals</Role>
      <ShortName>Divestitures (Details Textuals)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R40.htm</HtmlFileName>
      <LongName>040300 - Disclosure - Accounts Receivable and Loans (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails</Role>
      <ShortName>Accounts Receivable and Loans (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R41.htm</HtmlFileName>
      <LongName>040310 - Disclosure - Accounts Receivable and Loans (Details 1)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails1</Role>
      <ShortName>Accounts Receivable and Loans (Details 1)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R42.htm</HtmlFileName>
      <LongName>040320 - Disclosure - Accounts Receivable and Loans (Details 2)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails2</Role>
      <ShortName>Accounts Receivable and Loans (Details 2)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R43.htm</HtmlFileName>
      <LongName>040330 - Disclosure - Accounts Receivable and Loans (Details 3)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails3</Role>
      <ShortName>Accounts Receivable and Loans (Details 3)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R44.htm</HtmlFileName>
      <LongName>040340 - Disclosure - Accounts Receivable and Loans (Details 4)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureAccountsReceivableAndLoansDetails4</Role>
      <ShortName>Accounts Receivable and Loans (Details 4)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R45.htm</HtmlFileName>
      <LongName>040350 - Disclosure - Accounts Receivable and Loans (Details 5)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/AccountsReceivableAndLoansDetails5</Role>
      <ShortName>Accounts Receivable and Loans (Details 5)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R46.htm</HtmlFileName>
      <LongName>040360 - Disclosure - Accounts Receivable and Loans (Details 6)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/AccountsReceivableAndLoansDetails6</Role>
      <ShortName>Accounts Receivable and Loans (Details 6)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R47.htm</HtmlFileName>
      <LongName>040370 - Disclosure - Accounts Receivable and Loans (Details 7)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/AccountsReceivableAndLoansDetails7</Role>
      <ShortName>Accounts Receivable and Loans (Details 7)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R48.htm</HtmlFileName>
      <LongName>040400 - Disclosure - Reserves for Losses (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureReservesForLossesDetails</Role>
      <ShortName>Reserves for Losses (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R49.htm</HtmlFileName>
      <LongName>040410 - Disclosure - Reserves for Losses (Details 1)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureReservesForLossesDetails1</Role>
      <ShortName>Reserves for Losses (Details 1)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R50.htm</HtmlFileName>
      <LongName>040420 - Disclosure - Reserves for Losses (Details 2)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureReservesForLossesDetails2</Role>
      <ShortName>Reserves for Losses (Details 2)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R51.htm</HtmlFileName>
      <LongName>040430 - Disclosure - Reserves For Losses (Details 3)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureReservesForLossesDetails3</Role>
      <ShortName>Reserves For Losses (Details 3)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R52.htm</HtmlFileName>
      <LongName>040440 - Disclosure - Reserves For Losses (Details Textuals)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureReservesForLossesDetailsTextuals</Role>
      <ShortName>Reserves For Losses (Details Textuals)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R53.htm</HtmlFileName>
      <LongName>040500 - Disclosure - Investment Securities (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetails</Role>
      <ShortName>Investment Securities (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R54.htm</HtmlFileName>
      <LongName>040510 - Disclosure - Investment Securities (Details 1)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetails1</Role>
      <ShortName>Investment Securities (Details 1)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R55.htm</HtmlFileName>
      <LongName>040520 - Disclosure - Investment Securities (Details 2)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetails2</Role>
      <ShortName>Investment Securities (Details 2)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R56.htm</HtmlFileName>
      <LongName>040540 - Disclosure - Investment Securities (Details 3)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/InvestmentSecuritiesDetails3</Role>
      <ShortName>Investment Securities (Details 3)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R57.htm</HtmlFileName>
      <LongName>040550 - Disclosure - Investment Securities (Details Textuals)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureInvestmentSecuritiesDetailsTextuals</Role>
      <ShortName>Investment Securities (Details Textuals)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R58.htm</HtmlFileName>
      <LongName>040600 - Disclosure - Asset Securitizations (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/AssetSecuritizationsDetails</Role>
      <ShortName>Asset Securitizations (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R59.htm</HtmlFileName>
      <LongName>040610 - Disclosure - Asset Securitizations (Details Textuals)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/AssetSecuritizationsDetailsTextuals</Role>
      <ShortName>Asset Securitizations (Details Textuals)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R60.htm</HtmlFileName>
      <LongName>040700 - Disclosure - Customer Deposits (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureCustomerDepositsDetails</Role>
      <ShortName>Customer Deposits (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R61.htm</HtmlFileName>
      <LongName>040710 - Disclosure - Customer Deposits (Details 1)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureCustomerDepositsDetails1</Role>
      <ShortName>Customer Deposits (Details 1)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R62.htm</HtmlFileName>
      <LongName>040720 - Disclosure - Customer Deposits (Details 2)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureCustomerDepositsDetails2</Role>
      <ShortName>Customer Deposits (Details 2)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R63.htm</HtmlFileName>
      <LongName>040730 - Disclosure - Customer Deposits (Details 3)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureCustomerDepositsDetails3</Role>
      <ShortName>Customer Deposits (Details 3)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R64.htm</HtmlFileName>
      <LongName>040800 - Disclosure - Derivatives and Hedging Activities (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetails</Role>
      <ShortName>Derivatives and Hedging Activities (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R65.htm</HtmlFileName>
      <LongName>040810 - Disclosure - Derivatives and Hedging Activities (Details 1)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetails1</Role>
      <ShortName>Derivatives and Hedging Activities (Details 1)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R66.htm</HtmlFileName>
      <LongName>040830 - Disclosure - Derivatives and Hedging Activities (Details 2)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetails2</Role>
      <ShortName>Derivatives and Hedging Activities (Details 2)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R67.htm</HtmlFileName>
      <LongName>040840 - Disclosure - Derivatives and Hedging Activities (Details Textuals)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureDerivativesAndHedgingActivitiesDetailsTextuals</Role>
      <ShortName>Derivatives and Hedging Activities (Details Textuals)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R68.htm</HtmlFileName>
      <LongName>040900 - Disclosure - Fair Values (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/FairValuesDetails</Role>
      <ShortName>Fair Values (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R69.htm</HtmlFileName>
      <LongName>040910 - Disclosure - Fair Values (Details 1)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/FairValuesDetails1</Role>
      <ShortName>Fair Values (Details 1)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R70.htm</HtmlFileName>
      <LongName>040920 - Disclosure - Fair Values (Details 2)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/FairValuesDetails2</Role>
      <ShortName>Fair Values (Details 2)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R71.htm</HtmlFileName>
      <LongName>040930 - Disclosure - Fair Values (Details Textuals)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/FairValuesDetailsTextuals</Role>
      <ShortName>Fair Values (Details Textuals)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R72.htm</HtmlFileName>
      <LongName>040950 - Disclosure - Guarantees (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/GuaranteesDetails</Role>
      <ShortName>Guarantees (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R73.htm</HtmlFileName>
      <LongName>041000 - Disclosure - Changes in Accumulated Other Comprehensive (Loss) Income (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureChangesInAccumulatedOtherComprehensiveLossIncomeDetails</Role>
      <ShortName>Changes in Accumulated Other Comprehensive (Loss) Income (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R74.htm</HtmlFileName>
      <LongName>041010 - Disclosure - Changes in Accumulated Other Comprehensive (Loss) Income (Details 1)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureChangesInAccumulatedOtherComprehensiveLossIncomeDetails1</Role>
      <ShortName>Changes in Accumulated Other Comprehensive (Loss) Income (Details 1)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R75.htm</HtmlFileName>
      <LongName>041100 - Disclosure - Income Taxes (Details Textuals)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureIncomeTaxesDetailsTextuals</Role>
      <ShortName>Income Taxes (Details Textuals)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R76.htm</HtmlFileName>
      <LongName>041200 - Disclosure - Earnings Per Common Share (EPS) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureEarningsPerCommonShareEPSDetails</Role>
      <ShortName>Earnings Per Common Share (EPS) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R77.htm</HtmlFileName>
      <LongName>041300 - Disclosure - Non-Interest Revenue and Expense Detail (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureNonInterestRevenueAndExpenseDetailDetails</Role>
      <ShortName>Non-Interest Revenue and Expense Detail (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R78.htm</HtmlFileName>
      <LongName>041310 - Disclosure - Non-Interest Revenue and Expense Detail (Details 1)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/NonInterestRevenueAndExpenseDetailDetails1</Role>
      <ShortName>Non-Interest Revenue and Expense Detail (Details 1)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R79.htm</HtmlFileName>
      <LongName>041320 - Disclosure - Non-Interest Revenue and Expense Detail (Details 2)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/NonInterestRevenueAndExpenseDetailDetails2</Role>
      <ShortName>Non-Interest Revenue and Expense Detail (Details 2)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R80.htm</HtmlFileName>
      <LongName>041330 - Disclosure - Non-Interest Revenue and Expense Detail (Details 3)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureNonInterestRevenueAndExpenseDetailDetails3</Role>
      <ShortName>Non-Interest Revenue and Expense Detail (Details 3)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R81.htm</HtmlFileName>
      <LongName>041410 - Disclosure - Contingencies (Details Textuals)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureContingenciesDetailsTextuals</Role>
      <ShortName>Contingencies (Details Textuals)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R82.htm</HtmlFileName>
      <LongName>041500 - Disclosure - Reportable Operating Segments and Geographic Operations (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://americanexpress.com/role/DisclosureReportableOperatingSegmentsAndGeographicOperationsDetails</Role>
      <ShortName>Reportable Operating Segments and Geographic Operations (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <Logs>
    <Log type="Info">Element axp_DeconsolidationGainOrLossAmountBeforeTax had a mix of decimals attribute values: -6 0.</Log>
    <Log type="Info">Element axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax had a mix of decimals attribute values: -6 0.</Log>
    <Log type="Info">Element us-gaap_AccountsReceivableNet had a mix of decimals attribute values: -8 -6.</Log>
    <Log type="Info">Element us-gaap_AvailableForSaleSecuritiesEquitySecurities had a mix of decimals attribute values: -6 -5.</Log>
    <Log type="Info">Element us-gaap_CashCashEquivalentsAndFederalFundsSold had a mix of decimals attribute values: -6 0.</Log>
    <Log type="Info">Element us-gaap_GuaranteeObligationsMaximumExposure had a mix of decimals attribute values: -9 0.</Log>
    <Log type="Info">Element us-gaap_LoansAndLeasesReceivableNetReportedAmount had a mix of decimals attribute values: -8 -6.</Log>
    <Log type="Info">Element us-gaap_LongTermDebt had a mix of decimals attribute values: -9 -6.</Log>
    <Log type="Info">Element us-gaap_NoninterestIncomeOtherOperatingIncome had a mix of decimals attribute values: -6 0.</Log>
    <Log type="Info">Element us-gaap_OtherNoninterestExpense had a mix of decimals attribute values: -6 0.</Log>
    <Log type="Info">Element us-gaap_TimeDeposits had a mix of decimals attribute values: -9 -6 0.</Log>
    <Log type="Info">'Shares' elements on report '010050 - Statement - Consolidated Balance Sheets (Parenthetical)' had a mix of different decimal attribute values.</Log>
    <Log type="Info">'Monetary' elements on report '040200 - Disclosure - Divestitures (Details Textuals)' had a mix of different decimal attribute values.</Log>
    <Log type="Info">'Monetary' elements on report '040300 - Disclosure - Accounts Receivable and Loans (Details)' had a mix of different decimal attribute values.</Log>
    <Log type="Info">'Monetary' elements on report '040310 - Disclosure - Accounts Receivable and Loans (Details 1)' had a mix of different decimal attribute values.</Log>
    <Log type="Info">'Monetary' elements on report '040720 - Disclosure - Customer Deposits (Details 2)' had a mix of different decimal attribute values.</Log>
    <Log type="Info">'Monetary' elements on report '040840 - Disclosure - Derivatives and Hedging Activities (Details Textuals)' had a mix of different decimal attribute values.</Log>
    <Log type="Info">'Monetary' elements on report '041000 - Disclosure - Changes in Accumulated Other Comprehensive (Loss) Income (Details)' had a mix of different decimal attribute values.</Log>
    <Log type="Info">'Monetary' elements on report '041330 - Disclosure - Non-Interest Revenue and Expense Detail (Details 3)' had a mix of different decimal attribute values.</Log>
    <Log type="Info">Process Flow-Through: 010020 - Statement - Consolidated Statements of Income</Log>
    <Log type="Info">Process Flow-Through: 010030 - Statement - Consolidated Statements of Income (Parenthetical)</Log>
    <Log type="Info">Process Flow-Through: 010035 - Statement - Consolidated Statements of Comprehensive Income</Log>
    <Log type="Info">Process Flow-Through: 010036 - Statement - Consolidated Statements of Comprehensive Income (Parenthetical)</Log>
    <Log type="Info">Process Flow-Through: 010040 - Statement - Consolidated Balance Sheets</Log>
    <Log type="Info">	Process Flow-Through: Removing column 'Sep. 30, 2013'</Log>
    <Log type="Info">	Process Flow-Through: Removing column 'Dec. 31, 2012'</Log>
    <Log type="Info">Process Flow-Through: 010050 - Statement - Consolidated Balance Sheets (Parenthetical)</Log>
    <Log type="Info">	Process Flow-Through: Removing column 'Sep. 30, 2013'</Log>
    <Log type="Info">	Process Flow-Through: Removing column 'Dec. 31, 2012'</Log>
    <Log type="Info">Process Flow-Through: 010060 - Statement - Consolidated Statements of Cash Flows</Log>
    <Log type="Info">Process Flow-Through: 010070 - Statement - Consolidated Statements of Cash Flows (Parenthetical)</Log>
  </Logs>
  <InputFiles>
    <File>axp-20140930.xml</File>
    <File>axp-20140930.xsd</File>
    <File>axp-20140930_cal.xml</File>
    <File>axp-20140930_def.xml</File>
    <File>axp-20140930_lab.xml</File>
    <File>axp-20140930_pre.xml</File>
  </InputFiles>
  <SupplementalFiles />
  <BaseTaxonomies />
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>true</HasCalculationLinkbase>
</FilingSummary>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>97
<FILENAME>R74.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E1PAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Changes in Accumulated Other Comprehensive (Loss) Income (Details 1) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems', window );"><strong>Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeOtherOperatingIncome', window );">Other non-interest revenue</a></td>
        <td class="nump">$ 593,000,000<span></span></td>
        <td class="nump">$ 601,000,000<span></span></td>
        <td class="nump">$ 1,679,000,000<span></span></td>
        <td class="nump">$ 1,705,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseLongTermDebt', window );">Interest expense on long-term debt and other</a></td>
        <td class="nump">329,000,000<span></span></td>
        <td class="nump">373,000,000<span></span></td>
        <td class="nump">1,026,000,000<span></span></td>
        <td class="nump">1,163,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherNoninterestExpense', window );">Other expenses</a></td>
        <td class="nump">1,596,000,000<span></span></td>
        <td class="nump">1,691,000,000<span></span></td>
        <td class="nump">4,393,000,000<span></span></td>
        <td class="nump">4,911,000,000<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Net Unrealized Investment Gains (Losses) on Investment Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems', window );"><strong>Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeOtherOperatingIncome', window );">Other non-interest revenue</a></td>
        <td class="num">(21,000,000)<span></span></td>
        <td class="num">(36,000,000)<span></span></td>
        <td class="num">(111,000,000)<span></span></td>
        <td class="num">(109,000,000)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_NoninterestIncomeOtherOperatingIncomeTax', window );">Income tax provision for other non-interest revenue</a></td>
        <td class="nump">8,000,000<span></span></td>
        <td class="nump">13,000,000<span></span></td>
        <td class="nump">40,000,000<span></span></td>
        <td class="nump">40,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_NoninterestIncomeOtherOperatingIncomeNet', window );">Other non-interest revenue, net of taxes</a></td>
        <td class="num">(13,000,000)<span></span></td>
        <td class="num">(23,000,000)<span></span></td>
        <td class="num">(71,000,000)<span></span></td>
        <td class="num">(69,000,000)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax', window );">Increase (decrease) due to amounts reclassified into earnings</a></td>
        <td class="num">(13,000,000)<span></span></td>
        <td class="num">(23,000,000)<span></span></td>
        <td class="num">(71,000,000)<span></span></td>
        <td class="num">(69,000,000)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Foreign Currency Translation Adjustments [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems', window );"><strong>Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherNoninterestExpense', window );">Other expenses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">8,000,000<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherNoninterestExpenseTax', window );">Income tax benefit for other, net expense</a></td>
        <td class="nump">1,000,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="num">(3,000,000)<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax', window );">Increase (decrease) due to amounts reclassified into earnings</a></td>
        <td class="nump">1,000,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">5,000,000<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Accumulated Other Comprehensive (Loss) Income [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems', window );"><strong>Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax', window );">Increase (decrease) due to amounts reclassified into earnings</a></td>
        <td class="num">$ (12,000,000)<span></span></td>
        <td class="num">$ (23,000,000)<span></span></td>
        <td class="num">$ (66,000,000)<span></span></td>
        <td class="num">$ (69,000,000)<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_NoninterestIncomeOtherOperatingIncomeNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents other forms (after taxes) of revenue earned, excluding interest, which is not otherwise specified in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_NoninterestIncomeOtherOperatingIncomeNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_NoninterestIncomeOtherOperatingIncomeTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the income tax provision related to other forms of revenue earned, excluding interest, which is not otherwise specified in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_NoninterestIncomeOtherOperatingIncomeTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total realized gain/ loss that has been included as a separate component of shareholders' equity during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_OtherComprehensiveIncomeReclassificationForRealizedGainsLossesIntoEarningsNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_axp_OtherNoninterestExpenseTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Income tax benefit related to other noninterest expenses that are not separately presented in any other noninterest expense category.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>axp_OtherNoninterestExpenseTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>axp_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseLongTermDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate amount of interest paid or due on all long-term debt.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 8<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.8)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseLongTermDebt</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncomeOtherOperatingIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents other forms of revenue earned, excluding interest, which is not otherwise specified in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestIncomeOtherOperatingIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherNoninterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Other noninterest expenses that are not separately presented in any other noninterest expense category.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherNoninterestExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>98
<FILENAME>0001193125-14-384990-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001193125-14-384990-xbrl.zip
M4$L#!!0````(`%I_7$6LN8N.<2`"`#>!,P`0`!P`87AP+3(P,30P.3,P+GAM
M;%54"0`#>_5/5'OU3U1U>`L``00E#@``!#D!``#L_6MSVTB2*`Q_[XC^#W@]
MNS/N.+H0X%WN[B=DR>[U'-ORD>39<SXI(*`H81H$V+A(YO[ZMPH@")``05RJ
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MQF]OGCUO=7%^_OKZ>D9^<V8[3^?*8#`\-RS74RT-O8F>=W<>?AU&C\KG__?+
MYSOM&2W5Z%D3`Y>SM+F!?;MTZOG-ZO)\/C\/_AH_FK/N__V<?-(UC@-\FMHE
M7E#WME],KC\^#_^X\ZB1^>@D?-2('C5<>Z3(TSQLAT]$7U!_K+8/JTOD&)IJ
MH1\K![GNF68O\7?DT6`^'$3/6[9E^<OL]77/.??6*W2.'SK%3Y'5MM\[_J7=
M+_CNZ9.JQL`M5/<Q^,+F#P2RX>E`/AW*B:^0E=S,[P1_R?Z28YL'OA3\)>-+
M#EH<1/'D'/]UNVWTI'I(/_CP_)R\XGSS6/0M'>U1VT7:V9/]<H[_L`N-:URX
M`7]]MK7@:!8BIH2I?AI]./OAZE)1<AY]\&OXW"G9VZFLG,J3`NL76CMWX1SN
MD)*(S'SN')F>&_WF-/[FH1?LLU*)-P1?+?"*?<8K\8K@JP=>D<FKN7\D^)Z<
M#I1399JWT"X?9SYE.L[.0P<HF</ON8^0'_9V_0:K(TGZE4CUS2FYQ;L-I/S%
M<W"$]\_!F\U?"9E^>^,:RY6)WOS^Z_GN$N&RH9[3B,+^X4D&/N,?;V^^//Q3
MM0;R`UGTX?[FX0ZMAH/PTP?+,[SUPR#XO]%\HH3@;5="P=\WO]O^UM#)[Q<&
M<J3@_6A'E$1(N/KTO]_\'J_\Z_G^EZ-7G6>\:_.F%3Y>MK[_?JRT'.\:T^MW
ML@F"VX$<K1+_;>]+R-(37YF?#@?QB_7$%Z+?)EX=_6J#5TJH?L"$?KA9(>M>
M_?'_D.JXES\,-_CE!Q4OC5R/_/8+6CXBYV%SJAX^87MQB?`W+GWOV7;PBL&W
MXC^'1M<M>D&6C^Z0\V)HZ-/M7;A,"]2-B8:>B*VZ_?7F#SH&X\?*-#3#"V&4
M],A$_>W-9EL7V;M^\WO\]]QM_WJ>^:92H&"Z7.P3Z\WOY+=I:AU[WY97=U`"
MYV#_''S&T,`I$.,4[-,*S@`^`[[99;4[Y0G5D;@9[J!ZV`54#\MS];`)KNXF
MJLMR-2-47]X]W'S,UYN1NOMH6*JE&=;3+=*0\:(^F@C_9#LZTC]9+U@J$P'[
M?GUEJJY[L\AX>JMPKU1'7P9R^K.M6NZ>UB4!MB#>^-YW#0O[[W>A[(X5]O<[
MLL)&\;AB:]O<W88Z+VN[-+1L!`(5PH:@9E*V*1T=AAF]#!T0_86!#KA&VE`^
M()BV+/U%_;?MW)/XQ\WB&CUZEY;^X2\?/WR'-!];6-BNW[$LO]_=.TAU?2?Q
M@-AL7A`#L95Y&`6MF'R5E*.LG`[E-B6V:CC_4DT?O5]O?_PO3%C5T9[7G['Y
M;NYPW?:93];*]]S@`5ELMBN&@9CK<E#0'2D6<E">X!+"HDH@:N^HT464\`X5
M#QP%JE!D5<C^J)7TKK?L<8W?]*)ZQ@N6V*[G^&2;MX;[YPX/?45>;,C^%]*?
ML/4J-@_E;3MFG,/[%L>&8NCU%I)7[U63I"[</2/D11?-.\QUXSUC;\=0'PTS
M<3*W?]Z@_1JYQI.5_G;T>Z1?NIM'8XJ*S:/9.X^YL\#6:7JYAP@9`Y1-R:[*
MV.,7)CF!GWO']O$_.M%?MX@03?.P9K*>,F(\\;<@TL-?I">7DOM!G10I>W[]
M4L(7WU+_#V0_.>KJV=!4,^9SR\!R,'BF*UR^O\\-AZ<VVAV_NN2U10DQ^(=I
M/ZHF-N=>;>=/["]\08[VC$'NC6`LAH"VK%I.[G*JZG=0PQ34<"\T72&/*=<E
M#TQ#!^F&1\*LH1&N_]L/752Q&2O?)P\,J?R-=\W3*)R6DI9$84#LREZN;&LK
MB:*G+C7-)^49V)"X=U3+-3O%1KDXB)W58DAH2VIQE;/#PB(#C0C6%BO>VB18
M>D'Y7*_8[,C.@>,JV?=85=@^QO-7&SO=05X.]J`R0D'OUXFPT'H5YVM]M!UD
M/%F:[SC(TM9>K&_4K;YQPPB1V"Q:!U,A!Y=&5<_]BN8RJOZP7[!L(3B\?,*D
MP0^0[_7X4KD80L2Y*628;97+DCHR'CZC)]4,_[25FI>;*M0/817JU;/J/*%[
M!PL!,5D-[_-B;Y^AS#NVT:[YM>6S%"#"*WB$5[R\A:(*,JB*(Q??<:9([W1B
M4&Z6CX.NRC":MP3@M_+DM_)CXPM98P3,7)&9RT`#E4>\^<G[?Q2;VTM[Q=G;
M%\?J;+OBJ%BV[*7K(F]?)!?*Y-Z$US[\(+[!$R(MXQQ5\PHLY?ZA&M9GVW7?
MKS?)IK<H#,RYS\:J8+HX9/7REM5;+!$^EVU8@W.<\VAD[)>!LF`J=/*8=E63
MEKA%P7_1#=,GQ(T5!&8IT\?FRD?'7I*K>M\+L'FS^*`Z%B:>^PTY=\^J@]ZO
MLQ?8D1MWGJW]>;,B*X@M)1@B*V;2%+;`SVK3SX(\?Y[S_.O[5:TE_W-1OTJX
M]):(*XROJ$C\WKY<VHYG_`_2KVS7VW+SD><^8YZXQX;(5\P=WAK+/$U8JY!P
M2`&LA*Q4'2W=B;Y6Z][P)2C_#83*1P?]Y9/4@NS6#8DGW:^VY1#5Z0A?[EH`
M%1D]'/)QT1WI5?56DI]@*ZA__M5_"V%5KF]A"\GPLN'73:`B3LWI=8Y2(6QT
M6HXSB?%_P4;7D_J$WJO:GTB/'_KDNC[2WZ^3J6%W*]MR,1GT#^16:.48;N^X
MD`ZZQ)&93.X0JE8$'0FT8[-.WP:<Q>;+8X'UC*VV%>_BI+JG1#84A4YX0['9
MBT8GO&$WO?&F.$@!#E*ZQD%L,H*CIZYL9V4[^$ELI`17<F)ST!'7.'KLP*[%
ML:!:UW;<!'8@BPZRZ+B3UC5J=HOV)?B*O.^6@U237&[$1(@R03K"_84[%!1"
M1UORG:OJW@9X,U"IY#$'/1/2DEPE,O&G;TR9CP?@QGH=7(Y4NF&\+Y&C&:K9
M&XL@?^,]C^54E7XU>Y/"=26?UY6ENI)R<#/)B=0N<#-),8_I/?)>$=KDZQ!?
MW4+_Y5NZ@W3(:2J'HN[<8=;.;WJONH9[-)3:G;$T65N'>32'>.8/7W7P*Q&Z
M>32-I["(XOWZJXJ5`]IAFNV#Y*:W`Z'38QN/6>;0SKL6Q:'2QQ["HA`6Y3TL
M*GZU"20HE>';CB<H<65/7)%V?Q@/^!1A9;J,)3RI(?WP8V43V^RS_2HV1V7M
M<N.^9&T3+(72,?5KM,`*3W^/+/R#]\TDG2-[VX^Z`#)ZKCLI1CO!@@4+5B@+
MEK=HZ3]]BX%"@`0`?A,`=BW0"4<])J"K<9>[&O-C?Y3PD,`4[H@IS&\N-%BU
M8-5VP*KE)$^\L9@'Y!%RFT?(CZ71&#>"P\6OP\4I;Y:XP?J7ZAA$]01J$N,R
M>!)[$QLUA0FN1:WLK.T0D-POK[\YQE)UUJ%IJ!GX1[%YM`J*8M8MAZ->WE6Q
M[JT;H?X6GRTVC77CLE%HJBM:4]TR76RSZ<P:PG3;W\,<31,6,;KI<C;I5PR)
M%!KR6^OKL-3]\&.%V4)PUP>.?1E8<GAC[^3O,$=;-C=7=3[E8X2TY$7Y?D(@
M#%H_:@Q:(W7UI/,3ARSA76]1^P>RGQQU]8Q=17,;E,?4_6X9F++!8UV)Y.QO
M-0QH9^X5O-V#HO:SH3X:9@=NN@LZ$:G]=L>3J-:+JW3E6'>:<)6O'.M<]ZV&
MJ@V[T_JO/,^TU_./:9?=\KFW,/^G!,OU:/X//_FL5>]:*4[>`_=:S+EUX&&7
MB:6)=W_-V[PO2+03-=&NPU/`:O?R+9JK=.^HEAO>HO0W-3H'"1`Y+1TY/=)N
M[ROR7FWGSTL+*V^'&!->;P1N,01T1XH);!5`:\A*K2'!)N`O6@3Y+?P=1,AO
MZ:I/SD\,CL&-Q`?7,Y88MD27R>T/UX:KF4'WEKV3#0GK]*Y%RA"`Y@F$C/HF
M,U*ADS1[.Q<Z28N2IUD@&P,Z21]CRWYTDFX_'ZA\VY0PO0X_]\TFV50:=KG]
M1]UX,0CA!)?#%9JF%$%'=SBKJ>X\VSEVO6[)DXL%N,%->HO0AZ=O?7C:RK+6
MD?'P&3VI9L+[)W;:Y1*_35.M#S]6V&=T/V-&QZ;RO8,Q)2;+X(U>[&TT-+>.
M[K2K^HYR#/O>]E3S%F&?RKI[55=\AJ^[T)B&_^AU\8AQF08Y]./GF2P+.0>T
MJR^N5,=9!RR)[3_2NF!)VI`?C)R*>BX+AY%+XJ.K^@=F2;:>,-`+KZI<=U.(
MT%>/T(LCB<IH.6Z:D@('\I\!U<+%4>=/2YU,0C@S_)\9'K(&.>N*E<_8J7L%
M<@TH_FC+(_R=ND?8W77/[^EK<QIT>^Y"MV<NN1$JJ-BR(H<55%QEX1:R7"%1
MMN]YJ)S=NH$K!:Z4,*X4U[=9A0SABGWF6#1/J7E9_A5Y,0=!AW7A.JRWV/ZE
M;F[!8=:C":5`/1(YZU`!U:C\223^\WF@&E5T.XA-'!J\`HCU48CUP1T'UW<<
M_$3SJG(:I'`()"U;CZ&T7?O+VWEKH`\>W"ER>Z?(FPU;GALQ?DE^M?O5]I`;
M'&ZL5#-DP?MUHEG`>A4+_8`J!B:E&PH(L;FR#CI"49F-#^#.>K(2;`;./"RN
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M8!9L%MZ4'O.,TC6[J.KM),QJX8FG^>_M`+-:*D0G.;E/9F"+P(QQF#$.O1U+
MGL`;S9.G!Q1S"PQ;TYR1!Z?RM,4P3]EX]/X?Q184I0/0V=OOSA%KK`G!5^1]
MMQRDFN2J*0Y^1-::V&Q5_E*X$#K$N=AHP@!38&QOK\;V*GQ)O"--7;_:EKYM
M;BHV`QUKXIJQ59!4%4*05:_9AF*S%XUKMF$W`Y+E4_*@C7T#BK1C+=CX:&//
M3QIBE4&F?R#[R5%7SZ1KR9;YL6+\;AE8*8:=33K"_?M;#=DI<Z_@%V<<P7O'
M]O$_.HDWW"(2@]<\W\&/@.@53/3F4I)/*2NZC4SM.D74D]#*U88X=G-#"4/=
M<;G*)W^TYVLUUW+HG[YU4"P)<<=$P;2>M"OTH9R1^W+&IO.R*&<;0UX6Y&5!
M7E9U1X*K''$F?1>2C9PNGQ!V_Y#;Z_J[H@CIC@9J.>M/5,[JBILJ>)=3Z#$N
M2H]Q?JX_:G=J@Q2PCJ6`\9.#WV*'D/?(>T5HTPF##(JST'_YENX@';J%E$.1
M.!<?;?=GN"*S@Y"SPK"NOZK+.#F#>(8??JP"V^BS_2HFZ\5]W=*[W/!;UC9[
MZ5L4Z]1QZ;K(V[\I+M9R-V_F>0]S'CF;%,\@!;/,ZPLV3DFR'_AJ,`>U/YD@
MXL]!Y<?_9)`8@M'LK`,2K+"YBG1LM6*3H[]!MY+XZ)K%1;$W6E+EB<HV8FCW
M]CFB?/#UW@F.87_+90^CH#L<5-4^+.27127^MUBS'G#*.$E4P'XZ9A?!-2C_
MF0K%'-/#;--.UL0.<X!]2UOC;.>FQ_Y'[U3.=E;Z81QT5><<O0<1+V65GW`]
MN\%5,/:1Z[&/G%QY,NSE`^EMXJ2W,6VI196[B&B[?%$-4WU$'VWG3C51_$2@
MH7O"543$%4%$U[BID'K\PU<=_$J$;AY-XRETI]ZOOZJ>[Z`=(;5]D*"\`^QS
M;..Q-#JT\^Z8L0QU&XS,4SD<F=>,W"E9D`\-4BBQ9U?O9ELKW=\Y.5PU/H=C
M!,=(F&/$J6=/,;&H3$\9R"'B\X"5ZB8#Z4)U-=@E_HMNF#ZY2HLMXP\_--/'
M4NZC8R])S8;O17W85<?"M'"_(>?N6770^W7V`CM.R)UG:W_>K,@*8I\8ALB*
MG944MGJN'TI$4^);X9T82MB$SKNS3?T&J]\5EBY/W<G,WHV:A$WHLO?:M8A)
M:YXNV`Y\V@Y"YA^S]VZ9IGL*ELAUI';G>EL^<NEN'HVA$/O('BN>*;!UUAE<
MD&,&R<D4(P1E+TN^V([WI#ZA]ZKV)]+CASZYKH_T]^ODO?C="C.E[2#]0U"T
MZ1BNZ"J]]*T*'73UW&\_/LU%B*RUI@:44`G10^OI\M*!3X-?P-;3_`16JJK5
M_I2_BS+RAQ]U5K53*4AID-(\26EN^WJ*6M;`592+Z6#J.XQ>W3?QET+WZ0OR
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MD_(]'MN.?17U%]SWZT^6CK6EL[Y9)"<<[7A6EP8&Q4HE4@`;MQ^=H$;HC3F5
MI'1W8A(E;CUA/F2'YD/RFM46%\=A>JF.]KS^C%Z0F7TE\<E:^9X;/*"(S4W%
M,)!Q$Y%&07?\N@):/7"^'*0;WB;;R<WPR78?$)-1`G\CM=%]/R1KIUW35?_T
M+0:ZZIX$?L.*W4O]WWXHFL5DE>H:*@<)[>BE"4=Y*:59ZAHML,&HOT<6_L'[
M9A(+M+>L50`9/<_?:.UV,+A6,#`]X3XP'D*2PD?/(WH<C3J^MSW5O$6>[UAW
MK^JJP!+0A*7^N8(F+"4A9%!^41=!Z1XPF6>I:QX#I"KT(56!BW@$U!2)65/$
M-..O?%,!6AWIRC>\@+FAK7=,8]"[H\SK11H*RD^S`XKM0V`.`Z5#W=6:)SZR
MC<0_>X6T+#9M$9:U'WZ0R99/H&@;4;2Y2`=="^>]4J0<K&HN#SM8U9R=='YN
M':K>U18ZZ5^1%]M@V>'^FI<)!=X``B$M$`ZCC:<;A&:@%$QN<'*7SC*K-4`V
M><Q!SX1:A'\(C<0^F>4S.O+QT+4\5BYNOHOYHNR5%MR"<WP+WJ(W+89*[75?
MQ*J5>1`KX]5:AE@9?Y8P;Y61VYQY2'#N08+S;B8,BQQZ@?N"09,%:++`G54F
M<.]AJ&2'/GOB1FRJ)<1LO_XOU3$("J,KK.!%!FDI$!`#LZ46352/NU#E?GG]
MS3&6JK,.[0C,5\Y:[)-4!46Q@54.1S0/':/D(6%U$E7/`:IMN:NVY:PW&_>5
M8(5#45VX'>*_VJIX=*C,+17]:%VK!5><9GE4T31@KX&])JB]ULS\(OJG2%2.
M!LXX.JD=>KQUO,<;T]'VQ:U[(EINB?I(C,V\MR^7MN,1A%W9KK<504>>>X^\
M5X2LK_A$8R5DZ3<6^B_?TAVD?T..)JP[2:11`0R%8HL.BL#Z+*HWB^5W?<86
MD&$&1A/D3?&9-U4P!2A%R:[9!#0F*(0U_('OC[8F%%&5JK7&OK:8?%MTJD*A
MS?>*:Z`C)X\=.1N)[M:J>K]W;!__HY.>,[>(B'[-\\E,O0SV@7&>?):VY]*0
MM\F=O.7H4:PP.&R!TBJ!A2Y[O;"3^;_WX:G$6""O0L`.W9!MS'VV,=..W6RG
M3VZNAJ.`;?R$V)Q5JIOC$1Q`G+"I."'WR2]@H(&!UK)11-](Y*47<OO=:XL5
M>V:RCJCGNF"M9:7C(H[]WE*_G6XS3?6J=E86%2==6JK:]?FAWNBI*]M9V0Y^
MDMQ\B]^7_4C$-WKLP*[!=J>7&P<5;ZV.(&[E5JN0V00C)"H$'7@:(5'_?FC'
M*A.B"V*K/5N":UW;]6X6Y%XP_&(WQ"GT;BE<G1-<"^<R`=C)S/41Q+_YC'_S
MHX6H5M5#%Y:*75C$B255X1?HP2I\#U;QXI+0M1`L7^A:R*'%6WZB#R05=22I
M2(C),UWJG@N1&-!'O$9B>,O4IYI\&#W__2X@BHN?^V:31!A-->_\1]UX,0@%
M!3^$A>,PT1>*H:,[=TXE..O*]DD,885/P?JKNHP;>MYAJ1'T9[&\Q#/"Q_"R
M]AO*JB,;[AIW4(J]P?TU+_?7`G9NA'XO0O1[89H943X.QZ)I=;4B8+AX$+7]
M>]OUPOQ$QUC.](";%4YO5IA.\B@DQ#%VB)'M?K6Q7Q:<1NR<91Q>]_WZDZ7[
MKN>L;Q9)XYWX?W$"G(%!L5!I`0[6*_-Y`]0(O<GP2U*Z:[80NZK4Z/G]/XK-
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M._?8W^_NG4"@])>5#J,`[K-IY[=CS_/5=O[$-/F"'')1X/4L4^@8`KJF^]AT
MFKAW5,L-@WS]+0S.04+7N(C&1+S/6"QB;_'>P9@2DU6*CK]+[[2K=A'T(&A&
MU'#<@X"3VXNJ?%DTJ_?].C'0+9FQO4F[P(:K@RQM[<5*0=U2R`UK-<3FVCJ8
M"L5D:53UG*=+6'!-5"&4>$="2^:\YAJ9G@JE#E#JT`"<1SDR!#7!DMVQX:O&
MLB`CB$]9`1E!9:$4*2.(M_@CZ[MV2`EG)@(@);PW60)LZMXASLM=G)=IQ?O6
MUU2`BSK-18IX=TZ00RQ(#G';F3Q0HP@&J1@&*0\UBISE3\',5*%FIHH7J<AE
ML*"7GH-TPR,)NYVR6/,Y+&@JE[_Q[L@F,?L=L(^B0]4+)U4OG!E38L3X!;*Y
MVL_X;$2NW=N>:MXBSW>LNU=U15>>;:MJ0)8))\O*"(]L.HL@..A+_,P#U37Y
MQ::G&:23\IE.RF_&\B7^BVZ8/CF4<6$2MK9,7T?Z1\=>$DS[7B`O;A8?5,?"
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M=P-W-US<W?`40A2H+HBB'>U;1BC&OM]=[QV[93C`YG?#M4>*/+W`3T0+17]*
M+DY6REQYA9\\L/0&4OQCI95=DA/LYJX=/E)I]>5ZXW\=>$'@^H5/5%H?XS/*
M:]Y[@VZ\8`&USP#DBU_Q$7%4STZQ>&%R)5DD>\7$ZZZ192^QOYG[PF.(WG]C
M>M'HKXE]%Z#.%\S-SX>H3XCSI2+9X[SRG,7=[4/%WD*:PH>6P4?#1,X5EF5/
MMK,.7OGI^F'P1MJ<SENT*!T:?_/[9]5Y0A)F1V02<B)="E[SZ_F!]^X#]2_;
MQ'RL.N%3;@267!.LKW82@KV7[,-P%31\QF]:V8Z']0VQ1/TM*$I-4/X?H=2Q
ME^V#=(N>#)<TH/;($*P(E&%-4"Z_?+C]='7Y5?KP?[_=?KB[DZYNOGR[_/K_
MDO#MOCF%*D34H/G)TM&/_XVV7#2J"5C24#KXLAB6:UL+5/:W0-5\"`WJ")9Q
M35B2>N[@RV)8+O'?=/+WCZ;Z%,$PJ0G#0C5=%+Y^9_TT"CX:KJ::_P^ISD?\
MFRW33BD@87?[>R^*(=DP=/SW/7K,:H)R&EWWY[ULGT__&YGF_[;L5^L."T?;
M0OHGU_6Q_;6!:4[W3!]X6^KPV,NE;0550H'V=6]\CUA09!C'5O#M">30R[O1
M/'EZ"!J)"/O@X8U=(NE(,Y:8A?"*7S^^^5T>#$>3Z60L#W=.5PXTA_@L/`,[
MG";7%=7_9YC%:(DWA<!LPX-+8OC<+*Y3Q5B)\BL2K[[%EKMC:,$SY"_?,99B
MJ#.E>N$@7`+GQ'Y-(/QT@O&MA$_^>DX':"8(R-0EA;-?CB!`9H$`8OW<.^H+
M"NYJ#-?=?.4C0O&V,C41K6T-1M&^\F#9)1?Y#?Y#XK'`G=L"G*FN*`$\&:4X
M\0`XNS!_M2UCX_N&L;DMM)F*C1:T\^%H']P4)+N`1AYZB/GPB>B^ZC.6Q0G&
MR-2(M!AC.A[N0WX<M(-;N0[<$4O?Q$6W1V6[ETR52FDOHW'.3@Y!EKV5\*EK
M;.FZ^!#_M^$];^X0B4WG8JC\X-1OMY6IE:F1Z-"V"D)9D%HW*^(&)12ZDNEA
MT=K53"Y.KBUHV5O9Q-8C1&SAS]3OE."?IQ3%`6AR0=Z"FJO4ZYZ+C2@]#&O>
M(=@\\A5Y6V"9*N#A_"!?[`.44*YALO@+LGSDXK_<+`XAFJ66G0V5^8Z:/0;5
M+MZ_.?:+013;1SNH"([$+8D]QR)48:EVE4D*^?E0'=Y!&/K=!9VE#E928O(`
M-/E(#_:&]Y@%/DM%/)K-CF$^`[02)^!R@3]NEW2#-7=VQU(U3V<CN=3).`1M
MO.$OJO,G(CH!/[6TB:*[1:^JHP<VXK:R/LJ(VNZ2I:;&++AS_LN!N,N7G]5'
MVPF\BB"?9$^,#9FJYDB*)7@Q&YQ=D`.^3)B]^S"S5,?R>#[9A_D`/`<=AGUX
M6>KD\3BMYHZ!&EGBKAMV?<%OM'S,71OK"!^3]VAA.QN+_5[]@=POAF5C.W>=
ML*QV5PD3FKX@[]E.]*_8'I<A2U6O**,4S1K<XV$]<&W[C]["-Z-DPBTVF+KH
M:0;.@ZEX8&&8:S#4#!B-8E%!+;`PS#43:@(\D5.RK5Y@89AK%=2$=CJ04V8!
MM<#",%?CUXTD3N8IR!D&%H:Y>KTND^?MA&E@892KYVMN2SGHPC(.+(QR+8&Z
MC#>='`R84`HLC)B&X-,AZ#J1A5&N!J]],%)ASUJ1A5&N@JU]MS$[&.JD$%D8
ML52S&/)R_E-YXV;$4NMB\[R\<5,N+C)BJ8>5M`J@&!<9,57$J8L4VG&1$5/=
M*^=R#ONXR)BE"I[.9EOR4(B+%`L>C)FJW_$HI1,H!`_&3%7N)!W-KQD\&+-4
MN^/9-,\KX"5X,&:IS?&QR;`]6@H>;!?<H'[3_GF+"):FP628X9UD@E,.9I:Q
M^NDD)=1S8:X>[QTSM0HFHZU%63?>&]0K18RWA9YE3%X>35..T@X410!DJ?KE
MX205$LL`,"C2-=S`<MRHSFTR(TO=/9J,=Z+]>S`<!XYE/'PTCZ_7#P)WP&?[
M;%M/]\A97J/'K3B8L`R&)ZY-"X!4'G:6NG@X/>A4'H4]'7@,!X416;$]8A.6
M0>?)1G?D1D,30%6!GZGR&Z>47PGX4Y'4P.C;QH1VX[P3E@IQ/$]Q42'@ZNR'
MI6:<#%(&=87]_#<RGIY)Z=\+?N@)??6)^KQ9I')^WZNNH6WW14UGIG.2-ZF4
MJ;V5`I3&'JFIW4-[G*:,:_I[##)JD7XPH7Q*37L?VN6L*"4/@4IGG]0,@8,<
MFS+T:NWSN)_U#3D!'P0+;?=)TX;8U@$F-JO@O9Z-Y#(.X0Z@='9)T]HXN$ME
MTN0NDVRQW2=-[_[P/L<E]YD$=7>GB:J1Z!)H.R7G&FDF_D??;HYFDMV!S0UV
MB%@$NAK[H1G</[R?89W]T*D.F=:L'\LW]E,Y._R5QTQSJ];J>CLIAYQ6><P!
M)WE:L][M2`1D/-AN*->%/Y9C,ZM9C'RD>"?.;:669#.K6?QV)+D_?3%<+\MF
M5K.6^4@BA#Q,A\)HI=G,:M8^YSN.\H:!FTFSF=4LESX6[\O9"M,\FUG-TNM\
M&AU,DF"<9S.K6<R=OZM(&;++LYFQU.7*]""W5<FSF=4L%C]R,@:I6_Q:B38S
MEFIU-#B<,$<AT6;.4M<J8WFV$SAGD&DS9ZEZQ_.4M*&=:3-GJ8NG\]PZGIJ9
M-G.6NGB:BB;1SK29,U6_HTENJA#[5)LY2RVL#*?*SFUM:S5(<Y9J>3:8[K@T
M[&J0YBRU\RBC'HY"&M&<I98>#=.W.#73B.9,W=_)?)SG]O"21X3%*D,L3*;I
M+`->$XGD`4O301DJ3%*)Y$&NP5`W2V269N(24#?,R;GV1]VTP/G@`/U:X.3#
M,DT>Y%HQM<L_Y(RLH2-"[8C6D`>YADGM$KITQ4<AM9&OGN5!KIE1%^AIVB/-
MT\_5K25YD&MGU$W`'H]KI_!1L7WE`<NX/;9\I[L=H.@DFI?P7>1!KBU3.U<P
MW<>HL/-2T'F4]SO<T97>N7Y[8>\QVV67\WO=U:U.4JAU#3D4,Y&SV]Y1DV85
M@B:E@E9R=M<Z6L=[--J[(BH7M3H6+I2SF]/1NE2<9MF=>?'"([%8.;LU'2U1
M,SK<H2@7NP>BW')V:SI:R!T>BQSGA[F/WS+(V0WJ:(E%1<EK4%?JFJ%L5[?L
M;G64-G:X2IGNK5!&$[[L=G6TCD=N0\%RMW@%FB-F-ZFCQ7R#0>WNB(<[4F;W
MIZ.E$@:3>2JK_LB=]K&&G]E=ZJ@Y;NF(7V[.0*&FJMF]ZJAI`F6W>C,W,2,G
MRT7.;DM'S3:>*<?37'+K?.3LKG/4@KWI&K:RE4AR=G,Y6@;B8)Q.:#\,88&B
M%#F[FQR]E*%CM]LURU+D['YQM$*1&4GVM`M3Y.Q><+0.W;Q6:4H1#LIN`D<+
M?GE2O;"I5"&*G-T8CMHEQ_2X&J1<6B-GMXZCIB@'>:WCF!;7R-D-X:K0ZE"M
M0EK0-E]Y(F=W>J.Z3;HE&94W2LU3/K31=#Y*K8V6R7J7LSO)53R'!]/>)[72
M^"N6F<C9?><J2LT#>QN=R?-VJVGD["9U=$DX/)LTNLVL<AHYNX,==7I.J=73
M5-]J=E<[ZC2EM]520B>[NQU=0@[.IN,Z0B<P#_#75@YZ)E,=7U",H2!<?*_^
MB#?$TIHY':4;5!6!KMA^KM'"L)"^N?__9I(PS78<=[34-S+.S+8N/<\Q'GV/
MC(>_M[^I9%I3C`.6<833=`X_JPT50]OEBVJ8Y&L+VW%5,Q&GJX@]EN&-4R7=
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M6JU?`)_B3*K^=WXSUMH)..G&053\[ZWE@M7!W8[ELK,WIL9J8?/_*,#4]\W4
MOMQD1S2[\2RUOZ_H=U#`=&)9>C0#!=@9(H.EZ5;"WV""C&_D%X'U%SSUS78]
M!WF&@\A*22V]@Q&6%E@IYB@#/FNDL&V,VPA2KE3WF61;^XC<=[Y7K3_CM+?]
M!KF7=P\W'Q^ND3:4JV4:*^D;O(SWEP!PG@5@G;KF04I6'P4PRG5[CU3'L)ZB
M;/Q/UBZL^SUJZ\(JSZ;3@P4;V;!4@UNFRP3XU!SNIU0$;D(04EC\@I6CY;F7
M)"G26>-O_4LU$XG2^SUD:^-[GLF[AR&I!O60+K9'Z=F*9:#>+5>X11K"7\.V
M"39`;S&-')*;%;9UW$G_W^_X6A?WLW'*=BP'&9U=C>G29I(NPJ^SJ\.&8[R#
M"5VZC*;ISFZ'P2@/[I0NPL>#]+5@47"_.?8*.=Z::%%2T4-.T&H3P8@!SE28
M-2[OYNG)FWF`5`$Y4X56Q_%P-LTJ\2T(<L#6EZZ+$D6/^QU3:PORP6R4[8J&
M+RX`$6V5*"OINM:#$.T#0UO/C8>S=$I'$4`HJRX,R##-2UF`I.ID]YN/UI9S
MRC1=WI==#9N&A;+6&&$I?@26N,(,.>[5,_K+ST[IWN_Z65M<C8<[<XYR8"@)
M*&5%,%)&@U*`;KEO4]?_35T3G1$ZY42D?;4M+?P0`TU9&<CR.)V^5@"@&CN@
MK!ODP41.'^BR.\BL<-IO]5D7V>/Q-.VK'BYCRH:)LIH88X&88H##,(6-0`SU
MT3!WS:K]KIRU&7,[&VI??27>7A0VVDID.["S,&R98%%6*/)P.!FE;-%R(%'6
M*QBD6;H`[B!(B4SR70]VOV=E[9C,('4_N__NHI!1UB**G-+#^9!=ZKI!`K>J
M^4TU]$_6E;HR/-6,`:2M,10EP^')!J(DI+0U@Z*DNX05@O06>2JY7OZ@.A96
MURY6)_[2#]J*D8MG+6XNJ.PWAZR+WGG&9=UQ<*J#3UF=S,;IDU46_,3?RUQD
M*_M]'NN2XE0>C]+\4PXX2CNCK,!.Y5&Z0+_6S@+I]&R;.K9WPP:-,?"4U1RF
M<UH`I=]?'#[:.F^.GRD+7T(E8BLU#UK*FC#;,S\&3E7@*2O+;&^^'/`D<KT?
MO29]4_#SJOG1MW3W#G\YW@+EZRO,+;-T;DDAF/8X?!MC_.8[VK/J(OV[A;]P
M^>2@X,;.O;=OD8M,,]X+]9NN%",5AZKV;O;;(]:FS"AEB57=S:5IVJ^JI:&,
M;GYQ/#[>2:92KE6`DQ+VA2"JMXM,=5PG")Q6625V04(R@5Z+_^`26CDOL?^C
M[+=)K(WYG:ZGAUY?!L!,95H=J7&VX7$`C]TGA<'EB"0QR)GZM4[(*B7P"P%4
M;Q.9:K>.8TQC$SN6-#;6-"/(X<$_FVB3C'VY)$FP_Q/\_N"52;S-3`5=H[O]
M4$FY`[2`9HT*RHI^/)^FKF/8H"(1+PB[F7QR73_N$*#L]U\L1>1#?58R4TRS
MP#@":T:D7MEOLM@4P$6ZP.1`7<>U/@3U)-7.I@;4>WRQWU^Q*8"3?$&T4$%'
MM&3^I;+?B[%V>&"T.ZJ++MBET9%1$;&S>\I>^*D<9YS6AI(][2G[^*?CW9:6
MG-.>LO%R*D^GE&F_<XN2L$#C/5"V3)3)@<J4Q,N+@D;94AB.TCE<^:!]M;VD
MR?B'D^A,JNSWF3R.N8?-N@__4AV#++CMO$B>Q-[O^_65J;JNL3"T@'MO%N$:
MES\,-__+ZV\.WJFS#ID`VSO.^DLPT^*(':FDVSIG;;H$6O;;5QZG&G]HF0Z5
MC.Z2A]!2XJ@6JG!1]CMGUKX?WVEG3`-45ANG'=H8LMGX,=_RRK9<?TD$RXMM
MOF"#,6X(&^^U]-T#?^=D*"OI[+P*2,G.>MG)J(WQ1CM=;#29'<QSV0&A%)2T
M$\F&TVF6QW\,RL(YRC'DE(V:"7;04Y`7!JOV;F@'7K+&>E7>33H/2=EOC"FB
M6)!GDXWZK)R/I>SWS131NI+'XT$&LQS&0W5MLM][4T1T*;-A.OVKMC:YQ5`Y
MAH;/X*8X;.\",$9AZ;@2?RA,-Z<_MOU*B12'3:1TLX@8OY332-(=J!E`7PD]
M1<(1:?30#J/)2J9=0WL#E3"T%[+(*X@-XAEI;%&V`H?I_O2,M]+@P:-="I<*
M&8A]\*A'\09IZZ<[!X]RJM$P/<ZJT8-WR+Y(7U7O-T&M?]^>D51^#)K*P%//
M`9X4=H,.`%\R06R_=VCM0#7>0OH.K4*"6.+>[9OJW#AW'N'<(*,\ZM8>;Z)F
M9.]@WW@E\Q[P$#PU-E`S0L=Z`^'-YZ7O/=N.\3^)2]C]KI1U[[IGI'OT("7G
M<T"I`'.=I"0&,-_AWWK$=WUO.X[]2G+.8U@I9R,-A[-TTF/Z_24`I*SFQX-T
MN7<]`$MK5O[\3V609J]Z2"FM=/E#2AE<%(Y6['<7%!$QHY3^+1>M2.9V)?.Y
M2'J7ICE!JE<R*)_=RY!2R^QIVIHH"%_-3;$<-YM=O5Y^4X%>>4_RNHDQCTWU
MX"OQ'C);&=(:F9NN9,@&)S4'R2&&+!;`P;^?K(.)"MD="6FU8L^`_SALU??"
M="1\QD!X*CO9CD3<;7.A9/<&I$696;JA3C'XZNV)Y4244SFCJ*'*IKXYMH:0
M'@SF(K&>F\7Q'D)*=H\^6B-#T]-2R@!)8WLL!\_+F:U\*&SOB^I%Q3D.6JGK
MY<8KOE)-TRVV;Y8S4^:35!2%"O0L$;+?7I`J(\S&C2!D\\U[^U+#]IF#A<(+
M"@.4B7VRG%$R4](,GP-4%?!9FB6S:<JT*@\^)E*2MKL1N'@?+.T393A*17`+
M@5=K1RRME.D\W<>M^H:VQ#Q>&K/?LY#N<1FG_)/B(-;?&DNC99*N.:F[M3U"
MO_==PT+8S"'4CES?3];E8F&8V!5*<B93$R;=4J@JP+2WS=:T8;3MM&&[&X"(
MM\?2@CE-7Q<>`ZSB-O:[,]+ULU-JH.XN]MOS*?N]'.D:DG(J3?$P2.5!9QKB
M&*8['A:%/7E\;K<&X<UB&ZK<2<O;[QM)>>K<.#UVKA!\M;;$TI9(IY74W`\I
MZB-WJ3>+S+3)_0:6=-6/G%$7<1RXZIMA:31,9[/4>2^[ER3]LG?`U!H83,8I
M<AP"J2S@3/4Y=AE2L9AB@&=3*'&#&>\@5V77/=;CW%A2)F15-[+?+9.N]Y8O
MH(IL9$NU[9#Z&'26^GIZV"I,P%("6)8:>C(_Z.T?!/;#8H$T[V;QX8?VK%I/
MZ!8;L#?6D7O!_9Z<E"W55&BI#)`TML=TY+R<+A"MOK_L9[XAQ[#U?>,LWA]3
M_3U-M\HH`R6-_;$=YTYW=R6RTXZT*U5*RV5%25\N5<E.2[L!>SV<HXS)[6U.
M1O]:9;_9*66V3`O'6F`SP0!+<V(^2VEAB@A(7P,=C=<-]]NOTAUSGV=R'(&0
MPM:8)DRD@ZQE]T9*E:_1`CD.TN_5'T$H:V>VS7"_(2ME)2CO]"[+!*6.K!QF
M=UVM$?U0%#JM'A-!1>R-;#H19AKEP_WFJW3/AS(X&-`^#%OUO>3:''5U\C8E
ML/Q>"/NEY6"!&13#_6ZN=*W@Z6!G<D8I$&OO+#>B4/?LCP?#FCN+:/P5>>3X
M85E'?!O]_?J[B[#)%=YHDIP1S<->#U%65W@WAN7CWVU4F6VY\799QB%.Y=$D
M%0.J!S@;)#"]?5"BJ7/-(B'.'BJ&A/TVM'0OXY5T`+T>W&QPP#2?8IS6H@W@
MX*-AJ996`@>YQD_=PS"<IM/?Z@'.!@FY49ZZ8G$R3H=G:2(A/QMXN-^+EV[`
M,]UB("\;^+@QOM^&ERX_CN8['>$*&.-A+_8OR'LF(8XH?^CFU<)*^]E8?4..
MAC^K3RC>09W6]]A\2Q=SC1/QLZ+@%-F%^U$UG*`0[-IP-=-V?2>Q#<JM7J);
M^<&QS61!%7,/.37AL^34W#\;COY-Q=[?)^N?MF%Y_\(+[.R"<I5I8A?%H8FA
M/T*^_T+FSC+Q-NKTPCW$4Q4`2IYB#(]KFX8>'.\_5,.Z<8*J]*`US^7"0TZB
MT'FXWQR7ZKD>[7H0!6&+-Q,EGB7RY#\M5Y@-L6AP;!]_ULG=69!NX6LDX1-+
MZ'`6[0MROAH6\M;7ZIJ,C'%\U;Q91+DR\?8I#[#9[>O)#/X814&#OL3ZV\36
M>_L.>9Z);AY-XRE43\3WC/!/*DVS2IQBS)0N@=T63P65K,&4]TV>TAUZ"O-O
M28D5AOKA^QWI8'.'G!=#0VY81,59X=:,]$?<E2JT<5V\W>2P?/?A-#7^0/:3
MHZZ>,?K,+26^VM9WC`*D!X^Y1=`B1WF(]-II#K/["Y?C-GK[RY@=F-\7L_I!
MQ_!M3C<!T$]@A'*E\6S'PJ('<*/2FOH<OX:E-0L^H=RI9*ZPYI/@[(0+4U-6
MU=L)=D59#>5$")HNFMF2KGJ%=U=(I\RR#`T6I&-A*&9WPNX5`2?\&(KEFVIO
M,1+=O`?K1X)_&_E*;.<]]J-U'TO\-0'>)Z"NB!=ZOUZA+>4N#<?$--TCV7&*
M_V':CZI)+LF0@PE@[M+^2/K9-!W0JV>79K?JY@:=)=[Q&3VI9@AMSFNND>FI
MS=(L/22U+LVJMQP7_PC,TMEA==%9W36#(U#L""BI?,5\=S-C>U]L?:OOW&MC
ML4"DM2+ZYI`,*M(F,/D`_IKMZ"@168RIS3)+8F><(?U-[#)UN#XZU*[O&U:Y
M6L**J9E*\?O?3>^=;KS\_<E[1WY<2:ZW-M%O_R`KGJI8W5L7I+6EL5B_PQ;&
MDV&=>O;J8K[RHH^/MN?9RXL!_@UA\]-G9#P]>Q>R@G_Q#RE:=X%AC)8F/Y\N
MU*5AKB_NC25RI:_H5;JUEZH5/'?J&O^#+F0Y?H>)%E[PAG#!>[+B.7FTYO+A
M<L]((E=+JK7^N[I<O?O;3)&G[UQ)>\8O1Y)JZ9*)PC2/30V$I)'FWBO'UK'O
MZ$K8X/%-S(J6Y.&EGK`-%MZK2?9"H@MIT%0\/)IT%\9[B)O-D!V+`K=)CLD)
M(<$*D3M.9*[/*`/_T78P;1>VL]Q0-:1S!LM0WINZ41$)XH3<2/8<_$3@<%#0
MBY7-NP.F)Q('NR<$RUBR29Y-&<%$:4@C@M>5^H0?G])=7J&,FBW%Y7>4$3&=
M4`85"R#"(I>6Y:NF%$Z[.$N]XWQ51/KG"/=X@?,L59+\IA)*\?/HH2.JAPC^
MI-X9I/3.A(G>"3Z^ABL^VJ;^+H!))ZH[$`(7/AF`3=Z;4E&:;=K.Q=]"';N!
M)(H]2@E!*'W>'N-;6F0O`786F+$.J,@CN91JQD+(17\L.7?TG8.H'>2LUQO8
M>'@Q='($36)2.!(VN8/^SUBS/-M+FY@,MN]B26N;+CFT+K8]S<1S";A9`IK`
M"59WTNNSH3U+!K9L7&+L/`8*R'M6O:3^DUX-TY0>$3:@P[_;V![%P&N>A/<@
MJ<M0A>D^"G2*$]A1^"&RA.T8F'88+<2"=53-(RC"SLW2C207R]TFSZ(:C;(_
MD["Z9_G6?5/"B$4#R]?&6SUP!G:M"::(S[`M6+XNLEM8OH.B392U?&PAL7P+
M9>LKZQ6C'>MI.F&ZG]:LGS@>4LB9S_+_=V-`]QB@]V:R*F1_<EI#?G]36CUE
MR"35_*D\.1N/#\E79K94UMN&C;XMS;PLW]8L)IM]6Q1];?:M\8EN%K5$N0<B
MJ+Y9#X$_"/QQ`3<$_B#P!X$_;@)_E>U'-O&[;/5QF7&NZ"+^<2VYX14KY855
ME[Y2P0Z"%\8$A@.Z*Y]0AI0X,;3E'):BUY@-POW+#""FYAML("9%*`:I#,*<
M0'?IBQS)4">B[P4G;/.=1W+K[9R2X*"Z<M%%]$/BL'M.]/!6&)Q-QSORP-.C
M1UX-W7N^&,KRF4(>V2R/A<QI\,!%D)N6_'7X!3GZ52A_LA[>_"5Z?O\Z(MX(
MMK3?FZKVY[LEEC5[\-0288/(M`^A,SS\>BW3MG_[Q3!-DG;P2YJ&GGX(:_(X
MQ&MQI)5"0K1\;1QD[3C4PO)DD/PI?^]X&1>;;+_]0_F'Y-BOX<_R/W9Q,IF4
MQ4D-1G((>^<C,8*'#B,=\Q$S)2QP$'#0(21F*K@$TLX]IUFQWI*8SL+-][.[
ML_"J-TJG2V'*]5<,7OQ6S5`#B5<5.-!"']/='0W.6$JH</5FI/-_E-GW>%+C
MZ!00*]'Z#2DF^409YTH:X&0^.+D_C'N`3V>C=,2)OD;D2,\%U3Y6$!Q5S2,*
MKX\'MMXQ+'!2>!;<TQ-E"G*[RVR03?7I5.Z7%`Q+:*2XAJ9QJ_\1K/Z^G+E"
MHE>>G(Q&Z9`^\$%W^""3[*.3X;P)X2M(!#U'6']%WJOM_+G'9.0_Z0LB'8_Q
M"YN6XAI(\0,>+QM&JW+:V09L&]82XUQ9`4P&3%9>!8WG<"EPO-S$R:FT8J1=
M=-`N;<53NQ#R+*111N,364XG\0%O`6^5)<-H=")/&KQ@%M&7^8Q<]T*Z12YV
M5%!0L6G:9+@V'$"PZA@+^F'N31<P&3!9:9(,9^DD^#9=!X$5PP%7XT2RD`?G
MEA\NZ%(.D2"2IYAZ&YU,9F,X*=T[*7`P2CEAPY/I-->?YUPK*SQIY7`PU5%]
MS"C^AVK'_YBBOL^RL"RJ>FLU*%Q;#<K)9%CI1@T.5K<.%IRC4G[_R6@P*VAC
MG`<5I=M/-4I3?3/ZR33BK[I1Q:5IOV)LJ.;J64WB*J.BG=2O[U:TURU@GQU`
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MV![/*%=E@%N!N6^BI!U3%A@"`X4S`X7AB\#VX=7VV7'+5L%`3;S@MB/^9F8!
M2^\SHQ?M7HF][Y#)8NNPUIXT=5Q@!\MV:32&+FZW"4UD=;5R[!^8N!YF8%$5
MDSP\2Z<G4"3Y)N;"6MZ*BWVF=D$#V&>X-EM3IOD('<O7V+[G&CH*%$O0-`Q,
M0=Y,P2[9:PQ?U`U3,)6BD[`#&2+/02M,)M(T>C,NBZUHV]JS;UG&GABN_8ND
M(<=3#4M:;HKUPX%E1''BG>F&&_3YQEM]098?],X75)F^-8Q?6*Z_VPYAV_*`
M*6?\\?6.)6^PI#29NFT%<_FL/T.6,[`V=277UYZ)[G;LM6IZZT"#+!S5TIX-
M%TD+Q-2*.),N==T(/41S?1*`):[&DFR+;()81-'T0]5T;<D('3CL]?KDR+OX
M)\Q(+#?Z;]O`2V$)XOD.2BH%*G-&CJH@AN_8F7RY43T8GQ;RB/7IA`6%;J*B
MD+%1RM)9&S$U%3L0Y,YHU\8"0>#8@&/33B#Z/,[U8S+FYOB,ZO8F'__\4QHS
MHLSLR=K/9F8VU6$X#4B3G-FT+%>G.3:G,8&2MQMJ(W4R=Y,<L),>B5/Q30<O
M4829L#-L<JQ%@2*M(=7!*"%TU"?L3%EV@9D6;PPPX8=PDZ(P=[;&,OA(>Q(/
M<!IP6J%"FWH3>VCKB)9D?A9B1!S7,RW?W9C962XYE:HQ2=K-X2.%MCZ>G0SD
M4CV:>LY0_>&?`^PRG.<V/*&A'#@2^90FU[`_-'6.`K_=ZPO)L.G)?)[;31BH
MP4XBS$ZF\]P)$A2M1=[C!#D7YT6&OO"@=%E-&*WH:/'N/A623Z/<?H5`:C%(
MG6D.@9]\)/=6,LE%#)?\S]B_Z((+4$B\328G@W&I9NY`8GY(G$G1Z8DR+-IJ
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M2:YC26]'5!NK:.<9IKT\F^A^(BA]!&YJP[9%U;(!3Y]POJ!\`\8H&*.-&Z-'
MNOP$UP@,6_RP:8D3?$S>R`0PZ4BSG2`B<>%;.@HFEA3JGD,WN%06PLQSL&GH
M0T?3T("(0QS=)OK17G("%.:UI_1Q%*6UU*:&"UG((3TS:>%T(P_I+B=1";`E
M%F3`X1&D6MAWE^ZRAAMV9L+LB&CT\4U"O%)=+YC^9"SPS^LEB0;@]UFVMVGX
MB9V35\-[-BQLRTBZNL:RBH99EH#!PP9`T.V4&)76$UY'Q=83`81$/:GT&DV\
M[9[N<G0&HB06Q!Z_:;\2/(2MK38^HAN@2"52AV;K-]8'PMQJMYV1GU3;US&Q
MN9/BC#*D-)O2,32F=R&FUG@N7#'=78Z3=G#S8]W@Y-F@5+9(N0'LL[HI#0=3
M/S(:\`G04HMIL6@J#3,'DA'+HK=183!J$*8`'`U1IDAN&*>DH7@@AX/3<87N
M'D#[#M!^,CB=`>W[2?OYX'\!Y<6A?,$:E()VH\#6(&,;CZWEQM8>8WWF&)\D
M7B3CM;JNUVD`D`_(!^3W`OF@ED$MP_EH1#A]4]UZK2T`^8!\0'XOD$]7+=?H
M:-&8&@\^5AIIPJ810X8)4?]%X<<`_SF#@J0ZDX*:N4)B-&ZE8NR*4:L6=@+Q
MRG<<9'$H$]DBM#?TO?;3I11`6Z`MT!9H"[1MA[;W-K:X\JA+S]#F-)VID(F=
M;,D9Y-13&6!:^/7\1>Z$3IHZ#D>-8"!@&[`-V`9L`[:YPG:7[O&D`B-5^W)O
M6,689VFJE6H/V=I]1*&MC*<GH]&T'O5YO*,`\A?:BCP=`^W[2GM%YIOV%4P2
M('VQV\3)G&_2P[%GI_&#N>:YY.^4'5UF3C48U&*EW!1B^.G)K(OB3EAZC#@W
M.WI%#(7SD\%;RC!+6DP&?-.B5P=C>C*?YY\-0:VDTG>AB=Y9?;\1Y?DP@*0`
MY(B/'-[T/4^XX9EQ!%6&</4&@;C67*_!R7P`5V]]);^LP-5;7VD_'?%->KAY
M8W;J(=FBM[17Y!-E/.QB3*G^S1NCF>)J_DQQL.([&;F5>=>OO:+'$*XU^"&&
MDI_Y`<1H]":\@[:@L,28GBA3YL99C1+2EHVY/TS[D5AQ]I*,X33PCYS&1IFB
M&-J&<'):WSY6Z!##=O=0WP[,`<P!S`',(2YS5+N4`>[H"7=,3D:C_&A&HZU4
M&O4FBIZ"MN%F62_/I3'/%FX&*5.\P,TII[0[Z@18!5B%"\"!58!5@%6`59IB
M%7&:(%+D;VXL:UXL95X$#S^"A!O!T$98(#N?`<:N]I7V,':UO[2'L:M"4;ZC
M6;7E6;"Y-%,HWNQ^+E464\+P24`^(!^0+YA:!LT)FK-E^0'S(0'Y@/P^(K_E
M.0<U;EE:]7^5@3Q,L0W,06W0:F'*.9W,+<RB,,Q![39]89XBT!9H"[0%VO)#
M6YB#6JC*`>:@=BF+":87`K8!VX!MP'9_L-WVQ1K5QB/0C+F6,4\1-V*T8LR"
M?#P]F4X[V/D*B(N7DV?Y;9N`LL)2=LAY'\?F^B1WB[##P81OPL*1K:II9R?#
M>7X/E4Y9IS!=M%]I*[.3R81SI=1E](\Z:.J)@GMEQC?N><NAI:E5.S@J1A3<
MSTZF<^8]OX2X#(1!H$+P/@@&0([XR.%-F_.$&YX91U!E"'=/$!%CY#;))Z,9
MYZX3$+?J#04,\>PH92=SO@D+5T\53^RD@^/(@+*AHIV-\I,\.F6<PM63`)X1
M1<17&ES"N>`"W`/N`??\XKZ+J76BX)[DK,I\#:14.#)_.CJ0LB2*61>3E@2'
M<2VIPLWA;&"*7-G--LH*[=<5`R\`+P`O`"_PRPORL$K)$3!#-YEA=#*<%S;G
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M`#;YSLHQR/\B_(_N2L&[O?C=9])'JGNS*3.`8[A_2OB/ZE-`&VGE.RO;19A&
M!!?!?JVU](R)^HS/"$:#IIKF6O(]P\0+Z=)\@#&Q=J65BEGTD?3HPRB+4$D5
MTISHOO3VT]7=+W1?YZ(G@I"`GW7D:H[QB+?[B+!\(&<2FS5G&;++-"@)EP%#
MX7*]=_JHXBT\$YO30)?U,4L1OE(MN@!GLC!E@407XAT)(^D^DCQ[(VCIOHCJ
M:IIMN9ZC&E@#G$GWF)8(LPHZD5Q?>P[%*1$S5%])$/6(D!7+*\*=AV1>`!76
M!B;15"[A-(QF!TE:V)J2('DV3_`*0;RF6O@-6$(X6)/H1%@0P:<;BP7>'UX&
M_]%[)1"07P?]M@)M1#[-!_]+(NWR)=+Y5[KVXU=CI8'!3&::.W&F.9$^5)'T
MQQ75Y>[HLB#&*+8BZ$*(5EZ(UN&`LO'#MW%&%SS"QUCO!OS\!_F7/J6N,=N'
MA)+IXS;=-KD>[5-&+;8%L;S3_B1V@^J&EF=:T[B>ZOFNY*A;];8K8LZDRQU1
MH&J:[6,X\>I$HAI8]!RRPXP%_KP.9!P1K5MI&$H3_*U7PWNF+4XB2#`O!"9D
M#/K?U>7JW=]FBCQ]Y^YL/Q3#&&=XLY^P=:[K!C'S3L@&DF:H8>'?XZ?(SDV3
M6.\8H]B2UY#N8_,^L.RM+8)"PQP+;;)$],M'I-E+\MXLA(5&K^JZMF8$'D"V
M"([D-"$!70UIXG<;"P/IU&7H[G;I6C<![@+EZ6+L+0F>W4!QNL_V*Z;'H_V"
M0ACV%5[H/P6.F1H2<ZN*\VSK\]B'WWK_&>9T,B`@[YK/YZN\!8)KG5QCG/PF
M9_GRZ)3E54;M5P"3CEG6"=!SX5OXM)/W1N`02"\.15A^_BF-Q-Q]%_)#)B)L
M_0K+1,.3_H^/-^:ML5`)?'K;"=U\&O>A)8$^5DK("4A!>]-`HR=J&\7AHGW6
M"!<D5OT"*PS[E0C^,)!("=V;6`'=Y4*12'?-C,[Z]6`DFO)/M):T\*3]M3EI
M1GS2Z+XPM"XI'MYP68JAJB2V,6=+2_R79U="^,#1T.=)Y--=CK(_E%@Y714=
MBXXZ,?S@#$??B>\O3'7EHHOHAV2JSWXRT)ZX2:4"*2.6<^.CY0M=\LCRF<(2
MELWRAV#!WW*Q\?W;/\;_D!S[-?Q9_L<>C)-R$):[L]K9D4:"^,Z1/4WJWEK-
MLU1I9HY]EH^>1\T!4\8:Y/)5?VEY@'3I$$`>Z4IG[LN5BH(+RB;V$H>-'!GF
M\=Y@4O)XL.:^#4`L^.\K\J3_=@P/G=XL%M*MZI4:M%%'D!3;>7&&&<U80C*:
M%6;<P?[)H+!38%Q@7.:,VY!JF7=1LU"B:('^\F4%$?`X:^&<WFG)]+89(QDY
M'$AE1Z$WA"`X''`X!#P<5=`#.I(1*P`G;U;[YAB69JQ4\X1#2<\+CC:WO5W#
MD.#@PR'@_A"`SN-(YS$X+W!<#J$H2/9'KG<B!4ECY#]`UB%D!14W_RG9"T`1
M'#DX<DT@2ZIVYCA3Z#7N(,0T`&ILN$UNN[',=0MGT?57]/?R5LWH!Y!X4T=)
M^!%EY5$""04B85"]Q:%*%!2=(-2$)R$(->%)6%ZH-6;#INC>>I8NPSS29"U(
M4(21D3K-B_E<#M$B!M9AH[!1V"AL5#A5V(J"RPR0%9H5U;Y*:\$,*V0/R&>3
M>I9UA6(1AMOYSS*;X9PP,R`,GX1)%R\"89KW*.6SN2!TZ!3:E3,9T-X&MY=#
M>]U"CX90WCECM,QL*#;QQ:P^V,7BBSTWA150[+P2IDKI.Q`&G,<.$@9,86[0
MKIR5Z^L`:*?$[6,PA7DRA4M?/"9ZOO%X_=C<A47M3CL`/``/P#=U\<:L$Q/7
MXAVNW5AX3E-!3,?N>$X%"2.**]4[PD"L@0_O2Y1[Z8ZA712YU#&TE]/3?8HU
M-%S5!]=T>Z8S6_QWL>:1X34@6V)P;9ATA_!5,EN`\,(37JYTOPR$YYGPF3I7
M*S4BOA4Z`^H!]>VBGK>8=_'ZFX8=DN(F>NNP,ZS`;/14%!89K6.<79494[@!
MW\#@@'!`.$@4/O'=[?2&XBCDR73CQA3CY5SR<LZZB`^MUU.BBL5QA1R5V$MZ
M'B`?G^,2I_N2FU&6'E=9<PP$9V.YH,+!7DD$M1E;)!/Z/MMNE>9\E?;*3X,?
MMKS%SS[[Q%V\G&BJO,6;CP?*$91C7=C;%$JW)&E,4GF<N,@)AN;<CJ3D!$%T
M6*B[1ZP*`S6DYOHWP$ID/2$R[*T.>H(I3\>'[+TW3-.PG@!+++FHNV>L,@^!
MI@--URG8VSR%5\^J\U1S8G!WL4-IX&-W$03L0Y]]N-)O;%.,:N2E<)8HS%?N
M&%\989S@AMN]MBFB_F6;_I(_`2XH-A-]W0"EP*#\8;,J@[9XB;I-$!OG)(@I
M(X5IUNIV_482^*BTBNQ0O@YL$[;9J6TV)4Y3WDQ2GD[RY.E8.9N6AG+[+1:J
MJV33&@Y#!(5D?[5"\<Z%4P!7]4[+X$P199A'%O@"]TOKWYBB^EJFG#>E\*65
M_C#M1Z*.[.42.9J!?ZRLE&K@@2O!/#@;5.G6R)0-NM11B&?*5^F."H3GF?`'
M3GB5!MXB$+KG="UW?L6S7\X]$DS;?M*-E^CG502(:5CH=&/=*(,`WO/HH<3S
MOAG]9!KQ5UUO0VW3?L584,W5LYI$T;]]US,6ZW=+U7G"6/'LU<4$OV+S,>2*
M"Z4FDF8'D'3_C(BA@JVQM;1RD(LLC]Q16\B37AW#0Z?V8B$YJH>D1]5%>@JE
M]""1;`M#8%B:L<(6DVF[+E[`MLRU]-8X0V<G+%^-?FBFKQO6DV20B`)R/4FU
M]'/;D18(N;](GBT](FS"6BZF)D:1]&IXS_A9'9/.69,_O.#?&K9U)C$$\Y,E
MJ;IND/><8'@TU7>1Y"4(&`"(3YK+$@K?PK\UD>89^-1DXHOEVPU+PF\SEJI'
MJ,7R11[3?9"CYKRPQ=4"TX/A\IJ#,#.R?$,H!$ZRY1&6%)LSNY4:)]GL:&")
M9KIV)-^0?I;6#*9!270/&A/=[Q%^B14*+0I$F`:V4J9X9+IZ9G,*>E@ZB?G&
ME<B)T)#CJ5B,&);KJ::Y).+<M%6B?&S=U_"Q?U9?L+I#R)(<I)FJZQH+`^G2
MPK&7TA5#4$GXFN'R7QBN'5Y-.BS?$-UZ,GQ'.CY#T<;`-@0PSV'F88EZIBI*
MM5BR35I54<3+-Y8&CH%E[0KA?_2D!`YDJV5[:?G*U'1.KRVBQO\O#)[M&!I6
M6VNF_A`QMXCQ12RMH#!WD[8L:4%ZM_02Y&`1(TN:#R1=7;O2BE3O/(;5.V[B
M&TZ<KB)AC**$%28E+1AI83AXA;]\U?&H2(/.VC,LE0@A&Z:/;WJ$=NX:>[M+
M"5G/JJ4A8BEA8WR8)#C+@("/$FSDV1ZQ[[^F_8"W<="`1`M^";@R_SGR1.C8
MQZ9>@BWS9,5Y'./91H<RQ$,R8"3OBH/S59$%<N4+^4W.&\J30);C=Y"(W<5@
MN^`M6F#+SK,I$#IXR^8(?K4Q2>BN.0XB2.H3':<ZL?!T*OU=7:[>_6VFR/([
M:3JCO#YA[V<D75J6CYGS%JULQZ.,;N+X1+$C_`[#TK$6P;J$ANF2>,])PBO'
M/$UR<TPL/EX,Q[:(^,"?Z+X0JPO3\+"2>J'-30M5(_BAH6:3A,!_P1P:.)U4
MHW6)=Q#?ED[P*K$H>E%-/TBT(GZRAMS0F=Z&L<B',%R3$5S)E7C!#4%E>1E\
M.U=83I@(R^!C\O(O@$E'FAV83-:%;V'2DO>FY&IF:'>Y4@T'Z5(RT_<S\2T"
M975+BY@EP,YUPC,R&411:[GH-[<H3]JMJD-/NF0'M77CQ=")]#>)?>U(CZI)
M3"X)GZIG>VD_(0O9/K:Y;-MT`\MLB7V`Q',)N%D"FL`).?"OSX;VC(4-B;!B
MJ?!(_H)5F>KMW$J\8J>`7)_X5OAW6]I<($AX#Y*ZM'URYZ03<T_#?!@H#_P0
M60([.YAV&"U85GH.EL@$15BM+`,DD"=8[C9Y%M4G!P5B^TSZ:#/%,5:A&+?+
M4-;B_S=BT<#RM?%6#YP!_)D@W$$FMJ:IQ)H.PD+X`#-%$-NW34,S,N0-Q=>=
MX$T1(Y?E.S!#LUP^,*='A%U8OB4TKM-I'A1?,=HUM2=,]Y-E>)<U7VI[?,<M
MF";=O9]_8J'9V=A@V3L@&0T+K&#LUT"14+HR2-KP6-5A;4UY5<J>V*ZW%RN4
M('$!6^TKHG\W6G:CJ+<';_K.C;4.7;`2*I7R?FD%XG>\V=#`(>8?"5F[F-^-
M!7:<\9K$_/GCZHZV>TBT+#.,4U[9R?$&:N*=[GKY5/QT=1>@G04UW:Q6'_76
MI+O<'5IY(6\,T]4A]8C(];XI!>G9'MUK?,!"VLC<8S,]H*+6BAF5S?$@^!H9
MFH$Y$'TG3DLUU96++J(?DH4KJ=J67<LEW9-FQK3;^F9Y)H4K:90?3O.=,2VN
MG^7WW-F6$BDYI42CV4XE$8/B7G8U1&'@SW[),)($F=,U97D*IB4J,-GB9%0&
M)T`?RO0I<DJ!0$`@6@0JU'A&'M11/,6Z'Z=43Z-=8W-+?XN91T(;/31-F8PS
MS_HDUSV?])!?9:H!\Q[(C1.!D971(0RUS*:A-1Y$1\E_/6?7EHEQ3_(`6R=!
M.4L`]#OH]SZ>U6"@P[5?KE<G2$S*5/AJ6Z>M4Z!4R(Z?0%S5[JC`Q)0)$27H
M`17:I,)W"U,!:,`FJ`4&7/@IB)49V,HW-"Y-.D%5V=9_E2XUS?'+SMBJ=`XZ
M>)#I$20@0VU?%JA0CPI?;#VH/@8R="C&1H$:@DKY;U&-:_L8[#4_7Y+\8U*9
MTZZQ3,$2+->VL*5\IN#3L5:<E'+^2EBJ;[^0?@BVY9;J2MY,&)(I7:LG&+":
MG\,R-K'I.=;"47?]%?W]O%4SV#7Q)F"M9LVBSO#5(_`5)WP5]%6YOTZ7E8O*
M6EES/PZR5I7\869SW42XO&#C#<!QID7I]V$7@,Z<9AT4!2><10KDL)[HC@V"
M"K,6/=^9URJ@0EYSJB%-NC2KR[<]AZ4+).4W>\4+:`>T`]H![8TX)8!W8/=.
MH5W4G*!,FU"2OI_=G1V9]PM)Y(=.`4-OX3_*H*K=:]M"^Y'DR:`4^<6X2P<.
M*,$!LXQ^S\`!/>*`X6`.'-!K#IB,I\`!O>:`\7Q4EP,*U7X""W#+`M/:EB#X
M<$D?+LB;LM1-DU)PYCJ6%EM0LW;1O1*<)MM&P$-R3($\0!X@#T@TD6DRKNW`
M\VB\"TX4JG*LIZ9UZ12>1%(HK40>L+*I'#70$8`CP!'@2$P<]=0^$LU(89H9
M#SD?4+'+755#9V(J0'X@/Y"?"?E'M>]V@>9`<Z`Y]S0?<AH&!J(SS-Y3Q(\M
M%R]*$-;!RV[LWZY#QQ29+`M/&Y4GO.60-8(F[L2<HE2[=V:+`Z:E8,#EO>/R
MJL48P.7`Y>)P^7!<S5$!+@<N%X?+IQ,9N!RXO.-</IE/FN;RECLT`)/WCLGE
M`0391`BRU0B"M8V6SH3+A!8BQ157Z\!W1\<!QP#'`,<`QP#'`,<`QW2*8_KD
MJG>=801U9GOBG-)T-K4*`T3H-Q1E.#HD',=HOR"G1NB2/N\QE(3\2+92D##6
M;$"?VJ<4"`0$HD6@K=X9Y^@=>5!'\11*<!ZD5(]HYI'01D_/&R700_Y\(%VK
MZS:&&_%$!$961H<PQ,,44&K#T8$8#.H4FB9!.4L`]#OH]SZ>U6^JZTG7?AN#
M,8$*6RI\M:W3UBE0*F3'3R".W@Q?8.):A/BT7*F&@W2@0IM4^&YA*@`->G!_
MU8H!%WX*8F4<CZ055)5M_5?I4M,<W[">:I[C?K;EHT>0@`RU?5F@0CTJ?+%U
M8V'4-BR`##S%V"A00U`I_\TQ+,U8@5AI6[B;IOVJ6EK+L8\^MRQ5!O(PA7VF
MANG;+X9I&K;E_L)?U)'35$/.R^\R0Q$D@H]<KX63[?HK^OMYJV:P:^)-P%K-
M6D&=X:M'X"M.^$IU)56ZO[[M#&MI95BK2KHP*R(+<5<!G57Y/L[O5;,EUX+-
M:=;A-*>0LK`=(K&[8PV@PD3N?OE-\*G,V+#`,*0U,$R,:Y;#&@2RX9N]6P6T
M`]H![8!V7LKL^XIW8'<1T2YJ,DZF30A3X&J=`GJ8J=0<D9\(AB1/NSBF'>@;
MT5>I/]^)OSQ1(&]$WN&T]B@G("^_Y)W.ID#>#I-W6*WS>]DZ1B!P2P2>M:U\
M.^;T!"D_ENH9MJ6:X/WT(8%3&G,ZH+1')&A;BO6>`&,@0+L$F'30S1*,`K4G
M:_!H*G-+@T*9$6&=T-]FBCPDUAF8NHWDH"3R"VEEHH#5VT)QN?!F*31,`PP!
MACH@B<2WC+AGHSX7@$*V`M1<4"0N39\#*FR`VD!M;J@]KIV,Q#(W$R@,%`8*
M'[TLFG,:J`4:TTL[FXD?["V>YEZ.4`H_CE=VC_9V'2VFR.1G.'9)P#E+H6H$
M*VT+,46IEM?`6!P`"P,+%\_NKZ:(@86!A3EAX9$"+`PL+#0+SP?5@AK`PL#"
MG+#P;%0MO0Y8&%B8$Q:6E=H9HO2"4N<>R<_;?M*-E^CG502%:5CH=!.R4@;!
MFN?10XGG?3/ZR33BK[I1XRC3?L7`JN;J64WNY-^^ZQF+];NEZCQAX#&)+R;X
M%9N/(1$OE)JDF&V_?_^,I"M[N5*M]?;";OK.E5:8=;2U9+C2$[*0HYKF6O)L
M2243%Y!D6%ZZ=UX=,$@W8,E[=FS_Z1G_BR1=]9!D+Z17QZ#\JE-[L9#>4EW2
M.$-G)VD6KK.DZDGR;(#1L,:T($/@=!_]<B8ER"5AE&%6-=QGO!C&'W)>\`^D
MZ9VQ::^,$:EZ`3:CKSPBTT#DL5?#-"7+]O!O2#M`$VD>TL^H[D"Z7-J^Y6'P
M"7`8)%U"/S33UY%D!J,*EINY$5+06Y7JNSW,2/@4ZY*.'CV"',_Q-<]W#.M)
M>GM_??M+>JOGID'IN`X8'E<RB4X-IYYLL$B(:%@;9&I!@1W&N/WDJ$L7_R%$
MN(8<3\5/445R(K.9+N.$&UMA`8XI^&IXSY+M>ZZA;UF5[%'%<DDS-AS_^FQH
MSSN<_HR92D.J2]AK,ZQG>RY$)7YP*;#!CFKIF*^WZ>1[APFS.-XM5:H$C$1U
M11J)9`FN2=M7=9:;3>E"MPSG&@1THPOI7&$#::`\5`=A"1/+'/K@*P,VX-/5
MQO2W/1%@VUL6B"P0:;XQ20A"L.S#1D1*NA()9"_H[H[J:G=HY87U.$.ZO$?9
M!%0&\H@N&@G5KK'2"#<OTX>7QK28)#XQ/ZV(OG]!YIKJTF=9&8E"&`'A`%%L
MXAE4$1*.O)(>P[[HV-"R7+QS<I(%,1JU9XQP_-@C%DK$#+*V[@;>!+8,'4G=
M^"/AD]@W,+`!Y6&_]G&]8SJZ/K8E53<AT/!:"X3<,U%YYA9M?#`WV.C&60PL
M9]-VW8T137JE4Q8)H5U.-`AZ44U?)4Z@8>G&BZ'[)*1`EP4"WS>8<KS$>\5'
M/.DM8UK;CHXU%]UW'L`EWMP&%+SCP&(_DV[1`G.A9S,[4&&/<^G#%M6?F*&:
M'(FKC3-&A'.PZ4];W!./]*OM(;I;S4CZJ+,<`7GA.X%LH!L.LO#2R]`5=]`3
M)A"QC^@2X,`YQF\,_4/[!>]JOA=`"LB68;#AWP9&/EV',1&E.)&R)(&VST#)
MPYLG:L_CT.HV*)LA79-QVKW4PO-5W@)!-#E7-I/?Y"Q_"&]7>/U'QTC@2Y;C
MM<EK+P;;A7[^*8V#7+`+:95A-<@/4SQG!T3^+FPRQY'P6QA8K\]BP0LWQV#E
MV%C`45Z51F`B"612'@3AK(U92W2!=R#^3A>$[5$W+,U>HD`9/EGXH=!04K&P
M4)]09/W1LOJ2`$2ZD.ZR=*W)),W,S#ERM=9,"D$2M77QF0UBMGA-(OW^N+H[
MH;P+0EQF&*>\LI,S?(LIWC]=W06(8H!_NLL18(F\\)X=A!C0UL)J05KBOSR[
M$K+TC(G>/&&#<A@GL7*Z-TNL=^M<"`<*,/I.?%EMJBL7740_).L?TO41^].R
M4E?CPVG9Q(%RM^C1^K4LAL&A3(`TXG.R`%AN,R]Y18O&IXUSQJ?)XU'UX1"%
MRJ@V+V!"B/M`PGP)1<&'3%'`A#)%RGQ[3IJO1$@7I4Q^L55A82*TB&CWX%>I
M$6R=QY*J]43*O(<H@?4V#G4/T"[VV0X_!N2A-4&1U6G/FY(ZF>],2:6N[:+U
MF?#;IR@J\"F("C2CXHN=LE[3Y3(,QW`A<SN+9&!^/NE2@/DI:;X:ID+CFO)8
MEUE*N2)E5//;+V'*D9LQE9IK)<VH;0?34W&[#=C7078KXD=$=+\/+T)$T\`B
MHAHXFS?.IJM>^8U`%U*LJ?0:&HW;!?&`=]>N,V.8<L7HN&P?J'('<+S?UZE!
ML4\/Y[1;9@+2`>E\(KT[TD7LF&ZF_F+409S+"Z),EJ[)J"R-FU(M"<:I23M5
MF)WE=B2Y9!^!)B0:D+\Q\D^F):?M`?T[1?]AR9';0/Y.D7\ZS.\*VDGCBNU<
M92&M+.I-R`7@_9+]<`60?&+3H^S462`(N`;](LB1$R*VLBY]M4!Y,BSH;7JG
M`*0$X`?PTPA^^I78!>'RG!L@9@G\U6^"&*5[-&MV_;WZ5,8&[_]83<KM-^U'
M'$8)@.!PV('V+`Y[_F5(XTE^`AMEM(;QT:][9X1-AFD[#9]YWN[/&D$4=[)(
MGC3*X2UGI@&+]Y#%I[,*%PS`X\#C`O%XV?G@P.+`XH*Q^.Q(C`3<)CZZ>8'_
MTWR9`U/02U^;<0(W\`KP"O`*\`KP2K=YI2]%\4T;<M"6%=JR=H$TT):UM32B
M*MS5C?Z@Z7%KT):U;;2+?;;#CP%Y.&U*HW6^`R)TIN23+M"6%9B_MW2!MJP%
MD$1I`BYT8>6T>2+TJN2M5R6/"E=$5`-G\\;9?0DX%\K+@"ZLT">1EW(5:`@*
M2`>D=UFZB!W"A;+R+)9N)SN75C)N.RFSV;4\,G^%I$!<2L2=C2ND^`-U!:'N
MD?Z80%R1B3L_4H#62:,&NI^*TD6-)O;Y%F,](,"D0CTW4("J%<YW.],>4&`R
MZ["Z+1V4A_ZEW#(]B`7`$&`(NIA"N!FZF+)+EV!J:W6WCR$0.VU8<^C:`(7A
M.`.QJUTIY=\H<=Y01^')K!*^#VE9;#),7&$+.&_W5(W@I6U)(U>8_LEVN\#`
MP,"EKG`K##`%#@8.YH:#1\P;/0,#`P.SM"%.Y&%AA^7<(Q=>VT^Z\1+]O(K@
M,0T+G6[<&640@'T>/93U?`(5__9=SUBLWRU5YPEO'B,8.T1XA<WG$(<7$_R;
MY$N"1VKA1LZZ_PO@TI%F.T&RS85O80*1]T;@$(:^&&S?G;@;I.&PE(1I0\R@
M4DA2+3UY/2E]L75C82!=4EWI_OHV'9<^7Y4DRZ0AJF2C^OX920O;-.U7PWJ2
M`I:45H[]8NAX+577C4UVE&$M;&<9H$IZ-;QGR4'N"FF>Y-F2A]>@1:<0JG3\
M7WK[_>[J[A?*[V'`:!ON,;?<XR2X9WF,>^J]E.YRF."4X://*%[0TXR@F>ZZ
M%FG(M;2#AEPHLR$73Y1*]ABBN_*91`3$IZN[`,=_X'^3>1MY3*X%LL*57I&#
M),OV*"/0Q=(T>(M%F:'.*`/ZT79VA"?^?W+R`ZR1\^`@4_6(1-`TV[<\(H57
MV-K1#.2>X#\N,)JQB/UJ>T@:D2^OU"?\UNDHCH/+[Z3IA#+4]B(`[M*R?"S\
M;]'*=BA3,(WG6'/6,89"%;;Y3FP*FNK*11?1#\F@<"ING#*=]TW:^8QIH5NT
M?"&_HT;7P^.0[+=%.U!N/\MKX3:3&?=EW+R@CGTT/10RK]4QDW%#RKX3AU[/
MS,('GO4Q;OEP,KNS9,@%J?:*H_)'M/6#UWW$]^[\[:ZNU.C=5H@E4W?=O.JE
M'4BF;"&9%H=D.&$)2+"Z8+09SIEB9"X>1FJ=X@*AZ?0AIB>M*W0?9:`;02B"
M4`2A"$)1'*&89[?N4JNK-FNY]<N+7%;P3RO4Y925C>56+ROP6&$F$#,E09^S
M/8*E\CY2V"DB1FHQ?LMRZINZ7F*IS3>.0#BT)1SHDI9#Z<`WX_,O',"(X8=<
M7_T@9FHO:C$UM=N!O$[9HV&5LS1D%G&^\3W74RW=L)Y:11ZWXG([_>16]4!H
MYE[L(F<)"`(QQ;.8ZJY9!W**EIP"RXX?6EV&"7P9&>%-,K20(G,ST"2-.M=?
MT7_;6_67MX\9`Z\2+P-S\HE,]=%]C>2L@HC.P=*''QZR7,!2`\*QE^:DT+*Q
MNS8L"$=JPK&^$5LCC5)(H[?&?EMFB+>&)7G/MN]B![G<T-%V367&&&>G/M[^
MAX11OJPRYK4):<X6K\RD_]O_E+[9!K9G>$)H!Z3#WTCA65C3`9@%N0MR%^0N
MR%V.Y"XU4YU]S6PU[`2?CHTNN'=L_]%$NG2-'CWI%KF>@WU!WS&LIXSY!;QX
M"]2+@WE+YV*TST82YH^#P57V**L]EDR`AY,#.P49`3*B;R>G]6M_>J9GLIU0
MT'&-/_NI'3N]D"4JR_R@*Y537UYL,L14J9Z5]?/W&>YD-N2'YFW=R!5"U)S#
M&`''LN2M5B^HTC?9.QSS@RZ0O<WL1)EPI'"Y%KXU+1.0OHP"KTWE2+#Q$!*=
MF/DYAV+%_PMQ8[TF:G0/[T[@AA%R*\9O6%V?-:;/1CQ)::[U65WKN'<*358X
MQ%>'1#17!A;(:)8'B:=`!@CI_@CI)K,]A'5/LL=J'N4ZIOME>HW5)1U:(83'
M"^'*WF<SA9OK8"(OK-VDR5#!@>>%L9O/3V6)FF[X,<(P3Z_5V2@]!4@8PH$Z
M`W5V\*9UGIYJ)@QC@SKC6IUUV,<MR@=M0\ZK>F>2WLP+Y!W1S%PH2_J)V9R`
MS2[EFRVVF<U1X`7;(`<!YWW`.>@>T#V@>_C"MDARD,[8R>([Y<=C8]$VK[.C
MA&'.,\?$@3G/M.G?B7'#]:K@8,XS&\2W7IG,2Q4`C#.MWW<!QIDRI@V,,Z5Z
MBMONL0TSGD5A,Q"*_-(&A&+/A"+8K&+W]&);1E0K*:IWO0%8V25=JLS)PA&,
M>`;9T/D:/A`.,.*Y8YVB,B\L8'9JV[-3.VM+P>A4&/$,8JHK8JJ[9AW(*1CQ
MW#U:P8CG?HXQ[:PY"5-,8<0S5\*QE^:DT+*QNS8L"$<8\=R:T5MCOVT/$X11
MH\VJ#YJC1@5O?4$1J34FC3*55?V2)=0&0@-BJ0KI%ED<9#KG!`(=P!'^.R"J
M8#@U#*>&P;,M9OK#X-D,-<-GK7Y/SQA_.VV?^B!W>*0*2"A>SFWKB17T3&08
MHET"6;(B\8.>U@:W9F%&B#FM68#/82IK-JM7Z)O='T$``Z]ST3.:\H,=$),T
M`!^..2(I5W*2(_W!GR"`T=0PFKH]+<2=L<Z46SLXY#23JO5&FG96$8%)>L1U
MYP\[XHI6N<*X,!"MO(M695!A]B/(5I"M@HZ"5OAQ!QH9!5UROTPO8VI`WC:W
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MD.K3DX.>,$`$'$LS5JH9`>M*Z(>&5IZT(&#B9ZE"9I$A4<N@1D1"F4.BZJQ.
M%];D1!VJ"Y_0A3-SUD\]^%Z?D7.$2U[)$R%+Z=+CFNZ6TIJ[SFKI0&LM)MM4
M^V6<V7/3H"2P!@P%UOTA*65IIJ_CKV^I?2(M$/Z,GY-437-\3&DC:AAG6U+R
M6MTDZ:S!DS&OD$_!`GO/.O$5_)F@./R(A6-J^R=$7N)3\:R^(.D1(0N+76D5
M-@66,-J66+1NFG"X9Q(APY6]7*G66M)M_$8BH^W%`J^V1;)##E]PR-)=A>N`
MCR'`=+*?''7I!H+^`'DD-51J.[_".[1LZW0+)%7('I%*2N#R#]=Y;!AL38I]
M4R:7$<AODC:(7)<S9#E^!WG]Q6"[X,\_I;>RR@,_@Y4#^':W,&EP"X15%[:)
MCQZ1%X%Y1]CGQ2#2PK`P`RT#6X,&*P1@A*^E:($D5O6"(:)$-K$P1A(OH@PW
M97,DL3(5>R2Q'C9(:*C<)"H)N:@#2<-J8HC&5\-[QI+772'-(PX#_:/P_>[J
M+BGZ*1,MM@F2^B/T>[`I@77+_?6M2_UXJ_C+_J.+_O*QWL4>EXX6JF]ZU(_W
M*]WU,+4-2Y*52"+9BUT7D6OA=,DU=.Q8G#(+N)*&;4.L5K'-1XY\;$EBUMCP
ML;1P[*6D[C!'9,Q)ZL(CO<*M4,'YJT!NO-K!LDCS/0.OMS1<%R^_,4RQU:JC
M%0I=`=L*I`RQ50,&)!^RWD-WV[19FQCGJFDF)1LQ8[%<V(J"/"0&9CSY\*@^
M&J;AK0DF(N1C$BU4S;.=T!>R-^:QBYP7E#:E,R5@:/K'H'S:%<+!E_:^LP/G
MQO<F[H*+[<7@]Y:7X4G%?2)KQ.!":V_SG3@^:*HK%UU$/R3S2LJ/\U:&<Z9]
M/;;K,[D<H9C<MFV9-,Z;51VP>B7X"LVH3IRDZLY<9MI-8'@7G1`/9&F(+%^)
M%U24*GGY924..O/CVRKUF8V/9\8#J>'QI7)3`>7,4=[#<[>S>IW&7T7H7*JQ
M\+"Z*BHT\7>_72$;K4AY0'6O*41/+%Q&=VX5C",X?'#X>DBAI@\?Z.+R\%=@
MH'*Y2:6/+0MS-:_3\5BN4DD4?8L%MR>FXY4JL@#N`NZBQUT@39OF]V8ZIA\,
M-U499]HT"0J@2&0:'!QDQ1$)X!2T3@(X!;2T4XTH925M5@U)X:<`.,/#;]>R
MZ_.C`8)2<C;)B71-[@(=M_(\C"9C&&P(4=U+YG?PR4%7N<(4R79-8[:H9FE*
M?U_9EG0=Y@ND\%UK]N2A-[Y5*P^>A&,,QQB.L7#'F*ZATT`&3PT3I\YH'NF>
MY)'=)?-+KZ-,KE)C>_B]LF$I(<M!4D4V"HER-IX6X!S8G"N4=X?-.8E:TS,5
M:HTF@=@@4WND5#=5`6C!$%6E6K[P3_A27<0$H+S(Q"C5A5<`6L`I+$KXW%/8
MJQN"8Y9#Q>$*$#/D-698Z("4:BF6HG6!S31*;*9.2@>H76HD!%!;<&K7\SV`
MVH)1.W?P6.-W!.406[*=(5.CJ'2+^2J#-6HV6J49Y&,*.-.88`W(.3N\I1H2
M`[^)ZRKWD;F5"F8G<#=(T\H,-P-^`VG:6>;FR<ZO;[=3J]'EYDSR(]/+-HEG
M5C\-M`':`&V`-GS11M#K/R;IQAEUOF5J!ICBH-?WA0S%#U"+!VK!<08&@>/<
M16H)5Y?#IE\6M'"%SKK"D04ZZT*;UU2;UPJWM(!RABCOX;FK=UG4I=:1;+0B
M-/<4M[DG'#XX?$"AE@X?Z&+H?5J],PP_G5Z@LRYP5_O<!=*TNQ7+F>$FZ"G:
M.@V@LV[;%(!3T#X-H+,N=-85^,866G)"2TZS_9:<<(SA&,,Q%OX8"Y?!P[#N
M"#KKMI?T#BU'`>?`YAU%>7?8G).H-3U3`3KK<F.3MSO5GC[JZ6%&F(Z=6<`/
M<ZO9!:2K0+B7QQW#/9RID*[#W`8HO8K>']/JT/6V!_&\>DUN@;0<D[9"JR<@
MK1BD;;?:!DC+DK1-E/44CX"4PR/TJFTO;,84<.BNF,5B%9Q$8"\!W-4>L.X(
M>!=$(TN_$AK-@FP4E7>GN5&1A`U^[I'PV/:3;KQ$/Z\B4$S#0J<;"UT9!!"?
M1P]E/9_`PK]]US,6ZW?))61EEXNWJ3F^&?UD&O&[W2@_U[1?,2I5<_6LOLMX
MQ5)UGC!J,?DN)O@%FX\A@2X4"GC>V.3/2+(3=3Z/84:U9%B:Z>LHA?4Z[W*E
ME8/7-5897D"==4^D!<(/45T3HT-2-<WQD8YQX2$'N>F,KSHOD&Q+2L9VJ2Y.
M%[_D+EDB"-F2+_@4()WE+ARJJ\6Q\[.T+#&-[8_QL8VDQZ_GOGOZI*JKBX^&
MA4\'/B>)2/P]/KOO35O[\_>??Y*D7Z-'[[1GI/LFNEE$"9I?;0^YP<7\I:5G
MK+1=2#+TW]Y\NGX8#F=O)`V#B?]PBQ:_O?EX>_/EX9^J-9`?E($\>KB_>;A#
MJ^$@_/3!\@QO_1`*SM%\HKSYO81(2\B;04K>$`F4(_/*DR7HR;)Y!U&X%X/M
M@MO:!&>+&1ILE>@"\[B67/2T1'@)N@NK^#PL**^9;#)#=^43RI`2)J2[8B!F
MKC$;A/N7&4"<CNW5@Q@?5Q?K>*PU,@K#:BV=D9JZVI=45>R<P&"*OA,;>*:Z
M<M%%]$,RA)F*<BK["=?[ANHP"H2R,E5+1J^'Z<!L!=(0E(8?`^CRZJV^5*FF
MDL<[Z?*T4R.CY6OC(&O'?U>7JW=_DR>#Y$_Y>R]40C"9E,4)VVN'"!XZC'1\
M3'>&A`4.`@XZA,1:/>E8B/66Q'1F+<_9W5GHN]PAY\7(JB*N5=%S\,4U*O.B
M$R?T,=W=T8!E4]C-ZLU(YU*QN_&$;1)^M'Y#BDD^4<:E4B"`D]OAY/XP[@$^
MG8UR)TU3TH@<Z;E/)'IIJ1[V/U3SB,+KXX&M=PP+G!2>!??T1)F"W.XR&V13
M?5KX0JTC4O`/TWXDXL]>+I&C&?C'IJW^1[#Z^W+F"HE>>7(R&J5#^L`'W>&#
M3+*/3H;S)H2O(!'T'&']%7FOMO/G'I.1_Z0O6(@_J_B%34MQ#:3X`8^7#:-5
M.>UL`[8-:XEQJ7HP8#)@LN,J:#R'2X'CU;9.3K4M(^VB@W9I*Y[:A9!G(8TR
M&I_(<JE&%L!;P%O9K#0ZD2<-7C"+Z,M\1JY[03H08D<%20O;D4S;=2'V#E8=
M<T$_S+WI`B8#)BM-DN%LPI7K(+!B..!JG$@62E>:]/C<MLT%7<HA$D3R%%-O
MHY/)K%3--)P4,4X*'(Q23MCP9#K-]><YU\HEJZ_9:N4;[[F(/F84_T.UXW],
M4=]G65@65;VU&LJV#6@X4_ED,JQTHP8'JUL'"\Y1*;__9#0HVJ>77@L.SCMH
M9&=;!WTSJ'6C*,:F]-:>G-&HB#ZTNO3(</&PQC:H&1<4^5.VR&>X]N,&^?9"
M>G)LERG[)P)G++&5\`$D]44US*!.WK,E%WD>_LE^Q-(F**N@U?7A$"@JR\5)
MPP*B@U32LX#A>UY4QP@P&'73D5#0KT1Z^Z]/'WZ1J+7../1^RGTT#KV&2HN*
M0XM3ZK!QD.59M-O(V0M+87>"SZ^[0IIGO"!SG=OQIZ9MD>Z6P]JV$%1',#5;
MINF[3HI868+9DM?6?IB^%*2)_`V&=!])"\=>2JKA$`?"/2$JX_79T)ZQU#(]
M5;HT'.DS^8OT-OC%+Y)F+U>.X0ILCV>4JS+`K<#<-U'2CBD+#(&!PIF!PO!%
M8/OP:OOLN&58M..WXP7Q;\W`@<'NF?=,I5_@0>\3:Q356H>AU)DB3]^YTEZ)
MO>\XR-+68:W]RG:\!7:P[(RVDRSM-J&)K*Y6COT#$]?##"RJ8I*'9^GT!(HD
MW\1<6,M;<;'/U"YH`/L,UV9KRC0?H6/Y&M(>V]!1H%B"IF%@"O)F"G;)7F/X
MHFZ8@JD4G80=R!!Y#EIA,I&FT>HR:%#-5K1M[=FW+&-/#-?^1=*0XZF&)2TW
MQ?IN4/Y"%"?>F6ZX09]OO-479/F('&A!E>E;P_B%Y?J[[1"V+0^8<L8?7^]8
M\@9+2J]4Q[.PA'A4K3]#EC.P-G4EU]>>B>YV[+5J>NMPAH&C6MJSX:)@F@%+
MT2M=ZKH1>HCF^B0`2UR-)=D6V02QB**!(:KIVM'4$.SU^N3(N_@GS$@L-_IO
MV\!+80GB^0Y**H4SEF_=JB"&[X@OG_'&-JH'X]-"'K$^G;"@T$U4%#(V2EDZ
M:R.FIF('@MP9[=I8(`@<&W!LV@E$)\;NU!Z\E9[;4V,8S^Y4G^!K\5-_!+E.
MVW$]\]UQ/9=W#S<?\R?T2+YEA`]_O[M^(^E(PYZ,Z?[VYG3RYO?16):GX</Q
M5K(@*`'C:)`%(^:W83!3:%@:QI$\&=*&42X+X\-FW8<[#[M-9++/>]\E%\'N
M73CHQ[W\8;@/ZH_5P_<[$IV*;.@P2)6_146>C13:6U3*L@KC+2ICZE0<,J3B
MSHU+V=U.IU.9]F9'#.E9;[/*E#IEQPPI&SJ[<9_6,GN51\,Y=<I.&%*VUF8G
MH]&`]F:GS#>[B6)@K1OU<"RUZ3%U^LZ8,W/=+<^+;QF_-&'LY-DWV1,'1W/V
M$P>#&I_<R#'Y#?MQ@UD6Z\\_I8W451'#E(/QB5G[^1S.[J0ZE[`!Q^[@>^A-
M`&3HVAU<G]T\0X;.W>'=)&<=BCR=<-CD2+`"!>Y#JD/E0NBH3R><LNR@5V(T
M_(0?PDV*PMS9_A3!1]I3#('3@-,*%2G7FW9(6T>T)/.S$"/BJ,-I^<D0S,YR
MR8F>C4G2;@YN*[3U\>QD()?J;]ESANH/_QQ@E^$\MUD<#>7`D<BG-/6/_:&I
M<Q3XG?Q32(9-3^;SW$D,0`UV$F%V,IWG3M^B:"WR'B?(23HL,C"/!Z7+:CI[
M14>+=_>ID'P:Y?9Z!E*+0>I,<PC\Y"-U2Y));DZXY'_&_D477(!"XFTR.1F,
M2PW"`1+S0^),BDY/E&'1-H5]-.IH#*,!/<^GGB\D\^03&:RZ+E`[F[C*I,9D
MX9Y>DA<R!$M/9>')5&CRA`E\W2'(R2]FVXY.YG*I/N?`L+Q?IPC"GYGL.#Z9
MUYE1TJYJ*CN@A*EJ"DM/<Y02HYO\QYHW^4Q1SHDD*MNROZ>JD^\)(;-QJ:%B
MP-W]UK-<C>F8=&M(QZ`FG@[V&4PAB=[:V2T,6?8&4&9,QT;\?3LT*!KRP/!E
MI$""):Z&\AG3?LH,UVX`^QV:WI%]?4?Q!=N1((*R4_8@$Y;,Q7!M&+]R[#W_
M^O2!Z6F`SC$%%#5TCH&6F$P,VD10:*<I>M2QDB$"PY=B;1)W>63<9TO%R]@.
MDC1B23#>&<OUMYWA&V5OBO(FR74LZ>V(:F,5[=K'M`]Z$YWC!*6/P`T!V;;W
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ME="<`\F(9?GHJ#`8-0A3`(Z&*%,DRY)3TE`\D,/!Z;A"GQR@?0=H/QF<SH#V
M_:3]?/"_@/+B4+Y@-5=!NU%@:Y"QC<?6<F-KC[$^<XQ/$B^2\5I=U^O9`<@'
MY`/R>X%\4,N@EN%\-"*<R,42""=`/B`?D-^L6J[1&Z8Q-1Y\K#0<B$U+DPP3
MHOZ+PH\!_G-&;DEU9FXU<X7$:'!1Q=@5HZ9'[`3B)MN$/YG(%J&]H>^UGRY*
M`MH";8&V0%N@;3NTO;>QQ95'77J&-J?I3(5,[&1SVR"C-IUBQO+U_$7NA$Z:
M.@Y'C6`@8!NP#=@&;`.VN<)VE^[QI`+#B?MR;UC%F&=IJI5JM-K:?42AK8RG
M)Z/1M![U>;RC`/(7VHH\'0/M^TI[1>:;]A5,$B!]L=O$R9QOTL.Q9Z?Q9R<#
M6<DE?Z?LZ#(3W\&@%BOEIA##3T]F711WPM)CQ+G9T2MB*)R?#-Y2AEG28C+@
MFQ:].AC3D_D\_VP(:B65O@M-M`'J^XTHSX<!)`4@1WSD\*;O><(-SXPCJ#*$
MJS<(Q+7F>@U.Y@.X>NLK^64%KM[Z2OOIB&_2P\T;LU,/R1:]I;TBGRCC81=C
M2O5OWMB4LKY5,^I(&ZN:%=N*%_:834]DWO5KK^@QA&L-?HBAY&=^`#$:O0GO
MH"TH+#&F)\J4N7%6HX2T96,NG%@BQ2-+>(V-,D4QM`WAY+2^?:S0(8;M[J&^
M'9@#F`.8`YA#7.:H=BD#W-$3[IB<C$;YT8Q&6ZDTZDT4/05MP\VR7IY+8YXM
MW`Q2IGB!FU-.:7?4";`*L`H7@`.K`*L`JP"K-,4JXC1!I,C?W%C6O%C*O`@>
M?@0)-X*AC;!`=CX#C%WM*^UA[&I_:0]C5X6B?$>S:LNS8'-IIE"\V?U<JBRF
MA.&3@'Q`/B!?,+4,FA,T9\OR`^9#`O(!^7U$?LMS#FK<LK3J_RH#>9AB&YB#
MVJ#5PI1S.IE;F$5AF(/:;?K"/$6@+=`6:`NTY8>V,`>U4)4#S$'M4A833"\$
M;`.V`=N`[?Y@N^V+-:J-1Z`9<RUCGB)NQ&C%F`7Y>'HRG7:P\Q40%R\GS_+;
M-@%EA:7LD/,^CLWU2>X688>#"=^$A2-;5=/.3H;S_!XJG;).8;IHO])69B>3
M">=*J<OH'W70U!,%]\J,;]SSED-+4ZMV<%2,*+B?G4SGS'M^"7$9"(-`A>!]
M$`R`'/&1PYLVYPDW/#..H,H0[IX@(L;(;9)/1C/.72<@;M4;"ACBV5'*3N9\
M$Q:NGBJ>V$D'QY$!94-%.QOE)WETRCB%JR<!/".*B*\TN(1SP06X!]P#[OG%
M?1=3ZT3!/<E9E?D:2*EP9/YT="!E212S+B8M"0[C6E*%F\/9P!2YLIMME!7:
MKRL&7@!>`%X`7N"7%^1AE9(C8(9N,L/H9#@O;,Z?>R3-:OM)-UZBGU<1/*9A
MH=.-L:^$=O9Y]%#B>=^,?C*-^*MNU(3,M%\Q,E1S]:PF4?5OW_6,Q?K=4G6>
M,'(\>W4QP:_8?`Q1?*'4Q-5L^_WW""]K&=:39%C2PG!<3_K+5QT/.6F$U7F/
M,I!'5!<\D5174B4'N;[I2?9"<M>NAY82LIY52T-+9'GNB:0C3*R_?&1I:TE7
M/97NI@Q7LNQ727U1#9-PC:1:NK3"(.&7(UVR+0S@RK'=%=(\XP5)CZJ+O[*P
M'<E[1ACANJ&IY$'UB1"`_/QD.P9RSXAOM5*=8,T`;/*=E6.0_T7X']V5@G=[
M\;O/I(]4]V939@#'</^4\!_5IX`VTLIW5K:+,(T(+H+]6FOI&1/U&9\1C`9-
M-<VUY'N&B1?2I?D`8V+M2BL5L^@CZ=&'41:ADBJD.=%]Z>VGJ[M?Z+[.14\$
M(0$_Z\C5'.,1;_<18?E`SB0V:\XR9)=I4!(N`X;"Y7KO]%'%6W@F-J>!+NMC
MEB)\I5IT`<YD8<H"B2[$.Q)&TGTD>?9&T-)]$=75--MR/4<UL`8XD^XQ+1%F
M%70BN;[V'(I3(F:HOI(@ZA$A*Y97A#L/R;P`*JP-3**I7,)I&,T.DK2P-25!
M\FR>X!6">$VU\!NPA'"P)M&)L"""3S<6"[P_O`S^H_=*(""_#OIM!=J(?)H/
M_I=$VN5+I/.O=.W'K\9*`X.9S#1WXDQS(GVH(NF/*ZK+W=%E08Q1;$70A1"M
MO!"MPP%EXX=OXXPN>(2/L=X-^/D/\B]]2EUCM@\))=/';;IM<CW:IXQ:;`MB
M>:?]2>P&U0TMS[2F<3W5\UW)4;?J;5?$G$F7.Z)`U33;QW#BU8E$-;#H.62'
M&0O\>1W(."):M](PE";X6Z^&]TQ;G$208%X(3,@8]+^KR]6[O\T4>?K.W=E^
M*(8QSO!F/V'K7-<-8N:=D`TDS5##PK_'3Y&=FR:QWC%&L26O(=W'YGU@V5M;
M!(6&.1;:9(GHEX](LY?DO5D("XU>U75MS0@\@&P1',EI0@*Z&M+$[S86!M*I
MR]#=[=*U;@+<!<K3Q=A;$CR[@>)TG^U73(]'^P6%,.PKO-!_"APS-23F5A7G
MV=;GL0^_]?XSS.ED0$#>-9_/MVW+HU#"K^?JC]7%I@OUI:43&#&('PT+DQKO
M+U'K=4_^]QZ_[[UI:W_^_O-/DO2K[YX^J>KJ(N-Y_!.)L.B?K!?D>H35AX-[
M>SPGJ-B\13+TW]Y\NGX8CN=OR*DFF[E%B]_>7-X]W'Q\P`IK.'@@ZN#A@^49
MWOHAC*2,YA/E8?/FAT)O?K^^(CQVL\AX^O*'X3Y@)#P0KE\&3!]TNPSY?_N>
MN^C`OO==C&#7O0L])7?[_>]W9(7(.0N__D;R\>$-]O3][OH-%I::L51-][<W
MIY,WO\O3<;BC7\_K(;(",3[\Y:OFO?V'@_"^G'LL?^>#+-),!KTDC3*95R+-
M$;2&A")'KM!J[N9@QM20>TF-\70TFD;T*(V]DDA/"<,8^TH_L3\;R$II[*?0
M6$%(3;"@FV5JC,FPEZ20%;F26$HADJKZGHPZ0(R=0&M9NHRJD:5113[N.Y$F
M`PY4>HYVF?2=0-/Y?&MU\:)GIGTGBE+-$#Z@<6J8OK.^4V(ZFY0_'KM&,!O-
MPI?WG@A9-&&1Q8X)?:U"R3Z;\N7#-TP@I;T@RV&],N7+D6^6)-,1'RIERI<_
MWRP1E,%\P$%,9<J7(]\P#;!P&K9B\1;5[5.^7/LZY*GGX#/4\C1.$5_.?6MD
MFBI3SL\37TY^'4*%A7=QW5T31EECYXDOM[\U,DU&HT$KYRG'F<F,`UPC;2@3
MT@R%B`-4<&-FPTHGYH`;0^.,9+K]G2?$>#:<CVF=B>J^RRS3I^\^]J?3:?F[
MR!I!L,,N_"S3A>\\!>0A5>^=B94URW3L.T^:X6#"22PRY]1D^ON"D:;>A<JL
ME>C7844^R_3Q^T22V73>CIE;6*!E^O=](M&8!X<Q;85ENO-]HLML,AF5/CHU
M[+'#CN$LTV?O$RU&5%U$6@J?+W^]V0!_Q2QBZC==,[Y\]:9O64:S69,RJJA6
MG_/EPS=+%9EE.AXEE3+GR\5OF$!T$R<H."ISOMSZIJ78;-1.%GYA<<:7:U^'
M//5,XFIF6%-W6W.^W/W6R#2=3F6^SQ-?3G\=0M6ZA!PJ?)\GOF(`K9%IA,TE
M6N>INJ<S[\[-?3WI)D\YB<O,^4K<;XTBPVK^#MOHS+P[N?OU+F6JZ9CREYI7
M#M(-[_]@U831^BELNF<[>\T5(O+@$[Q+GH^W-U\>_JE:`SFDSOU-+JW>_+[7
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MS0HS[F#_9%#8*3`N,"YSQFU(M<R[J%DH4?0X(*4%$?`X:^&<WFG)N2PS1C)R
M.`AZM%80C%RR`AP..!SM'HXJZ`$=R8@5@),WJWUS#$LS5JIYPJ&DYP5'FS;E
M7<.0X.##(>#^$(#.XTCG,3@O<%P.H2C(O4"N=R(%TT[(?X"L0\@*1D7^IV0O
M`$5PY.#(-8$LJ=J9XTRAU[B#$-,`J+'A-KGMQC+7+9Q%UU_1W\M;-6.0?>)-
M'27A1X3:"`8#">EM.Q@[RJ%*%!2=(-2$)R$(->%)6%ZH-6;#INC>>I8NPSS2
MY(C4H--+1NHT+^9S.42+&%B'C<)&8:.P4>%482L*+C-`)DG?S^[.PM'?4>$D
MARJM!3.LD#T@GTWJ6=85BD48;N<_RVR&<\+,@#!\$B9=O`B$:=ZCE,_F@M"A
M4VA7SF1`>QO<7@[M=0L]&D)YYXS1G68>1ZQ2-O'%Q\KQQ9Z;P@HH=EX)4Z7T
M'0@#SF,'"0.F,#=H5\[*]74`M%/B]C&8PCR9PJ4O'A/=\GB\?FSNPJ)VIQT`
M'H`'X)NZ>&/6B8EK\0[7;BP\IZD@IF-W/*>"A!'%E>H=82#6P(?W)<J]=,?0
M+HI<ZAC:R^GI/L4:&J[J@VNZ/=.9+?Z[6//(\!J0+3&X-DRZ0_@JF2U`>.$)
M+U>Z7P;"\TSX3)VK9>A<SN@,J`?4MXMZWF+>Q>MO&G9(BIOHK</.L`*ST5-1
M6&2TCG%V569,X09\`X,#P@'A(%'XQ'>WTQN*HY`GTXT;4XR7<\G+.>LB/K1>
M3XDJ%L<5<E1B+^EY@'Q\CDN<[DMN1EEZ7&7-,1"<C>6""@=[)1'49FR13.C[
M;+M5FO-5VBL_#7[8\A8_^^P3=_%RHJGR%F\^'BA'4(YU86]3*-V2I#%)Y7'B
M(B<8FG,[DI(3!-%AH>X>L2H,U)":Z]\`*Y'UA,BPMSKH":8\'1^R]]XP3<-Z
M`BRQY*+NGK'*/`2:#C1=IV!O\Q1>/:O.4\V)P=W%#J6!C]U%$+`/??;A2K^Q
M33&JD9?"6:(P7[EC?&6$<8(;;O?:IHCZEVWZ2_X$N*#83/1U`Y0"@_*'S:H,
MVN(EZC9!;)R3(*:,%*99J]OU&TG@H](JLD/Y.K!-V&:GMMF4.$UY,TEY.LF3
MIV/E;%H:RNVW6*BNDDUK.`P1%)+]U0K%.Q=.`5S5.RV#,T6481Y9X`O<+ZU_
M8XKJ:YERWI3"EU;ZP[0?B3JRETOD:`;^L;)2JH$'K@3SX&Q0I5LC4S;H4D<A
MGBE?I3LJ$)YGPA\XX54:>(M`Z)[3M=SY%<]^.?=(,&W[23=>HI]7$2"F8:'3
MC76C#`)XSZ.'$L_[9O23:<1?=;T-M4W[%6-!-5?/:A)%__9=SUBLWRU5YPEC
MQ;-7%Q/\BLW'D"LNE)I(FAU`TOTS(H8*ML;6TLI!+K(\<D=M(4]Z=0P/G=J+
MA>2H'I(>51?I*932@T2R+0R!86G&"EM,INVZ>`';,M?26^,,G9VP?#7ZH9F^
M;EA/DD$B"LCU)-72SVU'6B#D_B)YMO2(L`EKN9B:&$72J^$]XV=U3#IG3?[P
M@G]KV-:9Q!#,3Y:DZKI!WG."X=%4WT62ER!@`"`^:2Y+*'P+_]9$FF?@4Y.)
M+Y9O-RP)O\U8JAZA%LL7>4SW08Z:\\(65PM,#X;+:P["S,CR#:$0.,F61UA2
M;,[L5FJ<9+.C@26:Z=J1?$/Z65HSF`8ET3UH3'2_1_@E5BBT*!!A&MA*F>*1
MZ>J9S2GH8>DDYAM7(B="0XZG8C%B6*ZGFN:2B'/35HGRL75?P\?^67W!Z@XA
M2W*09JJN:RP,I$L+QUY*5PQ!)>%KALM_8;AV>#7IL'Q#=.O)\!WI^`Q%&P/;
M$,`\AYF')>J9JBC58LDV:55%$2_?6!HX!I:U*X3_T9,2.)"MENVEY2M3TSF]
MMH@:_[\P>+9C:%AMK9GZ0\3<(L87L;2"PMQ-VK*D!>G=TDN0@T6,+&D^D'1U
M[4HK4KWS&%;ON(EO.'&ZBH0QBA)6F)2T8*2%X>`5_O)5QZ,B#3IKS[!4(H1L
MF#Z^Z1':N6OL[2XE9#VKEH:(I82-\6&2X"P#`CY*L)%G>\2^_YKV`][&00,2
M+?@EX,K\Y\@3H6,?FWH)MLR3%>=QC&<;'<H0#\F`D;PK#L[CB3:;T-&OY[Y[
M^J2JJXN/AH4QC0]$G.1U%7A9_\?'ZWOK3Y:.3S^6`>X]^=L]?O%[T];^_/WG
MGR3I5_7'Z@)O_+_)OF\6BUN\ZV_;/1OZ;V\^73^,!O(;$B<@,-^BQ6]O/M[>
M?'GXIVH-Y`?29^SA_N;A#JV&@_#3!\O#KWT(Z3*:3Y2'#:@/&:#BGTB@3_]D
M8<?6(^SR?GU%Y/O-(N/IRQ^&^X!!?B!I&\O`!OA,E&F8YK9]SYV'MQ&LY;L8
MJ:Y[AYX"3MQ^__L=62&Z8@N__D;R+2/<X,IWT!M)1YJQQ%[@;V^&;WX?G`WD
M^:_G>?@ZCM%/&U?S8^!B1MA5\K`[VL'NJ,/8G>5C-XF[,KP[!.P2[$[8\.X(
M)`/&KB)7X=W[9\/QUJ1)!RECOO;1I?L-.:2877W"2]P3]15C>KR+Z<N[AYN/
MO4"NO$%N$7151>XD%[E=E@M5<'M<Z$Z[)G1WLD:K2(BZXC?&[:QK(K<N;HO;
M9>6$PKP#0J$V;B<T!42F#2$/@*'WA,60IBF<C?1<EZZ7$GK$W(:3E0[8<+4E
MRIBY.2</N<)SHOJN(:-NRA[%(ZZ48_,H;D`OCOD5T<WC^XB-1T,E3OBU0P3'
M=XSC7,>P;S@^$O$L@]=<I[!OLF):&*_XK;'TWO01W)7@">AC;.=[AB(Q;FUK
M+HI\EL+D#F>3X01!,^?=Q\.N8&'GCBWFE0%@_LTHP'PBI%0`@[5Y7I$[8_"%
MM79QJ5U)EA_,:K)\10+PY3R*3("2,J<[WF1EQ&]$SF!:4>:4Q'AWG,O:&)]7
MQGB^Q:ATU+ML_:(FT[=4<GW+'F.;_<6Y,NV,,*EMK(_*!JVB)+-/RY5J.$C/
MV.->6EF,]WHNZ9O?]PHELU+G@DK1W+1:\IN<Q+KRF8>R'+^#O/YBL%WPYY_2
M68"K(IE_N3N8-+@#4MFYL$W3?B4)MAZETHG@A9LTVI5COQ@ZY55I)-,G@8PJ
M)HD4L1:VLPR.7%C`B:71"FD>*<U(E%'^75VNWOUMILC3=UCH;PX+C:S;!%B)
MAGZ4]TNK("&QYHGT^FQHSY+JA*G[+N9W8V%H*EZ35%3]<75'(QM]AVH60XQ3
M7CF1X4X;[W37RZ?BIZN[`.TLJ.EFM3ROMR;=Y;#V\D+>&*:[9-4C(M?[IE2L
MP/;H7N,#%M)&YAZ;Z4'=M5;,Z/":*A_8L4@*=JH(S('H.W%[#E-=N>@B^B'9
MP"O5XVO7<DGWYI\QG3J[69Y)`Z\TR@^W.YDQ;3(\RY\]L&VIIN2T5!O-=CJJ
M,6ARRJZ76I#4(MDO&492\;D0]'FOQ$2(*<M3,"W1B9(M3D9E<`+TH4R?(J<4
M"`0$HD6@0@WXY4$=Q5-L"F1*]30Z/2^W!6HQ\TAHHX>F*9-QYEF?Y+KGDQ[R
MJTQW9CX+LG$B,+(R.H2AEMDTM,:#Z"CYK^?LVC(Q@GN=UDE0SA(`_0[ZO8]G
M-1AL?>V7FUD&$I,R%;[:UFGK%"@5LN,G$%=U2APP,65"1+D;0(4VJ?#=PE0`
M&K`):H$!%WX*8F4&MO(-C4N33E!5MO5?I4M-<WS#>JIYC@OLIX,'F1Y!`C+4
M]F6!"O6H\,76@RZL0(8.Q=@H4$-0*;]-.F\?@[WFYTN2?TR:Q[9K+%.P!,N-
M;VHIGRGX=&PD&:6<OQ*6ZMLOI)[/MMQ2TUF;"4,RI6OU!(,J\+0=F]C4][1P
MU%U_17\_;]4,=DV\"5BK6;.H,WSU"'S%"5\%_>7OKV\[PUI9\\\/LE:5_&%6
M1!;B\H*--P#'F1:EWZMF2[X&F].L@Z+@A+-(@1S6$]VQ05!AUJ+G._-:!53(
M:T[6CP;F:+HTJ\NW/8>E"R3E-WO%"V@'M`/:`>V-."6`=V#W3J%=U)R@3)M0
MDKZ?W9U)@6D:M8^B9)4*8H/6.@4,O87_*(.J=J]M"^U'DB>#4N07XRX=.*`$
M!\QFP`&]YH#A8`X<T&L.F(RGP`&]YH#Q?%27`PK5?@(+<,L"T]J6(/AP21]N
MIQ,P.'-=2XLMJ%F[Z%X)3I-M(^`A.:9`'B`/D`<DFL@T&==VX'DTW@4G"E4Y
MUE/3NG0*3R(IE%8B#UC95(X:Z`C`$>`(<"0FCGIJ'XEFI##-C(><#ZC8Y:ZJ
MH3,Q%2`_D!_(SX3\H]IWNT!SH#G0G'N:#SD-`P/1&6;O*>+'EHL7)0CKX&4W
M]F_7H6.*3):%IXW*$]YRR!I!$W=B3E&JW3NSQ0'34C#@\MYQ>=5B#.!RX')Q
MN'PXKN:H`)<#EXO#Y=.)#%P.7-YQ+I_,)TUS><L=&H#)>\?D\@"";"($V6H$
MP=I&2V?"94(+D>**JW7@NZ/C@&.`8X!C@&.`8X!C@&,ZQ3%]<M6[SC"".K,]
M<4YI.IM:A0$B]!N*,AP=$HYCM%^04R-T29_W&$I"?B1;*4@8:S:@3^U3"@0"
M`M$BT%;OC'/TCCRHHW@*)3@/4JI'-/-(:*.GYXT2Z"%_/I"NU74;PXUX(@(C
M*Z-#&.)A"BBUX>A`#`9U"DV3H)PE`/H=]'L?S^HWU?6D:[^-P9A`A2T5OMK6
M:>L4*!6RXR<01V^&+S!Q+4)\6JY4PT$Z4*%-*GRW,!6`!CVXOVK%@`L_!;$R
MCD?2"JK*MOZK=*EICF]83S7/<3_;\M$C2$"&VKXL4*$>%;[8NK$P:AL60`:>
M8FP4J"&HE/_F&)9FK$"LM"W<3=-^52VMY=A'GUN6*@-YF,(^4\/T[1?#-`W;
M<G_A+^K(::HAY^5WF:$($L%'KM?"R7;]%?W]O%4SV#7Q)F"M9JV@SO#5(_`5
M)WRENI(JW5_?=H:UM#*L525=F!61A;BK@,ZJ?!_G]ZK9DFO!YC3K<)I32%G8
M#I'8W;$&4&$B=[_\)OA49FQ88!C2&A@FQC7+80T"V?#-WJT"V@'M@'9`.R]E
M]GW%.["[B&@7-1DGTR:$*7"U3@$]S%1JCLA/!$.2IUT<TP[TC>BKU)_OQ%^>
M*)`W(N]P6GN4$Y"77_).9U,@;X?).ZS6^;UL'2,0N"4"S]I6OAUS>H*4'TOU
M#-M23?!^^I#`*8TY'5#:(Q*T+<5Z3X`Q$*!=`DPZZ&8)1H':DS5X-)6YI4&A
MS(BP3NAO,T4>$NL,3-U&<E`2^86T,E'`ZFVAN%QXLQ0:I@&&`$,=D$3B6T;<
MLU&?"T`A6P%J+B@2EZ;/`14V0&V@-C?4'M=.1F*9FPD4!@H#A8]>%LTY#=0"
MC>FEG<W$#_863W,O1RB%'\<KNT=[NXX64V3R,QR[)."<I5`U@I6VA9BB5,MK
M8"P.@(6!A8MG]U=3Q,#"P,*<L/!(`18&%A::A>>#:D$-8&%@84Y8>#:JEEX'
M+`PLS`D+RTKM#%%Z0:ESC^3G;3_IQDOT\RJ"PC0L=+H)62F#8,WSZ*'$\[X9
M_60:\5?=J'&4:;]B8%5S]:PF=_)OW_6,Q?K=4G6>,/"8Q!<3_(K-QY"(%TI-
M4LRVW[]_1M*5O5RIUGI[83=]YTHKS#K:6C)<Z0E9R%%-<RUYMJ22B0M(,BPO
MW3NO#ABD&[#D/3NV__2,_T62KGI(LA?2JV-0?M6IO5A(;ZDN:9RALY,T"]=9
M4O4D>3;`:%AC6I`A<+J/?CF3$N22,,HPJQKN,UX,XP\Y+_@'TO3.V+17QHA4
MO0";T5<>D6D@\MBK89J297OX-Z0=H(DT#^EG5'<@72YMW_(P^`0X#)(NH1^:
MZ>M(,H-1!<O-W`@IZ*U*]=T>9B1\BG5)1X\>08[G^)KG.X;U)+V]O[[]);W5
M<].@=%P'#(\KF42GAE-/-E@D1#2L#3*UH,`.8]Q^<M2EB_\0(EQ#CJ?BIZ@B
M.9'93)=QPHVML`#'%'PUO&?)]CW7T+>L2O:H8KFD&1N.?WTVM.<=3G_&3*4A
MU27LM1G6LST7HA(_N!388$>U=,S7VW3RO<.$61SOEBI5`D:BNB*-1+($UZ3M
MJSK+S:9TH5N&<PT"NM&%=*ZP@310'JJ#L(2)90Y]\)4!&_#I:F/ZVYX(L.TM
M"T06B#3?F"0$(5CV82,B)5V)!+(7='='=;4[M/+">IPA7=ZC;`(J`WE$%XV$
M:M=8:82;E^G#2V-:3!*?F)]61-^_('--=>FSK(Q$(8R`<(`H-O$,J@@)1UY)
MCV%?=&QH62[>.3G)@AB-VC-&.'[L$0LE8@996W<#;P);AHZD;OR1\$GL&QC8
M@/*P7_NXWC$=71_;DJJ;$&AXK05"[IFH/'.+-CZ8&VQTXRP&EK-IN^[&B":]
MTBF+A-`N)QH$O:BFKQ(GT+!TX\70?1)2H,L"@>\;3#E>XKWB(Y[TEC&M;4?'
MFHON.P_@$F]N`PK><6"QGTFW:(&YT+.9':BPQ[GT88OJ3\Q038[$U<89(\(Y
MV/2G+>Z)1_K5]A#=K68D?=19CH"\\)U`-M`-!UEXZ67HBCOH"1.(V$=T"7#@
M'.,WAOZA_8)W-=\+(`5DRS#8\&\#(Y^NPYB(4IQ(69)`VV>@Y.'-$[7G<6AU
M&Y3-D*[)..U>:N%Y/#5A$[']]=QW3Y]4=741#4K_:%A8%V),)<JV[\G_WN-7
MO3=M[<_??_Y)DGZ-OI?Q_&T@=)#^R7K!B"8;FP^N,46^88)<^^C2TN^($7VY
M)8G^VYM/UP\C9?Z&J&"R)RPU?GMS>?=P\_$!&Z[#P0,Q"Q\^6)[AK1_"./IH
M/E'>2+YEA`]_O[M^(^E(,Y:JZ?[VYG3RYG=%"9\<Q+NL#^WN[@/9@Q_Y3((N
M;KQHA,VOMK5"#CD8^*OXP\:CO%E$P^"VFQ\.Z&Y>GLWV-U\;V*.4_Y*(Q[EI
MQ,:;E>EN=C@>%J#T$>AV=Y=S'O(VIM#=V'0B[V^L%&`E]F02Z;0=/QKO:$B9
M+P=*J1WM@D5A/Z.L_6#_<"B3_0Q+[T>AMQ^*LG0XIKM-11FQEJ453]R$[D;G
M@Y32J''BZLC(*=V-C9240J@K(REJOQEE=AVQUGX4]U[:['G8`/%0B"/?KZ],
MU75O%AE/7_XPW`?UQ^J!.%3+P)\*-A:Z5MOWW'E8:@5K^2XV+UWW#CV1C^[V
M^]_OR`I1L7SX=0X-E*KB=)1IG>7Q9S=H-&5N0=>0D*/25F0GB#(<S/DP=D>E
MC=U.X'\RGK9LDX\R;?+.2Z-9R@1EXSD<9OC2OD,G\#Z=T61X>H;3J+2/TPER
M**/4.:!L.%6229E^6.>50=I`XL'['V7ZCITGACSAVEPM[>-V@BC#*2>QV5$7
M_.R=B1*E+5=.0EOC+GC3M2@QIGTD*"J/<1?<:LKGI-%8]P$+:YSI;O?IU+3G
M^8V[X''7.Q,I+4Y7=U265EWPR>OIDG9OY@Y)JTSGO$]:A(:THA<L&9>^)^T:
M/5A'3>H8Q%WPUVD=%GYNI<>9'GM/R<+M_?DXTZ]O3;+%?VPBNM)2$/B@))N4
M3F/L$#'2@?EVXBL3OCSXMHG`46QEPM>5>6NRB@</9<*73]\L+8:IY"L.?)1)
MIB_?O]/!P77NA"_WO>'#T5"*^F$%SI>SWBSVQXQOJ2KK[M()V1TB"I]7ZA.^
MKM3;/B=5#5W\_J,Z)ZS`_^888<W\^TW)_)82E&OW)O-)M+OJT%';W;3TA?6Q
M3$:%I]WQY2XVE9@RGH]X(@)?GF$;]UASGLA1NNRQ0YIE-.2)$EVXX*V06#J4
M>2)"%U*MZ^4_<*6Q^^P?CJCIB0+^Y>4+<M2G/%]]NN<6?KR]^?+P3]4:R*&B
MN+\138M7$59E;CX.XK0P5:(XUR=+LY?H,@Q_?4'>LZW'=)G5HDM1'JP'+=T=
MS_-V/-S9<?GR\0F'.YX-:NVX$V>OU-%KC#`R",5AF:JYQ@BC=(TPM:PZN4RD
MOS$:#;LFU3I(HQ&_-&KM9H`'NHSYE6]=I<MQ'VDVX9<JO-=2U/>6"M"'8Q^V
MX>!"&:.M$=*P=&-GI3(6&]EN/1^60TE1G@?GLS(63Q-4F7?.SZXGO\LDSS5"
MGUQWNT_6Z*Q,8*X1TN0ZW#6#<K(\I+A?$DX_;B):^F:932A]MSETO.]<)_:X
MWOI];ZY@5LOK8/YA[C0!\IN<AMB'.GU?X?4?'2/1X5N6X[7):R\&VX5^_BG=
MM7M5I%-W+N3#:I`?[E&>LP,R,6!ADP1&DN\6CH*LWQ0]>.&F<?O*L5\,*I.T
M$JO2&*65!#+9P3X8P+89Q$*F%W@')D;2!6';G-X(SEHPON')P@^%HSW4\.!%
M\TIHS2E)`A!-;Z"[+-WY)TF:!8WVZ:Z9;-M/Y@RZ^,P&.71X3=*O_X^KNQ/*
MNR#$989QRBL[L3YO%N^?KNX"1#'`/]WE"+!$7GC/#D(,:&MAM2`M\5^>70E9
M6)%SC0W*@\<2*U_DZ-TZ(XP#!1A])QZO;*HK%UU$/R1TL>=$#V]U]=ET=^IR
M:ICS<%IVU'6YN<_1^K4LAL&AV=5IQ.?,K6:YS;QQZ_@K+M;7O_UC_`_)L5_#
MG^5_[$,W*CF(/0&@AHB^/@;BJ/9P]8.$N`\DS)=0%'S(%`5,*%-@=GK?2?.5
M".FBE$E,8J\C3(06$>T>_-#KRF*PS5]XY+&D:CV1,B=GEL!Z&X>Z!V@7^VR'
M'P/R&!Y^O<;O:5=RV&XR#Q'-2MM%ZS/AMVV==!B!:T;%%SMEO:;+)@[*A<SM
M+)*!^?FD2P'FIZ3Y:I@*C6O*UW!WC[:I9V*-TG3S,JKY[1?#-$GU[R^"*>DJ
M!&_[5-QN`_9UD-V*^!$1W9LK2-$TL(BH!L[FC;/IJE=^(]"%%&MJ('SZ<J"S
M'O#NVC);LLK[5,V!93RK'L`M<``WRQ=#"V6Q3P_G12`!I`/2Q4=Z=Z2+V#'=
M3/TE2=_/[LZD0(]&"9>T5*@0"K,FH[(T;OZC#*XV?%N3V5EN1Y*56M1G(M&`
M_(V1?S(=`_U[3/_A%,C?8_)/AZ-<^G?2N-JI-P(KJW`LL()#P#/OYW.^B))/
M;'I,AD`0K@C20==`;((<.2%B*^O25PN)8E9J%PR@MZF<`I`2@!_`3R/XZ5=B
M%X3+<VZ`F"7P5[\)8I3NT:S9M2TR'Q)>X\XD9GMT>T[[$8=1`B`X'':@/8O#
MGG\9TGB2G\!&V;WMJ29?1AA;;#),VVGXS/-V?]8(HKB31?*D40YO.3,-6+R'
M+#Z=5;A@`!X''A>(QT=S8'%@\4ZS^.Q(C`3<)CZZ>8'_TWR9`U/02U^;<0(W
M\`KP"O`*\`KP2K=YI2]%\4T;<M"6%=JR=H$TT):UM32B*MS5C?Z@PS:O]`'M
M'3S;X<>`/)PVI=$ZWP$1.E/R21=HRPK,WUNZ0%O6`DC*M`W8:F+HP@J]*KN*
M;NC""IS=371#%U;HP@I]$BG?W/&3.@8-00'IO4-Z=Z2+V"%<*"O/8NEVLG-I
M)>.VDS*;7<LC\U=("L2E1-S9N$**/U!7$.H>Z8\)Q!69N/,C!6B=-&J@^ZDH
M7=1H8I]O,=8#`DPJU',#!:A:X7RW,^T!!2:S#JO;TD%YZ%_*+=.#6``,`8:@
MBRF$FZ&+*;MT"::V5G?[&`*QTX8UAZX-4!B.,Q"[VI52_HT2YPUU%)[,*N'[
MD);%)L/$%;:`\W9/U0A>VI8T<H7IGVRW"PP,#%SJ"K?"`%/@8.!@;CAXQ+S1
M,S`P,#!+&^)$'A9V6,X]<N&U_:0;+^3G7\_5'ZN+CX:E6IIA/<4W8U%I<UC9
M?&GIFYK:33'0/7GF'J/BO6EK?_[^\T^2]*OOGCZIZNKBTW*E&@[2,U;=+$(*
MN##2]$_6"W[%$ONADJ'_]N;3]<-H/GHC:7@S>.E;M/CMS<?;FR\/__3-@?R@
M#.31P_W-PQU:#0?AIP^69WCKAQ`MH_E$>=@`\9#Q\O1;WZ^O3-5U;Q99H/XP
MW`>,G`<2%UX&%X=!,4]XA[A]SYVG>BA8RW<-"[GN'7HB']WM]W?2?LAB48PY
M7.F-Y%M&N-?O=]=O)!UIQE(UW=_>G$[>_#X9AGO[];P.=FG29\PO?1+WNJ6I
M]/VN+&E&(]Y(,^&7--6.3GFB3*;C1JFR)R8US?%5\PORGFT]ILL4Z"(K)<B2
M@U2ZA)EUC3"U=$T9>=88B>;\DJA9==,<78YJ&BQB:U$E?Z/361E9T8@('P]D
MAAN6)_P=O/%`R=OQ<&?'P]([+J.D&V+I(</]SF=3_E@ZU]$ZNF$.E5\%JT3F
MCP]S_:M^D&4VGO-W7'*=*Q'I(I2M6.#@Y'I9O2/0I(Q1T4!T8CS(=;;:I4^S
MEOR$0_LVU\WJ$W$HB[1[Q_;Q\_HU>L2O=#W'USS?P6NY-U;&NNYN7'U+'SG3
MX5*MHO['[R3FOPGYDQ]7T15$XC;CW[[K&8OUNZ7J/!D6N2.YF*R\Z&-X"Q+\
MQL2X/MUF/=6]W9#C=Y![IHO!=L'[9R0M;-.T7S&.I.#Z0EHY]HNAX[5473<V
ME;2&M;"=92`GI5?#>Y8P959(\R3/ECR\!HTD)'D+53I77'J+V>SN%\KO210L
MT5U8,HDVDE1+QXC:,IZTM'5C82!=4EWI_OJ62@9\XJ5TE\,$IPP??4;Q@OD7
M!,UTU[7(\(:E'0QO0)G#&WBB5+(?/=V5SR0B(#Y=W04X_@/_FZSQRV-R+9`5
MKO2*9;ADV1YE!+I8F@9OL2@SU!EE0#_:SH[PQ/]/3GZ`-7(>'&1B!8LE@J;9
M/M8I6`JO;-/0#.2>X#\N,)JQB/UJ>T@:D2^OL*'B2M-1G#,MOY.F$\I0VXL`
MN$O+PCI7ND4KVZ%,P32>SU?[%^<[6C2I$950@9U'#R6>#U78YCMQVH"IKEQT
M$?V03"!.Y1BGTBSVTQ_F,Z9-T:+E"^6HU)B0<QR2_1$:!UJSSO+&?<QDQC-\
M-B^H8Q]-#Z57UYJNQ'AX4=^)0V^^4N$#S_H8MWPXF=6W,.2"U"B>4?DCVOK!
MZS[B>W?^=E=7:LSY*,22J;HH7O72#B13MI!,BT,RG+`$)%A=,-H,YTPQ,A</
M([5.<8$TYO0AIB>M*TRJ8J`;02B"4`2A"$)1'*&89[?N4JNK-FNY]<N+7%;P
M3ROT<"HK&\NM7E;@L<),(&9*@CYG>P1+U0BFL%-$C-1B_);EU#=U36[<^<81
M"(>VA`-=TG(H'?AF?/Z%`Q@Q_)#KJQ_$3.U%+::F=CN0-U5Q-*QREH;,(LXW
MON=ZJJ4;UE.KR.-67&XG9=^J'@C-W(M=Y"P!02"F>!93W37K0$[1DE-@V?%#
MJ\LP@2^=T]LH0PLI,C?];M*H<_T5_;>]57]Y^_A+FDR)EX$Y^40FP.N^1G)6
M043G8.G##P]9+F"I`>'82W-2:-G871L6A",UX5C?B*V11BFDT5MCORTSQ%O#
MDKQGVW>Q@^QFR!E>367&&&>G/M[^AX11CK]LDFJLEC%^,)>&$5Z92?^W_RE]
MLPULS_"$T`Y(A[^1PK.PI@,P"W(7Y"[(79"[',E=:J8Z^YK9:M@)/AT;<QOU
M&Y%(PQ%IM^-(>M8M+]X"]>)@WM*Y&.VSD83YXV!PE3W*:H\E$^#AY,!.04:`
MC.C;R6G]VI^>Z9EL)Q1T<.3/?FK'3B]DB<HR/^A*Y=27%YL,,55JOE']_'V&
M.YD-^:%Y6S=RA1`UYS!&P+$L>:O5"ZKT3?8.Q_R@"V1O,SM1)API7*Z%;TW+
M!*0OH\!K4SD2;#R$1!-G?LZA6/'_0MQ8KXD:W<.[$[AAA-R*\1M6UV>-Z;,1
M3U*::WU6USKNG4*3%0[QU2$1S96!!3*:Y4'B*9`!0KH_0KK);`]AW9-[VU/-
M\ES'=+],K[&ZI$,KA/!X(5S9^VRF<',=3.2%M9LT&2HX\+PP=O/YJ2Q1TPT_
M1ACFZ;4Z&Z6G``E#.%!GH,X.WK3.TU/-A&%L4&=<J[,.^[A%^:!MR'E5[TS2
MFWF!O".:F0ME23\QFQ.PV:5\L\4VLSD*O&`;Y"#@O`\X!]T#N@=T#U_8%DD.
MTAD[67RG_'AL+-KF=7:4,,QYYI@X,.>9-OT[,6ZX7A4<S'EF@_C6*Y-YJ0*`
M<:;U^R[`.%/&M(%QIE1/<=L]MF'&LRAL!D*17]J`4.R94`2;5>R>7FS+B&HE
M1?6N-P`KNZ1+E3E9.((1SR`;.E_#!\(!1CQWK%-4YH4%S$YM>W9J9VTI&)T*
M(YY!3'5%3'77K`,Y!2.>NT<K&/'<SS&FG34G88HIC'CF2CCVTIP46C9VUX8%
MX0@CGELS>FOLM^UA@C!JM%GU07/4J."M+R@BM<:D4::RJE^RA-I`:$`L52'=
M(HN#3.><0*`#.,)_!T05#*>&X=0P>+;%3'\8/)NA9OBLU>_I&>-OI^U3'^0.
MCU0!"<7+N6T]L8*>B0Q#M$L@2U8D?M#3VN#6+,P(,:<U"_`Y3&7-9O4*?;/[
M(PA@X'4N>D93?K`#8I(&X,,Q1R3E2DYRI#_X$P0PFAI&4[>GA;@SUIER:P>'
MG&92M=Y(T\XJ(C!)C[CN_&%'7-$J5Q@7!J*5=]&J#"K,?@39"K)5T%'0"C_N
M0".CH$ONE^EE3`W(V^;V206_@A="L9V*4A)NGN)LO'`N,^4NCYA/PF3'MA52
M04L"PW809F.2EQ$\K*<Z@V:B<<0G%08;\$(G4$Q]54SC284K%%[8%A03OXHI
MX7B>>^1V9?M)-UZBGU<1U*9AH=.-6ZH,@C7/HX<2S_MF])-IQ%]UO<W.3/L5
M`ZN:JV<UN9-_^ZYG+-;OEJKSA(''I_:"'*?-QQ`#%TK-`S;;?O\6K1SD(LMS
M)>\927;<<TIZ#!L&2,9RB71#]9"YEE:.83N29TM+6S<6AJ:2RO6SM)=3!Z0O
MB:5=23=TR;(]R2%U\B@`4GUZ<M`3!HB`8VG&2C4C8%T)_=#0RI,6!$S\+%7(
M+#(D:AG4B$@H<TA4G=7IPIJ<J$-UX1.Z<&;.^JD'W^LS<HYPR2MY(F0I77I<
MT]U26G/762T=:*W%9)MJOXPS>VX:E`36@*'`NC\DI2S-]'7\]2VU3Z0%PI_Q
M<Y*J:8Z/*6U$#>-L2TI>JYLDG35X,N85\BE88.]9)[Z"/Q,4AQ^Q<$QM_X3(
M2WPJGM47)#TB9&&Q*ZW"IL`21ML2B]9-$P[W3")DN+*7*]5:2[J-WTADM+U8
MX-6V2';(X0L.6;JK<!WP,0283O:3HR[=0-`?((^DADIMYU=XAY9MG6Z!I`K9
M(U))"5S^X3J/#8.M2;%ORN0R`OE-T@:1=SGC/.ZPL[%&?CWWW=,G55U=1'5[
MI&QOMVKOQOIH6/@DX9\322;WY'_O,7#O35O[\_>??Y*D7Z.U,I[?4=UAZ\^;
MQ15&@Z-JGJM(AO[;FT_7#V-9?B-I^-=XX5NT^.W-Q]N;+P__5*V!_(#UP>CA
M_N8!ZZ_A(/STP?(,;_T0N@*C^41YV(#PD`'"P1U>_C#<!_7'ZH%PRS)@EB"+
M/>2;[9)W'N9:PO/O?1?CV'7OT!/YZ&Z___V.K'"'G!<#JY+PZV\DWS+"O2S7
MFQY5;R0=:<92-=W?WIP.W_P^'&/P8U*41Q\]]"M<H#_!9XT109:Y(<*0#A'8
MX6HTX097HSQ<#7=P->R*O!A-N4'_F`OTMR(O^#D#$SI$8(>KR;!17'VS72_Y
M"_P8"0#IGZP7S$AD2PGD33D1MM_OKG?0-L%VP3Q\40G4%=@Z0US.N+`>F`CC
M#/(H$UDL\LRY(`]#89U!)%F9"T4D9<"),,_`Y5@PAE=RG4FQC<,L=3&>BD6>
M7&>S"\9CEM(8C)@1"4-TL1EHMIG91:8[;#ODQHC/=3"[@/CE.FS8E<3^IZ\?
MB3KX]?P(FDKB,M<![8)2I8K+:#`+F<NR;7#]?GUEJJZ+#?X=F1GC.-?+%-NN
M7/D.2F)6>?/[X$R6=S!;!FF4,$[)I>P/QIDHR$S?U#=Y\$UEA9T>8X++3-^T
M/"YYY.@,\LR&8E$GTS5MG#K-FH(CL;RI8:9G&M&H7<]4'HD5*1MF>J;E<2F(
M-)H+QNF9CFGCU&E8&K4?)\NYXQAFNJS=4-\"7$D/,[W<+NGGPY>MW-`@TPMN
MP1LXS*_<Y+$,,_W7%FP5`:Z/A[E>IMBVR&'T*]R@/]<Q[8*QP5BT%HW4#COO
M8S87]1Y1\@5[@LM*,=A1KH\HMLF;&8,=S%N.>H_X\/L:C'I30'C9Q/'_-KSG
M.__117_Y&/YKM%!]T]O-)H\)4B\3]LWO>X5W3++JRY<%R'+\#O+ZB\%VP9]_
M2A<(K/+`SR@0">#;W<*DP2V0`I"%;9KV*ZG""8HF25'&BT%J<`QK83O+0*'3
M*+`(P`A?2[&N+[&J]^P@%%3\L"CQ2[R(,MR4B_P2*U.I\DNL1XXN9502<E$'
MDD8M(D,TOF*Q*F'IO4*:1\IPZ1\%K&#ND@55E(D65]HEJ[+":F*DDXJM^^M;
ME_KQ5O&7M]K(7&,-&2@DZL?[E>YZF-J&)<E*))'LQ6[A-=?"Z9)KZ-BQ.&46
M<(EMY&*UZN#S@8]\7)^)66/#Q]+"L9>2NL,<48FDI"ZPP2?95JC@_%4@-U[M
M8%FD^9Z!UUL:KHN7WY1[NB=XX14*"VQM*Y`RI`(T8$#R(>L]=+=-F[5)R:MJ
MFDG)1HI#L5S8BH(\)`;%L>3#H_IHF-C^))B(D(])M%`USW;""F-[4W3J8B,=
MI0M4,R5@6%`;@_)I5P@'7]K[S@Z<FXIV4H3K8GLQ^+WE9=0GIVI#JW2V"*V]
MS7?BKANFNG+11?1#LEOC?C-'6=[OC[C?$T09SIE.R]RNSZ3E$,66L=M!Q..<
M0<1RP.J5X-,0\0?S(903)ZEZB71F,\O`\`YC,-*'3'L;R-(\6;X2+Z@H5?*Z
MMI8XZ,R/;ZO4K]+@N5T>2/J6)U*F_P8H;Q/E/3QW.ZO7&:==A,ZI'LYY+<R&
MU551$5@VZ[,V5HJ``A0J1B%Z8N$RZF15P3B"PP>'KX<4:OKP@2XN#W\%!BK7
M\;/TL65AKBHYYNI8KC*?(_H6"VZ_2736XT[9`'?UA+M`FC;-[T7:T;/3L6'.
MGV0O>!8Y!5`D,@W>;UKC\DP".`6MDP!.`2WM5"-*64F;54-2^"D`SO#PV[7L
MJ7>;U&^2^25YS[;O8BWOGDC7Y"[0"7Z[Z3OMEAJ/UV0,@PTAJGO)K&9],G25
M-TS`QSU!$=.8+:I9FM+?5[8E;=)J4_AV_17]-[Y5,XYNXDUPC.$8PS'NTC&F
M:^@TD,%3P\1Y#;?U:)MZ=J+*IOY!(@40TFX%A'1/\LCNDOFEUU$FUP6OY@YM
M<C1U'5!%-@J)<C:>%N`<V)PKE'>'S3F)6M,S%9()R$&U(G>ZK).QP4+VB-(Q
M6C!$5:E!JOP3OM1L;@$H+S(Q)AVC!9S"HH3//86]NB$X9CDDF@)P=UH@9LCJ
M@)0:U)VB=8'--$ILIDY*!Z@]!VKWB-KU?`^@MF#4GC9GZA2(UY1#K,*1471O
M>ZI9_N@PW3#+(!]3P)G&!&M`SMGA3;>S`7ZCPV^<N<I]9&ZE@MD)W`W2M#+#
MS8#?0)IVEKEYLO/KV^W4:G2Y.9/\R/22D+"KGP;:`&V`-D`;OF@CZ/4?DW3C
MC#K?,C4#3''0Z_M"AN('J,4#M>`X`X/`<>XBM82KRV'3+PM:N$)G7>'(`IUU
MH<UKJLUKA5M:0#E#E/?PW-6[+.I2ZT@V6A&:>XK;W!,.'QP^H%!+AP]T,?0^
MK=X9AI].+]!9%[BK?>X":=K=BN7,<!/T%&V=!M!9MVT*P"EHGP;061<ZZPI\
M8PLM.:$EI]E^2TXXQG",X1@+?XR%R^!A6'<$G77;2WJ'EJ.`<V#SCJ*\.VS.
M2=2:GJD`G76YL<G;G6I/'_7T,"-,Q\XLX(>YU>P"TE4@W,OCCN$>SE1(UV%N
M`Y1>1>^/:77H>MN#>%Z])K=`6HY)6Z'5$Y!6#-*V6VT#I&5)VB;*>HI'0,KA
M$7K5MA<V8PHX=%?,8K$*3B*PEP#N:@]8=P2\"Z*1I5\)C69!-HK*N]/<J$C"
M!C_W2'AL^TDW7J*?5Q$HIF&ATXV%K@P"B,^CA[*>3V#AW[[K&8OUN^02LK++
MQ=O4'-^,?C*-^-UNE)]KVJ\8E:JY>E;?9;QBJ3I/&+68?!<3_(+-QY!`%PH%
M/&]L\F<DV8DZG\<PHUHR+,WT=93">IUWN=+*P>L:JPPOH,ZZ)]("X8>HKHG1
M(:F:YOA(Q[CPD(/<=,97G1=(MB4E8[M4%Z>+7W*7+!&$;,D7?`J0SG(7#M75
MXMCY65J6F,;VQ_C81M+CUW/UQ^HB2BDC&66["64WUD?#PJ<&_YR(T/^WX3W'
M26:;#+-[\J=[?-K?F[;VY^\__R1)O_KNZ9.JKBXR%OEBZ\;"T%2/I.*G%L//
M$7FL?[)>,#Q+_`=9,O3?WGRZ?AB/1F\D#>\0O^H6+7Y[\_'VYLO#/WUS(#\H
M`WGT<'_S<(=6PT'XZ8/E&=[Z(92YH_E$>=@`]7#GJ1XB2[_W72ST7/<./9&/
M[N4/PWW`>'GX?D<8X`XY+X:&W)`/WDB^980O_GYW_4;2D68L5=/][<WIY,WO
MRCQ\T:_G-+=>$YEA.<_-X@HCS5$USTW@<LP)+I?K3;+O#D:';WX?UL-F>N\,
MD3G)0J9J\8/,&6?(S#WF4TZPF7',9U/!CODL[Y@/=W`Y;(4SQR)QYIP3;&9P
MYF@L%F>.!WFGG`?.E$42FF.9$W1FL";V=`7C384.,C-@.FAQ;_%+L+L,L!HD
MO(8(;H+=>9/$>00:TA'$0A%H)!!],CVU\B:<4/29<$:?7'61Z_Z)?8`R--"0
M1[,]ESZ9'F5Y]UP0^B@#T>B3ZZ-V[OS(PQF'!,I30+E^K]CGYZ`"4D120)FN
M=#<LA(P#-!%-P$THN><UZ9.X>VC"3!B*1J5,K[]Q,=<LE02[:9ED!A,:-[49
MTNAP2($SA91'I=R(0A=.4B>HQ$=<H0TJB63<33*C"UTB4Y8/*UJ,89(;8^B"
M8LJZP.602'D"CX\X0QL"CU'^!TE[^N;8+X9+OO;1QBZ@ZR+W&NEX_^175\^J
M\X0(S%^1]]^.X:&;Q<*]\9Z1$Y,E,[Q07L!%?>Z^VAYR`U_TTM(SMOI^G:#;
M>H5BY%JJ[SW;CO$_2,?;M%PUW$1(MB('XG0KMNI@YB!NPRU]1JJ+]I?+02^E
MX``/Z)WDH+<,<BAR[S37MV\0O1A^9#Q9FN\XR-+6`8;-X#RK.LD9#@0))5S7
M9^4*B,Z]E&\0T0%8&,1E&6S.>,,FI5OY5K`YXD_*3C-=7D'PR5ZN5L,I)0>U
M%9S*,E6<1J;;I6G:KZ0`8[-.<AEB3+\@9WVS>*\&EJ@;H[*>$WDDTJML#V0U
M,.EL,3=O^.@)/++%42J:76>+_U)-/U#-VT4(/V#'`1OV*/JV@1*;J^>Z'-G<
M($6_H@#6W58]T_](#&&2"FZ7VQ8YN$DJ)QRW^-&8Q/?7M_'&ZAG=1T3+COXK
M!V'MG<WJW64=V=F$]LX"67MT3_7R/0O=5J:WE`=:G<WD6G8U6>]T7&\WM>W6
M&2]V%FUW:YA$+!\V[2S7_A(8UWG.6'OF[HQ2H)\[=.<%Q:I;P@F-<.^H.L++
M!$]%VX__GA13U[;_Z"U\,WKJFVT:VCJF0;WBLS>_EZ@13Q1P#U(%W.0W.47D
MY>M<@R'WFW>0#@;!&[)*Z2-K2%K8CF0&-)$<1.AO/4F>3:."-X#E2"]+EJ_!
MVXHJEIV8B_#/*P=O'K\&KZ,^!9'XOZO+U;N_S11Y^LZ5'I'K2?@_S-P>DNR%
MA/E-6CGV(_D^4\1LZ,#R%8:%#P_9?##R"TE7]G*E6NL=!"0;`:QLQUO@TV,3
M1&0B](0I#54WHD#4DL!]1LB3=$R;,Z:8^I+-'>@E\BX(3V#7@G#47[Z!>4K2
MD..I&+$1\X2X^K>OA_<[;.'%8@\3%1_G90B=?9C`3L;A)Y"2YP,A@(*N!T1T
M&A9+F`E_8<F,+<D3_.(%5I.,10_1EE*ZPQ)-CF6Y.&$ZS)2N-)U*6XK*[Z1I
MNJD/S2UM3N"E9?FJ*=TB(A0RF#GN>5*[:4K6`D%'GCKJ-%X^;NG`PLXX'.BZ
M<I!N>*$)M&W_$)LE]:JX"YDEM9%8D:^"C\EQ34DCY50>GS$_3RD(BDUL8/FV
M=`<2EF^3FD7ECH7YN=%7!^>K:?$$!C\8_&#P@\$/!C\8_&#P<V'PT[(Q`IAT
MDL0:G+0+W]*10]Y;2//^_%-)Q!W?]T2$?5\]J]1D20G0,L4."J;9<P(-`W.H
M)D3)D4+2QE(,[?8#!@H%4Y@-#Q=A3-+L%)LXV"T/;-_`RMN8B%BE8Z[=L`L1
M@5TPBW>-X9BX&T,`_\CT]1B-PNI?"S.HM,3//6-#$!\A7=B=W*&5%S9G'0Y8
MOB<].ILIAM(QO1VA5+#)<R@#-M^)NUN;ZLI%%]$/R?DMJ1$O^TVO/5W"WW.Q
M)?[;/X;_D!S[-?Q9_L=N\^ZA,@KGU+-JWUURHL\6GEJ2>!"II!`ZP\.OU[('
MVW\Q3)/<`V?,M^=F6G1%#&3M-S3BY<D@^5/^SK=\I.3PT63*M`E\V3E,D_VN
M_G68Z%BXCX3#.>8>H&;>@2!917G$RQVLI30E<UN2H5D(>Q^&Q4ZD?ZK8.W?6
ML1PI-3*RI>&U-`7CX4DEM"G:I#0K-?MC,JBZZ2+'?M#8IH>S2>/,*S@S]8%W
M,J]HE>J3HE/Z@C57%=+V0WE2?A)H]"4F.([3-U.H=OT5@Q>^53/L_\2K>J?(
M6(W0"LXEMVI@/*]BR#-6`YTC1:94G>9B'J0J!1Q_19[T2G+=3^W%HC')^@B2
MM=O'N9!D?3M6IE5";"!;*1S!\2`?]_6E:YM3WDM)8[;!:Y;2.T@';DIH:R"T
M:TR@K>F0%_29605;&U0*BLRA3@!:4SAV10?EMAA39SJ<N:$8?.ZM>N$K*&[G
M4W,3K6]T`KFHT7VV<[T;U$NCH<+]8>H9<P,O%\/)<)Y[D<5D1#WG$^8S+QA2
M2**W]O;N@E)FXZ'WT)IRGK5V/&+]K8-<WPRJM!:.O93B[JI2LKWJ+]$L]FV&
MIV8O5[9UH`PE,>F\)L^D$WM9\<P5WB:&,*@/JH&?&"\GDAE6\VP[EN&5TT*-
MW@Z4R9PE/R[#5+I@IPS?PQ)#PP&-"MQC&#J1,/>8?E#O9NT$Y4,>NK^^#7A!
M4"1F9,,!E^T@**VC63`9R;&G5$-PZ&4L\M/;T'>4L],/O>:$Y1XRTU`IHI_Q
M@<M,Q*2(>I:HP3;`"F%%_X+,=4>LG?<(O\0B&LJPI(7AN)[TEZ\Z'CXBXO(P
MT_.W4^2LD=JJJ+1YX:B^OBEW$E1`,K9,WV9<4+*P&1SBGRQ,?%8Q6>A49![$
M6.9]'<5-F8;Z:)B&AQV',^G2-*45=B)LW=T8ETSU_B)LWBA%W1NE1/M&*=&_
MD;45^W;"E&\8KAVQ),-7$(7-]-`.&SFTE,U8MH8K7<9A9IQ25H?4E3=]DY.Z
MD1FA,&G[T5V:2Y8\)&CLL,LP&5\A<.CB[:P1D<:8%H(BOY&P$5NC"!05**H>
M*:JL4Y!N*ID(?YS'=X7M-4'DKGO1YGZIU;8\&T9.-N+Y$':>0U18NQH\GRS=
M>#%T7S6I\&Q%I)#3?66;9G1Z`I?DTW*E&D[0KB_%\&5Y-'WQW4QWHG#!W'Y$
MM+#.C,>W(=B8<1%UQ@U?8B2X,6`*;9\IC(`IZ+Z5L-BF!V883MP&&E5:IG;B
M;2SZ]%!4XHGU*&GQ)!,1+%]C1@KW+S.`F(923ZR8[G;$<4.BW83=T9BOQD,1
M/'12#$/HJ#<>D@<L.P-L5N<E8[=08<]XS%6KF@TXS>2IEFT\U##W5*%FD]W(
MBI"3919_O=9#^X!1$+`M"<S,9+O84#Q@VNT88['ME6F0<]<T8G-6:)XO`?5$
M(2%7*LM[5'G7!83!J+E-CZK(=6;<-&<J2.8,Q4C7F">S:4ENY1==)<*[[9V%
MG]M]MUD8]<`4Z=7524/P<*E4&-F9#:J6<K5MO''BO`%QQ*5"XIKQ,OFL1IN\
MOOLV!^+*V9<-W'@!_$#"I>K@U*0LYH^,3P;3W&`%O[P'W@LOK);MZ9[(38;!
M&+7[Z*8'4[UW7R6[L232F7LP=>'A4@TQ:FG0I#(:E.IUPQLK5G)A2L+#I5;B
MFO,R79A141^FU\TT;M$V6RCISBQMW5@889V52FK:,Y-84@BF!Q>-\=9ME`;=
M;@:3L@2?Y"F'&6QTLJ0.-LV@FO#5!C4^DQG$+&$GIR*1=LGR5;K!<GG-=TG?
M&W+>OS)\#9FHRW!YIE4(\3S=T>X\7:8=(;+&Z;(NA%CX3E@1%$^(SLT,%Z8P
M_OX9Q8Y85&I+T/N7KUJ>X:DD;">%78&"_$S54LVU9V@8]5@E(M/%3ZM>4(M,
M$O*QCM3(%.HXGT%:V;;)NHK*:4;BA"H_41C/\&6&Y2$'(YMUIPK,B.%[,,7-
MB.`L266X?S(]KJKFV4[$EJN5N2;\V!"#;,_"3LP[#H4?B7ZSM!:A;J7BU&T8
M=WUDW'5@4V8,NDZS(*]<`W.N,QIR!%3-GG#-=(.L$0A3J,N^1ZBZ#*U0@W5Y
MQE>]1@0/W_4:,M-9O]'R0E5L='2X<,HFH%*QT33_`#T;K=A@)7I;$J59.*,T
M+SIB5:'EX\Z.1!CR6TBH=6WJ;Z%-RR?*I`T&%IRA^L`_V>PRFM:8B70LRXD)
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M540=F;5]A5D`0TA*?EF2).9XAF^)4P,*G:N0^4WD!KU#[!?D&$CD`9)#A6G_
M`(9K+QN932DH<IBRS(C6I+^66(;A&TXV'1:(#+%V$H]"D7)_?2NRM'@[%GU\
M.1SIK+69=G,1^T`+BAG*LWVS7L%JTF_3J&(P!3A;-3!<G.*$X$ST,^Y00W%Z
M<..H3XXI9MK![W;'W]CWOUT)^XE(TID>^:5A&4NF/=F:[8$HHO/]'N&76,3`
M9(@J.MUP#BHGP\&,^Y>O.IB'!1:+K.7*@>;95*T$096V1GKD1+U9%X[JZYOF
M-2SW@\4N4^\J(TV9(O1-!$P<$@=>D+YH81]=EF'HH%VC::B/AFEX6"N*VC[W
MTC2E%=;KMA[W9V1[YA%68I+F.PZRM'48VS2#/F"2JA/=MJ0U2?T@[9C&C05U
MPM].!0^N"`H]8]^&*<MDE%:(@?0&E)&XQ@W+MJ$0$X*8$,2$&`=VDS$A42/(
MC&]*0O.=90@#'V"&RXM\C2>G4[O$X,EF[OQ%)2OC^('8#L3F0DQ0!(%=!7:5
M('950W=M#-^RSD_39#U;(4B&S[U:(K_A:K!"^.Z??TJCC==Y`+4WV^Z4AHVH
M".<R?-@.'_FTG<ECKMN#B@BPJ_V)X)]R)H*799)T>G\S0R/"!7/'1-#".C,F
MV]`HG/T0CZVAN[S!@`\3S*4='C>?.;-14FEY:PE(6(QFH*A"$^M1,ECVJ7"-
MM,W^9080T[!1$BL*->!B\\2F$'AO('CK@RRHC0X//P;0T1]D,2A9O=C*Y.RL
M_?Z=T1B+\9BKL0<;<.@P$?4Q%LUR3Q5JCAH4"D7(.6+8K8#Z&(NZ`K8E@9E9
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M)XU4U#8O*72AEK9N+`RVV<.&):FDSUEF)@[C!BD+["QZ=M#X*,PWHY/9=+`/
M)M7TK#;RL<,$0D*I6Z0AXX4<%E=BR1^&J_DNZ6I+&.6K[3$M1QQ)^#TK]0E_
M;3J2PGR*F2++[Z0,74618O8BX,%+R_)5$Z-V93LL:SJ#&,C"=YB75%GX1<L@
MZS-]D$7LI9,0D&$[!&\C*,F)"'\*6KUZSZHES0>2KJY=S$^N)^D^.MD\09HR
MI?X8K*!JFN,S[]03]H$Z"=YHV=9I\%;,=@%T#-]\)I%,V*W[$[6N8-QU[B]?
MM3S#4TGTCW&I@6\&+8XQ8E5S[1D:QBE6H,@,^,&32+,34HZ`-:I&M$Z<;2&M
M;-L,OAIS$TL-$9&`B`'6K(9Q$>P'G^#P`UM:FTV0VG#_9-J(0-4\VXFX9K4R
MUTR;!]@L-4W(T"S!CXX6PW?LW!_$UPJ[-PF%BX`BI^+7<]\]?5+5U<4E*0X@
M\W4^VLX5MD$-[W/0F^H>'YKWIJW]^?O//TG2K]'C=]HSTGT3W2R2#^/O?C0L
MO`I6(`GC["K44_?DPW8]R=!_>_/I^F$\F[V1-`PQ_@.VAG][\_'VYLO#/U5K
M(#^0',B'^YN'.[0:#L)/'X@D73^$N!G-)\J;W_><'LZJ=O8+,K*(FUN>H6%%
M_A0H*UIZ*H"+O7-P\#6D#?W6<-\HXX"3PW9H$ITN*(=?3Z>F]O#Z+!=G457;
MSDY8%*-DO2==1L$40QS7:&B%ALHI3:9I%[@146BE:8<?`^BHUV[,=B9AT;X;
MG/$U4ZY0MO^$[2RNTK,?FQPW5[9VHV'N`6JRJ]QH2N:V)$.S$+8=S(F-=E]U
MUK$<R1W'=N`0B"P8=_93]L3T<G@FM\,PA[-2-\-4F%=P9NH#[V3>V"@U"C5R
M<XX8<%4A;3^4)^4KCZ(O,<'QM^U@R12JN2ORZ*8B8SKWG5LU,)Y7,>09JX'.
MD2)3JDYKU!F`5"V$XZ\[X_Z:DJS5DT%!L@IQG`M)UK=C)6-X`,C6)F3KV_$@
M'_?UI2O3F#!-:<PV>,U2>M^0W*FFA+8&0CO+%6?#-F7E"N-@:X-*09$YU`E`
M:QH9\/S'U-E6=C43@\^]52]\!<4&!<)(];9YI2O1?;;5.@WJI=%0X?XP]8RY
M@9<+MI&:YUYD0=W9YH(AA21Z:V_O+BAE-K91=;5R#$LS5JHIO0W+#$BFZL*Q
MEY+J>\^V@[^KAV,Y5<T+TJ>B*=_;#$_-7JYLB^2TYN<I"U.*<X6WB2$,JB9J
MX"?&RTE8NN/L3$UG.7Y'F:0;$E+DQ^5F]I'``XJ&`Z:#4S88.MF4(A&FL7:"
M\B$/W5_?"CV\JPD<BLQE,M/2SBV3;09*P=2GXVO#U*?CZ!=\ZA-+U"2G:7;$
MVGF/\$LLHJ$,2UH8CNM)?_FJX[&MWV;,PZQ'?\5%KAJIK8IZ2RP<U=<WY4Z"
M"DC&EBGCR?);F\$A_LF"E%8&S>>98BSSOH[BIDQ#?31,P\..PYET:9K2"CL1
MMA[7N3-\.69QA$74IB>!M@Y]'3-HO""I.I%<RZ"<D;$5*_Q`4=:#8ID>VF$C
MAY:R&<O6<*7+.,R,4\KJD+KRIF]R4C<R(Q0F;3^Z2W/)DH<$33@MG8PT%SET
M\7;6B$AC3`M!D=](V(BM402*"A15CQ15UBG([;M&<S)UNJM-_38UNVUODEUR
MKFW_T5OXYJ6FV3[V;.*5XM8V\]W6-I=W#S<?'ZZ1-@QZVR@9W6PDWS+"A[_?
M7;^1=*092]5T?WMS.GGS^TB9A8]F]^TY#%&X"_7'ZB(NI,)?"-%QC5$4WDE=
M/:O.$R)=8+XB[[_)'<3-8N%^BZZV+BW](R*=:#;;FP_J=>[)W>OI6)E&FZ4$
M>"TLW(3F3+1UF>76%;GFS@-@:['N7,EBW>V>AF7W-)Q/N&+=81[]ACOT*[W7
MT_&`9]8=,=PZ1<8E*Y`_+P,#(B&G,4HVC>QO-P'6[31Y#+CJX!_,-7[H*M$R
M#0,03W-/]R";CUOI009#X>LNO--*K(G1\'G#W.F^%4;#9Z\'H^%A-#R/(RK#
MCP%T,!J>>7LQ&`W/+??`:'B6#<;Z,T(QV[2#`?'\G'260JYK,^L*;7I41:[#
MP,/.,T]F:R+^AAURI4I@/#QE=0+CX3F=TEUHZ^4J6'GC1!@/SR/C9?)9C6:8
M??=M#L25,WT;?KP`?B#A4G5P:E(6\T?&)X-I;K""7]X#[X475LOV=$_D)L-@
M,*Z]D0Z=O$W(AG'MC!N7-*F,!J4Z6O'&BC"LG4?.RW1A1D5]F%ZWS$E,(DZZ
M,]'`]ORIZBD$TX.+Z<!VAFM'L^!9@@]CYHNN_9GQ*.K]"?8L7Z4;+)?7?)<D
M>9+S_I7A:VR/:0$STUHCC)V52H:X3D=2F`<S4V3YG31EVO?%7@3G_=*RR(!O
M+*YMQV-=[K3PG3#;V,*?ED'Y=V[]AS#M+PX.CM^9[DYG!#M#&CG-2)Q0Y;<P
MXYWA>[;CX[L[XQWS8T,,LCT+6I'!YHU:B\RKTQJH;-BM_<FH=ON42*/:OF1G
MK;@X8I);"E2ZO&DT"I^,*X$JP7=TBX=&VB>Q=VSK4\I;'PP*[+TZX$=Q4F;O
M,\I['P^FPP*[I[#+0P@\SE1RO/W,VLWJVQ\J-2A?`/`&CL-D,,BM9RU?%#A*
MU;,V>QR*2\')0*:[]W$12<!0"I8X"Y-!9C%H#;K7(3N-LU"&YX=T]SX:R3)-
M,;AK3`11B\AXN,5+8#OJ%?\U5?(X&>26@3(K>4P[;,V4/!YRZ0X60&K/JO44
MN'JT6G@$<+$/EAU\C602YMBVXR86=MB!D):#=O#-K!'(HB7*832R7)Q%&6;6
M>X0J(-0*S?N19WP5%D;P\%U8*.^,*J&>KR/S-?*G4#':A.VXE-(CN9J<!E2Z
MM+!I_@%Z-EI:R$KTMB1*LW"V'9V&C5]?==:Q,,D=67?H)`@M'W=V5/;8]'+$
M&;<CR^039=(&`PO.4'W@GVQV&4UKC.@\EH[+A+D*:?_AH,)@[^A+3%`=M\5*
MX9N_BL2.:K7.C7DOI!.F\RF/&J%SQ,C"_4P9@WAM0KQ^W9F?UF=^/[[X'KL#
M;@KAAL.SVO`;E/FDPBNVWV)D5FU:IC9E5=6HDNK88>++RGD[G64,`0)R-&/G
MO)W-,D9F@/3D7'I^(DFTR/6BJ<2-^::M2U'P3?F0VK(R`JG=FM26Y8S9;=2E
M-MM^0C3]6;:Y`2S]WYO,,9.,I+<&TCO[>H,-XY05+XQOLAO4#@J7N@&(347W
MY"M^;I(6V+:2:2;)(3?!L'BB#Z-V&L*(][:YI2OI$VQ;A#2:;B&/TL7<_!VH
MGC$X\'/1]`]E5C3]H]=-;[ZED$1O[6U>2%"0L8KN,Z2W85<!4J2R<.REI/K>
ML^W@E73)<U3+537/8`@6R2D_D8R]`&%41\+PQ4P+T!FNK=G+E6V1*J*S]&M$
M['UQA5D`0TAZ4[`D2<SQ#-\2IP84.E<A\YO(#9I<V2_(,9#(\\R'"M-&-PS7
M7C8R*EU0Y#!EF1&MP=,ML0S#-YQL6@$1&6+M)!Z%(N7^^E9D:?%VG([,"$5Z
M"8YTUMI,VXZ)?:`%Q0SQ&"B561]Z!8LJZS901;G&^K!J8+@XI2&XN?W;V(+/
MTJ9@BGKL-*RBQAQ,6\W>[O@;^_ZW*V$_$4DZTR._-"QCR;1Y:+/->D5TOM\C
M_!*+&)@,464P]:L6AH,9]R]?=3`/"RP66<N5`U,>J%H)@BIMC?3(B9J(+QS5
MUS?-:UCN!XM=IMY51IHR1>B;")@X)`Z\((VJPH;O+,/005]ATU`?#=/PL%84
MM<_[I6E**ZS7;3UN),SVS".LQ"3-=QQD:>LPMFD&K9DE52>Z;1ETO&)).Z9Q
M8T&=\+=3P8,K@D+/V+=ARC(9I15B(+T!922N<<.ROS7$A"`F!#$AQH'=9$Q(
MU`@RXYN2T'QG&<+`!YCA\B)?X\GIU"XQ>+*9.W]1R<HX?B"V`[&Y$!,406!7
M@5TEB%W5T%T;P[>L\],TFQ@"=+1O_^Y(@^#Q2TO_C%07/Y^>F1"W^1_GCB]0
MRHXOD$=3.7PVGEYP%)IX4D'<^^ZC[>Q\+QSN<(UT/\RZ_(J\_R;)5#>+A;MM
M[1)O:U)O>D'N'D^GLTFT1PI`U]U]U)H!/_N1W/MN<3!EB0-9&=7'P1[H=3%Q
M$XX6C/8_8[E_I?[N`W`9\/X\;]_#G7V7'D]R.IO-..+]78K+`Y8[ERDP?(+D
MY66UG#EBJ/J.9&76O*P^)*UDA2GMXIDZ#*35GIZF-Z8OQLZPE6D\Z;JI9J;Q
MA`OFSM^A8.\%K]Y4L-`?L;.QWL.A.O'@2KK+&XEA5Y0!)VZ'EAR^N3MR,W-J
MNZ32"H,E(&$Q\X:B;Y)8CY(GN$\%;(UO]B\S@)B&\Y=84:C)09LG-AT61F.^
M)@1%\-02K\PG!`U8=NW?K%X;`UG[_3NC^4#C,5?S9#;@T&$BZO.!FN6>*M0<
M-2@4BI!SQ+`-#/7Y0'4%;$L",[/(.3814T9=T@P[-IJ<OQD.@_)]#(^<+`$U
M1"'Q5JHUR*CRK@N(@5%SFQX.YA5$.C-VFC.5(7.&$J1KW)/)+--9<PJ$=[L[
M"T&W^RZS,`J";7/6R@JE(7BX5"N,;,P&E<NT7)=!SCAQWH`XXE(C<<UX63N=
MY;JEX-=D^S4Y\=^FU%:-_O]MQA;``Q+#ABVTZ<GX9#K*M6OYY3UPEWAAM4S.
MFIS,)KDF4"L>4]G>U-WTF&BI'D:]>UE[3'7AX5(-,>J\VZ`RDD\&TW*=I#EC
MQDI.4TEXN-1+7/->-JO)T]R)P-#U.5)1V[RDT(5:VKJQ,-B691B6I)(&DIF9
M.(P[3RVPL^C904>Y,&V-3F;3P0;#5-.SVBAT"1(#`TK%.96NQ)(_#%?S79+C
M2!CEJ^TQK?,>2?@]*_4)?VTZDL)\BIDBR^^D#%U%D6+V(N#!2\OR51.C=F4[
M+(OE@QC(PG>8UZI:^$7+H`5+^B"+V*0L(2##/C/>1E"2$Q'^%/30]IY52YH/
M)%U=NYB?7$_2?72R>8)TNTO],5A!U33'9]X"+<S^/0G>:-G6:?!6S'8!=`S?
M?":13-BM^Q/U!&+<SO,O7R5IQ"J)_C&NX?+-H'<\1JQJKCU#PSC%"A29`3]X
M$NDB1>J\L$;5B-:)LRVDE6V;P5=C;F*I(2(2$#'`FM4P+H+]X!,<?F!+:[,)
M4AONGTP[O*B:9SL1UZQ6YIII5Q:;I:8)&9HE^-'18OB.G?N#^%IA]R:A<'5E
M;G$DO:*+@W4=&0ONK!!7:XQR"W5*%YL-!_/PT<R='P,KWD^$F1NK\LXRRT6K
M[VPZ2&ZL,GS'27:0[/'6)G2W-AE/1[,B9#L(&@5&G.96]Y:NHQI."^VH"4:<
MT=W9;,0/(\[I;FTRB<J5ZS/B<<0<WY\RH+L_69Y.RQ&OJ8WFUVN6EBCR8#JA
MNM&HZ/.+ZOR)@OC='<+N6=`]]19AD_!_D/Z':EBD*#*H7+W'[MD]6F(O6W76
M\6KNY=+VDQO/K>6L67F=*%:E!#=C9.26;@:%K=5YGS4R+E]4PR1K8NZY4Y-+
M_^'@]9+KQZ6\RH@A^3<5R\F:Y3)`TMC>F&&ELCQ0VMY>9NL,WZ1"/:5UXF4V
MQ8AV5Y-XPVGCNPOKU>/M9?:\H$2\\OL*H:.RL<RF%I3HUN;&AKD]*P2FV%!F
M*";I;.R3A:VGL+OY)^L:/9+.#K$:_?"7CT&*ER/!`^1X^*C>.RJ9Z':)5_3<
M:\/53-OU'91NVS"L:0A5;-N0CNN3W]!OVY#*5TCV<3B51V>C[5O&%*),V>^,
M8N2,7\!Z_9@7I9CETH&Q54E6F#?$"MD=/!*;<K>;VEY@Z/C$A2'NX*0E'Z&%
M[$2HDUR77-G8W+5H=\J@NYQFJJY+D@=H8T%U)362E4$(UL72,KQ;BO`2W=M.
MWQ$J9=#N)![":ZY#`B;_2,+)FNHX!M(EC/(%=BTDXHLB<CT<$L`*$E^",/![
MU50MC>XFD73WC+!4EEX-[QFK$&<C_KDF^5-@HKX-!];\$@P2=G1J`U,2+[K4
M-'_IAYDB8>LL0GD'/2/+)7<_GRS-7B+I[>7-U2<:O6-W>JV0^:?!H#+R#LKT
M\-0?5$;])-8\DR+300KI$UY5!S9..-=&LY^LX.^83HE;3'N%G.#JWI7\%>9[
MW7!7MFL$\U0V^0H)2>>[07.CY\05IZ'C0T=^"F>P+)'W;.OD!*ED-@L1G)B`
MTJ/J&ED#Q&MM^B/=Y>A<D^[T.]HF1D0BA>X+LB1A2`#;M)_"(AB=,O=ZR"&#
M]#9LD!2:M%LI9<ITRD<QF8VF:AJ)*9&MK;#8UP(E0;G#5I2+1BO%*;$TY=9(
ME*';9ES177:2+G2IN>M$-AC=I:<T^M8S)!";Y+2DCJKH(!3J15S9V6RO1Z"!
M5;/D^DO\[#JT-;+\#VA2Q_6Q@99WFQ_KM[R3SY3\^K`)T^K`R7X51EZ5"@:6
M)2S;]>L(HFGAS/&\DA"6I:&C8AW/9#FGY9D\'94"L$9/``V15,<CE)N.*)`M
M^$2[?5VCI*3'KG4Z'_:/<Z@WRMNOE3L@E$MNMI*P+8M06D(T_!30.Z<C:06Q
M6G)#^>*2FJJD3;^A7%WP%*@HW"Q_7(LD1,'P']1$8Y&:1YYD(S4V*;#Q4ES"
ME@9#=D0(;FX+:R3@PC07LF1!X#^:AF`%/@/"LR+\!]<SEB1T34_X=$:D<*38
MP/SAEDM`_H#A`_S79?[CU/#A2#T)2_Y"YD]>;&M6\,(!8EL\QK;81ZRH&F)'
MML#F5'-S5K\?SFT\HA_9:CW!$43#:0/\D]4^JD8ZU:O5$\Q<!O6'N"!]A)0^
M?5.2QV10GBV;ZB%:=&2<+,\:&%.Q>4D=K!UJVW.-7,TQ5E'&^AW5NIP2)G*U
MB93-7@2SREVH'@]E-)LCI0CIG=(KVTTGQC*E`%./GQ4!&(9]2(%+Q3`;*_3W
M!?=A83)/1@+0EA9M_T7*>,26;'U3+<#\H%3$QSU_2H4[P28XA8^JEB9<6_I%
M&NR<VCN/5$V3XJ*E;QE!"P/)?L2`A;7:%#S;XG,%RIS#NC4?U&Y)*WFMU;`8
M?*(Z`ZCIE"&&^Y:&)Q-EUC13T3L.;2:BB<W#W.<5%.=A>3CH,0<SI.($6)<Q
MZ[X=U@M'<Y+P74@4`C,QU^73\;C'DE`,7=X3\S.30T<G@PGH:G[E:T_$:29O
MCD?`F+P:D7WFR[?3.5<V8L.Y\<`P%93L,-\,9!K.Y29(^_WL[DSZ@PQZM(*N
M7>H3LC0:_7K%B<V*G(0O/(*HI"^VAZ#2L#><7LM-WGUYXYPKW(AVK`27.\`[
M('$H'"LN<^UKF)A'MLNH/V3S71\/V8Y]S1[@7E,P#=CW..(DB/W-DOS;9N;#
M=Y+48U8H+>J!!9KV<7I%%!#+'=7*0&W1G%&:IF^;VK9WDE8P;<?8X>2.$OE"
MKY_W0YZ#5-=WUC0*T\$![T"H5A`7%307?_':#F%&M#,EN-#AWB3G!35"'ZH^
MFJ]P.P2W0UW3$TS#D*-)CT-3@AC?+!F@YPGI/.MZEF1_*W.5[]UC2@Q'\QX?
MP4ZKX&QZRWUNA<"]YPF7?J!:RY5.\:5)A?#2:1XR);_6MQ_73%>VL[(=TB]*
M1X]XS6T#9/#DQ3<C"MJ18$;VVI$':Z-CUD8QLO.;[M)CHHR4'A_&3NOB;'*#
M[`6/OE]T[H@X%TRE]LVY/W(YV0_?_HOM>$_J$SI]Q.]$>EO.O>NOZ+_FK9H1
M/$N\"2(*+484Y.&TQ_H.0@I2G\G?27,'0@K"$D4>]3E3I]/:.)O>?>]AVYN@
M0I^[:7=2H$.:`'_HER?YZK,?H80/?_F&M^Y6!.$1(@C<1A"@^1#$$B(!W&/R
M=]+*@5B"L$3I\UGLM%;.I+;2Y\3`/@42YA!)Z)@X%TRE]BZHH$!0P7OWT7;P
MEBSI*>YR]6A;NAN,KFXTP`"^/K<=9P3Q@*'O#`7$],M1Z_*9$ESH<&_\\X(:
MH0]5'XU8:',%;:ZZIB=81CR'\SX'P00QOEDR0.,]5P16OG`?U#.BC`9]SO3N
MM'K,OA&:]KD^F7NOD"*E&[\1ZIV$A61/_M"O3%NL&]WL^M'V/'MY&CQRX=JF
MH>_]9?,M?NYQ;KQGY#3J$K-)"-7X3@BMP1^,#),:$/'FYX_[7#3#'W^-FN`O
M0=U7H5F-M9XK:_IUB,4XLQV!TNS"+A"3YDE9"60,@>U#5TRQ"`()(:C`R`'5
MUT0\3.'*IJFM>YC$S\0E[RC_=K6)<)MGK[)01GX=X:L<?A5^`G/WMJ>:C0;F
MCIY-IKBL?)39,D$E@Y.A__`?9<BV:]VR111O0<'1R610Y<*3+0HX-GP:/%0%
M$,7OF1KQ=:8:+2$>5^F%W-L3Q1&;3.`L<7:6WHXK>$?-'B7@;>#MBK;7M%)<
MLK>:HI.V%[@OA=$R.ID/QW!>^FI9@;(IC!9Y`N<$S@F<DZ,)D;.1T/X%6$3]
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M3<[RY7$CR_$[R.LO!ML%?_XIC8M<\`NQT:3!'=QCN;:P3<SUAO4D!2I?6CGV
MBZ$'?+:PG670X$-2'VW?*R(L$_KQU?">I2?'=EW)MQR$4?`_6%6:^#,*6]J1
MY4QD/>''L-#Q\`;PKU0B<+'Y8.B$Y1++/:LO2'I$R"),K^+S8'F&Y1/VW%M=
M6MFN$4(=2#,*!R1`88BR.[3R0N$X'-!=^80RI%BZCNBN2!E`2FT-$RMN%1?1
M+M2Q.:2[XD6.]*AC<(?'>/.=V-<PU96++J(?DHEB^ZED6"FG4LEV7*9I28^I
M5-+2M+A'*P]F97W:<KEHT?IUQ&^XG]KI8D.F.QWF9UEN$PEE.2^3<#IEZ$B7
MSC,/P:E/NN#SL?NY3&$K.CDG9PK+T$@%BFX@8G,>,T5\P?3;/2LM6V(REX-M
M2;?P<T!NP\/OUZC).R9L/\[A^AEO3#]CRO.?D4N"(*HER8JTQ%]X3C?SXUZ,
MY=*3*YTTHZ.2,F_Q(OJ1D./2=M)103AM<-J`GJV=N5K]9;MK0%!TCDKRQA&&
MKW'MSZAZ<5SV<)4[_^/]HW+(:T@(@.$_Z(FH(K>C?2)9$7RD:$;O!/Y!0K='
M3F$9G@!*MWTXRV8Z<)+JSB'!!#B:<`1Y/(*@'WMU"$$_PN'L)\EX/YS@C3?H
MC=<./J7.!EN.YX>//[B>L50]I)<A0)\0]'V;_`,8`A9JD(4:L=KZ0@+@41!S
MP$(\L!"C'G.[]X*L9CHPO>R[1J[F&*L@L]A>2'=Q:G(*GXSS:-Y^,4R3S%TL
M58[8Z"59VXT^Q[7YK>73^E$UG+A"^5^JZ9=*Z`!2T"/%YZ!D`;`/!Z'GI"A_
M$)H,;0-YX:1UA12@<N`@`"D*'81&'%;JE65L7=4[3_504&.[]"U#,U:J*=F/
M&+:@FC>-3IKOYNZJJ)%KU%H>/]TFF2+<VA;?>XTA*L!<P%S`7,!<;3%7\\/A
M@9^ZS$]OAS7C_3V34#UBH$Q^D4^&2KF6X<`R/6>9MQ.0,<`P963,8`(2!ABF
MA(21)[D2AFTXCZ<@W4?;P=NRI"?[!3E6T#WOT;;TL#=>OT)T?*=@`7(`.=21
MP][;%Q8UP#>`'$`.((<E<J#\KYS)V-O;8[XYNL^W8T`9H$R7*--WCX!7NL")
MH:K@E<$,T-]F_)6["YX>81^DD'"$Z,^%Q/>SNS/IC_@VPG.0ZOK.&M@4(C"`
M'+@MX!,UP#>`'$`.(`=N"\2X+0">:RT&)BM3\#DYH@?$8K@B!X3NNT87.#%T
MD[TG_"5[]PC]H"[$B!@#(3@A1']"]U]LQWM2G]#I(WXMPE3<-J<$1@5#!B@#
ME.D?9<`IXY,N<&*HFD/#,6`??+)^8A^$D'"$@/D"AY!XXSTC)X6Z3A?7,"57
M%[ND=L9``\H#Y8'RM"D_Y+3C(!"[']D#0&YZ;CVWG?N`NIT,&P!UZ>5)\)=F
M!]1MZNSR,H^B'(X5KD(A][:GFMR%0IABE%V32Z9@=Z?W=PTT<>@<5$SU!A8'
M%A>%Q:O9T,#AP.&B<+@\&%6(YS%E%6831X#!>\C@;T<@PGGB<&#HLA-6IN,Y
MV-G`PN*R\-O)%&0P,+"X#"PK0Y#`P,#B,O!;.5\")RX4SCWUT43;3[KQ$OV\
MBL`Q#0N=;JX;E$$`]7GT4-;S"53\VW<]8[%^MU2=)[QYC.`+LL#F8XC"@$>2
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MHGH::7)`(WU&+A&NJH5M*VF)O_!<JHJX-+9*[CZU=Z#I<9IN*2G9#O[)04!1
MP2F:G2-1-!&EGN:HJP\JX.$`%FXC.^XCL>/^M;'C*OB#S/R[YN=U'C@]<H*R
MPW_0.^$%8#QRP'=`F9XQM`=*-%8<,K9,BIHF0+;FR%;DN*7H1D^8_4&<V0J*
MF1U507CU\!2`\!*2;""\0'C!*0#A)239>!=>O7"F+[>W'U>VZ_'H1+=P<7<`
M5U_]X`[#7I1!$]M1`,,T%5H^5O]_]MZUN6TD21?^/A'S'RITYMU11T@R`?`J
MMQTA2_:L)FRKCZ6>C?-)`8%%$=T@P,9%LO;7OU4%D`1)$,2E"B@`.;'GM"23
M0%7FD]?*ROSL^>9"]_&T%)$R;*+15/I]?7HII?L$,M<H-(',@<R!S(',R4>E
M;#(GT-,N<>!7H6<>_L869_KD[48B,4]O:)&(ZR'31N2A%IVU)%5/B0;=]3^`
MU_M"3=2WPG$Q4"L>E(OB@D"ML3G8!2[4QX6OK*Q22E\)%`Q`&Q1,T[D`"@84
M3$NA#0I&!BX<5S#B(\\*2NWS$VR\BCF/7=>G]T$2[D-($V)R/RC.,R][WQH=
M?T'G3GG+'\X#S2LY6:^1Z"#4#0,8"#70'&0:\`4TKY7FW3XW.WA-;M+[_];S
M4)3W2H_\*F\$(W.*Z6(PR!HHHGQCXBO5#H)(O*LDQ!(X7SN5YJ1N\F`L;X=C
MZ5&6WQ(!R$2#+&>/83B2*$3FG/,R0))!DG-#+&<K9<`88"PO"7)V,P9C4<PF
MY^SW")(,DEP`8PJ`#$`F.+@8%!\D5E4Y0I-3?ZQ#5M3#,]YU\PPE=K;DW3.8
M;ZO"+ECV0FE#H4P!'=UQ'5TPRPB@!%#*EI442P0(3/.._055`:I"/":+Y3T!
ME`!*@?:K4*(4[)>4B550%:`JI$O$`B@!E,U(W*;D&>M.S^;)2$[REN`*7?DD
M3\UN8VDN>DX:[WZX*8JZ;K*++#:O5/ES+4ZO6FT#7``NS8-+[5W+0:N#F,H#
M%UG%%.`"<`&M#EH=Q+1-8@IP:1Q<I*AKK*?-4E(VD<ZL+M)52=!>&]Y_2=!2
MH!E!Q28!N--)[H!&`<P"=X`[H%$`L]W%+'!':)0HTQVU9K2GJJ-P\1#%5'6<
MAT35W,RMO&#K$'4*E6?546YU:`/*V7`X``:WE\&G`TW.-ADR*;DA2$![)4#-
M=?<<N-LL[IZJH-Z.2H`&(M!B$2`^W'@"#&XO@T\'=;>N:61#FJ_8\Y`_UVTT
MD3/.%UP5(-2F*)I\&D?2^A"I[V$=S)1)Z#(`?SG:%`7:9W(GJH29-)`9CCI1
M0B\;^,M3)Z;[V:`3BSB*$IX?@=!PY.\$(H%6,_A4G;2M<:XJ59XBWCCW!AM1
MWUR%]<W-)5N%P):3%C)U3%"E,G1J7RF@"(4R2Y[+.#D7+ETZ6!H("SY)&`V*
MQ#@`8@"Q-"`^'8[$]SO,NV69+B_+9385L)J@<!JM<!2U2`0,$`8(2P/A4P5L
M9H-LICI00>.`QFFRQE'.QF,`,8"XT2`^':<74<12X^]\_<G"Z]^FYLOJY^5J
M-99IX_,H<:[VV*+?K3Z4]/D8)?X(/-^<O;U?Z.XSV3NA[R5]0/1K2$'VE_@[
ME%Y)PBC*YAT4H^P-B1GN.4;/KN-Y*+!=3);\OWB*+/([>?`>_0JN(^F]NHM%
M/A[ION^:3X%/=N,[0G?BO&!7MRQ$4(U=H7LR7#PUR=.6A%%3#\T<%WDB7^CK
M/D:Z/46+P#8-<ZE;R,-&X)J^B;TSMF&1KW<3-[S$ACDS#61Z7H!=L@RA*)T2
MYGI8Z#N,N6X_DR^9-B("^R?VT1.VC3G]F?S-QR[V?.025I"]$@+HR'`63Z:M
M^Z9C(W]._MV9G2&*0-VC_[8DHB4<]/[<(60A?'G13:*XGM'K'+/5D"6_D`4O
M,'W5&BSHE2P3Z<9?@4D6=Y$PR&"918>FJ,AL#\BGA-6JE/!=J$+.&,(/$Y$@
M)%%5HZ7CF10.0K4!.A7Y=%/DPW\);Y8KP]Y[2MUK*B3V&YHZY$&VXXL5[\!U
M"1^M-Z%OH8K"9E+O8:()=C`D\LUQBW!J5L5&8A5,#RT<HE4L\T],J,MN$U!F
MDA_H_R?6O5A!Z-4DU*9O?<+(Q:%Z.\2%F"0_X1E=NHL-ZCV\T?("^N$]%TSD
M'LZ8:2<LJT/T\$]BQWUOS2QBN&S?U0T_($[&TC7MT-V@*US;0$9K1F<#FR^$
M1DZ*Q;E`5QZQE>2+@>6?H?B[*=5%;OG99ART'>10\WQ.D7GNX\72<77":Y.L
MPG3I<H4B=$H(0>PRW?@2NZ9#_"=BKCWR6F*`A;Z9@W$7;MNYQ%?LU_B,'+:J
M*8&7R[RSR\`F(0%];28OX#Y8+BU,@4&0?VL3#;%@CRE(3TE]G7\Q#V:MYYYU
MT_96DNSI%F:U5HDB?4;^;%C!%%.=@.ZH;`FU;,2YQ7:`O;57)M:A=G$8;-F$
M+<2RV?[<0\2FXVFUPLKQX?%1\V(MF<BGJSUE_\)54UC`XJ[]-"%7\@@E#OFB
M10-=*AE"]Z'T*MG(&75)J.]#/!CK[0(=4X>YM"%H+-!8H<;:+WO@R0*J5<[$
MBJ,V:HM:V3]*JT"M/-"\8)AU(W%(+*H4F@KP0/6`ZFFNLT0!U62]O!_6%TBK
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M\=M@%M4VKS"D!34@$`KL:\?S>6@68`8'9GS137?#C/_H5K!?`E&UON'N]G'3
M-$D4O`DP>C7]N6DC!;UA?;^:,P5!PP*=*<'V<S$8\2/XTF7RC?$T,FT=#4:3
MA'`68`PP;A:,Q[U4&(NU9I+9*'WF8S<R4>@I\%=&:\#^LE\TV#UQ%^XG2BTL
M?6T`.K_S(.BKH#&W-6:D'^,J4^F!S@1Q(>*B@LX$$*@#I4:=V9`<[1&O%!0J
M)#>KD%7M3.MIH+(!9J)AUE='A8V"TM]=K,!,NM`V)F+M!^NS7$"6A6ZY.;)?
M-SC:E`85V_2FZB3`V6"0G@8`P0+!`L$J(%BC7N83B<H;3+$R:9DZ3(77_?$4
M+?4W6CG-KKAY"?V%G">R)W;K.:R:7CBN_ZP_X_,GPF[R_5A1]4)_8YT7#(=V
M"YB&1_?TZHGI;G43B%5O/V%##P2W\V$="<+>1$+?,]=?,+MHPX2#]IPP=&O?
MA^+X1MI]:.EBPD)D8-?733O.KK3+!RO(__HN\,Z?=7UY>;LNHO=N[1O\Y%_9
MTV^L^Q$5E<^L@OY^S6ORC]?A&Q]<G=;87WD>]KT;TS,LQPM<_$#$X9/E&']^
M_/O?$/IU]99[8XZG@87O9E>T3Q%]]!?'O=<MO'GV#TS`8IB6R;;Q0#^S?AHR
MIQ].;F\>AYIVPC!%_N$'GGTX^?+C[MOCOW6[ISS2ZO3'A[O'>[S4>N%OGVV?
M+/\Q)%Y_,E1//A:3X_T+$<-=,19R(6(CN&%)/+W58-)V&EZP6.AAOY+DQB9\
M[S2(N\7`^]X"_YL*G.\[;6XX;<VQX;Y_;A><PB=>9M`J10QIZ:L8^U<ATCUI
MX?<+TGQ:LEB1:UD_OXPB&AVR.GF\TK[(8I]^:BIL<Y=`29N?->H+=)JW-F30
M5C_N$<ZQY91E6R:7.5$WRL)*?G`M$']V&#F9;\EFS;?NQLO'SP"R;+:0LLU+
M4%Y*-/R-\3OE#D4!M9IS0^GJDINIY,T_32FN>+)TO58R6I&8*M#^R4TU9EBA
M5+J1&TR*W,1+0XE8'FCBF,`:#F6V2(#"?12*A"#@CZ<C6`!GP'A1C,]T"S:?
M\FF-2I'(L('[(RU*0/^`XP/X:S/^)'5\)#)/C65_Z28@XXP'#I#;DC&W)3YC
MQ=41.[(%,5(MC:S^OI[#D=<^BK5Z#2<0CZ`-Z$^?QGJ]Y`\PA8>-`G50=Y@+
MVJ>1VJ=K1O*8#A)R65)1QA5<>HI>4H9JXP-4N\&>X9I+-KS1F:%-'2*/4JP<
M+G*Q'GK5'@2+JETHG@\5=*=MSQ#RDU+6HJ]P*EK0?HM'_*(8(##M0R>Z%$RS
MB2)_5VC_-7F(8KTA"O"6"V^/-KB47[-US;0`^,&H-)_V\AD5Z11;PSE<3^_D
MG="6_R4-<4'M??I-3@Z1[:$WESOJ*7OG@]LI::&HM1@5V6]<KX)773(D<-](
M.QNJXZI!Q4\<ZBQ$:S:&I:\KR(YA14OO3-!N!`ODXA"@*QBZIUJY=+0D!=^9
M5"&`2;@M'PWR-75MER9LABWOB/N9B-#^66\(MEI>_=H1=9J(S4$?@"FK$]EE
M7)Z.)E+YB-)/!^TZ8(B1/=+;7V@Z5YHD[>\7]Q?H7\X+=FW6M4M_QK;QUJG<
M;).+\!M/("[EB_41*/?:*RZOE:;N/K]S+A5MFB96#=<[@!W0.!S$2LI:^Q(N
MYI'M"NH/67W7QT.^8U>K!Z2W%$(3]AW..#7$_Q;)_I!R8U71WB/482CD5O4`
M@:ICG$XQ!=1R2ZTR<+MIP2A/U[=.:]LY3=LP:R<XX)2.$^E*KYOG0[Z+=2]P
MWWA<3(<`O`6IVH:$J&"YY,O7MH@R39.IABL=Z5UR64C3:*'JHOL*IT-P.M0V
M.R$T#=D?=C@UU1#G6R0`.EZ0+K.M%\GV4T6J>N\.<T+K3SHL@JTVP<G\5KK<
M"D'ZR!,._<"TYKLZ)9<E;424SE/(U/2[OMTX9KIVW*7CTGY14_Q$GKEN@`R1
M?//=B(Q^)+B1G0[DP=MHF;>1C>WREKMTF"E]M</"V&I;G,QNT+T0T7>+SRU1
MYPTSJ5T+[H\<3G8CMO_FN/ZS_HS/G\@[\;2NX-X+EOQ?<ZHG),]B;X*,0HT9
M!44;==C>04H!=9G]K71W(*706*8H_2Y7ZK3:&B?SN^L];#N35.AR-^U6*G0H
M$Y"/_,HPW7QV(Y7P^:_`]-_:E4%X@@R"M!D$:#X$N825`NXP^UOIY4`NH;%,
MZ;(LMMHJ)W);[7)A8)<2"1/()+1,G3?,I'8NJ:!"4L%__\5QR99L]+SI<O7D
MV%./C:ZN-,$`L;ZT'6<:$@%#WQD.A.E6H-9FF6JXTI'>^9>%-(T6JBXZL=#F
M"MI<M<U.B,QX:I,N)\$:XGR+!$#E/5<:;'SA/*AC3.GWNESIW6KSF'PB-.KR
M_63IHT*.G*[\1*AS&A:*/>4COSJJ\=YHM.LGQ_>=Q3G[R*7G6.9TYU^B;\ES
MCG/GS[%;:4@LIB#4D+L@M`0^!#DF)58D6YP_Z/*E&?GPU:\"7PT-7QL--=%V
M+J_KUR*(2>8[`J?%I5T@)RV3L6J0,P2^#U\U)2()U`A%!4X.F+XJ\F&J5#Y-
M:=LC)'_67/;VTT]7JTBW^<XRB63TSRMZY:.O*D]B[L'Q=:O2Q-Q1V11*R\*B
M+!8$A1Q.@?'#/_*P;=N[%4LHV9*"_;-AK\B!IU@22.SX5"A4&0@EKTSUY9*I
M2J\0#XKT0NZL1$D$DR'(DF2R=#HH$!U5*TJ`;<!V0=]K5"@OV5E+T4K?"\*7
MS&3IGTVT`<A+5STK,#:9R:(,04Y`3D!.CA9$CON-CB_`(^HV?@=G/668\7SI
MG:\_67C]V]1\6?V\7"W&,FU\'IT^J3VVYG>K#\4^'UBKGRQS\U7/CRAG.:^$
M%KJUG.MQ2OT1>+XY>WN_T-UG0AM"?Z;MHE]#"E^J@@CU`R]=[&';]]#BX,P@
M]!SHKF[[F/SUZ0U]T6W;Q.B;CL_0%Q=/I^P7`SFNR-8]_S+I6T4>:9$-722$
MG9;)B:N]RKCZFVN2%Y'O(G?#7W^.T;6S6.KVV[I:8_3>0Z;]@CV?]6`R;?8I
M@42^M:>$,*ZI6ZS5$UG/`KL&_?63;O^)G!FZGINVCDYOKS]=_R)R);I'WW:#
M#;QXPD*1JREG2.TIVD6UY[$-Q"V[3H(,`E+7]'`<FO1GD3QZ(>+B!$0)!GY`
MP#@+[*FWSZ\83=]ME/W:3"20,6XYE&VRO=M<+XELR*_O`N_\6=>7E_?&'$\#
M"]_-KEYTTZ(&ZHOCWNL6OE]KY1_8<&S#M$S6F.*!?N:!+."3Y1A_?OS[WQ#Z
M=?6TVS49?R/&VWA;?PR9TP\GMS>/0ZU_0LANTPW\P+,/)U]^W'U[_+=N]Y1'
M@MS^X\/=XSU>:KWPM\^V;_IOCR$!^Y.A>O)QQQ*FD22&K,D>LBC64FB6G^&*
MLGD'+2.X[*T?N"%+W-:9MF$%4XRF^,EG.@KO-L#G@4.VK'`9_ESWMY0SUZ=S
M7JQAZ9YGSOA3@:AC?05U-".NA$?`?H$>CANM#6/.$-$;1"26ND5,'V-@_!]U
M%R-#=UV3N#&$Y#/==-&+;@48.7;$`)MYM[I//O%)MW3;X+M)C.[G&!-E]FKZ
M<Q38+B:B\;]X*C7+GW73]M"IY7A$)?]"/`J#.O533@HY]J(KPP@6@<6H'UH"
MRGD7S['MF2\8W=K$,F!T>G5W?;L?G99Z]1FRL4_]`9.]@S,_?/TGE[$9L6=>
MH!\1=E#('ZJI0A8QG%,N/=OLWPF?B`L86#YS>)PE=L-.1BA8$MQ/36_I>";]
M"_UG*@8Q31=XIOT<_G&)#2+W!C$91.CH3^PI:(']N3.E$J0CW]6IXB0,1$^Z
M9WH)WG2I37_A^S@^\4KL@:9-%-<BI(O#S96.O2!)$X8,("[-\QO3FU/.Z/6Q
M2T+V%0SB2G/&G7P).IVS*%(Q<7&H8W3#<`*"9;*U)?6+F)'@<9LYKO%G1(WY
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M':*'?Y*(@Z6MH_0(S4^YNL'R<^LXGZV00IN$.'Y(:T9G`Y.(<;KRPA-)?(&N
M2*P4Q49G\0P,H[K(+4>1F>T@A\:YYQ29YSY>$!NL$UZ;9!6F2Y<K%*%30HC(
MK2=!H>E,B9D(#POP-,UV[Z<K#R88M_.0AW.95_3PB=+DVB%L7&<E!]M9R:O[
MQ[LOZ8E((B!F^.'?[V].2#!DF`O=\CZ<G`]//O:'/37\[&;I&==4<B/#I(W<
M8$-C^54M]T8FVJ">C8SR<N0Q>M7C-_T/QWUX6V+O;G:#G_PK>QJ.%HV]\Z?I
MK3__^_V]3\(TCWR.@LHW#=VZ#YX(]DR/.C+?V+E-.IVTH3H63*<-:<;-(LUH
MD`-")5$SR0O_6DG3[PU[5:&FWVL8:?(HGG*HZ2L5"M2_UH.(KIZQ35-!]'N;
MCV<2J<I`H[:7,B4QHU4H3LW"3+^]E"F)F=Q>9@G*/)#PS0O<MYRTZ`\KPTFB
MJRH9-2:582/1WQ4D-06IH53FXO8375RYJ*'F<-U*8B/1JQ4B*=>.2U,#/BZ@
M1G/(2CET#!)=6=GHT<^1`2B'CT&B_RI$6LK0HS(/9)#HM4I'CQR6MB0^$GU5
M(?+R+2KM_L0JNS<?NO6\`$\_O<4]MOLEK8)R\?0SS:J&A9A9"*=HH\J0E.C+
M-I=R_7YEF$OT=87(8"64JRY1,\B=PI6<<M5AKKJ<\>X_9J%$%=BI+C5<A`)*
M94BH+@]<A`YJ9:[RL+JL;R%`J)4IAV%U2=YHYOQ&=Q8)IJJ#2'4Y7@Z$Z?=R
M.'\E$5-=BI<#8=21Z!/G#6&JR_!R(4QE@=90?()7_[E\C):UORIVER$+30:5
M>;-#\5E>/B2I+M4[%)_J;1Q*Q.=[.:$D1PH\*Q7^1>MH?U^7V_V+W;)94V;'
MD\U[7S+=_1KDR,DE+;/@%K_20N'5#D<]@3O,44.0L$8N'!PI:?O3Z/Z*UV<I
MP^([Y,=!5>`.QSDB!&$LU$I!M-9"&D7+H<4Y(F2'@N6N?==<(5`S[09UT:[8
MR6AQ@>5(LV$]-"MS?BH#V4;UD*V*1'2.O($X^H[KH:_@9*TX>I7S?NM,.^0(
M%(21;US.M:XIQJK5EQVG>NMRNWK%+4@)3WF;>JF10!O=/&Z4JRW$*.;D%;<.
MW"A64TA1PL6KE5PU11%5N':UTK6F2$-8!8(H.M446G!PY6HE6\41`Q\7KA;K
ML./[IH8.1Y.2M3IR@WI2*%O`FZ3&#G+3;Y3C+$^0W$[*9?V[Y0EO2^ZDW'%"
M`TG'+^*?I(81(FE7\!:-!(HN-8Z0CV3U1UZ3U%!"',6:$WGM"&5JB"`EO620
MR]2`01S5*BF*K]\_GJ0&%LTF;STU$3OTK2G^*)(7F-1?1#+JU11O-"R/,NK5
M%%APR*/4K_5&O9IB"P[4DT"IC7H5AQ?-/U`<]2H.+_B0+,==@J.BNADQLOVI
M.WO3S<_;GBJRH5ZY4XM,XT)H.UP9NO&&#_S[WPHV,T[=P;#"'=!)&C/'LIQ7
MUO21,A8M7>?%G+*^P;-UYWK]R0G\+-.BO#78PGD6B9V'<3B:@#[.PO8S^1CM
M9$HV$#;V-&V:0IS2GIZQQ\WU%XR>,+9I0V.=0<VT`SJ?YU!?8Q2.<^+;P)I@
MV`^G0VD]WO,F^#Z/RIG4W<8I!O@^<3VYBX[7XDY-SLWU+S.T4RW2R3P4X^@[
MFV&+EK[T\.7JAYA&\=W5AU<:1]N9P;@[,W*4<V3DK@9/G0`YRC[24^F-\P[U
MS+64]?/+J-]P/QGGLZ7,Z12Z4VUWG]LK(5_RB-;_\$]%^2=RG=?HEW_NL&,T
M$CA)=&M'!FU([![A'EM.>=:QWU]#T7ARK&DB+Q.5;=/9.;Q01<Z&+<#1:$5B
MY#%1Q2?/A]W7F6H&C2E<#]:EW<+?&;M-G[S?X*;OA,!^D(+ZL6R@'PO%_%?L
M>>$0!$5%"_*%^?[T`.G56"H_I;))8SXF*8F3:_[1F<MTQ`5(&T@;\%,H/W/)
M7)K[,-FE?7<<"([!44YL'`'\UAN&XN1NF'4-VB"O<.63_\&NJ!R*&F(*0/LG
M/Q7E4E$`EN6BQQ[/^$D@.RTX(H5Y,`&<KELX^\7S=ADXUL]N;QK/L`:()HB@
MC"((]K%30@CV$82SFRR373@A&J\P&B^=?-J3#;&(EP?'GSW?7.@^GN9A0)<(
MM"E4`PH!A"J$4"5>6U=8`!@%-0<0D@%">?WB=6"EII42*=OG@D5.^S)XP(K0
MP[X;[!FNN625Q<X,;<KJ>52:YJJC.?UF6A;ML/"+M(=D8CA<-'0MLIJ:I?6+
M;KIAD;TR[+W_CVX%N0HZ@!7\6/&575D`ZH,@=)P5^06ARM0VL!<DK2VL`),#
M@@"LR"0(E02LW&^6B0U565\^=L=V$=BF82YU"SE/9&WL-N\^.7F^6[JCHDJ.
M44M%_,<NE_TC%TF;<&J;?>]H?=-<>X\0@`O`!>`"<#4"7",U%Z+Z^8M*9"RY
M!3R)PM.I5C+?WS$-U2$`)>)%.=/4'A@U@$QVR)P.0<<`8/+HF-X0-`P`)H>&
M48:I&D9L.D^F)%W4:!0]KSN-HB?'GH:]\;J5HI.[!`N(`\3A3ASQT7YC20.X
M`>(`<8`X(HD#U__RN8R=/3V6&]%=/AT#S@!GVL29KD<$LO(%)(:K@5=[8R!_
MG?E7Z0YX.D1]T$*-8T1W#B1^O[B_0)NY9\B/AMX"3"$#`\2!TP(Y20.X`>(`
M<8`X<%K0C-,"P%QM.3!%'4',*1$_(!<C%3L@==\VOH#$\"WV'LI7[-TA\H.Y
M:$;&&!@A"2.ZD[K_YKC^L_Z,SY_(:S'AXKHY)0`5'!G@#'"F>YR!H$Q.OH#$
M<'6'M`%0'V*R;E(?E%#C&`'S!0X1\<Z?8W>/=*V^7".476WLDMH:!PTX#YP'
MSO/FO"9IQT%@=C>J!X#=_,)Z:3OW`7=;F38`[O*KDY"OS`ZX6Y7LRC*/(A^-
M5:E2(0^.KUO2I4*$4E1<DTNARVY/[^\29)(P."A8Z@T0!X@W!>+%?&A`.""\
M*0A7>OT"^3RA4!$V<00`WD&`G_9!A<N$<`!TW@DKH\$$_&R`<',A?#H<@0X&
M`#<7P(JJ@08&`#<7P*=*N@:.'2B\\_4G"Z]_FYHO].=?WP7>^;.N+R_OC3F>
M!A:^F_UNNYAL\'_QE$[0OK-O[1?L^;2MF_=`G_%`*/#)<HP_/_[];PC]NGK`
MU8MN6O3?OSCNO6[A^_4]LFNR.-,.G,#;?O1OCF?21A]?L><]S'7[X15;+_@;
M^?3<HW/4V?1T9$X_G-S>/(YZPQ-DD'\C;_^!9Q].KNX?[[X\WN.EUGM4>TK_
M\3-YB__V&%*H/QFJC]'2'K_I?SCNP]L2>W>S&_SD7]G3SW\%Y,.;-5[]-+WU
MYW^_9U.P/?*YWP@4?-/0K?O@B=#,]&ACDF]X\83=$Q389KB6W^]O3M`4&^9"
MM[P/)^?#DX^]#6D%4887^>,/OW._.O8S=A/(/VH4^4=JN!`>7$@E4,5",$[B
MP@TV-(5R09.,"XH6L:%UTC!I%A]ZPU:*@]*K3"E%(]<V/4[IES:?[:))4)3.
M45\F[*N5J2`.U%=[XU8:`D5K$A=:)P-]X1I(_[E\9->K-F%0Q[7^0'Z::^WT
M_I7$$)BKLBE/^G8Z_$IB^"L7Z9510U&OJ.&+KIZ?7?Q,@AWZ(>QMB+\3]7[Y
M<??M\=^ZW5-"C?-P)V\B@JL@'"!4Y?R8U,,/63P@R=BA]JIEAUPND6`FK!Z_
M4H('F:`T5T>=:_P,QQ%Z5<X6M=NJ2C9V:`U35>=*XT0CL]GHI_%"H[R0-J%]
M/N2HLF0SYX-Z^,)!9?&4%MFX,JR6*U)I+ME\K5&#-9?"\2A.-NN>&J=+K;E:
MR8[4,+WE*JMB9RL]<:OE/J<^DNE3.:;Z),JR:KE/E(_5/?1;FA+5RL6UG74=
MM'(!Z!&Z<42;7/I+_#GKQL?:F/&K9VP;Y`/YS7GS%&1&1B0>O@IR=KDP8LC1
MW97)4E59C<R#$<TQ@1D9(/Y`MJL,R.R#U'8LRX,?#71R,C.FXL"O\XS)ZGWV
M*SZIE5"#298CZ:<>V\HN*DWB2#8'MU]=5?-J\-DG-O=L\Z%;SPOP]--;G$7W
M2\?V'!=/R>NQNW1-+V,UW*!AWF]6$]-/C:/%R4T53&N@`<KF,_<3P_C&\JDY
M'G5F:U33T6]CN"67K<I=CGVL?G<P::NY*'=B>ZP81$"R3PZ%G?NZ[[&T*,>R
M&;DT9[F0]YA#P!%@D@5`@YI"4C`YQ33IH*8ZX\;P2RH%/D@,9[O-((DNU`T2
M;^]VFST9_$;]9]H+?NCD,7>S]7<>G*L%V3Q]S[7C^>OV01LNI!8B'S^3_T@[
M&D4-C>B/RU5_I5BOIC\"SS=G;^\7NOMLVK0#U&5OZ:]^#7L\L296EFGC\VCF
M@J*6;-VD*)MWT!Y:[)W1G((Y1C/'LIQ7TWY&K#D3\H(%^3#YHH=\\L_/+F$+
M8?B*2\@*3<&4(-AWD(\72\?5W3=D+I:$V*Q#$WIZ0RYE`')F:$;^BEX8XLGG
M]147"+$]'^D>_0B'20ELD^&F")M\AE.D]?@^^8SS2BF4^#X1Z?84$1\SVK\B
M8,4:WR=>[K<.6^XV"-N2I[ALJ"&4WZT^%/M\!.;P.YOV:):^]/#EZH?X))/=
M62>*LMLU+?.PDYZ2MP%<ON$EO;VE9>X7R'LM1SH%KNDU2J.7JHIMF+>U)P-3
M>W:$PJL5E6N9-SS0,H]:-Z)<=1LI*EHPXY:GOV!N:N7<_=[>@:?'>;KF)')<
M\I.+@:,-YVCR$*>LD[+*68ZR]J``'0Y0X<?*CZ.N-/I/Y,<5:%@KK`%M_G:K
M9=NG'I`>)<99[9_\)#S#&H\(^-921A<"_8%1]OD:FF#/)*MK`FRKCFU9Q&V/
M;_R4V;]H,%O`,(OC*BBO#DH!**]&L@V4%R@OD`)07HUDF^S*JQ/!]/H,"M%#
M*!F#Z!HFBQR@U?>`G6$XLSQD"J5)M`#*(U:?/=]<Z#Z>EB)2ADTTFDJ;,V8I
MW2>0N4:A"60.9`YD#F1./BIEDSF!GG:)`[\*/?/P-[8XTR=O-Q*)>7I#BT1<
M#YDV(@^U:&^U(I-&JSKW*D+TFE7?IEPOOU@+A5KQH%P4%P1JC<W!+G"A/BZ$
MA>%2^DJ@8`#:H&":S@50,*!@6@IM4#`R<.&X@A$?>590:I^?8.-5S/D:;O7)
ML::)%*3W01+N0T@38G(_*#YROG_$&AU_0>=.><L?S@/-*SE9KY'H(-0-`Q@(
M-=`<9!KP!32OE>;=/C<[>$UNTOO__DM?+-__G[&J*.^5'OE5W@A&YA33Q6"0
M-5!$P_U[_;)H!T$DWE428@G\CUP8;D[J)@_&%'74+I3EMT0`,M$@.U5RU53`
MD40A,BL@R2#)@B'6ZP/&`&-"27#:!V-1@4U6-9!DD&31&%,`9``RP<'%(-5>
M2%&.T.34'^N0%?7PC'?=/$.)G2TS-RD40PQ(&Q9+&PIE"NCHCNOH@EE&`"6`
M4K:LI%@B0&"*BJ4Q056`JA"(R6)Y3P`E@%*@_2J4*`7[)65B%50%J`KI$K$`
M2@!E,Q*W*7G&NM.S>3*2D[PEN$)7/LE3L]M8FN>OJJ_:8<FLJ.LFN\AB\TJ5
M/]?B]*K5-L`%X-(\N-3>M1RT.HBI/'"154P!+@`7T.J@U4%,VR2F`)?&P46*
MNL9ZVBPE91/IS.HB794$[;7A_9<$+06:$51L$H`[G>0.:!3`+'`'N`,:!3#;
M7<P"=X1&B3+=46M&>ZHZ"A</44Q5QWE(5,W-W,H+M@Y1IU!Y5AWE5H<VH)P-
MAP-@<'L9?#K0Y&R3(9.2&X($M%<"U%QWSX&[S>+NJ0KJ[:@$:"`"+18!XL.-
M)\#@]C+X=%!WZYI&-J3YBCT/^7/=1A,YXWS!50%";8JBR:=Q)*T/D?H>UL%,
MF80N`_"7HTU1H'TF=Z)*F$D#F>&H$R7TLH&_/'5BNI\-.K&(HRCA^1$(#4?^
M3B`2:#6#3]5)VQKGJE+E*>*-<V^P$?7-55C?W%RR50AL.6DA4\<$52I#I_:5
M`HI0*+/DN8R3<^'2I8.E@;#@DX31H$B,`R`&$$L#XM/A2'R_P[Q;ENGRLEQF
M4P&K"0JGT0I'48M$P`!A@+`T$#Y5P&8VR&:J`Q4T#FB<)FL<Y6P\!A`#B!L-
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M@WZ"`ML,U_?[_<T)FF+#7.B6]^'D?'CR45%'X>I^?2>8:KQ8$W_XG?O5L9^Q
MF\":8?-9T^OS8TTJU2J6FE$2:VZPH2F4-5H36#,<#MHI-N/&\T9MFM0D<&&2
M5WD=(8FF\*-)!?L?]O*B\(BX$A>[6010&F^]&H<YM?&:3QF.)S72_-9.?I#W
M?P/R1Y\0X`7?F)YA.5[@XN\!W=#=;/VIE14D6_]_6'<WC-&:)0N+MPU)XARZ
M_?[EY.,P"V?X$K)N]O5+V#*@Y38M$^-->754*OM4==P]!B9&I1D=FW1J]A5Y
MJ9DU`%+4T-6^>GYV\;/N8_HA[&W(MQ,Y?OEQ]^WQW[K=4T)5\G`GL5U(,-CG
M'%VD(S2LG%7C-%9IE%7RZJTD5@VTNGDU<UR/IS#_BWS7QRZ39_?S7^0[#\Z>
MPDJ,1.7E7&Z'H4*B2L3649D`.Y7&2I(9ZBB1&Q;$I_-U!'Q=\34Q4\`CHND(
MD94-*=L4VZM:!=Q3JN>1L`"^K01K592N]=O))'&1^$"MD6*Y8Y%5#+(ZWCH4
MT(W:%GMS/"8\0L/*6=6VV)OCX5U%K#K(FDG+I(AC&43%K!CW6B8E@P;S0BDE
M%NW%J%H*HT?H,N9H`@L21M`YRS@QKJQ*G%>K"N6Y6+HE*32JYS2GCA3+.#'F
M;!#_!E(F<@05=(YK#7BS<2M!_TTXJC^)2CC'N2-;.;C!L72ITF+G8R>AX]3`
MN5(_LS!SSA4!LB+XI#IKM#R6)UHNP1^./FZQ$%E<JFY<ZQDT#V<NJ=!)VH3@
MOD69Y#XMED(HE`G'D@WNYN.0.IJDAL(-44<J1V.>JGYN[1?L^0NR+N_:TCW/
MG)EX^NF-/M/5#9](SC?=IR]ZNR%/>*`+6-\5W)`\-<H^GGWX2&\R1A<9Z8_+
MU;7*V!7-/P+/-V=O[Q>Z^VS:].+G96_IKWX-KW:ROUB$V.=1UT!%+7EC4U$V
M[Z"79]D;DBYPQ@B&%B'%"&MH(SYS36'DK7EVAO!/PPJFIOV,\%\!H4?L'Y%N
M3Y'CS[&[]8VPK]_>+=&"FTK:!&&2'S4-[(E\SYG075"0B7P^>L4NIMR8.9;E
MO'J7^[MYM]R]G[L%ZSA$U1Z#Z+O5AV*?9Q=]5]_97$ZV]*6'+U<_Q+MB[C7-
MW+VRO'O)6LG='C-?N\N];I=I%[Z5L;B5A`\_M(YU+U$EUDM4W>DE.A0Z4W58
M_G:Y<D@WA8-*E6$O_E..J_A*3^1<V^CIF3`R&`K%Z^KQM>$D0Q\"`(IPH&3@
MPCY2.++A,_%TB`^!IX6;)2?H_4S]DC5U4L&TIO5;2E,O_)6MC@1XEFDD-]?X
M9EH6#?%R=:;:!K.HN56%(2VH`[A08-.8B(=F`69P8`8-6C?,8.%K[?J&N]O'
M3=,D4?`FP.C5].>FC13TAG4W#Z*'!4;#@>WG8C!>0]0^.=:T?)^JQG@:F;:.
M!J-)0C@+,`88-PO&XUXJC,5:,\ELE#[SL1N9*/04^"NC-6!_\4#<Q?N)4@M+
M7QN`SN\\"/HJ:,QMC1GIQ[C*5'J@,T%<B+BHH#,!!.I`J5%G-B1'>\0K!84*
MR<TJ9%4[TWH:J&R`F6B8]=518:.@]'<7*S"3+G2.@%C[P0:=%I!EH5MNCNS7
M#8XVI4'%3IVH.@EP-ABDIP%`L$"P0+`*"-:HE_E$XM"$%QXUVUFK[V_PD_]M
M7<?\/RS[%=V-W"IQW]2`Y^Y$E5X"/QCE*('/NMIBN[^BD2IYW,/<=8+G^1?S
MA3W9.T"(,NV>$@C1UW)<32JP\!(TH0^,GOV`[32:Y)[S<ZPW?CF:'%MX"9H<
M(43NJ3KIA-!(4%N*$CRWG[SCQ&$U)<2!>"B%=UQ^DUNZ)>&F5^+XEQ):<-SC
MH@5SW[[*ID@2",!Y\DJ_7YS;QQ;-5_/MT8*PCK/6&^1H=YUST1PT7@(!<C=P
M/:+M^GF&K659:IYM;W[;;+!,)],DM$?;R[[!S6_A5N@4P/N`NKZF34O(-_]^
M]VKCZ6;E^1N'3K'Y^!4_ZU;X3^M+D%<+[)J&;G_^N73IA4=7?\'6#VR%KW=?
M3(/>45PL=?OMUC:.7G\<T\%M&S(<V=!FUU>>A]?D^%^=W>G=NZHX[O7%7U5D
M<5H-]Q3W0I'XQ<5S97"AK-\RW`M%>+TS?/X%MQM^!UX@^OD,36@'3OOQVS(-
M!ZLKJRF<SO8`">Z\1GG7.4:1**,ED7IG2@3?LC:75_^7/),79Z([`[H[1:'2
MX/M@Y&(#FR]4LX8W;BU'M\E/KNG16[DSUUD@T_>001?P%)`_$N6&_-!^DO]B
M1*)MVYMAEU[+]>>.1R^%$M20#SD;@C#DD(\25GH7Z(%]C?Y,GV`CT_.(O8Q=
M_25?)6Z;.SU?ZJ[_%ET>=ESO#+$+G\2&$6CP)03QA]'3V]:.7/*G<"_\!#FZ
M=>"X9%,SQUV$A*&TV8`JS,&-567TW@L7P)GGVVP)^>Z&I@KIAN$$-N<W4B@M
M'<LT"'/Y/OF,NSA0*!/\\7WN=\?':,1YK8[-^8%+_1FC,;=+[ZMESABXKVR;
MM@7X@9<D_+QHAA'IB34BX=5Y*ASA)?>EZ[R84^I9[^L&XE3ZQ,&D(FKHWAS-
ML;566"O?$T7.)[HE"E6W#8P>J)9%M[?HE.F7.5E*],=?F-0G?ON:+P"(&C5]
M=!7J%?1-]VC%2[@PMJJOV&8=(%;+XMK@05Q+!]Y-'/BW;8CDC_+YAECY</^*
M@!5KO&EJVK0M"`W4;'3']^&LH4CDH:28W6MB%^DQ"[.)GW2+2=/]').O7:;H
MKEH;72CJL4X76OY6%V+KZ_9[8Y0Y@`I7Q_\.]$!HTXO5XV4YV<U4:3/,W>!!
M;('3D-?Q>*:3S$0M#0@"!!TB8J*1S%H.)T*MUZ2F$_LAQ+S2(D+5:%$I5T;3
MV;(8F<M<%`"Q_"#N#F83S5%UMDCVP"&)/%L9"9!FN"XAUF#T4UU#P!A@+#=+
M!OM'VW5&&V(OV0BU!>R23:[+`#O!OJ`:]SV!AO)\*,\O9X;*I+0`Y>T)5!H"
MZD2[-\YH]Y)OEQ0YMFG*:3,MS%G0(U@OJO6@50[T6`D;816(,T.Q,J,#A4'D
M.T\8!5Z\6B8LY''0+"`?FP5^X&*$?RZQ[:VZ^#\1JH2U)JNS/1I>F;:/Z;$V
M6NKFE![&K>I\MAK^&^'YL17.MZ"/"Y:&LZ`/F.(G/S9G@$M1P383&E94L'>4
MS\I0^1Z@TA*.L%1H5=:Z.D`]0[>V<8%.^;[OX<<]WP?^<H9>YZ8Q1R:!$RV#
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M3>BZ#">P:`VR%U@^$LS-I?Y&T23R%8R.C&@K/UCLL"?B-1-'W?3F;,`6>3FA
M)''.,'/)R;M9N3EQ=EX=U_//#9W$`IZ!;>(T.&>$Q2XQPWIX*U07*D>1X4OP
M\_E5V"=W6F/"2Z$M\C4V4;)HX="IEXBH,'XV/!%C(A\.,]`RL6!EL%A/:<9Q
M,96VF4N*>+)&*.5LA[B_S+2L36MD_B+S/DWSI3;=0([>>=R^VWIOS/$TL/#=
M[,>ZGOY:]^97-OO/Y[\"\T6WZ#H2+DT.9)WO"-<4./CN<$T!KBG`-06XI@#7
M%)I10M+M(G/V*UQ3``3!-06XI@`5WI*6!\E<[@/7%!H`XNY@%JXIP#4%*"&7
MV6#`-07`&&>6P#4%N*;0]@)N&>*0AE1T9S-#<$U!0I0#J"N\IK!IBUS@/'O[
M0/PAZG7ID6^$]=PDHKB;?3%MW39,W6)GZ]YOM'?C6\*1^%#6(W%H_PKM7_,0
M`MJ_0OM7:/_:BO:O^U:RD)';MI/'S.O&)"9.>KG!AL9LHE9\I$!X`,62?4?'
M!]`Y&>$;-E0XMH6B&\X][$70AO?&@HC:<.[A+EDW'"5T,^^XOS?U2-"6E<09
M+CQ`G7?+@V%56^8\M:7?KVKAB=-8TGB5;?A2T87?$(WOF?Y74W\RK7!BB^D9
MEN,%A/_[(86B=7@TR7@3<7+S%O9>&EU5:_IL$F[EOP>>3Q220W25Z&W<"'Y^
M*'U%A[;$A&2R)R3#"H/N*RBWYNN6-[#<FN_SC)6`3R,1X?S\5\Y]%UR,#!*B
M/SNN^;\L,['IG\'W14]89_=Q'!?9CGV^>@MG_`E9L]S)!<*R\"H-YR2(O)7^
MVL7>&>VZZ%9+*;K5E'&%5;=9SF['/.NV15T`$%M>*_3\6ECY]DCH:5ONZNU1
MA8?*N<O_`3]=P0__XO^J]'Q->CNQN\G%_46"[3TN8(T6FYWR"H'Z(GLEG"JR
MECMZ>K;B#N!PRSA<K@@Q5->Y%K.KX0L8+:T0#,46*-ZN@M5#H5KWI*J,K(CT
M&_/5;:F[$,]27+4K<"*W@_K*V7BLY2N.!<1Q0ERS`998@-H[&VNIM^=2;<9>
MK2C8C$.4_AY+/Z[L!CJ-NFYX6]V*HR[!3V$+#'I8<`D"7T[@<\FDE&YT2ZB3
MKDZJU245/EWK:06ND*V_)2I'TC]#_]!Z_?>(YDOHS_U>H2QM6[`MG;NG:4-0
M_>T$0!*QM.'^X7U&Y3E)<,7RY2TERD929PDRDHTR[,`-F;B1ZF8EG&1#T`:)
M/LD$0#I?3.F-P1=K)P`2>TJIQ?-B>TP$%0MYL<8+I)0.8DNHDZ\@)4&7"*T9
MS)U'DV4UZPR:V)+*2O)T0V6=I^MK(QGS=$*)7+3`0E0OJ6KS@"/(`P+`^!W[
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MJ\,SM9^SR!*P)D'Z7-E3:5FPM:?9>?K-_;/!@.ME&K`=R:.$L>N;,Y.V<V09
MX\CCKM;AEJ8(L(A*;2-A."D$:<6UPJ>KDV&!6J[UMX0(/?B$<JL4H5Z:-AB`
MBR:QTN1(KOYXTAP7JN,Z^2$V94P62'=<4P[/M)'2#6;(I[N&9Q.U0=JKL0'@
M_2O&R^34(:@DZ532^&S2FW2#&?*II/'9.'/II8#37(G.:._\.7;AD+8Q.@D8
M(8T^`@^&-VI6W:8VA=JTNI;]Q4[J3E#H,E=3K:C\+HU2=3ZJX0J$H^00TM?G
MSC2DI#CQT"REJ\DZ@-+>ASJ(*B,[4E%2X5PH`UIZ&SMCXF@HF4J3A=7;M6:B
M>"U298Y&^]-P):SG%7KK4ZQRY7'U/C_(I+GX"M>#X=*]4.-4Y-(]R%.+Y(E;
MO:`T\B/T#!TNW"\/7;A_F&/D&7,\#2P\10O=#US3-\-"0B.YL!`NILM],5W`
MJ/#-Q>Q&7:7>KA@9C@0JO)P!5[@8/NY"N#28_US.8\B4.Q^,I;HR'2U'"`ES
MY[H`+EV&R_<BZ5&`3)<AP[)$/#-QI<Q]'>8[\=I4WLX4K>LSJRH"&:=P<[NX
MIK.TO+U8\HFQ5F5O%:2<]49-&I";:5>`ZHZC&A`-B&X7HJF>3F]JS\$#D\BO
M2JV4D4N`A<EK&2D\+A=RHUT=Y*R[[X@.[RXF^H`'P,.VCABF^WGMLHC#YL`?
MT"X`[<,Q:$#`1!P3\=IG!-@`;.32%^VRCJEEPG+!']#.'>T3;03Z#Q`!MA&P
MP4%;M,LRCIL#?L"ZB'.#,612`1-@&P$;?/0%OTHOJ<NUDZAS-?.QBP;H#>MN
MH>'$+3.K8OF85ZS$5E=6*X:0[`7$@5,`V.L&]LJDJG<N7%9[DRSGA6*!KLG1
M`OTC%SHZ.-D]9TVD6&2TI8:R!)7D4TMG(S6]YK+90E6YZ00I`RG;D[)B)W<@
M82!A(&&9[9B6N5*R8SU5KJ`_"M<GLOZ;-]B(]J\(6/%^=R"I:+K3B8<S>5=]
M?4R;_&@[1*7H/FT70E'\#W7_UDRIM_7.B!9!CHL6CLNY4<T9W8$_QYR)KS\_
MN_B9D)[S:CES\14WI%%/?]<1VC.LZE!LL\R\G8A57E.CPE_9ZOCWZQ'92D.F
MA(N1I8_&L%<5?C*X9L->98Y9[O81@)IVH^8`2`H/P3F2&R^@NVO2Q4F$J;S!
MNTRIZ[P==?,%\54VR.WPE7ZENY-AFP'@KN`U:9]*/[5PF*/9D3T02*).H19Z
MK95?0241.<:JM;`H0@7C`.`2>N3$BKWDB2V$'DR)-0?YJV_$GV$V1+SK!D:+
M@ITVG5DJ2LZZ`!"HE@D4R(^(8"WY>/_7=X%W_JSKR\N;\'SQJZD_F1:;+G)C
M>H;E>(&+O0>RX4^68_SY\>]_0^A7_>?Z\]ZGMVMGL71L;/M7EH]=>BSY@M=?
M0.;TP\GMS>-8Z9\@@ZR2_,,///MP\N7'W;?'?^MV3WFDZ?#'A[O'>[S4>N%O
MGVW?]-\>P[WV)T/UY./.$1<4&4"101>+#';G]<D_EX861#P[+OF'*3WZ7L^)
MYONBU=1IQ]V:1LT9?T+6S!EQO$5N7:W`]\'RUCXD#"DRLLT/'8L=V)9[./.8
MT\"V\%=!)1$P8&3_B%NL!YO[D+O*"+#H;`W`3^OQ([Y,0I2>KTEO'RJ?2+"]
MLE[S%9$WJ;">BN=TY%SKV!MV#!SN$(?3M=ZQ9BU[W6J.+V97PQ<P6EHA&&I"
M<7B["E8/A6K=DZH:<N?\CU@BV<DY9Z_:^?'*V7C<I'E&;4)<LP&6M/I^[VRL
M*84]Y0'8C#PE8N:.W4"GIFU8P90\ZUIWI^A;F,$V7#PUR8=T2[<-=FOL$@2^
MG,#GDDDIW>B64"==G52K2RI\NM;30E693R.MOB4J1](_0__0>OWWB.9+Z,_]
M7J$L;5NP+9V[IVG%.LZ`ZI<>`$G$TH;[A_<E>JWFRUM*E(U<U=-#1K(QAAVX
M(1,W4MVLA)-L"-H@T2>9`$CGBRF],?AB[01`8A&M6CPOML=$4+&0%VN\0$KI
M(+:$.B7NUI6^CB@@CR;+:M89-+$EE97DZ8;*.D_7UT8RYNF$$KEH@86@ZK6*
M\X`CR`,"P/@=^PZ*^[;2UL'GO0(N-(/)KH"CO7LY1618[#76ILA\W7"1O&9)
MEFNM%5=#J6>C7K%J*)"J]D@5"%$.TZ^<C899[T8<NAZ>XZIW>#=\=9]\E5#_
M%"9Z$JZ7$W/I^::QN2$^V+XA?G7_>/<E_5(X"FPS_/#O]S<GQ/8:YD*WO`\G
MY\.3CWUE/-;"#V^NN6=>UO9NOCNVF7]#0[X;TK3A[G;RK"LG?[XX+E'*]F8W
M([Z[47KCW,R)UI2?-WN;&7-FS:@0:Q+W4T!R)DF[N<&&QIHK:+DEIS?6E#HE
M1^WQW=!*<.J1'%7ANQM%S<\<;I*CJIRQ-MC;3&')*88U+:\J>"1&\?&:'5%\
MBDXHKGZ:7OAGW9TNV"'&]@?"@XTC*.WU^:&T&"WZ>9DKC!9]CA);".>)WD@=
MI.AKHTHE9(\2N=T88:`8EM<5VP[MP]LRH5>1.NI@KZ+KO4BAX./#QPGN4_/T
MMIZ(XQ,>\GTX[7D"?9OD[9O3N"Y0W)LTN=SG)T&7G\RG&[D;CH@]DN8[M#)<
M'0P^*IJ`[7)_EDRI?!A^5`HYPPI;C&6!SE!L/4SAWCXE;LF(;2@EMLB2WJ5!
M+O9UTUJ[WOGNUI0MI6ON^5?KNL``;X7S5A':"6SU^-R%I$G:3X:R=`DO1]_K
M+Z;]["'=,)S`IHF*U8P,Y3VZ,5UL[#>1[9*,M:EV1N8*%W5XIO9SWCL"K$E0
M4:+LJ;0LV-K3[#S]YO[98,#U?CG8CD1"7V^/?%]YW-4ZW-+<BRFB4MM(&$X*
M05IQK?#IZF18X'K#^EM"A!Y\0KE5BE`O31MT=W9O$Y0F1W+UQY/FN%`=U\D/
M<].=GB]UUW^K5CQ!4Q[2E,,S;:1T@QGRZ:[AV41MD/9J;`!X_XKQ,CEU""I)
M.I4T/IOT)MU@AGPJ:7PVSGP;2<!IKD1GM'?^'+MP2-L8G02,D$8?@0?#&S6K
M!JR;0FU:7<O^8B<U["K4WZ"I5E1^ET:I.A_5<`7"47((Z>MS9QI24IQX:);2
MZ&\=0&GO0QU$E9$=J2BI<"Z4`2UM4)0Q<3243*7)PNKM6C-1O!:I,D>C4>TJ
ML^Y&*&*5*X]N5/E!)DTO&.B8`WVHA!JG(GVH0)Y:)$_<Z@6ED1^A9^C\>U!M
M7=G?W.EGQRV_T=.6>%'>W2SZXN9N/^?./T-MM&Y*D&$=20MFATA7JS.D]4(3
MF_H47^AXTILD+W3K_?DIJG%NUC.<J`<66I*B&N<^/./Q4,M,T4.=>J*&)=%F
M5I<1UDM.[+93'`3J4.T?;;N5N*0\NTCD4VQ3N3ON'&D+,ACDVU+R^GCN,'<?
MG2,M8,:3JG>XA\3<_7".(+&_XEHQ)#*C$/W[E3V->KP<ZBZSV49B,YOBVR`1
M;5P%9%]1'EZP`T-J??=4;V)/OA*=Q?)*TN[*^.R*LXGFM*NBB.-LQX?#01G$
M,4.UV1IQJ+[I?N"2%>SW0>KW.M@'Z6&.D6?,\32P\!0M0N*8X?T.(_F^!_0+
MDKM?T"OG_E`N1IM^.8WJ<+-=R#L<"8Q#<^;!P\7PR>*$2^/?PT9L8PC96HEG
M*FD8C*7J9!,M1P@)<Q]!`ERZ#)?O14ZM`3)=A@P[O.-Y0%K*W-=AOA-OL^=M
M&-:ZB5BJ(I!Q"C>WB^LIHY:W15X^,=:J;'F'E+/>J-CPFGI`G&E7@.J.HQH0
M#8AN%Z*IGDX?O\G!`Y/(KTHM8)9+@(7):QDI/"X7<J-='>2\#MD1'=Y=3/0!
M#X"';1TQ3/?SVF41A\V!/Z!=`-J'8]"`@(DX)N)7TA!@`["12U^TRSJFWMZ2
M"_Z`=NYHGV@CT'^`"+"-@`T.VJ)=EG'<'/`#UD6<&XPADPJ8`-L(V."C+_A5
M>DE=KIU$G:N9CUTT0&]8=_,UKFBG617+Q[QB);:ZLEHQA&0O(`Z<`L!>-[!7
M)E6]<^&RVIMD.?N\"'1-CA;H'[G0(:BQ35-<F-J1T98:RA)4DD\MG8W4])K+
M9@M5Y:83I`RD;$_*BIW<@82!A(&$9;9C6N9*R;16=T>ZLVRWV(E]^-NZ5<G_
MP[I[9^--'Y?$QF<E&NKT1L/PLYN..FD+R;CDAU=GLV3.C<\4==.K+<M"LBYY
M[N(8G3DW-E-(R)9]T70I&9?]Q0G<S:H3FY457_5$&V5>-%U(UC6;+S%*)W8C
M*X/H_0YKJ2O)L&B6Q]Y?>6(#LA+MH#)"9&LU171(8JNQM'4_1L]_O/=U'R^P
M[?\+.\^NOIR;AFY=_32]1Z+N'G\GF\-3]ADOG`IP5/EDE^2"RB=W`S)1>U4'
MV6%96&OE;E`F:K>5J+M!8KO2&K9;A9X<Y+;\PJ2V*@4[R.TY"-HR7\V\:2@X
MR.UEB-K@2$US`[T"5F:0VQ?)N+?OCIUW>Z*MS""W#R-NKSGT;D$K,\CM]XC;
MK5C[(LI1$K31PJ9%E),D:I^EC(HH'TG`9O/:DZ$HAZC`WM(\HL/V)+87SIF.
MX4A+,P,'>NJ&`P'NW&^.NQE5L%FCVL&NNE?0(9?K$]E@O!ML1/M7!*QX?VR'
M5#3=Z<7,F;RKSLZF37ZTG85IZSYM&$M1_`]UOV]*J;?USHAL(\=%"Z(P>%.=
M[,"?8\[$UY^?7?Q,2,]YM9RY^(H;TJJYOWL4MG>TH@[%3K'+.R)TM1X^IROA
MZOAW;!;93%6FDALC2R?58:\J_&0XG!OV*CN:R]U`%%#3;M0<`$G6.65YJR,+
MZ.Z:='$282J?O"Q3\6+>49?YRCBJG%S9X::.2L7SI`'`'';>1KPF[5/IIUX=
MYVAV9`\$DJA3:(A":^57T*6872GNUK48%8P#@$MHT3&[[B=/;"&T-%FL.<A_
M_TI\%7M#Q+MN8+0HV&E3U;JBY+P9`@+5,H$"^1$1K&6]X)%8*G"XT"'^\=7D
MWTUA`>_K!\K>W.1C:\FV\FA0\6;AG&\@J%F7'2TDVZHWR^5]^4!)+7N)KZ$H
M,CA//2=R(`89FQ7SGFR>?<4%,9Q8#E=\P471>X-=\T7WS1=\Y7DX7AI5O(3M
MV@GHO/2E[OIOW_4%7E=X_3"]/S__)"L+7/S5><U4:1J5#,?VM[ODV+CU];]\
MT4WW/[H5X+O9YH]?3?W)M,BBOSO^W6Q&OGOUK)NVYU_3,W>R8MU:;W^4N\KM
M\#YNOW]A#.*SQ,S;9=3)LE6.17`YMGID>6*XFECL7TSJ9.=JHG47OM5,7$V0
MY`75&7>S_\;39SR]]?%BLY'B-?Z;Y]^25;@!+3VE.FBMD*Y=/#5]N@E6KG4U
MI860]%/'5-.*(EEV4F3/B2Y#&O.:LN=M(S/*[6@<-S+WQ,:Q0C_;CWW&S%TL
MG6QFCF^I>#V_/%M*06;Q,OY49*X^M%8J]-VF_7QTAV/BK(TC#_Z`E\!%(A/=
MH?(266K?_5&1?5,M_AV3ITX#@VJ`!^>60HJXW<0WP[9'7#/[^0&[BQO\Y%_9
MTSM_CMT?F&KPZ8-#OGF/?=]B=?S>G;VU<+R1@W$OJ6P]L+*6K:?7_:\O(`G=
M3*7T4M+HI6W1*W=TL.F_4`&]]I&X\G_,^'Z+W[NL4$_&5IYK<[F=+ZDV=_6B
MFQ9-2)&0\5ZW\#TVHLM"G_\*R+HWOV]V7-Q+6X/HT]LWK-/8D*+KD^Z9WI:*
M_.SY9$<^<3?7WUC_<&-ZAL7BRI`:FRM'QIQ`W2)?"I?^#?MS9WIKO^#0Z=G_
M*\9;9+\UGHRC%!YL43@[^<J3O;BCV`*RLY8'>]F[O.2G*O$;NX5T9Z^4X0^R
MX?M7?4DB&:+SB.[;4)QS;DS=4LU'UU%HR;E=TB.="$8%E_QY-L,&U3P/KFY[
MUD[\0=C%S,BM;;@$D'A*B!K^0)YS-WO0?VYV-"[E7.1SS<C;-\#-ZIY1SO:W
M6%MV\R+(."GE<U1#QG-%U?C3,9L=GQ2_Z\HS"<K3-9DD9OO*N2;"MD3Y?3_7
MB5KY;VP10Q$J\`V,[AUKH^8F97J`>>PMNT9=ZVLQY!U;29$UE\G2):]9&?=&
MA18M/L:9],M=94Y7M\J666I%4#@9I!&L9%"HCGL5$XR;X9H,2P&I&L.E*`+L
M%E\RCDK!JR(R#GO\R;AO>S8K]PC`H_5=T3<Q>[2)=/8[-$P2O5&^'1I8@4^L
M/4.OHO8,>V5A\7X-Y\K@8CPX4/RR7_K":PE);[O@=F,]6R%<M:_;P-1CG1PB
M>*(-/E.NJF=L^+&/J%XE#3\2"W?G&%T[BZ5NOZ'`(T^;K@F`9J:MVX9)CSHW
M(HM.-Y_P?D&^@\B;]6>,<.26>O1O+[IK.H%'_LW]$_O()2K*NT!QXK*G8-H!
MP73)QXD-0S/761"B$QU%_M%ZHV2GSV%W^&D/AL#RS27Y>?5'C_90,*Q@2C_)
M"R5)1#(C$XU<8H;/T"RJ,,$_C;EN/Y._4*1@YO*1%4WQ3[K<I6L:^`(1`GMX
MBX#89CO"Y#N$XBZCEQEIT3/D4L^`[5>WZ+BM%5D/496^FRV)D%(G?R-/<6RR
M(MI?P49TY<_TL-H@/'9L\G[:)\,/F2Z29!10ZR+[T?NM-4>(H=3@ITS2P2WR
M+6]HZI#OV(Y/>/I,18'U)ME`G3''U1E,EX%+^(F]_8M3'%>$B'$FBR#O73"K
MC1Q[Q?,]OL3D/0Y2BFCZ%3=T/9%N&#0F95MP+-,PJ?2Y>$802H#YW?$Q4E3Z
MGJ5.W>KQ:#-127F/)KT5[*YL.R!P_(&7CDNXGU#BG$F;IBC+1JOC6SND.&4:
MH>LAIAFLLH`)TUFH+I$O$E!D&407+;P5%V.@T9]='(8CB*QHKGOHU?3GB/;^
M6JDK8^L0Y2R^*V2&@N-2[4DV13>-31KS('.Q()LDX+/>D,>"'D2_X`2^YQ-T
M4B1:JVH?]*1;Q%31?D-$\3I$4QN;.IU@&<'?,8S`=;%-U>L,Z<A;$O=W9I*W
MQNAYOD(\?B&;$DE4L;KO$[$F(I\_72D5W2/JS%M$IB5&R9BE2=,ZV^B@38$X
M]B-+6KF([F1)[^'75RMS[Q2>-D18'[/,33ZX\B*N=-;V>JZ_;"DS5LK+NHDQ
M9^I5=TGHZZ]`_;*JY$+Z.@S>#P=X:H@.6\>]\.2`_O"8J\N+"U$'.\)W:A8(
M!&;Z.CQA^H[OB^CF;';#AIF<3Z$50_=SC'V/GWT(7_9CRUOC^VQMX_KQ??!P
MO.5(CA2^CT]T2SF_@KK_.D&L9[CF,G3'#QO&!3NH)[K@^8U]<8JIXV7:U-VA
MWXGC<187`SEU196=3*FN"/L),F+QY6+82#!8D%>3?_$8+WQZZ9DSWE?\Y?O4
M`)_1;$64*EFG,TA0Q_<]+A$BXN!O(9,YB%%$R7E;L4-7<!O!;>0!*6D[D4XN
M1NF-2,="6]F-=YM'I%W''O7"Q8KJ;K5Z?J;5U$J7=2/'04HCQTD9<AF8:O/T
M14[VZ)5?1B8'1)`=4*/PED.>R^D5LX7?ALNT\VPY"F)511EOXQ=6<^*5EWB5
M5+>B*=+(J6Z@T8H7Q$I>"BB;CJF0]O(WKP;)U$]9'4V$-UUCKRA+M_`WMC+N
MC=E%JJ8TXO>5"KOH9VA6T^<P`WO-*]Y]T#OI.W41/47ZH;?8]G41`J!``#W5
M*A#QSA7_A!`/M^I8.>@4>V0Y8364A^9186BL:"HA=UBIH[4="X@C]R3K&C15
M\'B-'/1HOAD$]@)[@;W`7AG8FZ7=:QI_!?H8DG@.M_$[`^S2DJL;A8Y(A+H(
M8K$%"B&'0@!6`"N`%;6QHFJ3ULQ33<XG/6$EXYS=7F^1:128ZLLW`8`3S`7N
M!VF]2:Y!%Z#CQ&RD0<!*Q%%_D&^:).`(-%8QC:7FF\P#0`.%E0BC5!2U/T/"
M9L8A%_N!:Z\3)"UR`JL-/X`X0!P@#D3UDD7UH,]E\5IC(V]14M\5X$LE7M\8
M2`\BT5F^E&1#^X.B+SN]Y>#D6$[_MC7Y&#BO!%8`*YH?9):H1Q=[^U_433J!
M0>QW["-SW4%;TN-IH>0M6D4HZ#I$Q2?2XW[7#W@`7)QB&V4$6`(L"5)4@\X?
M1`.V^/!"489U)5X$W8,0?6X]S7,S4%+?L4-W3T2JX>%$`ST,@"KL(PXUL..`
M'XX*">)7P%.9F%5)/Z1N_RG<3<RYHW,"FM?Z`8XAI-%%P`I@!;`"#N?@<$YP
MA4Q\'*2!75\WR:<63W@Z)78[EJ_9@ZH7+/FO\U1/:+P9>Y,<*2#(G'*/OA2U
M\Q=:`5R\4D,0R0.41.FI8?H-1``7@"LC+R;I5^_A]##E]/`,/;N.!T>$#<V@
M9LS(JZ!K`5#%_<!13P'\`'XX]C#IIQ?\`*``4*G-2Y3TFI?VGQ%^Q9YWB:YU
M;TX7;^D^=HEC9V/?-^WGBE*,3[\D,$&>'*/<.7Z1ZO5440=USUWJ!#N2J:]I
M0Z"^/,*@CH`;=<F"%)?K!9\VBC+Q:/V_FYUQYFS,]2:)@ZQH\NE;Q0Z`(;<#
M`/E5@0Z&?"8.V,W-@0'FMH&Y(,N=8G<A69;B<"P??559'+2$PS3B?U7D>TW+
MUG<));JX\SZAR^:!E$Q:MU#WZ$J())U]&HP*'3X!O,7`&]"<Q_QJQ:HQ`;R@
MFYN@FXM=/0=T@VJN7S4KH_1[[['(Z)VO/UEX_=O4?%G]O%PMQC)M?![%36J/
MK?G=ZD.QSP?6ZB?+W'S5\R/26<XK(89N+>=ZG%1_!)YOSM[>+W3WF1"',.!R
M2%X1_1J2^+)7DE#C`X2Z9;=:R)=FT=47(W!=;!MO6TU(UC==3'M]^\598E>G
MZ6BD/[L8LZNJ%_LDMTQ.-.E51I,?>.EBC^X'^7.,G-G,"Q/OY,=X8CYV1Y?E
M[.F'&>Z1[R`7&Y9N+I"Q<XA_JM-_PN09!'2_(,<-W_%$MDV>ZMCA=\.Y)?M?
M7>IOX?=TU_3HBO8(SH\,,]=9)&_WU/L%X9_8".BEY5?3G[,]>/J"7I@*Z'#:
MI>[Z;RBPR=<):1"V";P,3)>.%KI'/K`ZRR`;<>E-*_K8??04VTRD`JZF4Y-2
M5+>LMS.VPFMGL=3MMX@!9.VV8^\2F>U:W]X'03O].MG#@D+`(SMW3?;W:`XO
M^<#O%_<7Z,'%NA>X;ZN/F&25C#XZWZW--I,0R'K^H2@*(E^V*'PH$&W3HG?)
MR3\)A,<]7OI4+[A(ZPE\S9G(/:@]I2_P\8P9-P1L(9D4T7O1A/*!('V)#:H*
MK#>A+R)2R7#].C>-.7HE2"9.QY2J2H&O=?'2HKU8IP+?<8'N`[*C!*V##<=V
M%J9!=14A]#0PL!=76>N3]M%[C]@8[T^B?Y<.4368VHM_](>]C0(`P:]=\,_0
M4^`CD5!RHNXA(5885(A%W:#"L0_"Y]JQF1//6HY\TBW=)@^XGV-,_+<4HTD>
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M!@+A0=W#3!!=X8C*>83ZC281N,`[@<]F^B^VY29O(\ZC@FY^FCB_VV2QU_GO
MO-EJ^I=XSEPI*]**LGD'/6YA6B.)0E=$B_WAL.P<4<F':),L!UO@Y^6H*H=6
MRME3/?@>+N[=P:=S\E4//E^(LYJV&Q[>ZN'=\'BX<N#A5%][P=,?Q!NFAF?7
MFJ\/:4*_@'JN!XW<!;HEL5J4"MA.`U##*7(7MB/RZ5N2'SG,,9IE\X:H#ZC[
M:S\X/!_BIXJ7DJI?]FN\:(`M:TI##79R=<F<2OK>3)KZ!KN\.)UC98F.<P2(
M+Z9-.$,#O-O8R1[C]?\E'B(A.ST"0O]-T\3HRF`BDW@&EYN%R8',%@O+1C:9
M+>@//".P)\+PW2$1IJ(28`N5R*7^C,6JE/%D<U-->8\F7,SMP?U$;L>5;1/,
M(!(X.J[/<&-2Y;((#WG)_\7/UQG&_HIAC(V%0_H:8T751`J$.("T$7J&38W_
M#SLK_>\#P_8$B*L82H3_S@)LDX2+II&)`K>KG-$/FC,BQNC0T%]9Z9!ED_'@
MWO3"$)Q86]_929FQ`)TX_0Y1].LD"76&9N9//#UGG[$<^_F<?(F6/SSY87R^
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MZ7\MASC)ZSKV/>]]BO3HL&U59AVQ$)T^_+C^A>Z-_&I[+`LR-[=W?3AK2EYT
M9Z-_!\0[5\9GB/H2VXE35L-(O^_B!?&KJ3QJ_0MM71KCS767A1;A1HB^%6L$
M27ACAF.GZ"K)UB-'4>A;V^.A)""3_N4P,FD=ZS\455TS7.3R3L7Z'+V+T0YN
M?[E`O[FFPQ*'*VB%9P=.2)>?/B4&_3',;5%RX-DLM&<A-9_9M1*7"+"W/MDD
MN%PEV),_(C3F3N`CD1(BS%.3+)WJ%XR>L/^*<;C:2"DF*ZZ=`IG5C9&U?L4+
M:N$#RP_OV81D(NI_120;>^$Y)24=K?!YMLGJV6=%$N&.'CH+50I$P6+;VY!M
MZ[CDWB?_"3/QA(:WMN$L2$@KI==2WZGW`[N=8EG.*S4K[#X;\H(%^2IY3%BR
M9!(K9,1.J8Z0>"]%=NALB\%4>(*!VDV1SS^8_!,*?"K,=&<)UF(670P3F@6;
MNQA'%X9LC!;D&W.BE.TIETL0]:1!JLI$)0SEW'1G*7&%-)+=\#N;Z[,6"=7P
MY>J'F%+)U]9'2VGKHPS'6^/;N-\/SMG':;V>,AIT=#$X="P4"=@#$X)O(?8_
M4^RC.(;V^5QT$?O!9J)PG'X+_2HO5]>NH3Q\&RXSWL\?2@6WX2[8TB8=JA<2
MK3Q:33::R[-LP`G@A"M.)CUY%CWIM9G2()$@D8`3P`G@!'`".&D73DJ-I!^I
MN3:9:]$C51A,RK&=9U;BO_+/'ELG=U0E);NC34;5(9#>B,;ND>YOT8+$T/%?
M]$XR.J7'1-C[9>>TQ&09[C2REA<"L=!N!V!'J=G(GEQX72U(#!EOXC4%ARI*
M>!GSG#M/,\_`RWU>_O?F0+<2'N9UL&01_T$*9(;]G(C)B^F^0`!\QWYX+`HF
MIB:,E<D+ELGS\=QVKM[+H#S**`_!YD:HLKEBMYCS8H6C"U"7K($T@#3PEX;V
M(Z"1?-T09*<@4JR+)30+-RI;'I@IG'2Q%=X]G)O+7'+19C>PDD-?GIN/BC+7
ME9KH*ZW8NTT*,6OU05N@25-'WTW$CM#(.UQPM9[R5&2_'YL(DWA!5H0?EF'K
M`!YYP)/Y`HX$44F;53\HYW;*5\.5,_!2K*X$:]DH!#1<F@$\35,?32GIX>LU
MQ5M=K,[44]-%G<J`-.@@C%U`7E\2SD0$R(&41TM#JN@R6=-<<U)SUVKFM`6[
MQ9="=WZJ]":Y;Q("@NM6]:T$;#(^E3+P+!F+=M0\@OA+)/Y@P%)WKBC[_0WK
MT0\-P5-GX).TT0'H.IFQ";HN=>=EDL"`7M"L0AWU8:J?7G6ME2I-IO$AJ9=H
M<?2+V7]C\I)BMB\\_+(=^WS371F_8#O@TAN7__4`0?B2%ERU2%=F&U!D/75;
M@LTP)>T]0H!#P&%-'HF:/W4H=KLB"]*::?%`%X`N:+=-$I=A!%QP*(U1P#\!
MG=0UG22LY1;`HE)8Q))J[UAC\/5OT&'\:%FF-!W&O]/[&M!@'-H%MK%=(.`$
M<-(5G$"#<9!(D$C`">!$DF4#3@`G@).&X:0IMQ';6:\&#<;YT!$:C#<`L-"4
M&AJ,MY"7T&`\F_A#@W$P,577+T/3XV:*MV"#('?38V@!#M(`TM`=!#22K]`"
M'%J`0PMPZ`/;X>9_['?H'`G@X58>#TVZ03F#?(%R!EY"DVY`0'ND&<#3-/71
ME+(8OEX3-.F&+J2M<X2;6"N6R=ZULME9IIV?*J,>M-&6&L&=`6PB/K7>`/IH
M@P7KL/R#!4OOHST:2J(?&H*GSL`G,5J=0"=MJ=$)VBYUYV5T':`7=*O8D3?I
MH22TTH96VM!*&QJ+0A,_&3T+10$L`A:E=!PD[FP+=@ET`>@"L2=4C>V&#^C@
M+:]*3^9VPZ"9VH*]3)H)^F!W'B<E82&D#_;Z\S&:_!%XOCE[>[_0W6="!=]9
M7M('1+^&M&1_B;]#*9L04Y3-.RA*V!L2\V-SC*Z=Q5*WWY!N>4Z\[9".;$S]
MTFE@T+M^81NBR%N-#K41^;/EV,_GY,\+-,5//G)F^X0ON(%L.5V.#Q_MU]YR
M?+I0NBS"%MQ"WZ';TP;S=O\`!WB[><<L:BWOSUV,T<)AO>4QZRTO\K7QOO4B
MWW,F=!>)5?L\T25:\A)+R1M#?F*1EN'E?>OM3#BMA&HI51D)!=)*E32;2&.A
MNF)-I)5.%/DRF][JC*O;QEHI4.4=4>7;ZE;DNY:N28(8\N6PX0CQ17R'220-
M3#SL^Q:[&NVATW5@HAN&&Y!(YA<:FOB;Z&8=&H[>>YLPAMT2FJ[[FGCD9X]$
M;>Q5NH=FNNFB%]T*<-@<S[NH5CK?+;.$EBF18[8'I,:FP]W85+L8\XA.V:_Q
M1`];V)2$GRYK+7,9$&WHTC=G"F1I`\-;F[#09Y?E64/+A+.4\O2H-U9?MRD2
M"L2EX[*(G\3R5(2>=1+Z$UO(>A,SP:+R9VZH'0K'&?LS_8[^D_Y&4PGN-.Q?
M?'5W?4LE:JF[_NJQ1B`T:`JLL%>1[^JV%[8K0OJ4\IBN62C]7LE.F^M=]<5&
MRJUP04\55=L_'&N*J[;KX$+0#YZB`/(+I<Y^T-]HK:N(Y44[M*XRK#;PWPO.
M02V"6N0;0%\(W<N5_89BO4T/.?9"/261#Z<!B<CGBW7Q=@,ID2];!6G(]'9&
MRSA"7SO'KE`:KFY7(Z&)T\`U[6<F,DOLFLZ4"I`QU^V$>0D<WRI6-]QL-@7^
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M>'DNHHKJ,W#"BK_G4I`7$"FK\#N;RS26OO3PY>J'F!;=Z^BRHV5W[_DH2NXN
MV;GN'*V?7T;13[+72!V^T91W?'B^IC6'Y]'O4WP@<B6KQV=:2XTT,58MW)6T
MJ>^J.I1KM.!J02+@_%OH'=!SF,)#Y[**>UDA/@HJT>*3=V)V?K'(^8:,<$^;
MHJCT)F*G1J]>(`*]7R(/Y8%Y$=]"Y^%SHO,@1B,!D[(SZ3MU\++R"/1--_2-
M*)LI$M!;Z?O\B@9H+I+F,BB.8ML.?V-,,7WR=H-7_%&AFA(2*Y1:/S\(%FC+
M(LBX-UB.\T\RET1I=ITM//1J"0+5G/6YP9[AFDN?4Q.$'.K^]%M85N#EZH16
MC>(7S,]=0\&/G7Q&V[;&.J5--!PH5>G`#,V;V&*X^%F\QV"6R"%DV'=&<]8M
M/F8NO,@CPL`,$*HN\[&(4'%T#1MU%,AAU&NE?IKX8S]^M-V97"<-22L]O12H
MBG--INEK0A5Q]/A*]EVB<6OG@=41'"5M,]>`#/Y.9=.0`BJH(A4D#;(*+`24
M$$\EU-QSKP,U`V3I-G$`PTNN*=YU_I?V#[QT7Q2]8,E_;Z=Z0BHW]J;:PP4(
M`FI/S5;(]4AAR6LO57EHU5Y.).I#=2"?=R+L\=++P;A`[A28P4D4E-XXZSB/
M#AZ/5^0Y)7!`)K^IL<?AUX['F@A<Z^X4?0O+[#SLOI@&3KA+URVW2RA3\VM$
ML4=(34V#B,O$`M]EYKO`])<@2G>9\_+YK\!K":0\U77N[2R90P%!/B+GG'<H
MU,U^<'S=XI``Y7^W60PQA98Z"(9!T1O1U5!24B^[;K:UYO2S!)4D,R0%LK^R
MZ*060AN0G+UJ<G^(B4CDUEL)T`#H@E;F>18Q!G`+6C@H9M%E-+W]/L!U#F;/
M-#TOL%8_6>;FW=[J!J'EO!)2ZM9RKK]/>$6L1R+MB+C?GK(,G3=-&P]7[=#6
MOE8PI2T1W5?=G7JLY1L]:9C2ALBSZ(M&X+K8-M[B700YQ+N;%28TM']GF>L?
M-U1>,?O7=X%W_JSKR\N;]9)N;<]W`]:)[\J>TKZAIOU\19LAF[Z)O1O3,RS'
M"US\0#CQR7*,/S_^_6\(_;IZTKTQQ]/`PG>SQ&?>VNM[B7>S+Z:MVX:I6[\Y
MGDFOGW[13?<_="#D^N'(G'XXN;UY'$\F)XSBY!]^X-F'DR\_[KX]_ENW>\HC
MO7GS^'#W>(^76B_\[;/MF_[;8R@:_<E0/?F8`[02=-V,<B+;?38YH$79W*-)
MZMKITR0,M_Z!X7M68S[Y/C7`9U04B=Q1TL0'E/)]#QMW>H:VFG_2CN#8#\6<
M\[9,_<FTF*315I_DK;P>GV0LH*%VEN<S-M]@(Z*4(GPWW+IKAT^4MI/FY&*4
MGO\>"[T^-\[1$DL=]<+%"EK+^OF95E,K78PL_44F9<B5I5_(9(]>_'SHL#+W
MBNGX/%%&Q6RI-<W=%11\W1CDHL=\6=6<>.4E7B75K6A$M2<2"30:]"`6]110
M-AU3(>WE;UX-8F1IX:".)J*KO<)7<,G+ABM+Z1=5K%V42-641OR^(K9X(W>%
MC,*QE2/O;BB=])VZB)[,,6\W;%\7(0`*!-!3K0(1[USQ3PCQ<*N2:'43FV&U
M/[\J3*:OCVL2<H>5.EK;L8`X<D^RKD%3A>J9U>.KB[EK563`7F`OL!?8*P-[
M,[@PJ?P5Z&-(XCEP:`E9A8L@%EN@$'(H!&`%L`)841LKJC9IS3S5Y'S2\T)/
M>@[-@FZN:128ZLM5RLT+Y@+W@[3>)-=M4]!Q$MP1J!=8B3CJ#_+U*`,<@<8J
MIK'4$0`-%%;YGHJ%>V&T(T/">E@@%_N!:Z\3)"UR`JL-/X`X0!P@#D3UDD7U
MH,]E\5J+-]L#OG#T^M*;!P/I023:S)>2;&A_4)1CW`G`$P[)X+P26`&LJ)L5
M,@29)>K1Q=[^%W633F`0^QW[R+1?L.?3NFY)CZ>%DK=H%:&@ZQ`5GTB/^UT_
MX`%P<8IME!%@";`D2%$-.G\0#=CBPPM%&=:5>!%T#T+TN?4TS\U`27W'#MT]
M$:F&AQ,-]#``JK"/.-3`C@-^."HDB%\!3V5B5J7XA-MVG,+=Q)P[V_$;V/H!
MCB&DT47`"F`%L`(.Y^!P3G"%S%DT6X3:9@.[OF[:F\$BTY0Y(D)&U)_J"8TW
MLPVIA^-#.3.GV:(O1>W\A58`%Z_4$$3R`"51>FJ8?@,1P`7@RLB+2?K5>S@]
M3#D]/$//KN/!$6%#,Z@9,_(JZ%H`5'$_<-13`#^`'XX]3/KI!3\`*`!4:O,2
M);WFI?UGA%^QYUVB:]V;T\5;NH]=XMC9V/=-^[FB%./3+PE,D"?'*'>.7Z1Z
M/5740=USESK!CF3J:]H0J"^/,*@CX$9=LB#%Y7K!IXVB3#Q:_^]F9YPY&W.]
M2>(@*YI\^E:Q`V#([0!`?E6@@R&?B0-V<W-@@+EM8"[(<J?874B6I3@<RT=?
M518'+>$PC?A?%?E>T[+U74*)+NZ\3^BR>2`ED]8MU#VZ$B))9Y\&HT*'3P!O
M,?`&-.<QOUJQ:DP`+^CF)NCF8E?/`=V@FNM7S<HH_=Y[+#)ZY^M/%E[_-C5?
M5C\O5XNQ3!N?1W&3VF-K?K?Z4.SS@;7ZR3(W7_7\B'26\TJ(H5O+N1XGU1^!
MYYNSM_<+W7TFQ"$,N!R25T2_AB2^[)4DU/@`H6[9K1;RI5ET]<4(7!?;QMM6
M$Y+U31?37M]^<9;8U6DZ&NG/+L;LJNK%/LDMDQ-->I71Y`=>NMBC^T'^'"-G
M-O/"Q#OY,9Z8C]W193E[^F&&>^0[R,6&I9L+9.P<XI_J])\P>08!W2_(<<-W
M/)%MDZ<Z=OC=<&[)_E>7^EOX/=TU/;JB/8+S(\/,=1;)VSWU?D'X)S8">FGY
MU?3G;`^>OJ`7I@(ZG':IN_X;"FSR=4(:A&T"+P/3I:.%[I$/K,XRR$9<>M.*
M/G8?/<4V$ZF`J^G4I!35+>OMC*WPVEDL=?LM8@!9N^W8NT1FN]:W]T'03K].
M]K"@$/#(SEV3_3V:PTL^\/O%_05Z<+'N!>[;ZB,F626CC\YW:[/-)`2RGG\H
MBH+(ERT*'PI$V[3H77+R3P+A<8^7/M4++M)Z`E]S)G(/:D_I"WP\8\8-`5M(
M)D7T7C2A?"!(7V*#J@+K3>B+B%0R7+_.36..7@F2B=,QI:I2X&M=O+1H+]:I
MP'=<H/N`["A!ZV##L9V%:5!=10@]#0SLQ576^J1]]-XC-L;[D^C?I4-4#:;V
MXA_]86^C`$#P:Q?\,_04^$@DE)RH>TB(%0858E$WJ'#L@_"Y=FSFQ+.6(Y]T
M2[?)`^[G&!/_+<5HD@?3+PC<TWXTP^_9DY%(/1\WO@TED#JLA$"@G&I73N"5
M%'H1@:YI$]U(K'48AE(=:Y+0SR"ABTC'A/D$AH5UEP7@4<A!8F\2<KWJ2^\]
M\JA7H2]HR$(B4:+]28!#,R]A<$972A2Y&XL[O8+V@4&'OH":'AK!T:95SSJ-
M#-GC8M'B4_C%=J8$0EI3568G9@98'9^75,@G$"BT1I`&G)5$YB*9J`IBXD/,
MFYGKU'\BXC0U7\QIP&2,]F$S9\0)M_TXVV*$H^2-,CTNIADS&JQL?6_/-Z<O
MHYD:"Q]XYML%H@OS6;F!0'A0]S`31%<XHG(>H7ZC200N\$[@LYG^BVVYR=N(
M\ZB@FY\FSN\V6>QU_CMOMIK^)9XS5[9%^MVFD"7*GO_Z+O#.GW5]>7EOS$E(
M8^&[V:8N^G:3:+VU[WVR(_KSW>R+:9-=$8O\F^.QJ(5."/T/38L]D`5_LASC
MSX]__QM"OZX>OGFD]QNAC?&V_APRIQ].;F\>)[W>">OZ1/[A!YY]./GRX^[;
MX[]UNZ<\4K_L\>'ND?B86B_\[;/MF_[;8\BD_F2HGGS<.1/(2,-D4Y9"P_R@
M4I3-.^B1%7O#,3T9>*P'^5I!S%8DW\I^G\8."WZA6H^\67_&:T7HT;^]Z*[I
M!![UGO[$H:8D`>?-5J]SE[Z#('J=W@S3L79HL*PW:I?H<YB]<ERT""S?7)*?
M5W_<:M3%01(9T1*M;=P1.UL?GZPZAYTQ-8/_"L(\\13_I,M=NJ:!F;[WMH\/
ML,UVA,EW",5=1B^R#YI.QF>K()\\0+>HA8[;ER2JTG>S)1%2ZC1'H'N.?<84
M.B$E7?DS33H9A,>.C4-')E(C(DFVIZ)B:XX0PYP-H7S;@%OD6][0=)6AP?8S
M%05B.^,G:HPYKLY@N@Q<PL\D5YGCBM`7\D:3>GN+\)PIQ70<.^/"5MBNUF!N
M#-L"U:8FE3[B%Q&$$F!^=TB`HJCT/4M"``^-1YL+0\I[-.FM8'=EV\0!0\3'
M=ES"_81SVV46;9K+X!0YWA5O#D6]H2".V*_Q,A&VK"D-+AF&+D.M3-Z;R:X0
M5<\+X3E6EJB\(W2O'0@4<S%"I?E_"20)V9F@_C<]&$!7&[@71&@^>U\VELUL
M[W_LBZQ0312J`Y&O&$]V5(W0_22I,8:;'74;U_\,8W_%,,8&`<94:H*/GE\+
M]NK3@OL`;XJ.6O.(B`-Q3^/=V?_[P+1&`=)?F;>?X!=,C[:H3[/T!RT[#T1K
M%^,CF-Z$DH>CO4-1X3I^C$>?5^Q2[CH^5+;CPZO[Q[LOCS?8T%B`J.V'A(_1
M>QZC()S%X%\=@Y'[ZJ?IK3]P1^-[]CKO&\O.K_\E*1;^0=SFK:_?1B')#\(I
M$OVSQL49GN/]2S?MKX[G?7K[[W#ZP`_JX)'%>7-SN?6&-7VB#^X\/?KK2F9V
MM[>1I2LO^NAF%>&C3DB@9X:$_?W^YH0@SS`7NN5].#D?GGSL#P8A69-X?)AW
M9;BM2LOMJ%?UYRC@%,/P[]B_70^KK8?IRJA?-=.U.I@NFHY#;50U'?L-%YXC
M+/GNV!O+F(D%XI'\==TL8LV%01(7TG*8.;GP=9./!JN5P'4UK]RM>5B6\T.Y
M.=\5"S:H#0"CV@`@FJ;CO*J4&TW';1`JWI9-&:IU\6,BV,D`\W;$O-7$>*4G
M-^.[8MT495@7`D2G8NHS;XHRKHNHHC,>C;1OD[R)IV+LV(Z?E5KR$)FXP)KC
M_&#7%.]?]66K#%I>R>,1I"N)J1)YO,HV\[L&'9N8DI%'QP*W$[BM_UQ>TH[L
MU^M;>]^C0NDU6Q/S+8+T=?HNSS5M[94=7'CF?56>1CBRN4U&K?S>$L-YD:)X
M%)X9]K1C?*[LZ1JL>QL4'1_G`>46)H]OHM"&U<KC0BEVG1@+U2BCBEIHV_NZ
M.<379J-5GLBF[U%3)X==Q?`QAS85H^9F9Z+=_9PL5$8I>>O8LW+ML7(_]TA<
MIY7:8H8@3A5]_`;U(H<%M)<BH$*.O%711VX0LI=SZDLS6+0O#`5!1Z4Z]]E?
M:::+/O.KIR`HS?B)H6-B+-(@X>%^;)KF01YCP?'@5DL,A031^V@\L$ZA\PUP
M-=&13ZY-B@EZM,2@IY8]#D9*T:`G@X;0$F.@6C8Z5O.>;)=5CUJ5]9+IFQ_U
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M#TP(OH78_TRQC^(8VN=ST46$OS,:F3XA@G%@<M>WL".BEVLXVU`>O@VSCF$8
M2@6WX2[84E:NJA<2K3Q:33::R[-LP`G@A"M.)CUY%CWIM9G2()$@D8`3P`G@
M!'`".&D73O).AM[:YDC-M<E<BQZIPF!2CNT\LQ)A:E49]N(_I><!-J.YE93L
MCC8958=`VO@>NT>&_$4+$D-'6K?BH5/+\3S:>):VO7^VR5?8H#J39;C3R%I>
M",1"NQV`':5F(WMRX76U(#%DW!R/L:,L6F$B+OV7<^=IYAEXN<]+=GA)#W;P
M?M-D$3S,ZV#)(OZ#%,@,^SD1DQ?3?8$`^([]\%@43$Q-&"N3%RR3Y^.Y[5PC
MMD%YE%$>@LV-4&5SQ28.Y<4*1Q>@+ED#:0!IX"\-[4=`(_FZ(8AI8U8M2$(E
M&WL)+;<%I++$9.%&9<L#,X63;NS"3BZY:+,;6,FA+\_-1T69ZTI-])56[-TF
MA9BU^J`MT*1JBB95)Q=J9<;4I8KJ2"(_6D]Y*K+?X],2,L^?%>&'9=@Z@$<>
M\&2>[RM!5-)FU0_*N9WRU7#E#+P4JRO!6C8*`0V79@!/T]1'4TIZ^'I-L2F\
MZS/UU'11IS(@#3H(8]>2Z6AC;'O8RT0$R(&41TM#JN@R6=-_Y-EX[EK-G+9@
MM_A2Z,Y/E=XD]TU"0'#=JKZ5@$W&IU(&GB5CT8Z:1Q!_B<0?#%CJSA5%E40_
M-`1/G8%/TD8'H.MDQB;HNM2=ETD"`WI!LPIUU(>I?GK5M5:J-)E&UCX;N:Q_
M=K'+.UOH%[/_QN0EQ6Q?>/AE._:YN4XYXQ=L!W@_V5QK6E(LOJ0%5RW2E=D&
M%%E/W98`K?L_:N\1`AP"#FOR2-3\J4.QVQ59D-9,BP>Z`'1!NVV2N`PCX()#
M:8P"_@GHI*[I)&$MMP`6E<(BEE1[QQJ#KW^##N-'RS*EZ3#^G=[7@`;CT"ZP
MC>T"`2>`DZ[@!!J,@T2"1`).`">2+!MP`C@!G#0,)TVYC=C.>C5H,,Z'CM!@
MO`&`A:;4T&"\A;R$!N/9Q!\:C(.)J;I^&9H>-U.\!1L$N9L>0PMPD`:0ANX@
MH)%\A1;@T`(<6H!#']@.-_]COT/G2``/M_)X:-(-RAGD"Y0S\!*:=`,"VB/-
M`)ZFJ8^FE,7P]9J@23=T(6V=(]S$6K%,]JZ5S<XR[?Q4&?6@C;;4".X,8!/Q
MJ?4&T$<;+%B'Y1\L6'H?[=%0$OW0$#QU!CZ)T>H$.FE+C4[0=JD[+Z/K`+V@
M6\6.O$D/):&5-K32AE;:T%@4FOC)Z%DH"F`1L"BEXR!Q9UNP2Z`+0!>(/:%J
M;#=\0`=O>55Z,K<;!LW4%NQETDS0![OS."D)BZ-]L']]I_]<7GYFMP+O9E]T
MT_V/;@68-<KP[NP?V`LLW[N;W2VQ&UZ%>R"$^&0YQI\?__XWA'X-O/-G75]>
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MJT$.;1>XYN(0;&@YZ=1V69F="^6Y-P([R<%.5LFQU'P06,,,X<BP3H%+S?B`
MT1,L<*7S`(/$'(]N@[G+GN,9]>1,!PP2<SS`VQSI@-&>;A4>:F03V\1,SXJU
M8#4SB*W6RQ5&9A?;`E9TD)C>`7;F.A3CY0655KN)^1U@9G9FJA,Q&9XBDIF8
MU`$;FIV9=48G@\1DCB#N073"@V.)"1Q!RA,XQC^>3$SG`/\*^C"25`L,$K,\
MH$>S'2G+F1T8IF9^0%)3>9I+4"L[@1Q6F?!I&4MSEFH=Y2FMMTTEPH_U1,Q;
M.USFNN1VP]#4-,]1AIY\I#7`40DP_7&YJDV.E3G_$7B^.7M[O]!=0FG:$^"2
MWA2+?@W+HUD9N&7:^#RZ9J^4O>.N*)MWT,)O]L[$*^]SC&:.93FO!`:(%3<C
M+UB0KY+'>(@P&9F+)0F4]@ND"ZXJ:16.C98N]O6?".NN35;BB7W=C*!SA1T/
MV8Y/?O<(MPC@ITCWPN%V^Y?K."[AC+Y&Y`M<O'1<LAV1[T"$;Q0A))AF1?^,
M?&NUX2%"Y]OD4;0\%S%S7+8*D2_QYR[&2+>GR*:-]1?D&W,/87LJF,`B'TY4
MF\\T-])Z(M]SN7^U8KE[@6)+>\8UH1I>JWVW^E#L\Y&R"K^SN4=BZ4L/7ZY^
MB+<JV6UFLJ-E=Z^X*$KN!M&YKMNLGU]&T4\R(R?E,D_>R=GY^K4<'L6^3_&!
MR)6L'I]I+3729-V]7$D;>*ZJ0[FFZJT6)`+.OX7>P3.=>EZT=U%6<2\KQ$=!
M)5I\\@Z+SB\6.=^0$>YI`P25WD3LP.35"T2@]TODH3PP+^);Z#Q\3G0>Q&@D
M8%)V)GVG#EY6'H&^Z8:^$64S10(Z[M^?Y5<T0'.1-)=!<13;=O@;8XKID[<;
MO.*/"M64D%BAU/KY05#4".?\QKW!<IQ_B+<D2K/K;.&A5TL0J.:LSPWV#-=<
MTL,:'JG#'.K^])MI6?2H*5<3L&H4OV!^[AH*?NSD,]6U-=8I;9C?0*E*!V;H
M6\06P\7/XCT!LD0.(<.^,YJS;O'Q`-MRS7+=$V%@!@A5E_E81*@XNH:-.@KD
M,.6T4C]-_+$?/]KN#&V3AJ25GEX*5,6YAK+T-:&*.'I\)?LNT;.T\\#J"(X2
M^R[7ZU0V#2F@@BI20=(@J\!"0`GQ5$+-/?<Z4#-`EFX3!]!@Q>PIWG7^E_8/
MO'1?%+U@R7]OIWI"*C?VIMK#!0@":D_-5LCU2&'):R]5>6C57DXDZD-U()]W
M(NSQTLO!N$#N%)C!2124WCCK)(L.'H]7Y#DE<$`FOZFQQ^'7CN?3.V77NCM%
MX:53Y&'WQ31PPEVZ;KE=0IF:7R.*/4)J:AI$7"86^"XSWP6FOP11NLN<E\]_
M!5Y+(.6IKG-O9\D<"@CR$3GGJ#^A;C9K7<(A`<K_;K,88@HM=1`,@Z(WHJNA
MI*1>=MUL:\WI9PDJ269("F1_9=%)+80V(#E[U>2P4N366PG0`.B"5N9Y%C$&
M<`M:."AFT64TO4G&<#1Y)CG].6]+K;0&ABG]"3?]O`)K]9-E;M[MK6X06LXK
M(:5N+>?Z^X17Q'HDTHZ(VST2>R7I/%Y__W#5#C)MPPJFM"6B^ZJ[4X^U?*,G
M#=,IGM*_LB\:@>MBVWB+=Q'D$.]N5GB1$.):YOK'#96W!]#?%&R(N=TF=?.4
M33_.S=_BW<2'58Y-C;CV.6+:@0;^44/3FZB=XV[7TN^.O>GT6,6HA7"WFZ:G
M1XE;F!><QI[F)^`1"NP-*!!'@M0)H=GAR)T$U5$@=;HFYZ;3S13(O=$GXIA1
MY;#,6IE!;,\C/9R_F]&C^?"+]]'!?,[)"N*X4>4@S(YRX\KSL.^M^W7?F)YA
M.5[@X@T7=B8=7-T_WGW))@;KQWYZ^X9U^E2Z\R\N_BN@OEAR?_/8)SU"3Q=3
MUVW=\#PS'0YN+._^1[VD_=]@0U..`:\)^S<,VI^%NIJ88(0$)7$)'"F<>?])
M]TQO:]^?21RQ(#)Q-UM_(V'1.[+T']TUZ5I7]V39,DSL?7J[MG3/,V=F*%QW
MLW"!6V],_/+;;RY9AOOV"=N8?-LD/QXE^/CDXS!R%.+6*9&DVU3_ZNBV=V5/
MOQ+*X.T/_HB:@(=]<S:<4($3J9Q0Q\H^*S+3>9<]]O,#=A<W^"G&`0TXD,H!
M93!,XL"&E+DT3Y^SUFT;M4=:59IG`)Q(Y82V5CRB-,\0.)"N><;C/)HG86?>
M_J294>K</6&39OHL.[V?1]W*Y2JE4]AL],/>@4Q\_,RYTK_HK]^RG]CF]<Y5
M^I3;X(P#;Z!<1XSM"??]ECFY-*F/1VQA!/^.RX3K,B`AITO?G&EXT!?3UFTB
M6!8*`P26+=_\\2N12=-B4DQK]EV3#M?QT89V"5EN>6F7B2".*W1DBVG/''?!
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MQPQ:EW(7K7/(Z(E&?F>(Q&7XV:'OGJ*G-_2OJZO?#K@+,36JL^F`(H%;U7B[
M,Z&[2.Q%RM5S$.PRW&`CXL)^7R">7!"K;L5R>+]M*<?G2SM^<7(Q2K\T)<M8
M0EG6,1;;A':<9[+41-PZ)BEK,#*-1E1&?8$UHODG8HSZ)5T#8:VK*V-CL3US
MNLG58=1DMC@9;[HF*>TU>;74.37]*MK'K-["1=K"Q:6,/2DV]62R?6.<DT9,
M:P"O#4.V50+N#&7SJ_54=_M8A`[,L%$9E2``)7S:5_R"K0WY<O5.!LQT&#,H
MUV5?@$J7H9)KS,^.8P``:#0`P!$!H(`C`I@!1P2@4C]4ZL_X<)_KQ377<RRS
M&E:X)1RF5)3GV3X)*$'8#&@<YS@(4,="YY1$C\]\)M%8M07\!?X"?X&_P%_@
M+_`7^`O\!?X"?X&_)?@K-JJO)U9/0LNM_8(]GQ:+(X\6)[,:YOU(7;8IB<+3
M`\)!#:H(>`&\`%X`+X`7P`O@!?`">`&\*!I^;:V&^^S`3,?BD^@8.E]8(O#L
M^O-?@>F_Q<*Z/)"I,L#*<+VJPL/J7"WU^0!?X&Z0DFOB5STZ+]-.^"M!P!W@
M#G#7,MRMVR?D'CT+&`0,=A.#+8-<HQ&6;$S5/L`(8`0P`AA)`",P;P"HF@`%
M><'RY&8MS3=90=;%S*&CH%J4'Y04_=G"A_[9J#^I5*\".U+8H57,C+;G$1H-
MAOY9OY?0G1C@T$TX@"O<;A0<T`'CB0KVN2;J:VH3]"\(&A=!&XRJ%31@=@N3
M`/GN9D0$D+S'9G)@OYH&L%_JT[D+'$+96/P2DZ`>*)4ZO6-5-N\'F`T13@V!
M+\"N-3H&P-9AL#5-QP'*Y$)9(JA&O6I+8(&W,L:JH#``5)(J#(!2:Z$D62Y-
M;(O8FK-NK%5Y-!:RA/C6V>%44L&KO;-PI4'(H"&''37$O`#A9D!8&S3A:!8`
M#``^J(-5R#L"A)L,84A-`')E0^X!73M21@!0`*BL`.WW.WY;$N`I,SR)KSK2
M`*``4%D!VKPD=#U)Y4Q^_5=3?S*M`]VYFY%EED>FVM8S4LYT`/`;^`W\!GX#
MOQOI,@-[@;W`7F`OL!?8VX*16T(S0'"M$ZYU2IR>RW9RK/:'#4@GUQ`+`=B@
M3`%@UPK8@8X#L(&.@ZL]C4!9L@93X-`?H%3Q`3V`"D`%^@F@)*M^DJ6`*!^M
M58F2C.$M5FM39917AH5N79:KKSF7+?L(K4K()%M45B0%(';[#4T9@'2!='&.
M*4#.0,Y`SL"*@72!=($5:W+ZHR5B!5(D-O,'H@*BTD%1`?L"0@-"`_8%1`5$
M19J3LW>^_F3A]6]3\V7U\W*U+,NT\7ETKJ;VV.K?K3Z4]/D81?X(/-^<O;V/
M/T)1M\]UUA7F@;7ZR3(W[_;\B`F6\TK(JEO+N?X^X14+W7TF9":LO!R2%T2_
MALRZ5$O2?+S^_@\\PR[R'?3=\?$^D<L\>L#W<3/'Y?M`?X[13#==]*);`?FT
M,T.F_8(]?X'MO=G2*PJ-$5U'PE>GZPL.41M=]K786>09<FRDHUG@TC'5:&IZ
M^O.SBY]U'T_1D^Z9^Z>5979WP?5I">)GF>L?-T@O+31I#XB)1&]/)*B0I+PA
M_^85)2G3PI8UQ8;C$EX[]F5@$\;3]ZZ60TW)96_][B^FK=N&J5OH:H.*S1]C
M'3'0M>ZZ)L&"[J,[!I&'N6ZC+Q1F_Z$PVV=!>:KUA%#M`"GX"#![0_A$TR;"
MN&",0/J3$_A,,*E,AG_SL3&WS;^HA`8>H:QILP\LL.X%+F9B3B1WMN9&3'`W
M?XR),#(V+&+#YLGC"(LVFN`,N5OZ5*,RO]2?R5='O8U!4]ZCD4)?35=S9=L!
M><T/O'1<_R)!T#)QN;!P,=>G#$8VCQ=E;:5!\`-5^XY%++=I/R/F:5`];EB.
M1QY&F4FLA[E@&IV!@B_<&<36]N?:62QU^VT-JM%[+P^4"7)]I+L8V8[/>9TN
M_BLP7<R,YA,7IR+V\)@(;N2.[RM"0^U2!\"EC.9EG&.O.",,H@J`[U/O\=+'
MBR>B@+0>[_7R?9[:4_J<F<;W<51P;K`145,1L'^-[Q,3+$>IYSWLN[A$ZW@X
MIDY,V_/=@)I1CVF2E?+SJ,00$>6[H&#I1.9;=__$/C(<>VI2,Q]JN25V#4R\
M[RER3>]/#^0+Y(NWQB9+CDP;P:!-O#KF0?X13)_I#Q?$7P_EXYDXEQ[YR!NS
MK<0"F@2I1A@;AF)$Q&H6^.1C<1%C#XC]8>4@1H:>.)]V]#P74TMNO<7<C:<W
MSNQ>!:?,TR&KT!=.0`5]2?9&=HNG^P$F'T\P=*NB[VR23Y:^]/#EZH=X)726
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M1?DD0EU7`%CE`/N*7["%%)%J0QB7Y&(2P.L@O%308``QL1#;S_EFC%'VROL*
MA2C<,T35!2>[=2JYYK-PBAB:F]F0+]MV?!G]G.JOU!Z!M:55<[Y#B#Q)]VKC
M?:`Y'Y$">@/&I:)Y7O\JZ4R6YTEKMOY8DT+(F`AT7K[L%O'1BK_7N6G,6?TI
M/;5:%>7(F-85Z@O)Z^'4]G2MP.-E5)U-I0]@![#35!,IEI1K`ZRF&>!QD7VM
MOR7"`.._Z(4,8G3UY=)U?K(*N[1B\Q8+P*[1S9#DZW1>H2F*J&TXW:=/D71T
M9ZP\9^(DH$?,$4QC*)2WEW.S#7V%3U]7\):M^^5G.:YU;\XN!QCT!WI!@+@)
M]%),ZQP%@>=/N9I@E/=*!.X$J4JNO(STTBB2Z[DHQ4=+2\3ZS@M]V]C?`\GO
M*.M+"WXAAUFVR;F`N2HQQV>T3/ORCMT.1\+>0;N=0/;0(49U/!56'9WWA=H3
M`/7'X`9UU"3E9'WGA;YE["_>$AJ40'M04%X)2'AZ`/RO."[99S#4#&:O&3S6
MJ;)U5KK!10SM.?9L&W*@K$`R]$CH&,A25@!YO';E\;XZNNV=(1NG-M[IR%5,
M:5WW]F3MAOEF<4+Q)L2'U2"-DTH3<^!AP%EI(S`'F4E`01D4-",6`2CP,D(0
M:<D>:;4X[017G;-J%;@%525]`#N`'5&I2B-[M[6<QVZ5^12)8_V@D5IG[617
MV`"J%<RRK+0![,@=US:_X"8^5!,Z=37`++=&EMN&&["3@!U9Z".;G11+2@,Z
M=35"`*"2)=/13N77\%L5Z<,AHBBD=5['M(S]4%0"*."A!*"2I,G\;VX;CG8E
MWQ*OO+7./,,]-PGNX;0-.7#/33+T2.@1P#TWR+[M>#XMSK2!F95`#;0-.6!F
M)4,/F-F#9K:6]BMR9#&2HWQILGL2WE6_QJYOSDQ#]\D7G1F:XJ7CF?L7U\7<
MP9S6W702CG\Z=\8X@B-&23'6LNQR/J`UPD,&[L,)(Z"@2AT@89P#[)?T@#':
M]Y/C^\XB:7AX]"_AEU31\9_0Y>36>+*L9AW-"5V0X/YF]O.YC]T%B1:?"O4X
M$[MWZ:.\2K$H55188N=R19&#(CW7&L!W`#U7T&NE]RZ;2S,HUB*^8HTO9\NX
MUHA`$3>]13)0-K:7Q1=M&2J[#<KJ%;.8W$1KX`A*DD/N(^O(]6C?OK-,HAK]
M\XID^4BL5)0EJ7OA1:U&@]:]FWFI>^G%.B/*LOC"BKWNE>>M%ZQDV0(J$9M'
M[J:N6Y-JX44*ZR19>B>42I5H$5*DVCR2-W7=#89*I9I%:"`*>!&!%X[GW4?W
M*4T,)XN&DRC&DBIFDL==D22FV5J&@6T?N[F"%'YG+]=15\8C.;7UA3PE=B%/
M_2<W5F30>@TYA\VP[TK-6JUDVL"FEW*14^VIU5$PB[2M%B1$X!S7Q=[2L:>T
M%^H7>E_T/_2^*+I:.(&=6O4CL(&\V/"32\/Y)&*J/47;3X&7R+Z'.S=]LC4C
M^:SZDVE9IF-["4?6]1>AR^(P%ZA)DL<D_B?O]6VI]3^_L*;4PJL[14MBZ8-#
M)+K$*2YW9T:HBRN630"PI-)=_((MI(C4&L*X)!>3`%X'X:6"!@.(B868QK.>
M)'_\P3V35,>HJRO/PWXM4ZY:G29KVLR,^FF=6WD)/P]O/[[EH3E@'##>-IK+
MU@71:'R[8)TY*S"F:^-`--CEJ*[-6C-59U/I`]@![#351(HEI='01L%=&],E
MM*N=C&UYQ-69-$41M0VGT*JX3N(THX57E13JEJ&O\.DR=A/6O3G2;>+OT!^(
M\V`2-P';OM<Z1X$?S1K16C?QAK<R@;Z6!WC:F#Z&/!C;-8%M.',K;X`-C*V$
ML6HMO6;%=-K22W;:`D3Q0%1SYV,V2X4UR\F_8R,Z9SM'<WOH$*,8GNJ>&-(8
MU=/8L**?KY&9]-(-YJ088[LFL,UF+LR[:#^/RPNPA+EPX&[CO?W6E+?1HC83
M3Y'N(X=YV?Y<M^&\7<KS=HE.Z.``'`[`92%.,XR^+`?@B@J9L?9DQKXZNNV=
M(1L7&HI44M^VJOX+\F#OT1`FU<JQF8;'=3EQQ$D=R3F!!Q`%N3[@L5@>-R,"
M`$9G,P^RY?J:I4ZJB%]:G,J!BZZ0`I21/H`=P(ZH^R]&]FY4.4^R>+@0[+?L
M/::^FOJ3:9F^B6MI--6JA$9S[617V`"J%<RRK+0![,@=US:_AL7:V/K#?9IJ
M<`+`*H.J:Q1NP$P"=F2ACVQF4BPI#6C3U`@!@/*0]VC8@_(0*3;3]/._?#CJ
MFGYH-G.A4J/]/"XOP%">(2]WX5:6'!FMY*M9K;.<<"&K_IB[;<"!"UEP(4LF
M"LEF*"&GE62&6YR^`B,+1E9Z+=EN\("1!2,K28)"HK2<A'>JK['KFS/3T'WR
M16>&IGCI>.;^!6LQ]PVG=;<;A#.7EAW;P:5N.3;3\+0PM%)L+V_AT*[]/(9.
MBBUF;K5G=M$VGQS?=Q9)(XZC?PF_I(J.JH0N)[>VDF4UZQA)Z(($=[>RG\]]
M["Y(#/94J,.5V+U+'SM5BL4Z8ZT2&ZTU-AL,"GA;#>4J0#JG>R$6U"+=D4$Q
M9[-B;2UGP["F`KR(`]U<A)>-F&7Q$IN-N4Y!KGJE*B;B;RK80,$=S2B\\_4G
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M/EQR$"B#BV$G0:",+\9@;5.L`U_B-,-T<WUH,_V`IEKBW\@FL$U%C4B93H1O
ML71L\@<J<099BK,@S%B%@8B(*?%%T'5<1#_IQ"<Q,+J?8^J1)$33&T*\VT2^
MZY@Y8>_Q,'IGI-.[998'I!*/!LTI;\A/3459)G1R9<N:8L-Q=9_HM\O`GF*7
MOG>U')KON>RMW_W=L4FL&;@N#4B_4+_H/]0O(G&H[@4N7A"F)+1[*T\.I2>$
M'LF;?&#H62QU^PW-">(,[/JZ::\&-OISW4>ZBY$7//U!1`OY#EIL]D]O"V\\
M1HI&'=DQLG&0;[;VE672/9,`^HM#;R<3,8E6>9:R)+*5)79-9^K1+7CXKX!^
MANR"/(!\R+1-G]Z$)BMVGNG/9`NF1]L,6:;!DA(F+<FF7A!AR)1^\8G\C=#+
M=/$T0;9*;?`F8%BC$LWWP399/%J0?YE["!/83SDSAN_C./L"L2=S,6&QYW$R
MX'%24@L^W>#@#>MNR#+N(?GV/GC8XBU*^S'-,C6G1"_X:,[W)?H+40'D\;0=
MF$O%>"686^J+6'5,!/RO@/U+*,&1PIAN:XL$GV%SDAJEBW]]%WCGS[J^O*0F
M@5F$&],S+(<^SWL@NOZ3Y1A_?OS[WQ#Z=?71>V..IX&%[V;K+UVQ%5[9TU@+
M\<BR3._L'RL-^HFJO`>JB=:/1N;TP\GMS>-D-#ZASCFU+S_P[,/)EQ]WWQ[_
MK=L]Y9$"\_'A[I&(DM8+?_ML^Z;_]ACFW?N3H7KR<2<++ID!WS5820<'U'S-
M'(NX;DQ@F,;V@@7Y*GF,%\?@^H1A]-Y#L]W!Q%3J9HE],9*1$IJZC7O`+-,9
MHK=XGAWZ;A8Y_>OJZK>M]]+O,N<#S4WLZJXQ?SOC%TTQJB51281"37H//[64
M]'2>RC;Q$(I3I'_P!3$%+I0+0HDDF,/<S%#2\Q-&-.SI]RU%F/'X,-([X7<V
M9ZB6OO3PY>J'>*'S;BGT9+<*.?4LFRCAI,-=^N?HF+R:`HX:US&>;)4;\%[)
MZO&9UC(1MXY)RAK6?2\4):WQQ:B?:WGY2@BVMF/0M(5[K("[SZ&$8"^TSVPN
M9&!CL3USJG'M,&HR6YR,]U>2E+:1J2=<KU^D6"HGZ-9OX2)MX>),G[S=2*Y$
M_18>&W@)!:GI0L=?(Z9U`M*&6[>*Q(([2U754%R+H0>'\*L2'9AAHS(J00!*
M=/4)OV!K0[[]\`0P`YA)P@S:KW`#J`!4$J&2ZF@=<0P``(T&`#@B`!1P1``S
MX(@`5.J'2OT9']X)1KZYGF.9U?#H.M>\:ZYYGNV3@!*$S8#&O28U*4M1Q\5/
M1S(L)7I\YC.)QJHMX"_P%_@+_`7^`G^!O\!?X"_P%_@+_"W!7[%1?3VQ>A):
M;NT7[/GL'HQ'BY-9#?-^I"ZF%YE>N!>9\/2`<%"#*@)>`"^`%\`+X`7P`G@!
MO`!>`"^*AE];JZEG8NQD6&!&WT3@V?7GOP+3?XN%=7D@4V6`E>%Z586'U;FZ
M]O(!OL#=("577]AZ=%ZFG?!7@H`[P!W@KF6X6[=/R-WY'C`(&.PF!EL&N48C
M+-F8JGV`$<`(8`0PD@!&8-X`4#4!"O*"Y<E]0YNS;[*"FP$%+<H/2HK^;.%#
M_VS4GU2J5X$=*>S0*F9&V_,(C09#_ZS?ZP$<``[@"G<!!0=TP'BB@GVNB?J:
MV@3]"X+&1=`&HVH%#9C=PB1`OKL9$0$D[[&9'-B[YHM.IQGME_IT[@*'4#86
MO\0DJ`=*I4[O6)7-^P%F0X130^`+L&N-C@&P=1AL3=-Q@#*Y4)8(JE&OVA)8
MX*V,L2HH#`"5I`H#H-1:*$F62Q/;(K;FK!MK51Z-A2PAOG5V.)54\&KO+%QI
M$#)HR&%'#3$O0+@9$-8&33B:!0`#@`_J8!7RC@#A)D,84A.`7-F0>T#7CI01
M`!0`*BM`^_V.WY8$>,H,3^*KCC0`*`!45H`V+PE=3U(YDU__U=2?3.M`=^YF
M9)GED:FV]8R4,QT`_`9^`[^!W\#O1KK,P%Y@+[`7V`OL!?:V8.26T`P07.N$
M:YT2I^>RG1RK_6$#TLDUQ$(`-BA3`-BU`G:@XP!LH./@:D\C4):LP10X]`<H
M57Q`#Z`"4(%^`BC)JI]D*2#*1VM5HB1C>(O5VE09Y95AH5N7Y>IKSF7+/D*K
M$C+)%I4520&(W7Y#4P8@72!=G&,*D#.0,Y`SL&(@72!=8,6:G/YHB5B!%(G-
M_(&H@*AT4%3`OH#0@-"`?0%1`5&1YN3LG:\_67C]V]1\6?V\7"W+,FU\'IVK
MJ3VV^G>K#R5]/D:1/P+/-V=O[^./4-3M<YUUA7E@K7ZRS,V[/3]B@N6\$K+J
MUG*NOT]XQ4)WGPF9"2LOA^0%T:\ALR[5DC0?K[__`\^PBWP'?7=\O$_D,H\>
M\'W<S''Y/M"?8S3331>]Z%9`/NW,D&F_8,]?8'MOMO2*0F-$UY'PU>GZ@D/4
M1I=]+786>88<&^EH%KAT3#6:FI[^_.SB9]W'4_2D>^;^:669W5UP?5J"^%GF
M^L<-TDL+S4IB?WT7>.?/NKZ\O#?F>!I8^&[VA5#\/Y3@5XS`5_8TUE#B&]:]
MP,73._L'Y9QKVL^?*%$?J#YX(*OY9#G&GQ___C>$?ET]>OU`\FS3UFW#U*U;
MV_/=@$+`^XVH2>,-F=,/)[<WCY/1Y`09A`+D641J/IQ\^7'W[?'?NMU3'M6>
MTG]\N'N\QTNM%_[VV?9-_^TQ5&G]R5`]^9A#P<2D?[(G_51G;1%3*:V$%67S
M%FH,V3N2M/(7/E+(WI?T?-,F\K4@<D2%Y<D)?"9K(M]X[2R6NOVVMC:C]QX3
MZW`-(M_L8V-NFW\%"74*'-]"%9;8YZ]$1^A;8DI5Y'O6FQ'ZEIA90(M(<2'=
MC]F4T.ALF1FA*YJ;V-5=8_YVAMPMET"C9FNI/Y,'#L<;GTRAHQZ$KHC85*'"
M1VA[9=L!X?0/O'1<_T+HZU9^EE`980Q3U`W'1+YM/!*ZESC2)CVAKR)(VT,#
M<_/TZ=2D5H#\-=DNQ80S>DB2-8FYAAOU8F[\C'U7;>,/97:H=GV`-)<JD]^S
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MB?P>;0)@*J)-HTZ<*Z*)_`?/"4:I$&V*9.L4SFG9FI./2K,<U8*4R6]FU=Q)
M65EMHIH[A2JILE8Y'TCSTB(%P)7[;%I:)UVMU>/BG!GB1Y5&G2Q7I8AJ=;;R
M$J4BG59K,K$2FL36^4FW=-O`]W.,_7^Y3K`D'UY?#HT19<?%JNBJ9^_X5<^R
M-[\3+WI&W9/IA1;'LIQ7"A!VCY[>4J:T)0^CEULP6?&"W5>>$9)RNUT4OOZ%
M<FA]NSKI'LWF\DSL,N#FC_%+=?Y<]Y'N8F0[/N=UNI@X>O2^GN^@)WZ7\L*'
M&SK![^Y=0+ZO"*^ANVM-P.OJ>>P59X1!B./]O?"I1.)\IBV0QNT^V&J]?)]'
MM0)GIO%]'!4<HN(C:BH"]J_Q?2*_RYDQ7:=O-7`@6L<[<$&/:9*5\O.HQ&!^
MMY##!05+(I94\1'=_"?VJ?4)[QZ&6FZ)70,33VB*7-/[TP/Y`OGBK;')DB/3
M1C!HZ\^8M4'Y(Y@^TQ\NT$,D'\_$T?+(1]Z8;246T"1(-<+KK:$8$;&:!3[Y
M6%S$V`,.7YA%AFY'SW,QM>366\S=>'KCS.Y5ZQ7FZ9!5Z`LGH(*^)'LCN\73
MM#NY9;H*A6Y5])U-:R5+7WKX<O5#?,Y'EDD@6QVBM/`#V3M$Y>J#I>V^/J57
MU:CX%.;C"QEE'[$MRSJ4T5#HB.SU\[.M1A&[&"7'6F3A4+_P,@RJ-=STA?0K
MZ_U\3<*(-Z+;]I78UM[7$X24V`0A]9_<>).A@=PN<XH1143_P;S[SM=HKRR=
M#C&RES(+2NVIU>TIBT"L%E2-3#@N,>Y+ZE<3HT]S0H@EA=`5L_UIT$B;S*6H
M::.Y^FFCN2;")ZV%KZB$O-0GY^'FKE\8DL+TR5Z-Q#>>?C(MBT9(O^01ZY5=
MJLB8B>%K09,F2HZK,VS_2<R'M42+;[OQ<JU<$V>HV=2^(B(LRB<1ZKH"P"H'
M&#MI0HI(M2&,2W(Q">!U$%XJ:#"`F%B([>=\,\8H>\WK"X4HW#-$U04GZRZ'
M*+QH<EE#Q-#<S(9\V;;CR^CG5'^E]@BL+:V:\QU"Y$FZ5QOO`\WYB!30&S`N
M%<WS^E=)9[(\3UK7_IN6ZK\50L9$H//R9;>(CU;\O<Y-8XZ,Z-1J590C8UI7
MJ"\DKX=3V].U`H^7474VE3Z`'<!.4TVD6%*N#;":9H#'1?:U_I8(`XS_HE,N
MZ'2+Y=)U?K(*N[1B\Q8+P*[1S9#DZW1>H2F*J&TXW:=/D71T9ZP\9^(DH$?,
M$4QC*)1FZ+/6)S?'T%?X]'4%;]FZ7WZ6XUKWYNQR@$%_H!<$B)M`+\6TSE$0
M>/Z4:\1S>:]$X$Z0JN3*RT@OC2*YGHM2?+2T1*SOO-"WC?T)\SY!\CO!^M*"
M7\AA]H)EN<TE5HWK">7BL3<!YB3!W+KU@_8>H=2]=2OOV.UP)&RHO]L)9`\=
M8E3'4V'5T7E?J#T!4'\,;E!'35).UG=>Z%O&_NP>"2B!]J*@O!*0\/0`^%]Q
M7++/8*@9S%XS&&N3Y["`P)_K-A0Q2%G$T)YCS[8A!\H*)$./A(Z!+&4%D,=K
M5Q[OJZ/;WAFR<6KCG8Y<Q936=6]/UFXXK#I@!Y!U,S[,B31.*DW,@8<!9Z6-
MP!QD)@$%95#0C%@$H,#+"$&D)7NDU>*T$UQUSJI5X!94E?0![`!V1*4JC>S=
MUG(>NU7F4VP.X6)#V*"16F?M9%?8`*H5S+*LM`'LR!W7-K_@)CY4$SIU-<`L
MMT:6VX8;L).`'5GH(YN=%$M*`SIU-4(`H)(ET]%.Y=?P6Q7IPR&B**1U7L>T
MC/U05`(HX*$$H)*DR?QO;AN.=B7?$J^\M<X\PSTW">[AM`TY<,]-,O1(Z!'`
M/3?(ONUX/BW.M(&9E4`-M`TY8&8E0P^8V8-FMI;V*W)D,9*C?&FR>Q+>5;_&
MKF_.3$/WR1>=&9KBI>.9^Q?7Q=S!G-;==!*.?SIWQCB"(T9),=:R['(^H#7"
M0P;NPPDCH*!*'2!AG`/LE_2`,=KWD^/[SB)I>'CT+^&75-'QG]#EY-9XLJQF
M'<T)79#@_F;V\[F/W06)%I\*]3@3NW?IH[Q*L2A55%ABYW)%D8,B/=<:P'<`
M/5?0:Z7W+IM+,RC6(KYBC2]GR[C6B$`1-[U%,E`VMI?%%VT9*KL-RNH5LYC<
M1&O@"$J20^XCZ\CU:-^^LTRB&OWSBF3Y2*Q4E"6I>^%%K4:#UKV;>:E[Z<4Z
M(\JR^,**O>Z5YZT7K&39`BH1FT?NIJY;DVKA10KK)%EZ)Y1*E6@14J3:/)(W
M==T-ADJEFD5H(`IX$8$7CN?=1_<I30PGBX:3*,:2*F:2QUV1)*;96H:!;1^[
MN8(4?F<OUU%7QB,YM?6%/"5V(4_])S=69-!Z#3F'S;#O2LU:K63:P*:7<I%3
M[:G543"+M*T6)$3@'-?%WM*QI[07ZA=Z7_0_]+XHNEHX@9U:]2.P@;S8\)-+
MP_DD8JH]1=M/@9?(OH<[-WVR-2/YK/J3:5FF8WL)1];U%Z'+XC`7J$F2QR3^
M)^_U;:GU/[^PIM3"JSM%2V+I@T,DNL0I+G=G1JB+*Y9-`+"DTEW\@BVDB-0:
MPK@D%Y,`7@?AI8(&`XB)A9C&LYXD?_S!/9-4QZBK*\_#?BU3KEJ=)FO:S(SZ
M:9U;>0D_#V\_ON6A.6`<,-XVFLO6!=%H?+M@G3DK,*9KXT`TV.6HKLU:,U5G
M4^D#V`'L--5$BB6ET=!&P5T;TR6TJYV,;7G$U9DT11&U#:?0JKA.XC2CA5>5
M%.J6H:_PZ3)V$]:].=)MXN_0'XCS8!(W`=N^USI'@1_-&M%:-_&&MS*!OI8'
M>-J8/H8\&-LU@6TX<RMO@`V,K82Q:BV]9L5TVM)+=MH"1/%`5'/G8S9+A37+
MR;]C(SIG.T=S>^@0HQB>ZIX8TAC5T]BPHI^OD9GTT@WFI!ACNR:PS68NS+MH
M/X_+"["$N7#@;N.]_=:4M]&B-A-/D>XCAWG9_ERWX;Q=RO-VB4[HX``<#L!E
M(4XSC+XL!^"*"IFQ]F3&OCJZ[9TA&Q<:BE12W[:J_@OR8._1$";5RK&9AL=U
M.7'$21W).8$'$`6Y/N"Q6!XW(P(`1F<S#[+E^IJE3JJ(7UJ<RH&+KI`"E)$^
M@!W`CJC[+T;V;E0Y3[)XN!#LM^P]IKZ:^I-IF;Z):VDTU:J$1G/M9%?8`*H5
MS+*LM`'LR!W7-K^&Q=K8^L-]FFIP`L`J@ZIK%&[`3`)V9*&/;&92+"D-:-/4
M"`&`\I#W:-B#\A`I-M/T\[]\..J:?F@V<Z%2H_T\+B_`4)XA+W?A5I8<&:WD
MJUFMLYQP(:O^F+MMP($+67`A2R8*R68H(:>59(9;G+X"(PM&5GHMV6[P@)$%
M(RM)@D*BM)R$=ZJOL>N;,]/0??)%9X:F>.EXYOX%:S'W#:=UMQN$,Y>6'=O!
MI6XY-M/PM#"T4FPO;^'0KOT\ADZ*+69NM6=VT3:?'-]W%DDCCJ-_";^DBHZJ
MA"XGM[:2937K&$GH@@1WM[*?SWWL+D@,]E2HPY78O4L?.U6*Q3ICK1(;K34V
M&PP*>%L-Y2I`.J=[(1;4(MV103%GLV)M+6?#L*8"O(@#W5R$EXV89?$2FXVY
M3D&N>J4J)N)O*MA`P1W-*+SS]2<+KW^;FB^KGY>K95FFC<^C?(/:8ZM_M_I0
M[/.!M?K),C=?]?R(AI;S2JBB6\NY'J?9'X'GF[.W]PO=?294\IWEY9"\(OHU
MI/6EFIUD,4*-U]_Z@6<6-GP/^>0CJ]-![V*?1);):0^],GM(9/MF-[>V8053
M\C'=,)S`)MMRL8'-%\I(=&JR?Z67Z3?%4>Q0]%IWI^@;7CQA-_8%]D][A"BS
MO'T57^9IPPN5Z_/0DVE9IF.S"=02[WMTH8G9]QQ;4_3TA@S'9FI-]_$4_>?V
M,X$3?RS<XZ4?(D[K<7WP&=]UJCVESY?<%%XW1,K"S2O\U\L7'F=$)7A+HB/-
M%VR]_7+&EQCDV;YK&A1IQFKZ>WA!8F%Z!K8LW<9.X$43;AJOEW<4KT4[_DNN
M9M7QA=))/:LI%WPUTVKC9VSGUE8^7'(0*(.+82=!H(POQF!M4ZP#7^(TPW1S
M?6@S_8"F6N+?R":P346-2)E.A&^Q=&SR!RIQ!EF*LR#,6(6!B(@I\470=5Q$
M/^G$)S$PNI]CZI$D1-,;0KS;1+[KF#EA[_$P>F>DT[M-KCD*J']]%WCGS[J^
MO/Q"G(G_4%_BTUNT*+:F?[E.L"11W@-YT2?+,?[\^/>_(?3KZEML_O85<Z?6
M#[@AOI;E>(&+D3G]<')[\ZCTU,D)U4UTN21(_G!R=?]X]^61H%]3'BFX'C_;
MONF_/8:9AOYDJ#Y&KWB,+>P;UNEC%X3$GW3/]*Y^FM[Z<]=1<[<?A-XNH>W5
M@@:M":L*8],3%-AFN)C?[V].")L,<Z%;WH>3\\G)Q_ZXM_K?AD3IFPT)H_]<
M7K+12]^QO]F^UFO6]H>CV/;C6]IL<GTS^=8F3G=`%^7%.NS^#VVXMUH36X'W
MF38&NG.O-FV!UJN+44II&*5Z.Y3B2A?QY%:3R$T,O-:CY.YWE=P)(JPUC%+#
M'4IMBW!>!:[UF[7]P@H\-V$&PA769V+8*4[O9NMO2&+6AL)!P6_O&07B6O?F
M]/\1-6&^Z!;5)U?V]`N>8E>WO@3VU+MW2*RUH<&H0?Q7)@G\S[;C@M(Q;A!"
M>$N'>)^7HW34YO'U$WUC22'2<'>O+]Z[;A:M5U).H_V;5:"^(9=X[Y@?N>("
MG+2M3!M.='(EQ4>2MCZ\85HQ_H#=Q0W-CV\VG.C62KKA0=*.X_O*M.-$?U52
M3.?<<5:OI)_HMW+E^OISM_8R(&H*OV!+R;+E@N%*7K>U+]YM+4P")4F5%?%2
M<Q-%O+=:F"AJCQ-1,@M)HOLJ!S&X^.<#\4G9,AM,=L(3MI'HTTG#ITICB4&B
MPR852YL5,`S$9STE)&BZDSP0GPKEH1CS^OX#\8E,L=M*]G<'XG.4/+:5UXT?
M2.R_<?75!XD^F?"-JC4D#`?B$X:%M\HU9SX4G_(KO%&EI)N=S-IA/4Y:>=9F
M%=.A^%19]6):&-_BTVB%B:%RP+<@9W-8CV.5B6P-3_P/ZW'NI"%MNNL[K"<?
MF(DZ^;+<!_:7Z"S*(5CYCBV2G>%A/7F[3/OCDK0?2NP99MQ@LE\TJB<'IW$Z
M$D_84#V.7K8-B:F`&=7C^F7:<D6Y\E$]#E]>$HCT>4?B3U*E1X'XH]6J4"#0
M%1W5XVQEI5+S?/M1/=Y=S01-]WA']7B$>44QKR,_JL</Y+>M9/=V++$76,)K
M'TOL"Y;95L/NC`SB;F_A38OW\/AN>I!KTWF]O;'X5!V_*C*U;$Y_]9U_!;JK
MDTUC;WT=,D:2'>_ORX^[;X__UNV>$E+DX2Z5/B<?=_H<I=WQ3+W?2ALWI5P"
MS7_A55&6X=?.7\,G/A'*K%Y*&V]=GJN]"V73<`HAI/"X&9[\XO`=%VC#C81K
ML\O29.P)(6.<:KWU`Q_8O>#%4K??$'%X7DS:WB-LI,2+C/'[X>05/KU[[=AH
M:=&F(?Y<]PEX7\B_$;'R,&N1XA"'C=Y1?C7].5H&KC'7/?(K^?(T,'SOC%YZ
M?L661?]K8-?733OJMO*\X8P97GIVW"EQ`5W:H"!P/4PO2#\%'J&NY_'=X/Y5
M\E*/*XJL3)>P&P'-6QNYV-(96'P'47=TH1.//%B@)4$146.Z1;3OE&AD:JXP
MEP8<,0[,`I\&V4O]C44-%&S>W'FU5\AB?>5"`,\<RW)>"3#).NGU^NBZ?2A6
M!+S(=GR$?RZQ:V+;H+?VR=\]0G4VTXFL,<(^VR_Y9_*8#9(O4$Q(URWP1N\I
MQ$U&!!<;SC/]F5"*X#LN!!X=U3S3#PZ1E`KRA./Z=,KV<;9%0NQ18IO>G-'(
MP^X+^>%UCLGG&>GH/HEV>&(<H=TMZ)=UYL4@0E_TA,G7=,^QR0?8TYA]GR9T
M?Y!`QH85J_\0O+2?7HCHM1DP[9GC+D(!C"'3"XQY'&/<^KS$H,"YT4OLR5SZ
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MSV6<VE"?TQW^RI9G^N3]1C(V/H7M8[T$B``7*N/"MRQ<2!5.=5>(C@7814A7
M2)HY:K*'MR4[.%B?^\@#6C4%M/UQKCBP!(.RS"L<<\-U_$@NB5V)*3F9PGJ.
MT"PPP#`;=D9Y:2(8/B.!1$S,B(H7Z2;``%0(J!!0(>55"%\GJH)3"HZT8>4D
M[%36U5^PA9PE=MFI8F6IA.+S3RO+<(K2'+O1LTBM66+V9;Y]5S.',/O&4;]?
M:`YFHXU`4OY9$(KW\M0<=]Y&T";MLU_(H6D/0D'/2@W9C'I6`ST+>E8:T"9B
M=)P^$QO2J>P::%6N_[0QKK\85A8HA1`;AE=K,!2P%\(A5J"*I!D02V+(_A#9
M3N$)5)9PE34"G04ZBZ]+.DH/FRI/3N<CI2J3\_K@^*6*QL7L66S&6>S2VY,Y
M*4$GZ:Q0?U#("E6,<FFM5MU2U=Q,3C.$*#'#/@")$9J1!SO4)A'*F,!1BAVM
M=E>LP!!U28H2<U3#U"Q5+-Q[QVY8KW\K<54[L%8_6>;FJ]ZJ"MUR7@DI=&LY
MU^.$2FB(0-L?;#=$*-O_8'R`3#_PDC:3H+T]:+\(VZ$U2;H5-8Y(Z.W#[]51
MVYO`FM+>%);C^?0J)G;90N*]%6R!BY@BD[QS$38A8?58R)S1%;@8$6[Q:!9R
MZ-5(1SX-I-$4S_3`\M'3V_;6IVBIN[1#H\!%\&A?<G"#M+/&D78UNPUF9HZ+
MOF':[8BLXK=-IR2=?&@1-BR;(MJ[Z)D\V=:?6?NRK88P3Y@`:=7>A-Y86*T`
M_UR&+6.?6"<E^E#+0IC(H$D[+!B6;BY8RZ1XQQW=M@.RYB?3LLAW5EV3T(MC
M!0O:EF9?QU@F)R6PWQ5%E!*XM0TKF&(J"R(%/FQ/96TZCU(>4,0+?&=2RZ!K
M(N74AK$;@9]T2[<-C.[G&/MM8>AO+D&_2[Y+.,I8ZZ$?F`B:O252]C1)U"I5
M-BTA;LQ:Q9H$^0=:5JVU"-&#K$UK8ADPOP5S:9YSZ.$N)NJ1]J;RQ=I*`M8_
M'),\[X4H?*+%O50PO=NX8BN';M-\,J&1Y':GR7MCCJ>!A>]FZX_>/1'@A0Y"
M4O?)H23=)Z%O%O3-@KY98>P+?;-X+J:IC9DXIA2@;Q9_]D`#C*:V5(&^6=`W
MJSXZ@;)HE+*`OEG-Y!OTS6J#)BA1M2ECQR;HFR4#%Z!O%O3-@J8WT/0&FMY`
MWRQ0(:!"0(5`WRS^M(&^6=#/I;&M,3)M'/IF03\7F4";>*L'^F:!GI47LAGU
M+/3-`CTK#V@3,0I]LZ!O5A'7'YK00-\LZ$$C$\02[R1V&T^@LH2K+.B;!3J+
MLTL*?;.@;U:)3(C8I;<G<U*"3M)9(>B;!>U*:LGD-$.($C/LT#=+;$8>[%";
M1"AC`@?Z9H$A`D,$?;.*TPGZ9D'?K*1%0-\LZ)L%?;.@;Q;TS8*^65WIFY6Q
M+=9V+RW*2!?/L>V9+Y@H3&>!OQ.126JB-:JEB5:?^=+;(C!9BFBCM1>TQOMJ
MG2N3B_[&JU?VO7!>;XUT"KHF"NR9?//61E>&$2R"4`!9A0W:8ALZ_>IXWB\H
M9-\^?I8Y2;ZO<WI"")[<M^SJ[OH6F1[!&MFBR5R:&3)]O*"N/'&MY_H+<^B)
M1X2I4V,XSS9Y)+/R6'=MXD-17>03!^F->N`'/F&&-CIRU%X)*9&!75^GGWEA
M/IM#J.XF6,Z"NXT,=\15MA1CSG;IV.1]=)=LZ]15Y.0]Q-[KSUV,F;HAVR<^
M)_G,W$.8!`E3OB^";G'\2$G9Q7V1G!O$<5X@I^!TBXI>U`?1NTS1C;7VLMO+
M&.T=Q*L3H2FNO$6DT7+*F(!PRTE>T9=(`SXPG?4M5%6?J:I"<75PAJC(\<!?
MN)3P=T:H8HT5>-+@#-F8V01?_YDG%=H7>1.BGUJ\E>GFZ&!<'8XSI&JCY8C!
M\7?"P=]M&DDP[^-?Q+?P0E\-$V^-A*JW]@L),6BJAP";.!MF8E:LR=R>R'5/
M>+4>87J+J',;70>NBVWC#3V0*,R+DFY74^II)W?9:C*'^V*/I')SN%_^4"JS
M1/]&XZ\HY13&9;\YGN]BWW19`A=]PC:>F?Y&Z)D.:!7_.Z3/2X;AW(HRV^H+
M[J5"DI@0);97O<G_'9!H=N4+YA>L4N)R:)_7Y(%/KID)4V4K`M0J]6^6`EV1
MZC=?48`FEV5:K4<,:9#2RU?5R0'_:;`<2*6B!@*M`H#R,"A/E3-%&>=J!`FX
MK`.7JF2!FBHT4$.GV@!0*3\J-4TB2++%B-.3VD@1V:HU=\P@43Z81MW!)NI^
M+A9#=]#5+^FZ<_5CZO)+,@652&VR[UQ.NS>"RX?D+!MWUV5*VGN$@--<_#]1
M_AQP6K1,"Q5H:70V'W])(B_HUC:("^1A=#K%X4^_H&F`635W=*O!Q8:E>YXY
M,UFQ$_F75;E3A]TE\4Z0W*[-J:+)%^H*=UGDYDF^-C#-YLC*](/#(!-7F*66
MV+B?*FH%Z1")S#M-<OBQ>I%3BQTFT]KG=940*QN>154F*:W6P;C+;]Q!;;77
MO)_VE7Z'?"ZP\#)R17H+?TQ(4DW\]KR@AMAW9M-I&6#L-N4<3^E]H"T[#V8>
MS'S'=5<3S+S:'W:()V#E9>2*[%;^F(QP+6N0O<`YL>U"[`Y!V$EDN7V'X"FZ
M0P!E#Y76+6<_%J^]-+/5FK/:4C?@.G`]K3!"^G+7;-P?`<<S%4C(74K*@]=P
M%2U7!L=@[5MH?D:/708,_39C^S)@>'YCLLN`58N;A'Y;[=@06]XJBU?`Z_0U
MO1A=\N(YB6Q)UW$T'`&0:JG/!8<54-2%^U19%9%DUZORT3;OF*Q:6S+L]^C*
M+[M"R=-%;SGWH+5*'06I[M#G'O=0L5,UR3<UI0:!JL]XYH4YKZO.@'+^%OM,
M'0\*!`^`](8A771LDQ?I5<<VI]J@2+8%<-XPG`N-OO*K\VIU^:!?Q7T.66+R
MO?B+6X='5>S*\\A]SHA%\,I;EM]O(V#R&0K1>&E5&A_@(A%<Y$_6`UPD@HO,
M6?F,'AK,KXC[NZOY%=_II)TCXROV?.)2GGA(II3I%0C&5QR220/:G</XBAUN
M2V;(87P%C*^`\16@SV%\A8RN8)%:B1ML,']P4S2@*<PQW)_2!Q7#52,#9EG4
M-#9@J$&Y7P.:LW<*DZ?*66_2@V)FZ7$I?_:5+RZUR010*3TJ94[R\M:3?74H
MU5F_1*EA&&51T-.7J19`[L))I0?#+.3F<Q<Z-\`P"^"T=$?G$I=('M/:K>MW
M#>,LNM8*DU,M\9&+G&UK[]<$GD@X>1C:8,KH,G2V#>;IL(J4B$3F'<99=,NX
M@]IJKWD_U3HU0@PLO(Q<D=["'Q.2]'$6#37Q,-$"+#VH+PFXPBD+J4A8>06&
MOF.2(K>A/R8C,-$")EID\P$JKEZ&V09R:,YJ*]Z`Z\#UM.H(Z:M>LW&_/P:6
M=V:DQ1%FP_TT03,MHF$6X5D..&ZU0Z-=+:_$Z@Q-D=9`U(ZC5K7"$ISF5R9%
MFM("D+IS3:OQ#FN38-3&>U59-9$BUS6K?+2%D18PTJ):!,%("VF]*AAIT8T&
MZ-U&.8RTZ`K28:0%C+3H`LYAI(4T\9?HAM8PTJ)ZFHO,[Y=:.\PH*&0HI&HZ
M+Q74`2U2HR6O/RMZZ3#00F:TY/(*Q=NA0\N&@19Y!UH\S%U\;*+%?N/B4HYX
M2">8:%%$G1C0`1TF6NQP6[)3=YAH`1,M8*(%Z'.8:"&C+UBD5.+?@8T/^X)0
M(UPU&&"(14T#`Y2!A'>I94&E1'W9.P5*.L5"'4$!L_2X;&]Y=#(N^UH?4"D]
M*MM8;7U(3VJ]L43'^U+E@W>F6*R:0(&W#X,L2HB<VNB+5=*<U%??GZ'![1A@
M3`4PMNX[:1)Y/4=4<.NZ5,,0BJYUKRPH%UWJ?RPE"R2W.JWK40E,V#7H,IGI
M$IVFFVBF=X=)T,:1,$JBK28:5)($3"AVY*D5N<?=5!:`:9:`"9*9YF,2T$K3
MS/HXPP0(,-"@F"0WT*=*IS(98*$E8()D%OJH",#\!IC?D,V"5URXVX)._DU4
MC-66=@&3N\WDIDUG2&3V$!C<@ED,!5@+]Z@$35Z(QF='`QC`YZH=&S!ZX7"$
MU4\OG):\+$PB2]$IV"@PH`/F*K3(U6P2:+ISKT=+[TLKMP/;[)D)!;H!""5/
M%]W<VF8F<+AZV-;F\<G>4&\`(Q%D:Z`-(,[?;>#(D"+`<1-QW-[Y!@<R&FJ1
ME`:@6&X4MW%ZP2$]K&D3B0(?SLV*5]N%<05UKAS&%4@/F`:W%`>X`%R$)<%%
MPP4&%D@-%QA8P#G+7W=QQ6I@P7?3AGD%,*]`H+3"O`*QW);L-!OF%<"\`IA7
M`/H<YA7(Z`H6*5.XP0;S!S?G]9K"'$.UXL*B+I0?P/""AA1C:DJ1\@-),@L=
M:L?=*5">C@;0)%Y^5':L`OFT/X;[#O*CLCLESI,C`UY@<`$,+H#!!3RK:_KI
MEPHD-P#2'-I#JX*&,!8F%[24L<V=7'!,![>N\2*,+NA:V\5B@C%,K_MM6Z\Y
M"5D@N=F![HMM9H)LW1>/J*/6F>G=T051(Q\87M!2(PU*20(F%+WDIW;(50+K
M+`$39+/.QT2@E>89QA>`B0;-U`033;#:(1:`A9:`"9)9Z&,2`,,+8'A!-OM=
M<>$N]+7O>MMS8'+KF=R.X042^IC2<+CITPLJ])YJ+[V%\072>EVU8P/&%QQ.
M@JI*3[YS`%F``_,+#N-F*.'Y40-QT['[0Q+[FTU"37?N]_25*@[I1)$29AC`
M#(-J$=2=)@*2M7^'&0;M[)K=*1###(.6XAAF&`"*FX]BF&&0&/B\\_4G"Z]_
MFYHOJY^7JQ59IHW/H[!([;&%OUM]*.GS,5+01HSF[.W]0G>?R>8)@2_I`Z)?
M0Q*RO\3?H:@EB:,HFW=0B%[VU@]\F&,T<RS+>37M9\3VCI8N]MCE`MH(%\]F
MV/!93+.Y%6B$18S("5BCV*N[ZUM6-\&N"M)O79-_I>!@>?U[G_PGO*Y`/ASV
MJ*,ED>R3>VPIN+UP._[<Q9@MQ:8-?!<.:^"+:0-?OB_BO.YXN,CWR6><5TI"
MV3[?)U[N2^:2A_R%8(Z^L]$^EK[T\.7JAW@^8S?E,3F6\5"4$K?9C]N*U>,S
MF3FIUJ).A/8(63\_TVI&.>U_KJ7L-D]/6<<X;[_27`L9[[8?/=!154EKJ:JJ
MXZIRH0:Q!]@]EL(;E[1\PX-NP2GKA_L+"AOY4-OF/-NLMX]I1\?-15.EF?6&
M>&U0@8P+EUS!\LA3RK:>/Q0G[,,LDCY($72EET_0<PIN^'@Q@KN:T/#`7+WX
MB(8\T4]AYF39?AI[I()(/Q4BJEB(E(UJCD-D;X@':'30Z"4U>HUZ6I2;)5);
M;YV#YE70(M5NC<I4'!_%J=3,?`0U"FJ4-_BBE.$ZCUA"CY23]1+.F]!RI\J=
MO09KLBO6XTXZ"`$PY`=&7MNVIK"61N&!6OKN4P;[LGJ+&-K=8,]PS25K5(5.
M.9P/##>5=R$E4@8CKL8B<GMMTDMRG8!78I^%XD6H/?]*X_);8LMKT\)&I@%C
M2E6J+\MX,84+.S+5LB:>\4F<QNH:$P_P+%>)\8XX95@\L*)*>0(IJ4-**O'P
MN!^'B_7MKEYTTZ*U%.<SQSWW=%I446AD<)5>4<7'ZU*F'/BI]ZU%]`N3.<,J
M^D!EF:G,<X=`9@"S6"JG6O/J#R(R>6)*7\G]WKXXAVG5YI161;$RW_TB8%K)
MNW3QB^D$GO66Z]Y6`\XQ:A-:,4_NYZ:(+$H,Z`'T:#8]TLS1>-=TP-%XRM$X
M3PL7F^II$V,7-?5V['@+;XGC77FR^G>L?9?MV.<F/<@CM"/.P@NV@WQ4DU9+
M"$T1YKJZMZN4\CO)0O="&V'E.BYK'<L;S.%DAFKY[K$+SAJ`$%<AQ(H"4MQ4
M%A_@:*_X##7(EV0B\H]H&$S4L-37?R+\<XEM+_4V6<<]Q]L-L9:N\V+2/ORM
MT#Q2ZH9LZG^<*Y$''"BMG16M#,4E<K&D)'DVT/?S==0$U)=&_1&*RW>;I)E.
MR?:9#1U51W-=D9,2&V`7_J]EKDK+)1A2]$`/H$?]1SAYVP4)NNA1HFF0#"O:
M:1TD:$EBCY3T)E9,5G2/I.XBJ.KOV1VLA!)4/EUQEEB3*$D,/.:1)E9+L510
MB2CPE*_<CEIRN-,*GB6S:%CBM*:C=U6^."XA@(V(L^5BVWA#OJO;GA5F/?0I
M;;_+&M'*ZH3!M94J%#@4^G>*R%)<6FD]E1OG$LAR$06.,8H>8[">]%'M;M3'
M-U_A`!Q>-#D9"_0`>@`]FFR%JGZ#C/=/#H6H;(K)^FQ^CJ?/$IX=R%-#&-X^
MB6HM/2CCJ397%<[['*N*]CYG_0@07Q[B0Q$A5,[*S8&2^"]_P:'62HD<0;O8
M=<(%BNH+)[ISX0).?$68):1(9)>`Q6WV^X"[0DHV9*JTZCK+1#JBDH\=S>^%
M<E]AQ8=,LYVJ$ED]4:@>D>_(O3D'&$!CH'$;:-PFRL%](]$K:L-]H\94N3;4
M^^AZL-/`!%/76=:LA%'7N951P`8@8-*PK.($D*C+._EHK=9VV2>3A#PXOF[E
M=WJ$TD#TL6+.Y>1UJH0N1N"A0JF5"`5I_@Z2E4BS;,;N5%%S'W<`6$L:L,YC
M,QF*!2[$B]UMV[`(BI.CXASF[]4-BA,4IPC%F;V#P3N?]DM:_S8U7^C/O[X+
MO/-G75]>7CN+I8OGV/;,%QR6KWUW?/Q`]OK)<HP_/_[];PC]NOKTO3''T\#"
M=[.$[WUU/.^!OFW]961./YS<WCPJO?'XA(1:-B7A#SS[</+EQ]VWQW_K=D]Y
MI$-<'Q_N'N_Q4NN%OWVV?=-_>PPWW9\,U9./=/71XNF/RQ4M8TRAZ5ES]O9^
MH;O/A`V$U9<]0L'HUY"9["^6:>/S*"94RLZ]5Y3-.ZBDL#>$#[R>Z_8S^9II
M(ZP;<T*`Q=*QZ=P39Q8._:(COOPYWH]H"ZXC?*\_=S%FUUQL.A!\03XS]Q"V
MIWC*]T6<UTT0X./%$W:1UN/[Y#/.*TT</%R.E)1=W!>Y/Y-7)GZ_8G>_^+@D
M%>G8/,MR7KW+?06YW%6#6YHDKA744(C?K3X4^SS3IZOO;"R`I2\]?+GZ(9YC
MVLU":;N9BUTSIJJ3G,4G0L_85LLIHR1':8UEF`9\8#KK6ZBJ/E-5A>+JX`Q1
MD>.!O]'&Y0L)9?J$$D;BXDZ_F99%9S'N6UN>-#AC38.)3?#UG[G\'9$U2OW4
M?%:F6K5!WB(JL0GJ0?G*_\,\I/,\?]],//L7&W9V^I4U3_B%3CV[W4P]NR_4
MLU)Z;D_$YLASLWM2/D>>JK=8Z>+UJB'60ZQ4X*I8J8#T'.YOE734S^%^^>*/
MS!+]&PUU:!D(\=/".]&_.9[O8M]T,9/J3]C&,]/?"#W3`:WB?X?T^95A!(L@
MO#(7LGLKX@VY_`L*(]^B!Y**>JS4K+6^8*:<VR?=TFV#/(>X]<0]^G=`HMF5
M+YA?L$J)RZ%]7I,'/KEF)DR%I]C*L!?_*<<VU"KU;P8P"%6_N3)_FB:795JM
M1PQID-++5['"`?]IL!Q(I:(&`JT"@#)M"N*9HHQS'9$`+NO`I2I9H*8*#=30
MJ38`5,J/2DV3"))L,>+TI':D27S5,8-$^6`:=0>;J/NY6`S=05>_I.O.U8^I
MRR_)%%0BM<F^<SGMW@@N'Y*S;-PM?A>C*YS.[_^)\N>`TZ)E6JA`2Z.S^?A+
M$GE!M[9!7"`/H],I#G_Z!4T#3"?)Z@LGH%ULW74_#=;4C?P+UEW;M)^[["Z)
M=X+D=FWR3HVK1!$*=UGDYDF^V[O-YLC*](/#(!-7F*66V+@?NY+4.O-.DQSQ
MUA*G%CM,=F;$D*^JA%C9\*I!EK/$+OLH&/<F&G=06^TU[Z=]I=\AGPLLO(Q<
MD=["'Q.25!,_;J)]/[6B,L#5I!D2H8?#9K;M/)AY,/,=UUU-,/-J?]@AGH"5
MEY$KLEOY8S+"M:Q!]@+G)`K%[Q`XK*A\N7V'X"FZ0P!E#Y76+6<_%J^]-+/5
MFK/:4C?@.G`]K3!"^G+7;-P?`<<S%4C(74K*@]=P%2U7!L=@[5MH?D:/708,
M_39C^S)@>'X3C=8#OZUV;(@M;Y7%*^!U^II>C"YY\9Q$MJ3K.!J.`$BUU.>"
MPPHHZL)]JJR*2++K5?EHF[/W9KTM&?9[=.677:'DZ:*WG!=!W/HX9$*05'?H
M\W9UK=JIFB3TO)-+H.HSGGEASNNJ,Z"<O\4^4\>#`L$#(+UA2!<=V^1%>M6Q
MS:DV*))M`9PW#.="HZ_\ZKQ:73[H5W&?0Y:8?"_^XM;A416[\CQRGS-B$;SR
MEN7WVPB8?(9"-%Y:E<8'N$@$%_F3]0`7B>`B<U8^HX<&\ROB_NYJ?L5W.FGG
MR/B*/9^XE"<>DBEE>@6"\16'9-*`=N<POF*'VY(9<AA?`>,K8'P%Z',87R&C
M*UBD5N(&&\P?W!0-:`IS#/>G]$'%<-7(@%D6-8T-&&I0[M>`YNR=PN2I<M:;
M]*"867I<RI]]Y8M+;9(^^!M0*0,J94[R\M:3?74HU5F_1*EA&&51T-.7J19`
M[L))I0?#+.3F<Q<Z-\`P"^"T=$?G$I=('M/:K>MW#>,LNM8*DU,M\9&+G&UK
M[]<$GD@X>1C:8,KH,G2V#>;IL(J4B$3F'<99=,NX@]IJKWD_U3HU0@PLO(Q<
MD=["'Q.2]'$6#37Q,-$"+#VH+PFXPBD+J4A8>06&OF.2(K>A/R8C,-$")EID
M\P$JKEZ&V09R:,YJ*]Z`Z\#UM.H(Z:M>LW&_/P:6=V:DQ1%FP_TT03,MHF$6
MX5D..&ZU0Z-=+:_$Z@Q-D=9`U(ZC5K7"$ISF5R9%FM("D+IS3:OQ#FN38-3&
M>U59-9$BUS6K?+2%D18PTJ):!,%("VF]*AAIT8T&Z-U&.8RTZ`K28:0%C+3H
M`LYAI(4T\9?HAM8PTJ)ZFHO,[Y=:.\PH*&0HI&HZ+Q74`2U2HR6O/RMZZ3#0
M0F:TY/(*Q=NA0\N&@19Y!UH\S%U\;*+%?N/B4HYX2">8:%%$G1C0`1TF6NQP
M6[)3=YAH`1,M8*(%Z'.8:"&C+UBD5.+?@8T/^X)0(UPU&&"(14T#`Y2!A'>I
M94&E1'W9.P5*.L5"'4$!L_2X;&]Y=#(N^UH?4"D]*MM8;7U(3VJ]L43'^U+E
M@W>F6*R:0(&W#X,L2HB<VNB+5=*<U%??GZ'![1A@3`4PMNX[:1)Y/4=4<.NZ
M5,,0BJYUKRPH%UWJ?RPE"R2W.JWK40E,V#7H,IGI$IVFFVBF=X=)T,:1,$JB
MK28:5)($3"AVY*D5N<?=5!:`:9:`"9*9YF,2T$K3S/HXPP0(,-"@F"0WT*=*
MIS(98*$E8()D%OJH",#\!IC?D,V"5URXVX)._DU4C-66=@&3N\WDIDUG2&3V
M$!C<@ED,!5@+]Z@$35Z(QF='`QC`YZH=&S!ZX7"$U4\OG):\+$PB2]$IV"@P
MH`/F*K3(U6P2:+ISKT=+[TLKMP/;[)D)!;H!""5/%]W<VF8F<+AZV-;F\<G>
M4&\`(Q%D:Z`-(,[?;>#(D"+`<1-QW-[Y!@<R&FJ1E`:@6&X4MW%ZP2$]K&D3
MB0(?SLV*5]N%<05UKAS&%4@/F`:W%`>X`%R$)<%%PP4&%D@-%QA8P#G+7W=Q
MQ6I@P7?3AGD%,*]`H+3"O`*QW);L-!OF%<"\`IA7`/H<YA7(Z`H6*5.XP0;S
M!S?G]9K"'$.UXL*B+I0?P/""AA1C:DJ1\@-),@L=:L?=*5">C@;0)%Y^5':L
M`OFT/X;[#O*CLCLESI,C`UY@<`$,+H#!!3RK:_KIEPHD-P#2'-I#JX*&,!8F
M%[24L<V=7'!,![>N\2*,+NA:V\5B@C%,K_MM6Z\Y"5D@N=F![HMM9H)LW1>/
MJ*/6F>G=T051(Q\87M!2(PU*20(F%+WDIW;(50+K+`$39+/.QT2@E>89QA>`
MB0;-U`033;#:(1:`A9:`"9)9Z&,2`,,+8'A!-OM=<>$N]+7O>MMS8'+KF=R.
MX042^IC2<+CITPLJ])YJ+[V%\072>EVU8P/&%QQ.@JI*3[YS`%F``_,+#N-F
M*.'Y40-QT['[0Q+[FTU"37?N]_25*@[I1)$29AC`#(-J$=2=)@*2M7^'&0;M
M[)K=*1###(.6XAAF&`"*FX]BF&&0&/B\\_4G"Z]_FYHO].=?WP7>^;.N+R_O
MC3F>!A:^FVUU8`L[K]$N;`_T^P]D]Y\LQ_CSX]__AM"O^L_E)6O;EO"=[]C?
M]/5C3?K"CGWD[W>S!_TG,J<?3FYO'I7>>'*"#+(!\NP?>/;AY,N/NV^/_];M
MGO)(`HS^X\/=(PD[M%[XVV?;-_VWQY`6_<E0?8RV\'COZSXK:?C\5T`^0M?D
MV/0VP=5/TUM_*M9R;FN)F\ZA=+%TK=]8H'."`ML,%_;[_<T)FF+#7.B6]^'D
M?'CR4>FIX4I^?5>&&)G(><U.%_;I-^DUEWZ:DI%\VYL_3J^H<^BJ<6BL;^BF
M;>CJ:;]AUW2FJ_NC-]'MT1B!E9H(G+CJ+&0]UQ0M"V'+4RD3<F.(_Q%6%3\X
M_\UJBN]F&]S<VM%R[M;EQ`E@5YO&"R4;*WB0J9P:T9I&V7-E,BBA/E:F[]#7
M;O#,M/$TZCC[FT56F2`5CLL6[ONN^10P(_O@_*:[K$)^3=I^3:1-W4(6$O?'
M*P*+IE8Y[`Z:3V#.!C"[_S49UD2\0TN7RO'ZL>X983`5193OC_WGW=J^\SGJ
M)9%`X5$#*7P^'&:A<''Z5.S$C9O(@_;Z<74%?:643C-<.1)3-9"XYXJ22>$<
M\>8RK(;R)8%H.U'>U?WCW9<-G31YZ*1IDUVO+.>N.;H/Q!"G@4W;`AM7(G)(
M/YPK_:P)"&'Y&Z67&GA)3D`UHI_4&1REEQJ`"21Q\=BVKV9R<!MG^95>:JPF
M(R]6=DEZLY\:R,E(V7-UF#6,JS6#H_12(SB!I"V=8-A@5^8,CM)+#<^:0>"Z
M,C@DFJJ)>.7\V*I\+PXI'$+C)I)X.,E"X8:D<,C_FLB#UCIR2EV!7ZD43M6^
M7'4^BE)7'%F&'PUQ3Y2Z`LARJD=IAG>MU'5\5X:Z51^-EDYP*L/4!*<TA#U7
M!GUUE[;<$YQ<G,*ZHD(>F;MJ?,/RJ!U7EY;G4A`XX`+=\G2;5$>W$A4\O<VA
M3[WT4GO5T:MTSH$$%7O6IR:R)9Z:D9!$8SI0E4P\-442\5355+K)IM:&FB1D
MTZJ#&P<I'<LBI?WJT%8R)ZC*8@\&U2&M%,DFZD@2BB7&%V)`5EXVM0F?(HKR
M9!M51[8RCMID+U-3$[T2`P(Q@EF<7J-!7Q)RI<<!LE3RJV-)'#,M/0Z0[0+5
M1!*8:>G5<W(5W9]K`T42LB6&`?\.;$FS&P-)X@`M,0X00[<R1E,6WTQ+#`#$
MT(M#W*3QT6I\JBNTQ-.)P&I$EE?->D.N?'UK5G(F5JE50,Y24595=.1Q+*$E
M'DLT!;"9KEB(+%GAPH+$<C;I05X[[7F6"VF)57$5\*!XH?'&[M5=*L23$?W$
MVCG)A4$B7O`MV^HG5M')+!;G2C;%5%D!/D]N)!;122X;U3.DNEJD?F(5704,
MX56(7G4]4@4L22R^DUQ&:N)&X0Q!/_&\:YTAD"WO*4V=33_QU$L,W4I84$61
MY"BZGWC<)89>/!+%LI`M\=1+#-E*WDX?\<FM\\DV]5.#0+F;XU74X89GJ#=(
M#?6D;"+65UH:Z`U2`ST9>:'VLW8`:5Q8,4B-\V3N4+9W@E7K!9V,:G^0&L5)
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M#OMB;P@?^##':.98EO-*`(E83(<(P3S*>$0(B/!LA@V?38=U=PA._ACX]!^N
M[JYOD6Y/D4G`S;YU3?Z5CMFB?$!K9+&GA$P@+W79)_<&7!7<7K@=?^YBS)9"
M!`RC!?G,W$/8GN(IWQ=Q7G=\\"[?)Y]Q7BD%/]\G7N[/.%ON3C+;DJ>X;*@A
ME-^M/A3[?`CFZ#N;.6Z6OO3PY>J'^&3HW>'1DV.SHQ4E[TC%7%/W5H_/-#!0
MJK6HD[PS4_,M1MUC3<IJ1CDG*>9:RBC[2,?Q6.1"HJ<?6@GYDK?4[0__5-1_
M(M=YC7[YY^XP]'%54^4-8@^P>VP8^KBDY1L>'+!XRGRR7Y#%O#)JVYQGF_IJ
MQ(B1_Z,VJNC0^<QZ0[PVJ$#&A4NN8'GD*65;SQ^*$_9A%DD?I`BZTLLGZ#D%
M-WR\&,']$CF.#\S5^Q9Z>)\3/3P1S,FR_33V2`61?BI$5+$0*1O5'(?(=QH#
M9$4(:'30Z!G$M48]+<K-$JFMXX'M65X%+5+MUJA,Q?%1G$K-S$=0HZ!&>8,O
M2AFN\X@E]$@Y62_AO)60?0F=O09KLJN%$T@((0"&_,#(:]O6%-;2*#Q0MS*W
M8H"P?HL8VMU@SW#-)3T50NB4P_E`^*KP=T8)TR=;-1)?_LVT+'H<Q>VU22_Y
M)8_&J,0^"\6+4'O^E<;EM\26UZ:%UY*9E@T?*%6I/I>JD/3=#!0N[&"_OX8J
MZ\FQIHG\23SCDSB-U34F'N"95D*<,BP>6%&E/(&4U"$EE7AXW(_#Q?IV5R^Z
M:=%:BO.9XYY[.BVJP$;@FKZ)]WTN2;RBBH_7I4PY\%/O6XOH%R9SAE7T@<HR
M4YGG#H',`&:Q5$ZUYM4?1&3RQ)2^DON]?7$.TW?LHV>=E42%9;[[1<"TDG?I
MXA?3"3SK;;_<M&Z/H*%V7LR3^[DI(HL2`WH`/9I-CS1S--XU'7`TGG(TSM/"
M!>N+B<@FQHY9.P\YU.*M[BG*'._*D]5G]ZV0[=CG)CW(([0CSL(+MH-\5)-6
M2PA-$?XC#XEVE5)^)UGH7M"IJN0Z+FL=RQO,X62&:L,R#.6=-0`AKD*(%06D
MN*DL/L#1WB25HY`O*4WDJ%U3=(,,^?I/A'\NL>VEWB;KN.=XNR'6TG5>3,]T
M[%9H'BEU0S;U/\Z5R`,.E-;.BE:&XA*Y6%*2/!OH^SU`?;6H/T)Q^6Z3--,I
MV3ZS0;[#<EV1D^)&/@OY:_B_EKDJ+9=@2-$#/8`>]1_AY&T7).BB1XFF03*L
M:*=UD*`EB3U2TIM8,5G1/9*ZBZ"JOV=WL!)*4/ETQ5EB3:(D,?"81YI8+<52
M026BP%.^<CMJR>%.*WB6S*)AB=.:CMY5B09B(",:+(/\39-BI*^[%$OKA,&U
ME2H4.!3Z=XK(4EQ::3V5&^<2R'(1!8XQBAYCL)[T4>UNU,<W7^$`'%XT.1D+
M]`!Z`#V:;(6J?H.,]T\.A:ALBLGZ;'[.IC^VS+;QOWT2U5IZ4,93;:[JO_3%
M\OW_&:N*]CYG_0@07Q[B0Q$A5,[*S8&2^"]_P:'62HD<0;O8=<(%BNH+)[IS
MX0).?$68):1(9)>`Q6WV^X"[0DHV9*JTZCK+1#JBDH\=S>^%<E]AQ8=,LYVJ
M$ED]4:@>D>_(O3D'&$!CH'$;:-PFRL%](]$K:L-]H\94N3;4^^AZL-/`!%/7
M6=:LA%'7N951P`8@8-*PK.($D*C+._EHK=9VV2>3A#PXOF[E=WJ$TD#TL6+.
MY>1UJH0N1N"A0JF5"`5I_@Z2E4BS;,;N5%%S'W<`6$L:L,YC,QF*!2[$B]UM
MV[`(BI.CXASF[]4-BA,4IPC%F;V#P3N?]DM:_S8U7^C/O[X+O/-G75]>[A[+
MW@7^W>S*,()%P.H%6?G_M;-8NGB.;<]\P6&-VP-][`.AR"?+,?[\^/>_(?3K
MZIGWA$3L@;9_/=?M9_*5WVT7&P[Y\__BZ8/^\Q.V\<STO5OO!]8]QR8/>_O-
M(<L@#PW'Q=_-PJ\0"D^C3R-S^N'D]N9148;C$Q*XV90A/_#LP\G5_>/=E\=[
MO-1ZCW0F[.-GVS?]M\>0:OW)4#U!@6V&'_[]_N8$3;%A+G3+^W!R/CSY.!P/
MPX]NZ")H#R&A])]E7_#YKX!L,$:1"5^*#-3)BB*\%KN-D<^S&3;\&)Q^_B!P
MNR9;,.W`M)_OEMB-YJ"M-SGJ;6_RRX^[;X__#JR>$N[QX2[KCI>!B^-;UDX^
M]BZTOKKA?_;U<=B7DK8O;6M?6H%]*>/R^R)_M\F'_Q_6W=C"U:2%ZW9&ACP2
M:#W&'NQ=_30]]L?/NFN9V//I7[_AQ1-V'Z.%/*[7?17X<\<E3V3?VORSCUU;
MMWZ$$W+NL?MB&OCVQWWXF)./:J\7(T?L[5GVJPG:[U?"`T&[590,NRV$VGXI
M8AR7QGY-TCA(VQ<':>2P+_*)%^SZ5+G>!]0-,6UJK&_P4\Q*CH9\;<)HT-NU
MDBGK*++@4>J"TXG-:<',VNW\RZWG!;IMX!UE,"Z'?ZJ)AI%Y37GAX65]TWW:
M^O)M9UF3TLO2#BPK_L*\U!J7M-V"J#5.-;WU42O5L![70:6I=6!9B?8ONZ,B
MBHFIEBC3LLHQ\<"R$@U)+FIE7];:HNBN30R']QMV[^>ZNPG18NL:EM00-)*,
M`DGZXW(5U\8"9%HJ8\[>WB]T]YF$Q"3LONR1:#;Z-0RLV5\LT\;GT?F<HI8,
MF14E*9L3O92F,2[/U=Z%LHG,%6TOC.;UUO`%%_N'E7Q?(/KYGP4_/X*KZ&W\
M)OCYV!6]@VO!SW<6"\<6O8E[P<^G&D_T'DX__W:?D'U;YE2'DSUU.!2B#N/:
MK[=^X,,<$QNP6`9^%/XX,_2D>Z;!NJ-,32N@=X5Y43)2);]Q8S]GW1<^[A43
M\.A>6&NB#'OD4Y;EO'J7"04G:VZ_2S*$<2ZJ(='?K3X4^SQ+S:Z^LTDF6_K2
MPY>K'^+E*KDKE4<B;['DJ,"`=<BY#G70%WKE;?W\3*O1MBK&>:]%VQ66`[?O
M!BF%8),R39P-3+-UZ8N<<"CL4GH'SHT>YB[&Z!OYX-Q#G^TIGN8Y70/NB.7.
M=V(T,C.GU/T5L5<2X.E'M:UX'5JW[!6I,:Y=`N_QTF?G)DCKG150C4!TD41/
M4WF*=K&G\C)14!WW*[@YMWY+:0J&O[+5F3YYO9%(T]-OIF71L.X,X9\&(3!:
M$OIZ+#K666F"EZN4222^TYH=]'-[IX*O.'!EX[&*,YI^K<I!R[#Y(PS=KCC+
MNQ2Q?!OF6+J6-S83NW1MU[_@J'KIN0.H`5`#H`9`#=3M>''///%UN8X)Z?=@
M02MUR-]K5JCEY"]?U;=(<<I'DQQ!.-`<:`XT!YKSH+E<6=BUW>VGV=W1L``P
MUM\2XH!\VCUXEM&(BH9OTQ4!T`?HTPGZR*7T*S(I:=U1U.&DR+'6ZEMB#E.Q
M'TTZ:)TI$1G&YKINNR]8%28R,FU'.>N/1@"`PV+2''XGLU<;#LNQ5TS"$P2\
MHNWTS_K:&`2\K0+>/^L-E**IZ7S%L6(._HN6A-:QFGR^GMAZ":&^X>J*%-(M
MRS'84"S?04O=]4W#7.H^^;=5K<2K[D[WN_UZP5+`LD[UA)J,V*OJUVI">5X\
MXR?YD5LF0W:J*'57Y`#'19JRO&WWJG)5@</B9%H;@$RWA>/)#$[O",?/.Q5;
M?U+KU::F>;QU;ZFJO"G2?=\UGX+PDB)QD(WPAC#SC.=$YV$WUQP,Z<ZCJ]6#
MLB5UVE;8EC4?7#9A"*"M+A'5-HP>R&$/BI3WMJ-H%Q2I="#-FG?OU7UUH`.@
M!8SF.BM0!CRCL2Z6L=]@VUG0-F-)A>QBTMZH,7GO;M:X`LV!YD!SH#G4SX<&
M6=;Z^4OT/XQP>'JNOV!7?\;KC)WO&']*Z*Q76/$K6_RDG/7ZJ84MP!+A>9?>
M2,J\2SM9D%4JTLN]0"K$2\4XM6"ZV05W^2R\V&,\H1[!U72:X`\P1P`YR[#C
M:T7Q_>E30\)[*(C@K]$E/FP#=I<6[9)7:Z"@31[V@C1WBMVYI;DKI6R%/,2Z
MMR36E[P)>S+(*_MUDQ_:BF5/>LEX&Q=@)`N,#J4D2B:%NE4@U3W89$XN@O8!
M&.76/I/48X)*'6-9[FS`.CH\GD<>A2B/@H,J%*`YT!QH+C7-Q19`UU36?+`>
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MOV"/NLTN^8]K&O3'\+)$V`'X#+W.36-..Z-9P10CGSR',9GV17.Q@<T7C&S'
M/I\Y[@R;8<LT0AQSBNVIAQQW_0O"?P7FBVYAVR=/I3V&#<?VR#^YY)4[+8BQ
M$;BF;V+O`EWKEA%8>GAQPYE1]YXLFGR++<5_=<X-2_<\M,#^W)G2H<]TG7L@
M*$,[-'.=!7N=O9IUR/?YA"DQFBUU<TH)1W!#_FL?I`T;&T6_2LAA>F''.O(-
MO.KQ'",OX=53K*T=U]5'/?(.<Y!"S\46ZS9]>"\$#YY)7JJ[UMN*B].0\ER7
M2]DXW?3ZN-A7%Y;)29Y[@N69C0RC\H=G,VSX5#H"&__D"W[7,+VU3EA=H(KX
MXZ'>A8H6X<1U!L?>A;+^G2QG]?FU`!E$!1$`^M&_4V$FBH,_ASD_T,48+<B_
MS,G6;8I+KL^_QTL?+YZ(2M/V0\4R#S[CN\[$<<PE%1]G4B8.]"U'0F(8ET2Z
MB)Q9;V?\MQ^7H+6X\!8)HG[F_(6,F!D0BVZ*!7KB^CALZ(&'0R?3BVP#1=A*
M(%Z=P)JBN4YLW1/&U-3XYOG*_*6:\'<;[WSMUR=8[;BKKVQ;Z7?++`](-?OT
M+REO*!``*9MWT/CRLK=^X!<G](PY\(>])6X"*2[WA)[OBSBOF[,.B3V9BQ*)
M/8^3%HF3DI,:V5XD#SVR148_%IG*#"428"+J"9@SDP8RV"56FGS8(-*`=2\@
M;L(ZRB'A$-W5?4`3(33.('^[P4\D\F4?(\J-[]+VDSRE'C<:<):5M8-C>E[`
M76.8-E)[O>$9P_M")S2FL27[J[9?*5'J71?HEADFSCM(!!.),FEFQ4>Z,3?Q
M"X&0:;-P_YG8/!O]%9!0&KM;\A/9R2<:;_\5F%'DSXB^U<,^2ATLER34IE]?
MNHZ!\=2CGU[H?U)#3!Z-/9_W/O6W!4W_)%CL35.,*+/VZ[O`.W_6]>7E:FC5
M;]B]IZM_(-;WDT7"T8]__QM"OZX^=F_,\32P\-UL]PNL*.[*GD8GQ`\T1[5^
M"#*G'TYN;QX593PZH3D3:MQ_X-F'DR\_[KX]_ENW>\HC5<Z/#W>/Q)QHO?"W
MS\0%\=\>P_1C?S)43S[NY`4SN@N3/7=A6*&[\+`=E#/E]+0[E)RSNDHZH9=)
MTS/)T[TP3ZH,>^13EN6\>I?[[]G';9$,<I@UC;ZS29Y;^M+#EZL?XF4=<-T&
MUM'^ZS:B"L73C_\R%4Q-U!+D,C`UK^F+7+U`R#'9`XOFOH5!W.?$(`ZX4QMW
MOM,(.RMSY.HC"T_/IVV;=66QB.P5N?A<NP3&LT;[*7\@>KU$3U-YBG:QI_)$
M5D#7.],B7)WID]<;R1THOX6)%^^,'MD2`M-4PVK"\\()2"Q>]YS.-7?4%.[T
M<WNG)=B8H8:I7^EHDL34L"`'K<$-8S(L'5I]'`)8W2.M0`V`&@`U(+<:J,3Q
M:O@8L>^K"M'](6+U7]$41.)F](``F@/-@>9`<QGZRXC--1J-GN85/WB6T8A6
M.!*GD8H`Z`/TZ01]Y%+Z%9D4+<VD#"=%CK56WQ)SF(I]6E;N+/9K]IH.=9%A
M;'-ZZ&3:CG+6'\G8`;O1U\3E25PI9]H0>J)U6<#[9WUM#`+>5@'O'QN/VNSA
MG'*M)I^O)[9>0JAON+HG@'3+<HS5S9V=%@5AK03KA;$'0$%C0W48&UHHXR?Y
MD5LF0W:J*'57Y`#'19JR4T4MR6`9.JX!A_/(M#8`F6X+QY,9/$QE<%=&B#9U
MW84\WKJW5%7>=-,V+.KT%;])/"<Z#[O[GK$TVJUN+DF?U&E;85O6?'#9A"&`
MMO*&I*W!Z($<]J!(>6\[BG9!D4H'TJQY]U[=5P<Z`%K`:*ZS`B6U!WXE$U0:
M7L9^L^F0NU^#)R;MC1J3]^YFC2O0'&@.-`>:0_U\:)!EK9^_1/_#"(>GY_H+
M=O7G3>\_VL-=0F>]PHI?V>(GY:S7PEFMLK+D``=&4N9=VLF"K%*17NX%4B%>
M*L99)RDUL.`NGX47>XPGU".XFDX3_('M82X5Q?>G3PT)[Z$@@K]&E_BP#=A=
M6K1+7JV!@C9YV`O2W"EVYY;FKI2R%?(0Z]Z26%\R&I\@K^S737YH*Y8]Z27C
M;5R`D2PP.I22*)D4ZE:!5/=@DSFY"-H'8)1;^TQ2CPDJ=8QEN;,!Z^CP>!YY
M%*(\"@ZJ4(#F0'.@N=0T%UL`75-9\\%Z*)0T;K)^!+;K\HO,\=Y%"RNL:KY'
M(E%<=J%"Y[<NBW?_0IF`>+=5O+6+82IW*[G+E3%=I<KD^D2'=06='Z$;%WZX
MGW,]TFO?$KN735L39ZP'>&R6-6@&_`XXAZDW@?FC3892-E!_TJH_XJP6.7H$
M]0?JKYCSG+66[QWK[K7^;6J^K'Y>KA9CF38^CUQKM<?6_&[UH=CG`VOUDV5N
MONJMAA5;SBNAA6XMYWJ<4G\$GF_.WMXO=/>9T,9WEI=#\HKHUY#"EVI)0HW7
MWW^88W3M+(CW__9?^F+Y_O^,567TWD.!_8(]ZC:[Y#^N:=`?P\L280?@,_0Z
M-XTY[8QF!5.,?/(<QF3:%\W%!C9?,+(=^WSFN#-LABW3"'',*;:G'G+<]2\(
M_Q68+[J%;9\\E?88-AS;(__DDE?NM"#&1N":OHF]"W2M6T9@Z>'%#6=&W7NR
M:/(MMA3_U3DW+-WST`+[<V=*AS[3=>Z!H`SMT,QU%NQU]FK6(=_G$Z;$:+;4
MS2DE',$-^:]]D#9L;!3]*B&'Z84=Z\@W\*K'<XR\A%=/L;9V7%<?]<@[S$$*
M/1=;K-OTX;T0/'@F>:GN6F\K+DY#RG-=+F7C=-/KXV)?75@F)WGN"99G-C*,
MRA^>S;#A4^D(;/R3+_A=P_36.F%U@2KBCX=Z%RI:A!/7&1Q[%\KZ=[*<U>?7
M`F00%40`Z$?_3H69*`[^'.;\0!=CM"#_,B=;MRDNN3[_'B]]O'@B*DW;#Q7+
M//B,[SH3QS&75'R<29DXT+<<"8EA7!+I(G)FO9WQWWY<@M;BPELDB/J9\Q<R
M8F9`++HI%NB)Z^.PH0<>#IU,+[(-%&$K@7AU`FN*YCJQ=4\84U/CF^<K\Y=J
MPM]MO/.U7Y]@M>.NOK)MI=]M[NM&3O^O[P+O_%G7EY?WQAQ/`PO?S5:3-7[#
M[CUM$\P.XJ_L:925?J!^\0-Y[R>+V-&/?_\;0K_J/Y>7W[%_RWH.7\5:#C\X
MUZQ]R7VLWS`RIQ].;F\>%64\/J&N'=W$#SS[</+EQ]VWQW\'5D]YI$A\?+A[
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M1;+ZUT\NV$B`$$!D@DGP/'27))-`YMGRK%_Z$7KK1HX71$E8',&E#5O]^/W[
M7CJPR<UH3`Z0OS3X(4>D2;6Z+'WZ4I*6?GFEXX"]R,9R\6/KW\I>4'75^#Z?
MA]=\RN=_"ORK#U@423)6^8+ND9\@&@V\$_QBIB>BJ?<6Q;;K#<ZCPH-OJ9N+
MBFY:0G2SK(J3G=3>*O"\X('D2-U(L;$)Y9*TI2]E+W$]$F/=\'TH,;D4>M&-
M(AJW$=%=(52]+:77:UXVL;A/)8=5+]+O%$4LS]Y&Z&7V0[F]:K\!2].?FGO3
M)B)[X-.GMZILRK,2W;#$SGIESV]7\16W$*OM&DXXA=<*!F1Q-)$<1(ZWY@4N
MK+[&]5!]^!O-Y']D*<MW)&79I3P.DC%>R?A$<MEM!:.I![?U$2#:L(LWUX*-
M\``*)"W.4EF-CEGD:96I7+FIELR`[9?.]D;[:5Q7S*?3ZK;*Z6R(^]FSM_!I
MGV2K<V/\>J<>0_8CJPU'G>[3Y:I'.?7U!NJ;\P$Q75IT&6;K&:;+M;8$+)\G
M>=F</,"X3I>Y[2E6B^4#/T"SQL[)8S3KZ#G&+CX`?]0@7J=_'<G>!R'>OZ\X
M21@BWWDD9:E[%-*&F!4B3;2T(""A0RTZ$2'2PG2:D#"U'O+51B6U(>\\5'1]
M6I-+!W$2-%]S-M)S0%B,/L+2TU<Z.VD!X_.$\;$L,#Y@?%H:'VO:+"QBW4F)
MG,2WR'/]OQ+J']:6UD^H0:+`0#/1DMJ<:7-3*G,V4F;4TWZFR^6:C)3X[31A
M:BQ`$TZD"=-)LY-^,>?DG\&C[<6/RF<[C'V\AFP"&<Y,B2R%-IF`I3B1I9CU
M<E?@R.2;B)M;H`@GRVMI<&22QWU%X;WK(#@B9;(,"X@J3V48%C,X(:71`[V?
MOP**T.>$G)TRJ#R3?KXZRM$AU`KE!-TV;Q]]V_R(VVZ;2B"BVFJ&-8R2)=N`
MU_SLKBE9B`Z\%9D+T^7*A0&S.=:GC.;T3J^K-#L/\G:C9$<PXR<FR5HURNJF
MX!MBNUY<88J$:/X6Q+:GW+0?GF_7_BP(J_HH(W)J!HZHI:L'G>0[\RRS>]T>
MQ'M$+69G(LWUPJMU=]C$[O>BI1>,,^^`1)T?T=(&YAG,LQ3F65-G\_G149=6
MG4+O$W3Q#:(D74EG'*>N89@P'"<YS%!/L\)1\_MK,C#F@AAS.M<4.`,J,R1C
MA%P@UOMB@K.X@8PE.+>ABU^`OY/=*!:51]O914$DZ9G?&!4'RD<**A3=N5OE
M"Z*WDN''!.O0WD2#W?UP-*JS!,BQ#.NU0JDC7YURD^_CJ&RD0@!HL<>7=F2)
M,@`M=B"\F:9;W;6)V8-2;;#D\C>(*8R=(UKK17`&T%*[FZMS04L]2H!%@56*
M%6,Y<$J!X!UM!B"$[O3]`D)HE4V`8RB2DPNAU;7.C%R(JZ\!/BCH%>C5\'H%
MZ*`5DOWA!;>VA[\3/P3A#R4=UHV4+0.X.)P].WT/N:20:C)T#,G=`?3$W!\@
M/G)NT-%%RD[OPD,#_%8S@@+("=B=3@!B6B^[<V''V,6:'=/B.U75S8F4R#7$
M/B%V__!:_HV6RMIVT^$A+X@B_*C`5US_'D4QN619B9"3A&[LRN4HCA1-H9VY
MDVSP4Q@O].Z,$&<\#`!WD4<#+@8'4"H5T";-TW<`ZW*`<@#K`@@!HDVB*9E)
ME(;9NGA."_0Z%G)FU$[/UC'JL*9.G@A108O/48LU57LB?&CL7]GO'@-`EZ'W
M-!R@R[%5.:';O^@Q:AFR[SWH)-TI-UUT[I`!X1Y++4"P(`L[PJV)-J#0`G0+
MF.0A3;*F6K,%&&59Q!N,<CN::.IL,FT95<'T]3'3UQ7B]GED.L#-]9D\9G^+
MI^71EV*';D1FHLE\.=]7K-)+V]%/Y\[VURBMOP>^XH1!%%TQ75+>V.$R'617
MHBWREW@UJK)!(?E6O',[F<J;35$2VKZ#E&V(-FZRB11DASYY&1FVY_JNTB[Y
M4CD.[7ODT:Z&@$IR>5<,"H`SV;[1-Z(PXDRA._07GQ'WXIFY]&3BKA:"G_T3
MUQ?&@8*9H/SQ^IOR]W\2WOB1&[M8Y*.L*=E>APB1?A.5"AL6]HB)&]Z]&S]B
MP8_O@F6I+R4J\7;C1@[R/-M'01+ET!`9'.YU3>(-,!^&P'SXR/=Q=O@#Q=0,
M8A7>!$2`B.!2@`^^;U(5OH:I].A<Y#D_-M<&@*\`^(I+A:\PCF=:NUGG_4EB
MGD6`$8-7G#-?`+KBXJ$KC+ZE\),+\5D!5UP0N:%C,DM1L]4!;`6,U\LS7C]6
M3AXS8`_`%:!9P$F`KAAD7N)CENJC::T\VW>R@[]7Q?E2&R1D;GA0YA,I;\&5
M5)PN1WKJA467;/93;FD!X_/4_+9J3GI)%)B?D<K/`7'1C>9[U2X&N*+<%7.H
M\CO&,?"SF,E7K<54*JLV4G8<HK[6RZ4%A`J^D%3J9"K70/9(V5$_#*_.S&;J
M0^6EQ1%;M.=EW44R";10(E_Z*+H^D>LL!V9S]!46<N8S@+DB-+FG7PB:+`>S
MZ[W,63-ONWHY=>UB@G)#)X*)D`[VX6-36[NJU+EC$FJSZ,RA5,D](+>DY#[;
M2LN9TAO$FR^YN]YBUG!<GP3;2>KU[`_2"$**JG:S<W09CL[#"-VST`!@I`@C
MH\`-471U=D0C#0CC:>O?LLM>;1>E:IE#XH:=.LD%9D]BLS=7)[/N.*U@]L#L
M==WO3)U.VW:/#P-QU`AD0?XR%)#%@29Q!?W<(C]"2@HW%"GV\AZ%,</S<8(H
MCE3EX<YU[A0[1-FG";0(Q2AY1#8!BTD_0?Y2_OK*#:-8B>T?Y!Y%+`>H!ESD
MR$U6JJ]\'YQE%*OD(7ND9"$`(-FG,I`<OHM0T[<24K)-1G?N5ODB`L.#2H43
M7-V&Y`<[#`G8$D6.X?N>\Y&`O)I?$0',[1@Y5'NP5*>W03G!9NNYA&)V^%A\
M&7_VWEUBA8F#<]EY=%VUH*U`>P#UYPAJW_!]',EVJ(J/8L[:P/=QJ4IQMBWG
MC.5S@@DTB:<AQXN/`K@U<O)E0-P:;I,"`$3"60@`]T5.<O?JRSFW+F/V*UV=
M;/@N''G_W_9F^^M_:=:D_%/S3BX;*Z%5JA50+\Z`DP<8!W@RH%F@68-K%E??
MXKQP8SZ'P0I%$?8B;.^2NV5%VHUQ#MZWVOK,Z'P)U.4*T^7(3JVH=+_D;@Q]
MS&!XQ/AJJFY.P/2`Z6G7*:?/=/$.HD1NWXWC)#@N<!YIW9K<&+,E9>N+R2/5
M*.A(P1Y:64O3:!1_P-T0IHBFU8?R@$##]TY/PY(J7!DI,P[0?M&87!O=$4QZ
MMXI+"4,[62I>$-4UQ(`$GL0<+"S@Q&DR`7(E`D9*^79A]!P<PQ/%I'KC]>+C
M.PZ#S2;Q7<<F/=5#GH$0B$ID;Q;@?Y_&W#0[WW#F#GKF3D$)3G/F-GL[HSMS
M_[!=7PE\Y3:)7!]%478'_+\"%[_C'OEQ$B)V^;CMR':=S$CELI6)>*Y-3W>G
MW^7PHH[T"G/MYKIF=/+MX,@4J0^6J8%"R*T0%]7`7UMSK46ABI*M@'<]MVO4
MH?2J"PJGA4K,>,%SVX4J<M7+@-7\0B&K,?T(>.?GP=I66CRWI*IT`:LY5M*.
MKJEKYOZZ.`P^="-E5QQ1H=X;@QZ_.8RM(0^4F:PNV*D%9$2MUSWH)-WQHZG3
M[JT6`ZK3A8DW2'.WOC6K>\U2['XO6GK!.'/N#%>-[G-98)S!.,M@G$UUH34:
MY\&A8'?`"XWK^:XLY^G9Q,M^\MSB[5&&">,%#YB@MK>]LW^M>4D)0I$HRRZ$
M8E_$Q&+)-!;:1<:LT+K/\PG,YAKY*,1Q5[#%_Z'(M1ELH,H#CK!XV=IV_4AY
MSCJP7Y"B>&1[B$`]VO@O!.DUS,OD^&%^$"N.A__)7;EHB3^C+-W(P<]U_03_
MGBZWKI&MSR*5Y_0F"R6^LQGT;NO"?;4:T&<=JN*YL;NVV<5;7!_MH#`F70E<
M'^H2D"L"<$"&W4*T3CP[#L)'OB\)T;V+'O*._A"YF]LDC!B`+GTSEK`$L\3)
MP8/)_61Q[+&/$*3?>Q3%Y!?%W6QM-RR^FI'ES^#1]N)'Y;,=QCX7T-=B`]G2
M^8HL1YC/XJDUZ+2>F_]86,_,C/_MER2Z6MOV]B4U6A]\)]B@5_Z2_O:.K?`M
M5F"L_EAQOF&3^MH+G!^__^=_*,K?[)_IUTB+JDNQ,B+\W?<(1?DG%7?YV[,/
M;[]KVF+V3"&&`/_+%[3Z[=G[+S<?O__=]B?:=X(?\_W;S?>O:&M,V&_OL,6(
M'[^S4\M<6/JSWSN<)B5#OZ@8>@FP<CGPO`3MRI!W!6#E$MSFC+%4VU8(8&D+
ME_&DEUI*NI+]F[&X@_Y4[\22#VBJ5[3%L6KC9(!79@/@U>)H(K7!R%P(R\"?
M)5@P2,8`DC$@7'%J&D4;=O'F6K`1'FE9O+,:B8(B%J=,<L`^`]ME97O7>V9S
MVAE-E[&?65<K^Y6N3C98:H!`!3#;\7'R`.,`)AHT"S1K<,WJ.L%RE`]P7O#1
M[X,0[]]7G"0,$8$3=`+_'H4DE4JRJ$J([I&?(`D=:DF!.&7H7Y&Y'T71]6GG
M:X0O5YPN1WH."(O11U@`5/IBQ*>=\;$L,#Y@?%H:'VO:+"QBW4F)G,2WR'/]
MOQ+J']:6UF%0_S3F3)N;4IFSD3*CGO8S72[79*3$;Z<)4V,!FG`B39A.FIWT
MBSDG]YH["W!H.#/EL13:9`*6XD268M;+78$CDV\B;FZ!(IPLKZ7!D4D>]Y7=
M6`E'I$R680%1Y:D,PV(&)Z0T>J#W\U=`$?J<D+-3!I5GTL]71[G+0*F4N>VV
MJ00B.PA9.\,H6;(->,W/[IJ2A>C`6Y&Y,%VN7!@PFV-]RFA.[_2"\^X\R-N-
MDAVQ>9Z8)&O5**N;EMA.V:Y@F-EZA$A'"0RSW?`\`$8!'IKL"%(M6\#,[G5[
M$.\1M9B=B337"Z_6W6$3N]^+EEXPSKP#$G5^1$L;F&<PSU*89TV=S>='1UU:
M=0J]3]#%-XB2="6=<9RZAF'"<)SD,$,]S0I'S>^OR<"8"V+,Z5Q3X`RHS)",
M.2W&]2[HZ%DB7&]#%[\`?X=A7!-8ZM)HN[(*@PU->BI9OW8<*!\IJ%!TYVZ5
M+^C!#I<1?DRP#NU-U!:[MC>)"_#;-@BV!=9M.M/_)AWI)Y=$_QE$40GB=EX'
M<9MX;2%NE<1WV3?_\?7M,V6)'$Q@+_KMV97U['==G[*/LF4?6$RQVM)P&=E/
M:94+@:O4YF9YE7N+>'IU^F32M#IC9W5&Y]7-]%:K.R`3I55J`E=I[I#PP%J*
MQ::MGGL+U`4N<#$K+[#T_O:ZHD\,@0O4=:.3KCR]6K,?>'7C:BV+CV;KDZG`
M54Z-!2?=L02N4DL5O)_R](0J;Y;-V8YZUVK/TS2L/6FR%?:UDH;5B8:'Y;'V
MI.&TRNED1\</RF,MA[7:4X;3RO29\22'G[0X6NT)PVF%UK2;Q4D'\-+YNR_,
MG=NC:..!TU>K)SM:?7`YW58L\@3:57)."Q9Y".ES2\"*&P^DWH>\UG'%]::@
M]CCB)+@+#K9>JSV-."UP]U!_TM33#WQA`5[-)1^ZUG@N";OD8U*)=26XY(-=
MRU$):H]\=1IX\WT<#>/3>!TN]CB^"T^6@A!<[#$0-.BTH>-1FY@]*-4&]CM_
M@Y@>QG.\6.,B.`,76W0W5X*-T&D%6-2]`F+%6(XK)8#@'6T&7.90IBE<YE##
M)H"<%\G)A=!&R,Z,7(AKA82K'$"O0*^&URNXR*%"LC^\X-;V\'?BAR#\H:0I
MW$C9LCSSX>S9Z<=])46_EF&X0^YAC2<@6@"<G_,LA2Y2=GH7'AJ0DIO![D!.
MP.YTPGK6>MF="SO&+M;LF!9?`(QN3J1$KB'V";'[A]?R;[14UK:;XCQX013A
M1P6^XOKW*(HWB+P1.4GHQJY<CN)(@>_:F3O),'J$\4+OS@AQQL,`'$YY-.!B
M(-NE4@%MT@R4`@B<!R@'")P`YB;:))J2F41IF*V+Y[1`KV,A9T;M]&P=HPYK
MZN2)$!6T^!RU6%.U)\*'QOZ5_>XQP-X<>D_#86\>6Y43NOV+1KR2(?O>@T[2
MG7+31><.&1#NL=0"!`NRL"/<FF@#"BV@;())'M(D:ZHU6X!1ED6\P2BWHXFF
MSB;3EE$5`&4=`Y15(6Z?1Z986UR?R6/VMWA:'GTI=NA&9"::0('Q?<6*058H
MZ*=S9_MKE-;?`U]QPB"*KI@N*6_L<)EBCBG1%OE+O!I5V:"0?"O>N4A:Y<VF
M*`EMWT'*-D0;-]E$"K)#G[R,X*)Q?5=IEWRI'(?V/?)H5T-`);F\*X;:QIEL
MW^@;41AQIM`=^HO/B'OQS%QZ,G%7"\'/_HGK"^-`P4Q0_GC]3?G[/PEO_,B-
M72SR4=:4;*]#A$B_B4J%#0M[Q,0-[]Z-'['@QW?!LM27$I5XNW$C!WF>[:,@
MB7(4O^SFDNN:Q-M@\'P5Q`F&2)%$5VO;WKY\=6^['CF8W@?A5]M#7_-FFS^(
M,?B2]NADN#:D;Z=`K!")AE>`41V_U`/@&\4.]$;$O)X[2/%+=@!"LB44*V--
M\FF/?-8BGR.Q5!;<")[7%RIH%WRIS<J>IK!(,#UC8?"GL$AH(VVF'4=A'NJJ
MUV(@\6)%CFO85UVY;%4DFE\)44ND:1(*]3>QJCAUO35')/3?5#O2-G$1)Z&0
M@1-]"'$2B2>H:<:,NS@9(G$&S5WY[W;4?;3#'RC&'N)G[!\&Q(U,\9A?^4L2
M3VQH.)$]I@;JRV@$*`2HK^-?S5[UD>_C,G:K)')C#"?Q"F4YWS>I"M]XM/3H
M/-+A_-@\"`+4,D`MNU34,N-XIK6#N-D'D.'9^S%BS+)SY@L@EET\8IG1MP/R
MY$)\5GAE%T1N&)3).A/8Z@"M#%"5Y$%5&BLGC\%5`KPRT"S@)""6#3(FFV=V
M:5HKS_:=[.#OU6AXJ7VQ,O>Y*O/)0L;Q.DG%Z7*DIUY8=,D@/^26%C`^3\'V
MJ.:DET2!^1FI_!P0%]TP`:^,/*[<#'VH\CM&])^S@&)2K<54*JLV4G8<HK[6
MRZ4%8#*^2*3J9"H7#L](V5&/@:3.S&;J0^6EQ1%;3&5DW44R";10(E\Z`I$^
MD>LL!V9S]!46<N8S@+DB-+FG7PB:+`>SZ[W,63-ONWHY=>UB@G)#)T('DP[M
MZV-36[NJU+EC$FJSZ,RA5,D](+>DY#[;2LN9TAO$FR^YNUY>VW!<GP324^KU
M[`_2"`((K7:S<W09CL[#"-VST`!@I,!RHX"+4W1U=D0C#0CC:>O?LLM>;1>E
M:IE#PL6>.LD%9D]BLS=7)[/N\/Q@]L#L==WO3)U.VW:/UR-;,F2-([$R"K"-
MXD/I%TLP&B*QI31+6[#/LHU4UE&WQ/R*ZV*-0N&D%K/Z)6;KJ,$LP73/65%:
MIDALJ+F^L\S:I;2D9B.N4\]E3F<'&-Z=FHW833V7J6-F'47.JOXT`C;U1=B9
M9?AW3^K/4]2L15_BA'DWGRPX$5,D&*)F+:8<C)$I$NY0GQQ88E5]&M?8$QNI
M<8T';7K3&BNL-FO/'5Y`9QD9>^N-67OT<%HFEJ4N1ITB@GU"\;N?6^1'J`83
MRZP]@0`3J^1]'?EJ]JH;OH\C_%05'\5\'\MYTXB)&V?,JW-&NCK!?*;$L\+C
M10\"5"<Y^3(@JA.W.1J`Z>$L!("*)">Y>W6MG5L//ON5KDXV]"..O/]O>[/]
M];\T:U+^J7DGEXTDTJH0`9@P9\#)`XP#M"70+-"LP36+JV]Q7JA*G\-@A:((
M>Q&V=\F]Y++V1L@+2]%JZS.C\\VXERM,ER,[M:+2_>;O,73Y@^$1XZNINCD!
MTP.FIUT?J3[3Q3N($KE]-XZ3X+C`>:0H#N0:S2VY-_-B\D@U"CI2*)16UM(T
M&L4?4&F$*:)I]:$\X#/QU`)--2RIPI61,N,`[1>-R;71'<&D>:RXJ3VTDZ7B
M!5%=0PQ(X$G,P<("3IPF$R!7(F"DE&\71L_!,3Q13*HO+NLX##:;Q'<=FS0G
M#WD&0B`JD;U9@/]]&G/3['S#F3OHF3L%)3C-F=OL[8SNS/W#=GTE\)7;)')]
M%$5*'-KWR%/^%;CX'??(CY,0D3_ZD>W(=MG22.6RE8EXKDU/=^/EY?"BCO0*
M<^WFNF9T\NW@R!2I#Y:I@4+(K1`7U<!?6W.MQ6B+DJV`=SVW:]2A]*H+"J>%
M2LQXH:7;A2IRU<N`U?Q"(:LQ_0BW`9P':UMI\=R2JM(%K.9823NZIJZ9^^OB
M,/C0C91=47:%>F\,F/_F,+:&/$!_LKI@IQ:0$;5>]Z"3=,>/IDZ[MUH,J$X7
M)MX@S=WZUJSN-4NQ^[UHZ07CS+DS7#6ZSV6!<0;C+(-Q-M6%UFB<GP1*)C]W
M18IK0C?<`2\TKN>[LIRG9Q,O^\ESB[='&2:,%SQ@@MK>]L[^M>8E)0A%HBR[
M$(I]$1.+)=-82$EA_!37=[RD0NL^SU_B3ZR1CT(<=P5;_!\"89F]+U)YP!$6
M+UO;KA\ISUD']@M2%(]L#Q&H1QO_)8Z4(,S+Y/AA?A`KCH?_R5VY:(D_HRS=
MB$!DNGZ"?T^76]?(UF>1RG-ZSXL2W]D^_C_4OG!?K0;T68>J>&[LKFUV+1W7
M1SLHC$E7`M>'N@3DB@`<D&&W$*T3SXZ#\)'O2T)T[Z*'O*,_1.[F-@DC1.;J
MV&7)6,(2S!('*4X0,9'"HA5[[",J_O=[%,7D%\7=;&TW++Z:D>7/X-'VXD?E
MLQW&?DTUJ<\&LJ7S%5F.,)_%4Z^K1MUS\Q\+Z[F+=W\(Z+:`PBVC8=3`'S<B
MG/<%[=5W,;GKEL(6FD17:]O&V\EF./&62HMLQ#?OBW5M6%JVR+IEE"":=]IY
M2\MKQ#7O2\/Y+LSUSAH.`AZ75U<+9\YI=7/+*J]N?Q6MUB<2R%PO>'MX?<W"
M-Q4)8FX:>C_9F];"EW-:W4)K(WK-!F;:>&E&SP7.C)T5'K8OC204>67&PN1`
M0I&79<P61GL2'M;B:>TYPFF-NK4#HW^4%M<>(9S69UHMM;B!?B+OQICMWN!Q
MV$H?5)'&,Z0O=^=Z>75'ZDCM*<+M"I39SA*/]6.LVJ.$TR(UH[`U3YPE=KC\
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M(?('EFY<!_<H]`D+\#^BGWB-/G,QKY57^=,?Z:5(CA.2C/?#'?+QP\F?,"7N
ME.?V"_+46YM#WJ]TO0^Y@R>^LV/%IF`I=-L!=MS"D&3A\<J?W[Z@F7&;ZCS9
ML1?P70)^JV/[RBW"]+8C[-;>>H\*PJ*Q(<?RM?*-[^MP^(&4C?U(7LCWR:Y/
MI(!&!C[FG^O<<7X!IA+ZN0TB6HL(&,/XO@'])&(;,8ZGDIB+)]]78<:6U`W=
MVUZ"^1VII%1D*W\E=ABC$$O"K1VY^*]+=(^\8,LR^)B^#7K&=YUU6LM4Q@D2
M;XEE-XDPL7Q2L","C$@9`IMR]K/K[VD/^:U0>/H<HG.W"*O[EI0\@B3"NTZ)
MSW<K9&6V0EY"PD<B0F0UI-"&10ES.E<Z)21'"UGN-CU<4B@EE53F[.T6GQJT
MNLM9(JI5B&V;`Z3A?*C>558<I^W/Q=WS]"M:DR]]0=L@)%]YRPB(M;+N(.UY
M?Z+D!VFEYZ5\LE[IDVNM:$;0JDV)O-Z:"1`W<WC@#8SG].:ZF[R"GLI##<9*
M*^DM<6TAC?M#KV?TD$U]FK6'_0YL;.W'HH":%LB=]//4D.$O;4-L!MVM[9$S
MW%_;:T3*M.5*/_E&B`T0?NXJ2$)LCG*2%DT)44K2E\H_OK[YJBH?R/_]\>8K
M?35?J_,'V]PG%#\$X0_E(PJ=.QL_+T_S/>?\OD\?O_)]XHMJ];;?,<'W<6^"
M$',8'RO**O$==G[R9V/NDM<.A?:C1R&]*FO+H5H1%^J23^S.?N7MD;TCK19$
M89#R1Q@\X$@`_R?9<ND2*;N6D?*`/(\<[ZPE)C,$1>>-8H=I5]*2*77.V+VA
M!O(_-MA1TU;`[T`_PTMOF9G#;EY$[6@FLQ'RD$-1*[&#B<TG-D>NC^/,#24\
MC3CY<IN(+N\GDBLXB5K[Y-+'34`O?42UES[*9)S*U^7Q??++!MF7_-Y<K0_V
M_-.MNUJE1;6AOU8WS*X7*W4;<LN>WVHUEM"U6!U6,N@E"`?NPS(;[]+L(T3M
MKM$4V>I\EG<*@X0,*"$#WFZL55%J1)E9\<9S&)-XBFGWH\1>W"W#(H5?CEN=
M@?VRL[_1[NU?@]WVKDW=[#X4U]4M-+E``+!?Z=+XWSL]I#D5>Y\I7Y@18[B%
MMQG(XW39>R4C78LRU/5&W;.-9T#:A$K;`>'J<Y'$V4PB@["`:0)IDU;:CC%-
MC6[HA(<;RCTOR=$!?4HU/P7^%1WI15%,VD.0GZ"H)G]]/KZH-"K5:2$5#0&*
MRT1Q:=R9"Z`U2+=@B@L\$4]QSM4=:Z1U:/!#C./Z);C]2J37T0UFR=C?C&SQ
MC:'J1P4X(&X2@'B=4KKJA6DRK?:CG.UM*&!&VE_8IYK3;EDV,"-@1@ZL?JXN
MFL%4+\`+_`!.H,#KDZ2WIYJJ3[J!88,`G(L`U/-;ZW6'CF2>DZRD;QD236?=
M>`&Z=RX"4,]O4VN\:O<"W(T_P-T8J<2W"]^F,V#_*-E_P+F<=>,W.!L"G0UC
M#KHW2@&HY_=LWJA[E^!LU,V2G[RL.DH1;)EL,*SA;=!E,N0`_2=R7;,Z2M*W
MT@53G>C#^\*7R9#Z\W$^;4Q\BN^)E'HTIXYF!53)'I!%&??#7A*4B0()!WEN
M#@Q6H;=\M]&/TNN5L^5:\D;J=B[-O-N!.O89W_-E=VW?O-ZG5C*FX=WSY6LK
M-9Z:$L8EP&Y.:FPU-XMU]?1VB-,=#$@H6T6#!XEU7:MX&1REX%L0VYZT6GYJ
MVLO>DS@(F60[EBQU84#3],A4!#2B/5UFZD3KYIF)SEB.2Q;!7'.=X==4S8`&
MAY'I"*A$%Z`!U5HT9L0&#K:D"I[&`AYXIA/!Q^@&D%PJDLOCW5T"M4'`19-\
M9$U8K;SD#QF4CNL[P08-#Z0CG;\\7-.%A#`DP`TQAR/WZN/9T@6D](3<&-D)
M5\=0`-+I+9"RI2\E3C)JJFDU3A&"N,F>"90G7X>%:2)7?07,R%#]Y_H"@!_`
MC'!9O:EJS0UT%^`%`I#.H%&);/94GP$LV3C97\OM.8#HR*%W<QV"H7&ROY;;
M-=?07I:;`0`Z8Y7W=F$;,'^4S*\C5Y_;I,#%X)AQ!9"^<7*_CEQ<FQ?/T;\`
MS!RYC,_P)_YE<J,VW(`36`HE,(:/\2^3&[6YKA-?'0@P.0"3`S`YTHX!M3+@
M4T#)&0>WZYAK]<'X!9`<&=C:+A29#U_B!'8/YN;QO2)ZAS@`D@,@.0"2`Z@+
M@AJBY\W7JEQ4\#(2%0&-Z-+$/>OE@@-(#ICK`5,!JM'Q[EXPU]*K"&A$>[I,
M59UO2KUGJ"55Z`00.9PS$8`@<F$DE\>WNP1J@X`#1(Y`B!ST<XO\"#!RAFRW
M`/21$7-#</'Q;.D"4@H8.8"1([5`RI:]E#C'J$UU$+9SS@/*DZW39MU$273X
M#29DF.V84Z@I@PGAD_`W&DW(!7A_@(TS:#0BFRV=@RD=)_=KF=T-54YJ?TE6
MNK?2.OT$0Q>@=B=KWV[&'[L`)P.0<<8J[ZW,G04H'>/D?FU(U>UH`R=#W$P8
M@`B/D_WUW&XTLI?@9``\CE3VY[DUKP$Q`'X,9!">6WHW\L-)+$P3]`FHPBE5
M09O/&ND/2#D5F@%2SIEZO(/.)(T%=:%=0+48?C@.V#U8EE;OD[@`K!P9^-HR
M&PEJ/`YVUW*W^>HLP,J19/&`E7,ZVLO>>S@(F60[EDP=H!=&IB"@#QWN*9QW
M0U,7G:T<ER2"J>8+:V9,8(IE9"H"&M'I;NI%8^,PX.0`3LYY8EH`R4]/<GE\
MNTN@-@@XX.3P]Y%I!DX)T3WR$_PP'\5*L%)<0,\Y71<&X)*,F!N"RY%G2Q>0
M4D#/`?0<J052MIRFQ)E'4YWJW?#D0=PDRP_*D\4S57U,$^%@1MH7,`Q57PQ_
M>S'8D5':$4U7K4GCJ70!?B#@Z`P:ETAG454##.I(!>``OZ<C\IUD)7W+H$@S
M("@:IP#4D<M0%\W(GQ?@;@"BSE@EOI7)6TR@67B<[*]W-G2]&X02.!NB-,]0
M#6OXN]9!]T[G;%C-5QA?@K,!R#I2V2!--4]P3^ME,N1`\#\#E#LY=,%4]1GH
MPBF+B!.+Z\1UA_-1Z%@)8.L`MLZ!+F9`:>!_]?Q</AL.W.:D?+T@@0%91P:V
MMHM+.F:I0(ME97<M=RVN/1X[Q`%D'4#6`60=@&L00JBY:G3$]AMS\#(2%0&-
MZ'#OEVI,Y*H?CDL6P5SSO1Q-U>!:PK'I"*A$!RAB4S6;Q[P`7P?P=<X3"P-(
M?GJ2R^/=70*U0<`!7X>_E_P)Q:18'&R0\MP+HN@%0.F<#2P&<$-J;@BN/YXM
M74!*`4H'H'2D%DC9$I@2IQGG<Z@)G74F4)Y\W6S>#0U>=/P-)F2@2H4Z-:!0
M`4:$3]+_J2Z%"_```41GT(A$-GNJF7"KRCC9SX/;4GM-LA*^E=X9L^&G+T#O
M3J5W4[V1VQ?@9@!XSECEO5W8-@&DOG&ROY;;EERMKZ,D?"N]6YB0<1TG^^O(
M934[E9?@9@!LCE3VYXF>6F"'6""M!9S#<NB!INKF\!!VE\F0>OIK,X#,`<B<
MB_!W!YU-&@O\0BLS_ER;3VN$[=1F'!C.RY3HVJ0;?SLS%S@KB2I;U@Q4>1P,
M/\#?9E66&CQ'EVO^4^CBY03/$;IE><!V.BY<]L[%0<@DVU&FJ>;LF#3;L"(N
M:Y@T$I4"#>H$)MX,H%SGYHO=KB1@/G`<2"W,[6HNJFD<TUP&Q\&(5`HTJ!.>
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M9P>%L>WZ2H0\Y,1HJ:PPQWW'M3W,[9RFE/L5/A^Y2K8J+'K<GQ@B1`77QY15
M-O@S=Y&"_"5:\GT1YW5CB8O1YA9KHE&]UZ77DVL04K8\C">3H?0[Q<'AV=L(
MO<Q^*.?O*AD^?=\A`<BVMJNQA*[E3("8\@8`LZ$!0)OT$2('D=/N"3&:5.2(
M9_*4&K2/S(Z]J[5C[:)F[D("$B*'A'PB!UU;`6DLN;0VR`.8V;'@79ZBC'B4
MV!^ST-,+?]EO4KM:QI&V#0#[.]J]_<3&^)H+V:]T:6Z,W^W4%^P_NIY'`GUY
MNS)DPP6_/.CN5@EPDCHY/O]]3O$,2-OPLXT3K5LC_S!'/0C+J84%3!-(F]RF
M2?R,"_>\Y)#HWH%_1<M+*(J5$-TC/T'1\`C?<N:R^JF4W/C(0'&)D+J!UB#=
MPU'\`A`1`.&[\W9D[VJ4.+XQ5/VH``?$39J./WGB&4.=3*O]*&<+8`%FI#UL
ME6I.AX?+`#,R2C,R5Q?-.#@7X`4"RG=?=9)5XEO94TW5)]T&GD``SD4`ZOFM
M`02G)+IGJ--9-UZ`[IV+`-3SV]0:;ZBY`'<#T+['*O'MPK?I\*B?P/[3.1MZ
M1_@)<#8$.AM'S7Z#[LDO`/7\GLT;=>\2G`W`_);*!A%TE>%MT&4RY`#])]UN
M?8#S6)0NF.H$$/!/>C[.IX#[#;C?%^'URMER+7DC=3N7Y@07UP.[!^N;U_O4
M2L8TO'N^?&VEQE-3PK@$V,U)C:WF9C&I\;XE`P\2Z[I*B?<M39?]H/9`I+65
M"6Y2ZF/)4A<&-$V/3$5`(]K39:9.M&Z>F>B,Y;AD$<PUUQE^3=4,:'`8F8Z`
M2G0!&E"M16-&;.!@2ZK@:2S@@6<Z$7R,;@#)I2*Y/-[=)5`;!%PTR4?6A-7*
M2_Z00>FXOA-LT/!`.M+YR\,U74@(0P+<$',X<J\^GBU=0$I/R(V1G7!U#`4@
MG=X"*5OZ4N(DHZ::5N,4(8B;[)E`>?)U6)@F<M57P(P,U7^N+P#X`<P(E]6;
MJM;<0'<!7B``Z0P:E<AF3_49P)*-D_VUW)X#B(X<>C?7(1@:)_MKN5US#>UE
MN1D`H#-6>6\7M@'S1\G\.G+UN4T*7`R.&5<`Z1LG]^O(Q;5Y\1S]"\#,D<OX
M#'_B7R8W:L,-.(&E4`)C^!C_,KE1F^LZ\=6!`),#,#D`DR/M&%`K`SX%E)QQ
M<+N.N58?C%\`R9&!K>U"D?GP)4Y@]V!N'M\KHG>(`R`Y`)(#(#F`NB"H(7K>
M?*W*104O(U$1T(@N3=RS7BXX@.2`N1XP%:`:'>_N!7,MO8J`1K2GRU35^:;4
M>X9:4H5.`)'#.1,!""(71G)Y?+M+H#8(.$#D"(3(03^WR(\`(V?(=@M`'QDQ
M-P07'\^6+B"E@)$#&#E2"Z1LV4N)<XS:5`=A.^<\H#S9.FW6391$A]]@0H;9
MCCF%FC*8$#X)?Z/1A%R`]P?8.(-&([+9TCF8TG%ROY;9W5#EI/:79*5[*ZW3
M3S!T`6IWLO;M9ORQ"W`R`!EGK/+>RMQ9@-(Q3N[7AE3=CC9P,L3-A`&(\#C9
M7\_M1B-["4X&P.-(97^>6_,:$`/@QT`&X;FE=R,_G,3"-$&?@"J<4A6T^:R1
M_H"44Z$9(.6<J<<[Z$S26%`7V@54B^&'XX#=@V5I]3Z)"\#*D8&O+;.1H,;C
M8'<M=YNOS@*L'$D6#U@YIZ.][+V'@Y!)MF/)U`%Z860*`OK0X9[">3<T=='9
MRG%)(IAJOK!FQ@2F6$:F(J`1G>ZF7C0V#@-.#N#DG">F!9#\]"27Q[>[!&J#
M@`-.#G\?F6;@E!#=(S_!#_-1K`0KQ07TG--U80`NR8BY(;@<>;9T`2D%]!Q`
MSY%:(&7+:4J<>335J=X-3Q[$3;+\H#Q9/%/5QS01#F:D?0'#4/7%\+<7@QT9
MI1W1=-6:-)Y*%^`'`H[.H'&)=!95-<"@CE0`#O![.B+?25;2MPR*-`."HG$*
M0!VY#'71C/QY`>X&(.J,5>);F;S%!)J%Q\G^>F=#U[M!*(&S(4KS#-6PAK]K
M'73O=,Z&U7R%\24X&X"L(Y4-TE3S!/>T7B9##@3_,T"YDT,73%6?@2Z<LH@X
ML;A.7'<X'X6.E0"V#F#K'.AB!I0&_E?/S^6SX<!M3LK7"Q(8D'5D8&N[N*1C
ME@JT6%9VUW+7XMKCL4,<0-8!9!U`U@&X!B&$FJM&1VR_,0<O(U$1T(@.]WZI
MQD2N^N&X9!',-=_+T50-KB4<FXZ`2G2`(C95LWG,"_!U`%_G/+$P@.2G)[D\
MWMTE4!L$'/!U^'O)GU!,BL7!!BG/O2"*7@"4SMG`8@`WI.:&X/KCV=(%I!2@
M=`!*1VJ!E"V!*7&:<3Z'FM!99P+ER=?-YMW0X$7'WV!"!JI4J%,#"A5@1/@D
M_9_J4K@`#Q!`=`:-2&2SIYH)MZJ,D_T\N"VUUR0KX5OIG3$;?OH"].Y4>C?5
M&[E]`6X&@.>,5=[;A6T30.H;)_MKN6W)U?HZ2L*WTKN%"1G7<;*_CEQ6LU-Y
M"6X&P.9(97^>Z*D%=H@%TEK`.2R''FBJ;@X/87>9#*FGOS8#R!R`S+D(?W?0
MV:2QP"^T,N//M?FT1MA.;<:!X;Q,B:Y-NO&W,W.!LY*HLF7-0)7'P?`#_&U6
M9:G!<W2YYC^%+EY.\!RA6Y8';*?CPF7O7!R$3+(=99IJSHY)LPTKXK*&22-1
M*="@3F#BS0#*=6Z^V.U*`N8#QX'4PMRNYJ*:QC'-97`<C$BE0(,ZX>E/&PME
MI5#QE]B^]5#^V]*]SW[>9JOQ7!]=I8&D/J&+_B7[4-WG2X0@N71W]?AK^1&:
M<3W?/1SRS';B93]Y;O'V*$ZI[P4/F)ZVM[VS?ZUYR<8.UYB^F(?T]$E_95QZ
M:?0D=K'DO(RPIZ9%/2$M)^`G-543E%5`/AFC,$)K\A'%=F+WWHT?KZN\\]S\
MQX)(&;?^]DL27:UM>_ORJW.'EHF';E9?V3._(+S6V/77'WS\N@U]\^O']!^_
M81J^]@+GQ^__^1^*\K?L(1_(FE`4O_*7;_%ZELA??J`H$3=;A/=-JB3N\K=G
M']Y^U_29^4QQ\$+QD[Z@U6_/WG^Y^?C][[8_T;[K$\WX_NWF^U>T-2;LMW=^
MC+?WG0FKN;#T[^D[OW^-,4')FEXG$9:5*$J7&+WZZ4;?[9_;[__X^L8.EU]1
M>.\Z*/J(-K<H?*8DOLM>_(^O;Y\I2^2X&]N+?GMV93W[W=3,.7M50:"G]]:#
M%M,F6I@[M#"'IH6^L`:EA3647-!5,96RO:YDF1N30:DR&TI"^E%%GPY*E?E0
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M#N^\T;LZK>.A&7AYV:9;[>LX$@SF>_6QXX9A&0/0HM%%D\9E,35C-@`Q!O'?
M^@5>NC8`'0;VZ_J=@*8^FPQ`D\&<OUZ*8BQFNG!B8+LD;XBNZ=9$O*TP)@-[
MB4<>(I8V'8`6@Z3PN-F+B64-0!/Y/4S-.D9/,F<4?X+E]_X,HJBT;XG]2WU:
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MXFQ>V6)#YNLP%P=SM/K-VK5KA>]JP@9SM7IM7C.F`U3*C<$\L)[$.*HW\2C3
M/IAW)FIN0L!8E&$T^G+2*(U^N/^>0Y!F-'I[TA!!TRR.J3>ST>.31A\T?=(Y
M%5-__IN#^7;]-FQR<07,P1RZ?JY`MS&B0ZQM=.WDD>5.K&W2W<'\O%X])].N
M">3#TCR8;]=GPT>.`+8YI\U&?TX6`ASMNG3T;LU&7TX6:FCZ47,%;?1_,*^M
MW_YGQQJ`5BHQ6(ZN#Q$J65=N*9OI8`Y<KVZ\;H.S!P[X::/O)LM>]4DUQ]X[
M,SMM=.1DV7IZ\O%M>Y\.EK'KQ?6:J.PHKV[:Z-7)5B,G[<!\`K-IHW,G76M3
M36?3$?'9=&"'KN=`O'4<1$N;<WPZ6&*.B]@??:!WM?N#55GYD*7H)1"<R)T.
MEJWC09BC2W8=Q<4:K(#+Y_"8+7J(2\,A:@WL*?:E@]6U;_2P!`SL*/8]4;HA
MRQSP':R!7<2>?84UO;.=)SFL0=S$7NV$5WH54^8XG]@:)/'7:[.E+$__JHPU
M2-VVUWZUFOZCH_Q^:Q#'KY\@:]5>A6.\?6N0A%U/,6Z7O>[JEPSBK?7:^;2/
M*W)PX[-!TG/]-#G+VO!E^6P0%ZP?R^<<6-XF6)D-XI1Q$O\A&DYF@SALO0A2
M';?M2I`_$CO$KB%"-[>>NV977WRT?[J;9(,E*HB2L*PN>_[<JZ_?;]ZWDXJZ
M][Q^_&3'^`6YXTJJU'CAWT+['GGI@LEZGJ#$AT_OG_UNIMF.'6JTV%T?<DS%
MD:/RP6^/6]1*+B@U-%'$>).$(99=S*GP$0O3/VTO*5/$DE)`:#*T4O%MN[W>
M1)G)*":TE[<2#O"CR6&MF=>1XRUR#.TI2RI41A:GL2$+<=3H(1R+DYF0_7LD
M9!$/.LYR*A.R?X&$)%)"3(A`LWI0:?;OC'C:HCZA]],3R;K!<1^T[;92\AF"
M&[5>89-P2LJ-6G?NR'U0?+V>QRL)^*@BEI)6:9CWS?Y96CCO3-R[OQ+\D3?!
M9AOXE4#EE>,DF\3#'R5&U(\\NHU7^55Z7?Q3%M0>WN,N2P]\KD0(WFDZ\80H
M"<>![764!=X`).))<&6($89&:!(I*5'Q+QI%XF!*FWXKC_?W\_;U]SKT2&NT
MI<LG%/_##Y'MN?]&RP_^/6*4^<-V?9*?;BDK3X]8U&V_4*)6']]1J?H+(<Z$
M8-J.<K7=?$=RX866R,5[G&-0^=*[TPN_=U<AWZ+0O<<?N$?9NV_\XF^[Q.($
MN%(\_H,?Q6%"-O[%C7[LT.I]$")W[;_[2:K!:_0&OS>TG=0TY9_Z'[1<X[V]
M11'^++-BY8=@DBS3?T++O:\R>N2,^S-PJM^G%$SM6$M7H6(6GR3P\?S@=/F8
M_/R@L7`0Q3<K$A&S+[9M$-CW7`3R@Q/8<G<B/BF5E5J$0"IP0A'D3H5J1D0@
M$3C!"EZ`:E:R``*YPBG>D)\K1Q]@\[[LR.J&V`6Z3:^G?^M&CD>S'ODM\26>
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M_"LL9U'@N4NB3,J_`NPM*_=8<S#%5;XKX;RQ/UY_4_[^3Y42+G0C4O@G]%P%
MX0:%"NN@5#+%4UBU0'G.?0U\'_A""?*"AA*LRA+"]T6J<N=&<1"ZCNWQ?;+W
MJ(1H&X1$G![<^,[UZ2XX$YZQ]TW`]['92):2'=;*\S_>?'VA1*S?0U5L?XG_
MIV`K0R;S/<6QL1ZY>:1ZS5ECOI4,!-]'W]D1YR>&*,9'(6:ZS?G!TXG4=@CK
MJX-9KP0//@JC.W?+^?E9^D)J(J1*SFPRYV<3(T*5#I_G&W)*24V)E>V&RCVM
M2_%]<+"2>M_QG8V#BE16R='%V8W9;L/@)^4_/F#^%]^'+R:\30S^J(?/<%5Y
MN',=?$)$BNTX0>)SUF)L;;&_HV!;3O2#9EF5#8KO@F7I4.+,";1:(8=$.9R?
MN^<;<Q8??&[G7@DV5GR??L-;E5#(61[M*$)Q-8+J]]"2=_>F'$2\MCW;=Y#R
M]0YQ?^GU?]N;[:__I5F37S\0/XSE$:@6<&<"YR=27Q%'6YS7&;JW"8D7.#,7
M6_!SL;+*UG:)5N/@5D"D05T:WL&7S?>!OI+X(?($.$?L&,':M0Z#9*O<!=XR
M$D#E$&UP\$!B^(N,'3A[BGDDDOEC):M)0LI=IK)_F^O:[%?>,6%F\G(CI6`O
MCLPT,!G:AMBA"Q^56SO"'A*QX>5\1VE9G)FX1)@LFS01FZ59\O!"7$"`W^3&
MO&G,7<13H91:<>I$G.L+"H6IKKPY[TSSZ@TYY3/+6K_"L05VG:/$BS--B4/>
MQU>:GM[-B"_13FHZRR]P?C6*4^=82,3A!&N?-+.07#M^TQH?<@(\*TNW!'E6
MSSFOU)PL!*W47F$[H,3VSQ=9T,TY"V7S/H7R>)3[DXG"+I.\XL,Y24["4QQY
MT?*IU(<$=2CX/A+;H+\2.R2BAOPEYMU.UN*:\P8^AR[9`@MKRN8PMY5.VG.N
MV!N272*VA=2DRAY=:MV(/?)<^];UW-C%KW[`IZ;B![%"?)Z0U#S2]]2X7\H*
M^TH^+8QL@\@EK[^&`S)]X+>S"#G3NB)GA>5MN!*L4Z&`\#(39GWR*]\'O]H@
M4D+UE7<_MW4M"OVH>Z"*G>]&X[P;Y3;$9D)5MDD8)39^$#8)M']@B</S\`>V
M'P[MT+?7(>(L2311G0:'2^7VL6R*]J+7S#\D)4S;BP)LB4D(D&:`>%<?:?>$
M*R#!%F4E9DI-NG]BHQT4QM1+%)`%#G*(A/R=$<WBEHIWO#-=J2QQ9@J13.;E
ME2,&0C]1.\F$4PE\WEZ/[5-F,TYD_"_$@V[*CK,@S.6=.DP3AU=;[->0W@T'
MN??VK9>^>FL_TE^N23,"=AFP'XS=AL)K<#'IG7C/>5"629@UY#AL.B[WF]+7
M9=](>57V-MA&:?]+N1N&'0S9UPL)KO&Z"A?BE[0+KFC=:]>+UV=`QYSPAN,9
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MBPHQK6&(29=%,M,L2GM)$WCDO0W)TD/S#&>6]]U+_45Y[/N\%`B_H*V?RIKE
M\?*8WDD_2N/ZO"7"P5O$1B-,<S*VXY#'XC@9?X*4<R)5P3:#;(R%YJ0&$[K(
M=V@[!7X2\D.2$O'(T!3]Q&WB>N3_T_1AE-!'7I?G"@1V?VQ#%YNB+:D:I!N@
MBRHR&R%2G#M,7,0R7R%:NC%).-!DF&.'R]TOQC3[>95E`/+G!*L5S?]A2I$2
M24))R+;/-D[?%21I=N@A"+TE[U+-N[PK%CN*CXJ6M;'FM#^T>$*$?`-W>)5K
MEM.JC&;Q7>_NH)=2$6;.%8T#TU@L^?/B6LDK7;O4(X38HV`Y)41K6'B]]VZ0
M1/A[#W>!A_]#FD.X,[B<>:99YU6`]95(GZ^LD9\G5KWTSDXL"5&0A$P^E9`!
M_I(/Y]:`=3VY/A$!FRKG'>GDYERM]8D]I-JP"6Y=#V7ZQ31DA=`57D=)(`\;
MAWL[)'1N4&8LK,MT=Y@-F)O8,<"ZB'++QAK.J!USO&1)")9KK*I$V+'R2DJK
M*AMW23>T3"VFF]HUCQH-)P7<);)`EQVAIL5Q[D#R"GW-*$.:D7WD[>QOZ8;8
M,"@;V_54S'[&C>W62SU"_-F8;(9H>/I1EO!UPRPC&]DD%[L*PBP;G'X.ZRGV
M:TDY9HFI'-,1R&H75+M3=5SE6#)K0>67,&"G-3UWCY7"/U:BNR`AQR1)+MMT
M/``+Y;\2GS50Y/61H@@>Q9P;H+*58+')0*1I$2Q$Y&`@O?1YGWU5+U_Y?H(7
M]86VDQ`+@Z.,C:)-KOY/WE+YB.RT88''N@ON<;:Q;Y%#@R[%T.2>/28!*.<%
M/N=?]=X1#+Z/?@&&AC52DRK81MEQU`H[X?ID&IUU&5,%=J.TZXL6KTGWS2U"
MV`'`1T5,7)8/3,N#K>NGG<EX.?8:I</'O">U\<F193NBK&N.;,5E$WP^6;Q'
M*H))2,MYI8\K/B*A!.G>IA-H"FUSCC*CFK6*9@0B@4JP;$$G%5,&NTZ4+!M[
MB:ZQ^-95`_/F.?+VW;>PXYX0-ULCI@C^S)(>N?>(^6/XH9QM>-'!C@F`CVAJ
M=4%/OM%&?X1]F;S=_H`81,61S,Y@(A5DI#$+ATF+&Y'#-+`D;A%SO8F[2<+E
M;3K>1YCP#Y_H%#OGJ?2D,0Z..EZ]^OP"B\!?">925%(QXK)N[!_%+`#SM^P(
M>ZA;)G<TSK9IL)>6HU,YY"M,K)V/+IOU[ZGEYCTUCR>R-`!V`]6\_6&9)_RB
ME-J$:K3!I+87,/.=2Q0N"(!=$"_;["T9[?U7LEQG*EZV3K<)?KX3)]1B,)5U
MJ%^U=$EX"XKP)NWL"/>2PI1)6QH`IV92C"SM&M8T6T)4+&O%R#HUTE5L2RG*
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MYQ5SP8B2+<F7D6+`)HAR+SHSS#7<SMR8U(<GBW]P218-2QGU4OBNEB:X;1Q6
MAEF6=B:4,EG&U8TR(F#50&2:DJ5;:8R1=B"2Z"JC9#D#1SZ3@F*0`4P"L[;)
MSC6548L>7B1(B[L<2[1HD4L(%5FBE;27$_N>FYJCBG,2@Z,+56V4Y%UTWK_'
M+>V$:RQ/:[6=E,++T]7S<'&"XK0^N=:F175:%UZ>%OP"T<]/VW"Q3)T_6.2>
M\6.#,2R22TBI`?VT\P'V=%J"7ASHTX0?.R92$#OE^8<O7U\PQ\'^J=@)-H4A
M&P++Y@P4ZB&$67DE8C$S_M=JCSU)7!'L51H"X`WGY;G",+(2$GD7R8!DBR^O
MF+P$?YXW#@_)OY1?<T_!!1YQR!JZT=)U\DA&P12A.RE0-YGI1]YRYPE[$(P[
MX0L^ID,R-H?W&2+LM/@L`<3VG)6&],ED]JMR%SQ@GH3D(%F1,C0.HMP-^WCF
M0+&OI1RFT1FM1]R[Z*$8B,'+IDG"S(O:'9@N'9)\Z?I8P\)B13M5!MZ..^^\
M_63.>8$9H[D7&+AU(V7`29>>?RF;U%ODN8ATR;BQ0I/R=H1CDEOL7&*G+W)O
M/<0R?<0J$&B=?(Z?:/LM\M'*+?);R"'?1V4\+!_30<$G=NX:8]<POHN(UF"K
MLTE+_7PYS!M48"X*5"#O"_(H-<KP$EO.`6I,4O$L(QEXR5ZVC=FKPJ93YE+'
MG<7X65D?_YF&H,7!R0Z1)Y_"8A#4($$TT*1!2C;D3>?V:6:6!KG9\9`F>6DN
MS`M82U.:[K7C`EZ'G%?V3S*P16O)&\1&.$DC@>LDGATJ_^)+X=+)2I96/FDQ
ME6Y6`H9YST;.,3,.<EY5=A$MI2;15.>-VL'W<1G!6=J&)='2I#>SXJLR%,M#
MT>WA!.&2I:NB.SM$!-T,[2IS"JI)\RKT>R37G6<<>(NV^)[,QME*OJ^B^2?.
M-5:2?Z(.-^9SX]SGY;@T`IBV0V::X.;[$L.\YI;,R*:S4R0]HJC<%VL*6FP6
M..$8`O%F)"&$3VH'J>?)64PH^`W?9WXEY7O6_L49THXWFC!)-O)>(>GF9)KG
M<;[J@3FKPRBV=LT[OA:HV)IPQ>9\^E$SL:_8W-HZA;EG9Z78G/LZ=Q6[R(Q2
M!00Q`3%)29FV645I4UF6K2BG`)Y,-]AD(L;SR'_94\CPA>W1)C(EK9F2Y+OG
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M9,O3(JT;EERMXL`BR-+WK-I->[G)Q"BUI.3F.^^14/!?B`&8K0-\8/JT-\@3
M@@:])G`30<@[VULJR]+1PV+H9&V3ZCYA*6D30Q').^,-;P/DV_2CM"TO)0V[
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MHMAN!=M\5+)!SS@;X[K#A*H,:X5R[(3,$9)IY[0G"AN(O#\J-<6%]M`41J[P
M]#E$Y^B,6@G6)24^9Q>43BV3ET1IFJ0T.HDY75P'%=(;!DF2)6L-8PTX*G5I
M&)0'_BMOB8`3Z$#C;57:&8?HF);#^S(5_(E;VN$9T^8]A03(!$7'(W-([FI%
MYRC)3*3"[C!*>\<XNZ^LP86WA2,RG<1L*)[M84/#FGPBN$)JM9QD/GB0JYDO
MGWO/1&:B<E)QK[.:Q>;TXRAM?&,MTL_S.1XV84S:;SQW0T>[.<\V!2II!]]@
M8^#9#YBM8:RRN^LP8XGG&;MQB'6$C?VDJ$6$-C%B[6]LQ2]PA$URL'@+[-A+
MQVCQRDFN=I6.2-L>H6T^1_0+MD:)[^(8/:4YIDT0TD[#_W='4)OH,[,\S18Q
M_\HF]TE%\0XAT^$_9LWLC;W&&Z<K*[K(<]E5R0`W_@I"/[B?SIRM=>*SC;F"
M1NT)OS)RD9,A)'V5"I9O?!S;Y.C%[LP:Y6);4@R2(']WCWSFI>X></L,J&,8
MQ:8B`Q?+]$J?[+/L*:EWAM5KO48,&"B7ERC9,O0!FN;(^FC576&ALVU$;1X1
MQ1I<\YZ;C"A\6+):N8[+!O2RGGARF@:4ANF22XY+.HN'ET^R`9E:E)-7%*6`
MTIF.U]*V/N3;S$LOZ$?^FI[5A`2UAS6$<RQ(WY$))@N]N<?9PVPI"[S1W+BG
MI^U=+2?1+)7<-M*JT#'_D-AXDIY@;0)!W7G<&%!S5G/.)"I<;<ZL#!EL6HH(
MRCNLK2:+>%\T2()RSK1.$QHUDR[\,RB81*N$S/!G%6N"+(784#2]L3WU_NSB
M*I?]X)HFAVEN(J;_[](K9RH?8^G`%?WP_IAB%WU3=X;L]P,_5^Z1MG^CD+OQ
MXJTUG,<1#,EO]<[&$5)QYYXAY,QOK(K^8XT2[E[4Q'D7N7]*0DVBK&OLBZR)
MEC*M"U$:-Y7QN7;2`+E:[ZLS"\#36G"Z^N)]K-09*0SUEH1M.:Z$?6^[7CH[
ME;L>Z?J>2@<IRP`Q1+]\Y0(JWG7ID(W]T]TD&[:*+"7*$HI'E86\'#AF?\\4
M*H-@W&;)%OS/U,+2_]((?A?_B\0N=`:[-#".Z<P2-7OF5FIG!>*'UYFZT+G7
ME'<__.#!0\MUACW'.1;X00217NI(02F7Z;@270(I0+'\20ZIO@.05_8%]H9]
MB9*RD4@2/*H$YI+%^_YC5L3"*K,ED,J(9?^S'I%@I=)/9?F7??TB?LLA[6(A
M`9LAV\=*HP#.4=:CGV.F<?:+JZ;C``XCZ:MQLXE.S_TK<?&OC]?*_V0H!J3D
M0"0NRX84P$P,5**HXU-0\]3R,J9@PY":[21VTD39SH`J^W1:4+A%K>XG+BZV
MS$P/`R4M/38%M5NBC'D$/8%[)BG'_R%!;)#MF7PPSQP1,TWIFA<Z<1P=I17&
MG:;.0[OEG.!.;Y[A?%RQH-7.T`2;+&BUA[1;9^AN5VGI7I]#U_*0:W>JUP]I
M>]?JO?KZ_>;]][\GOH`;APZM[*E+AZXL=H->?N?@D;O>)=G_H^<'6K["VHU=
MK4^T:_!F]97,Q$8W14&?W%[CE`A6>\E>Z_N:2KNDT[=1Y78E;3*?[6^TTUI[
MW>*IU5Z@U[K-^-37+&K#7^.IU5Z<=R84,R=#W^.I-5Z6)SFYKF9:9WI5[O'L
MJI&GNEJ/CT9.%L-KY*FNU#M3C6R\#4]R<EU9B^,U4O3=COI97XFM[=Q9+/JV
M1^)@OT44?30J45"K<T];$>V][8;_M+T$O7[\B&SB.Q,2T+L(=\CVQ@Y#DOWY
MDH+:OZ(EZ/S;A>O=BFJIZ[9C\,I;VQL&LZ,[\C_"UWO;2UW_]PQD[WWB+Z.O
MY,JE@ARUWKK$Y,BN5=^A1[M=]Z2444>IM\@QM*?LV&DHI2TX42I?`(X/R`PD
MS0T11'6LLLM7T9O`(R8"?_\;#E3?V/YKK,+D#K,;K+=;FM@JD]$\6N#>XA#X
MGK99O7[\1/&M*?6P+?G^*8B_[KZQ'8FJWCV'S8JDWO1H(>1//1%46R+WY=L`
M'SM8,K\];DM>J][/S2=A\-7__=LO^R_8RWK@KRU=,C1^CXJ-O/M)`>B6[\-@
M0PZL)$-LS@Z@SRBDD3-3V-*::SWM[E>@]US6Z\?Z!^P8GZ]QX/RXH?>S5+A_
M,+&PESWA03VQ#*EUY+O[3Y(R1#\_AG`*%8`AG!AB](.*!X:\+-+$[.L4BAI_
MZ28'"L3??DO>B9;T(27BUT(RM#9/N^=UML8R#<@Q>&WNHTQT6.ON5IMRY*^R
M-@`<OWW%GF9!W9V(UM#['>N'<_QFX0*7;F,X=L7\-\XM[5^S\2M-K[C^`VP=
M?QNY:_\-+6P[C]]"VX\8@,JK_,[#72+T*PXT$\&L./<<UBZ2&(UY_YX2,3=.
M2HS/Y`_TSA/ZJ<]!%(<H3F_<><T0=#Y[^"V[%.GI\S=21.]D'+IL0#A9^B7P
MF\EB5&J%?,E"4G\X8"W?A$/2>C<AM4/T/'V-5EC^=K?<F(&GDI"7F#M)`O4*
M+-W*-MUE>:TW]&J%@]_=_33ZO7WW8TX6'?:3K6Y7;(M\P0<?,Y4&S%&6[RUR
MM,Q)*M?-WWP@N5DF(N\RN,S/04A>O5,F,!N3V>U]_[J5?G&C'SN^(GYSD;;^
M'[1<8R^'.8V-S\EW_/HQ_=*7%!(LNG.W7=_`B)(GW_\,6(9[YS%4C]XQG/JN
M:1A1/!M<,OI!DX%D,,FH''!#RT?VZ!N_^-LNHVN]?T$FX$-:Q_N"MY3=0[G'
MAI0Y;Q%IM:URX%/@+]-_RG*DPCA(>I0J#NR3I#V>$[7A2/?,V$@Y,0P/&J,A
MT(8!M8%3"]9(.=&=!Z(;(\Q3-8'5AL9M:#@M>^BB>B&$D[TQ$I6]'V6W]TYT
M/\H`;C.GZM:%N\U7#0?-F<=5G*IM%RX@PTC&WW[Y>1MZ[DOR__C7_P]02P,$
M%`````@`6G]<150?QLOG'@``@P$"`!0`'`!A>'`M,C`Q-#`Y,S!?8V%L+GAM
M;%54"0`#>_5/5'OU3U1U>`L``00E#@``!#D!``#M75MSV[B2?M^J_0]>GV?'
MEF0[=FJRIVS9GG&5$WEM9>:<)Q4L018G%.F`I"_GUR^:(G4EKH2$EI-YR40A
MP/Z^[@;1C0;PVS]?Q^'.,V5)$$>?=QL?#G9W:-2/!T'T^'GW6_=J[V3WG__[
MW__UV__L[>W<,OI$&!WL/+SM7)]_V6G'CU&<[%P$23^,DXS1G2\D(H]T3*-T
MYU_G=S<[?TXZ_K33./C0_-#:^9;P?G>NLK^#-,EV]O;*GO\D83`@*7]T)TE)
MFB6?=FY)DO!739X)@^C[`TGH#I<V2CZ])L'GW5&:/GW:WW]Y>?GPTOH0L\?]
MYL%!8_]?7V[N^R,Z)GM!Q/N*^G1WAS__*<E_O(G[^6L6FK\^L+#LH+5?-ML1
M/@%_F_:^!S_M-9I[K<:'UV2P.Q%1TG^)9;<$P_\UT)!G^CQT4`6_<7IZNI__
MZR[G;(?_]QN+0WI'ASOPY[>[ZVDK,J8LZ).(OCXQFB0?^O%X'Y[9G^GRK-^/
MLRA-[FB?!L_D(:1GT>`F)E%R05,2A`F7!][U*7U[HI]WDV#\%-+RMQ&CP\^[
MY/6)L],X/#AM'0`W_[B\N;N^Z&GTO+\)``UK!&8OV0B8YB;`-#<$YG`38`[=
M@&EG21KSQR[H4YSP8:VN=VCTO$:Q7?B$N.LU"N["_L5=KU'PUOH$;[D1_((_
M\<R_FL\TX2[T!QT\\H_X69__$*0!=6DYVF]R`>N2L(AWG]Q2UH['XSBZ'_')
MS>7MO3L/5K_"!9#KB/.5PJ3KGO8S-D^5"Z^0=^\"P-<XNHY2RO\YO://-,I@
MJ+Y\?:)10B=O<J<2@W=M%)J+8<#D9?;@KDC`^'P]HPX_=15].A30Q=!4U:F]
MB!*?<F$(\N[MQ=8V,!>,F[QL`Y!<#*4F+[.'=,\CZ#P&;\=1$N>!-1V<DQ""
MR/L1I:F]QTIZ="SO],>D,VR39'05QB]NY!;TO$[YXS%O,N):YC.;ZX@WI-9(
M[%ZV1G`U\:BZG4K>)V$_"_/DS0WO=>%]]#6ET8`.RC>"Y(X#TD*,7)0P[B^\
M/H2D4LP6\19OSW,Y0Y(\Y"F:+-E[).1IGQ/1VJ=AFI2_`#6MO8-&D47Z1_%S
M[WK\Q#\\='`51-S9^%QR)B+_OYAQT+/!OA0@)`\T_+Q[,Q&K9]57KW$R-ZYN
M&G:%B%_B03`,)MF[Q!B[>8><@.82`7,F>,86N2"L7TK`_W?!_E8S>L43^TDV
M'N>][07<[LOV0Q:/G2BOD"]VQP;\R#[O'D&6^(4&CZ/T\ZY'*_'I'"U_L/.!
M"08H2A(Z-V:5$/@LXXFR8<S&'`;_"^GW649"&%,G<P\%%;7[Y_0<;K'KM&2N
MXXB<PI,.?WG2R1&JS\RJB*<'%^0MN25)>I'/U^_3(`S/0*V\H?EGQ_`%G*#C
M+?:E(\//D!4[A3.U!,[TV_[2W!'%E+)I/J5<F4+S'_1(;&>,\3^X"`61`KNU
M[[#7.CI%[LBM@VY\=#IG32Z<=Z737NOX`('#UM5D3:\5T.+LLX?;%8YQA4ZK
M,A]S]9RX=H653CD1&$*HNIJLZ0H"6IS%4LA=P6.@I"7SY0\^/>_&OS-*^`2]
M.R+1PHS#A6,H7L%)PA`NU=5R33?1(JEPFN/W[C16,9$]IJ20H2Z4LA^.`$/0
M4E<%JQ9MR<16!B@-7SEO48KE*TWOZ%/,4CHX&X/LEGFLE7YZARV/L8M(S+,P
MC%^*PD\;F-/VO<-##!&)I5K,4W%+P*MBCCV/$W0/YGV($"XL_&5\F+JCSW'X
MS(?3-J.#(&T3-K`$+NF14X`A$K%4G;D+**G8RB^2KP_2JF!<40HCK6S3.VI\
M].>)TW'Q*F87<?:0#K-P54P5+JU..-`31/XF48;8MTR08OO&N+18CU.CKW$Z
M/ZK]SN(D4:"H:M([:F*:`$F(%ENC&!?&H=R@$M63:772$65<S*`0LQ!.85V"
M5KWC0ZMQO3)BOV7QD-/*U4+">\J>@SX5&;WH<2X/IN%7REIUD"U&59A[`\G*
MN6L[\CC:=OK][(E_\-[4WXKY1WO'1YA&5RFUXO%U%5%A:,WW:6A'[M*F$%7<
MT1`J.*\8R?B4/4FD0U9U`RX3IAA-RESUH"7#I?A*;[LU6:WR5%M3/!YG45F)
M*+.BA0>Y#!@64;28$EA/!1YD96*NK<;=,L?D';3L6V8WRX]R.3`L5FBQ56TY
MU8B<K97AM!UW$^X+VI]N0N`Z^IT$48?!V#W)P9W38<QHE[Q*;$JW"R[W5DS,
MCX03<S.D544.>WZ"4X.]5V[,Z@MAWVD:1(\\EAG'@.2.OO`9`N1K8:8PIN,'
MRC0B/+..>L?'[ES#2,Y*63"8NRV)XEE>%4QG,SQDUF05D2JLJ7BEEC$5S_:.
M/V((,VTI5-G2`DIGH2<N4_JX!@Q0LU&^74?4^>>Y1!@B3ELJJTU*@E21.L/X
M,?96A#(W*YIL1<WG2ITGR@B0N[CK5;@6H=%'[]AN+UFE6_P>Q@\DY*'`2\R^
ME]9R2U@:Y6O!0+3,H76:<WDQ!=H&'%?[BSYF9)GG35JHNT"]R\@S#2E+VB/Z
M(X,EK3Q?5C`ML4UY0RXCIB#>@-=JJ]1!BRQ!O4E[]%E%\<R_2[`$>Q6S>Q+2
MV0DK^9KL'25A\!\Z@,`8PF*-=7?C#CD!&,(J"Z6)UU]L64"65]^D$[@+S/(7
M:,P/%I[K'9]B",@L6)-D41?!*=+O7DHK=,_(\^0`I8-VHNF)62`CO8[H<$A!
M3!I1G6%1OZ/>Z:''/>3M$8E`JF\16QJCEB3/C3!)69;O#V@HX-MVR\G`-!$R
MU:+X`U&/$&1S)3]>XG'6)-->+O#@FMO2]1**.DXBZ953@6G^9*I#.Q]1\H&Q
MCE!XL*TG,^X&8UK*TCB`_SKL2\Q4,SI1LUZCX;.\5B06GX)S_8O2J9JM.394
M5;<*'8B=2@\GLCC$O:$V$:*YX&-#D@9]2U1E<T"'82%`4POFIKH$5#$9PC32
M6RS&NS<Y`_/B#/O<2SHGRA>2%@F4?U/".I&!ZZ\TY:A0;2&M8%S+*43`$`_>
M9K;G<Z.GD.?N2VQK>[PIH,(Z.!>,6]C>#!BR$L\:MN?QI!<QS_PMUB-?WAB0
M85KPK&#=QO[FH"$[U;6&!7I,`PJ9OHHS9FN`T!9P8<KH57!N87]SR)#5*=<P
M/X_Y-3'1P;/U^`=M`1>F9%D%YS;F-T-6F-_'[3<_;'''V3"EK(X-+G3`$:+:
M9UC!OJ$A5L$KK/%D"T)S;TN,FNXQ4T[SP*-KE'6.YUS10?18IF(*Z?)%YSGK
M4&`RZXPC;V!RF26-B-W%"B:R@=S<2AONRJ.[HX`-H(CQK4U9.KG8@2:=H=S*
M-%J"F)BB\27ZJBL[]#`A"X,L[,=='?&,L?L72I_*$TNT[&:A!8B%*7I>HDME
M+U58D,4K%G;B,4R6C^R5[JE"9M,EL(`IJ%[2CNV740H66:+1PFX]QM=RWN\)
MG+%7SU"+/@`GIGA[B7];RUQ$AVR]Q<(4W=7>ED2=18.BHF"VWVMR:F-QT:+L
MZZO?"1<>55G&$JG5'V1C>'C":.E5K.BV,%S0ASDY%?Z@VPW7B<_4J%S,63KF
MKR`=!5$GHGE*IJR0J\6!JG-@!M-@;ZA1\<?`"2V%$Y\B^4IX\!J/:2M=#>9)
M3*[`[HC%V>,(4IF@R\2U`RG?P_E"E1\VU'-]7])EJ-S&>O#3^I7=V7<>_`IT
M6*BS2Z/U^97L/<`7IHR?H9X=^94&0Z5?8=D?[L&O/%8`&6ESK<Y4:1^8<J"&
M&G7D02):2K?!LC5+&]0X9BELL6G'RAN5K?H$?CQF:JVF\.L@1?P"8`A3%K>.
MFAW'4E4\(<NZH7*T+<A/B.;W:^%'YUW`V_9D+^3*7U_X5449LJ485)ZX+3F/
MBHA@;9ZH>A?G#<6ETRZ4O[Z`K8HR9$4?F#S1YR765I'%VMQ/:$#;DQ>1J]EQ
MB%?%DZ)J!O<M1;X6ZJYH?L@/W`P0Y)?A)'GMH\*V!:UZC9;=UM3J>X6+==C\
MFMO^6WG.A&2-6M""BX5J;ZF<O>KU:3DT9.=&NC8JNSVG@I/X^1,_,N`0WB<K
M>%A\$L3`-!C+V1(4.51"0G9PD7/C<5>S>A._D3!]FQ[=.KF'1VY&PC8@&J:<
MK9S!:H-2@4.6#W)N6NX.K2V.!588T]Q3\'I,F4DY2]7FLPH'6=K"N<&XNS<C
M[W+N%5"X)C<>00L0"U..3<Y>M2')H2DB<$P[WK9FP]LQI@UO$ZEN`O(0A)/(
M4>_4)NU^.%ZDV]R.S;:YJ1`B&W_-S=)NAYOSDYGK6J9)5X`:4V2RI`VQ<5J`
M1)9,M;!/CP4LRL%`[U1&W6X`+:8`9TD+-0;-18#;OBOXV.=N/9TQ0,\L#7H"
MS)ABIR5=U!LQ%S'BV:8RK<KR/=<]2Q*:SHK$9G/R.UAY`%)5*SO*#CCY)^YR
MEKK5=#SJD86G-ET!$$QS"VWJJ^-$2_C(9AT;,F"4I;:7/[(@?7-06KS<$2#&
M-%O1UI'-RJH`/++H;T-V[G'V,[MI92HD;*HO?\SE5\[CU%T`2DSS'6V]B&W;
M`#;&NH!+PB+8K7X[25O&T?V(\%]O[SW/C?[*^:&#LV?*R"/]FL'^9TYL$&;\
MUUS(I).E24JB@=K_#'OK-3Y^]'IP2)]1V$9-PCF=)&=IRH*'+(6!M!NW21AV
MGM(BR?P788R(3ZUQT#-P@LEU[50JB[7K4H-M4Y1W%_)8:"Z0=D7,<Y(H4Z!&
M?0%N3(M8=FH3NXD-&>YVX59&I5]I<0O>DJ_.O'@4AUP"V9*D=A\`R>."TU1.
M20%:Y;-<[A,,"T<V9$O24!40G9U9AL+8[+(WCL*>,9P%5PP6?"X["]/NT[C_
M??8AO*,)!Y+?WI7_R[=(G?:MUSDP@R$=9*-.29SL@A/%*L`&HXS[E*3YE*K-
MI8[#8`!%6=,?D\ZP39+151B_>(LR0``H\>!_0";BF80@&(^%@GB03P@)5$=/
M_E38LTE7O<:)SVN=+_.K]CK#R]=^?HG>'==()ZH&H$!MTA6@QC0ULM"8V'4M
MB"AK$K&<KNG1&?S.J$#,6Q8_!WR$.W_[EE`NXU40D:B_<-TP'\72(,KX;\5-
MRWQ44T_!:G3.F4%U[;2%5J53M_K4E"Z$94$$N3'YSFG-V<=UI'WDK:@A(,*4
MD7*B'T6"2D9$N7T"2_T'<F?P.`'C4O<I'217W([NZ!-Y*^;#]Z.8I5W*QK`(
MK"!`JP_`B6G*Y41K8A<QX:3T%E%!RB]O6>#=XPQ-4W)8TYH(3P?:Q-3JN]<X
M/<`T/W.B9;%WN>"JG+!A6=E'[76G!QZ9F1]+KY,D@R.G.\.;.'JT^$!5=P`(
M,23QG.I+[^LD):3\-&$Y#1BYDW@L#YN?9!BXAJ@9H,%4^N5$-V*'4-!0?BL6
ME@WW?OF!B&N/T7WUT%:L@,`"A=6W8JX]X'M/L7ZN+=-/Q2H?I8M@*3E![B$^
M0_YBI+N*&1_V,M8?D<3,190=`,+W%.SG^I+XB"XAI9,T?WU'M%CW&.K?3N<#
M%P&('PU4<"M:<`RH]D@[T8C:#U89*`V_A<7P_:TPGN)S]\EM26MR=\W.@1E,
M$;B%5HU7&,VH*6-QY"N,.(SIU.>A!W/S@?GI\TU,\I*I&[`9W:^)M`_`B<EI
MG&A-:YZEY*3T%NPA.Q9W\9BZFM?E[&S36S;-R>3C<!CR>85X^YY!6&_]#N!I
M"Y)B9EK7"_WK<E86WB-?X\3BC4@2:*!*1TZGZ@I0;T%:S4R'>KZE24WI0LB+
M:K"XD-=KJY?KH\HJ>9H'%,9U9HO-`=T69-?,=&52;59)1SGA0Y-B0.X?"')K
M2_/X\RP)(IHD^5DCY8%3U]'9<!B$`4EM0R9EMYP-5)=S.]&M<12E2U/I9]AS
MV$C\K.DYR:DAN;-R->V^@9=WE;=H2O,6+K@JW0YYN1H6K_.9SBC&UVY\UO^1
M!8QR&%RV].TV)%$*=YWP7Y_@$<WOF;HC0/RN$A-->6+"E)C2>1J_OEE:[/M,
M/RSK=B+V6&,'J*PIH'I7Z86F/+V@IJ),)YQB\0F/2[(>OQ8"0RATO9Z10+-S
M8`;35\5"J\9+LF;4E#Z$?$D6AS&=-MW=]+&:$^HR\DQ#RI+VB/[(=(Z3,NX'
M(&Q!WLU,(:L>8LL+MBOED3N#U[M"EK6;G^P[$SX_B](X2UW5"4?:VH+<FIG>
M3'+5$E(J#R-#&)4@\9B61V8$>KVC?<KG(0^A,C>M[@`0;D%.S$Q?QIZR2DCA
M)6C"%.1.XC&4R0\8.^>ZA(O*X#K?7"H%XNI&@`13Z.%$+V)GD)*`["X5Y/;O
M[OK)"SJDC-%!E[QJW2-1^3R(M`5Y)S."JV,&&7YG)V'^%#;LL73E@CXQV@\F
MQCFY4'[R_]'@K,^_U/#_7S4.X-?J!;"^JX"Z)2UD,6,%V04KR%W&9S4+2`U7
MK%[%#$K1\S+T<OR#TX!UZB15/7",A^\JCF[):U2T&4%V/PMN-SE$%4+S00\.
M&4YNR1L$?*5ZIW#F+G`SCJX-^@9>WE7@?6@8>)MSA>U^">1>YS$FUY3<60F8
M=M_`R[N*\`^E$;X+KDJO^_6MT]*'NTQ`U7FG#VEYOK;1\N)\0Q#R7>4&#H6Y
M`2TB2OO&7L&/Q<`]I@EJ7/YR>OBN0OY#:<A?A;TL1D1Z*\8Y">&,I_L1A35@
MK]=<*@RK6$QM-@X]1O^+F\]GRU=<\W?T*69P055^EXH"C'8_'.\1IDS`@A;$
MGF"*#UN(86:11QXEU69:MJ!AUQD@QQ1*+^C#@6W.@\16[F1HH!YC4L/2B96Z
M`"X]ILAQ@5.QD0E@5)4W;(\5>=PH`-.VI5)@[L)7E--)PJLL&B3W<3A0(-'K
M!)!B"M06^)?G'+3!(5NAW:QVC[U>1S/9:GM."=SR7=ZD<AV=D^B[.O$M:PS(
M,-FMD3YD&6P-T,C6A39LSQY3`\4NC8N,YKO*-8RXH@5@P)0F,&)>/B)7(RT/
MR/PYS=7SE2[S`J9MPM@;'U;^)&&FL\],W)@C^X@I4C?2A]R(E:"15:\83FL]
M#I_6AVU)SH_BB#`-I@L\B^U,":ARO6![C,SCH%>N^"^D.E2"5[6!P0+3$+?`
MKL2T)%@*J\)R4*&941W[O::I^A`&M6W)F@(JE#G%8]452RI(V-;S#4W-=P91
M2]RY)T%FE'G#8W7><`$!MEWG<_5AW-#S^RY&?"))60)&G[ZIEA@4S6%&Z1&=
M,9YJ!)B&,$W&Q38IA%B&L5@V*SE2GL?T()^J9&,P%#JIRH0-8HR.:)0$SW16
M6\"_*IUAE[RJ)W$FO0%V3`E$H7:D4ST+Q*4=8TF'^[:"$X\?>TUI+^@PB.C@
MG$;\?]);^.=\:TW>YC9.4MA@P_)R%YB3.>;*]NW`+:I)B95IU':_FO25[GJ$
MI7+0N[_B_V)=Q8PK*FIGC-&H_]9E7*V%T0_^SB9GE;GEQ^2-P"&F+Y^="=3V
M2PO*L-VK[=T5?2:3]:1M3Q[BO[7S>NSD&O:A_DZ"*+<!;I"0\[\*XY<_Z(#_
M\^5P2/N.G;.>#,`SJA2WE9G4=E<G)%;>U?<S.[#?1+V.M.*EDG5]2TW>R#D\
M1;5(8&4"M9W3@K+*^V*W/YWB\8MX1U,"D<8E85$0/29SNH,8I!^HEBK4'0!"
M3-\BH0[$%JT-LC30@_=EH#Y'_,$@`,62\)8$@^NH39Z"E(2J4;NZ%0Q=F$9>
M(=N2P56*K-Q+A:5\VHW]G?BL_)I=6JY5`;7T.$B/::E#R*_8X@202E/#4ABP
M@54WCTE?_;,_YD^GX#)C2J9J<BPVQ55LV"Z!MM63SUO0)X<(:0N^_#A(CVF(
M6R5644RPB@7;Y4+65N7U]-.8I5W*QN<Q8_$+3)M5W_[5%H`!Z0A6T"LI"A#"
MJ;PR;AO-R^^JROPA39.,/!26?8VC_N0OF@6<DAX`(Z95CU7ZI5D837B5MT%M
MHSFZNT_#[O8,V9T07#Q,29!5YE8M20]2:3U84A[6UN,QR5%NV5,(7#[6:W*]
MXS4F:?YB"4/EK5O;9SV\-Y\'7$2/,,^`(Z140L\]"E*CG;?GA$H"P54<E?==
M(SI':/ICTAE.%D%\'2:TF0-ZFTV?(^J\A!=Q]I`.L["<$1F`6V[::[90C;SZ
MBA#[D@9>;`'+ABRXY7-47Y:P/(_'"MYB8T"&:>375X:>%0L1J[X1OG6\-COV
M>?WSG(1VN):P8,H'Z=.O9[FK4+&E(NU/NN1XO!XK,ZWAA+(O\_-)U1T`0DS9
MHBKZQ6:HC0];0>N&-.OW?DJ%@.=T&+.BMBJ_;^A+$,4L2-_*LX'XF+38RV3%
M[0M-1W!9L.Z5XAN4A'/>P#35UK:2.B[FFCUL!7,_K25;3<"J4]-Q2L([^DRC
MC$YJ,DMY+E_AJCQZ-N1_G4XJDGQF(IEQU>H3H&&:CVU>JX*T>4U"RUE?_?V6
MVV%##E=N5&+4@0"B8EC%<<&WI>$6%+A;]?&BQ:;/""J.@D*@(@^LB**6GP?Y
M,:1O3,@63XI$\)"=.^1$:PXO8X6+<;(H+:B7N,/2DR`&JB!5P%/U\%0-!MEA
MD4Y,Q>.>D"N:UV="W6^0Y-^.-J.#`,XU'*BFU=*V@`O#YU-%O'BPTH&'[*1=
M)]9HE?R05-;,$9@?N2F?60J:<,%:F#($(N8$,RTY*F0'AKJPHI9'^5<=5^>V
M#T$KP()A`J8BVV0<FP>&[.Q[)[;G<05L19[%ZT3M,%7U`3@Q96-$BC`(!B0P
M"RNM?[2:GPC4HT%>+U!<R*0^E534#-!@,#L3ZF5)>BE*;`6+[G790G#Y!UP*
M$,`-A&4R=CH$:.(2=P`(,07`"DVH#54)%=NYX!M2LM<%VZF`?*95+B?,7ZJF
MCU#0`4=XB"GXT=:)ED'+09<&C67+P68,^A`C0NWK&#1Z`(R8PBIMK5B,T2NH
ML=WON2&;1C,++O>E_!6DHZL@(E$_(.%UE*1!FND5$1GU!M@QS)F-M:4[<=9E
M`-NUH6N83WM,Y>O%K(*G079,Z7H%QVK+7,156MX)ED-RZRKK$$'@5DBCN:%1
MT`JP8`S1%JG6MK<E6-BNJZAM=GC&-_,S)]0=`$*,H^"B`K2-48RPM$LL:?_:
M=HD@`5!(8[!#5]*28SK"&/(O4JYMB1702A/TE=/?=-DCD@VRZ]QZUL1@L2X4
M);9K?2(J3ROS.^7\2>OQ/4Z5Y]8X]3YMJPT``:X)\J:5I[6$O,A66278P.)\
M;@SAR-WW\0MAWRGD>OB(-HY!;W?T!2K;H%2$_SFFXP?*[BE[#OK2CZ)91P`"
M4]Y72/.JT5F#Q79ZJB-;]'T'IC$,02O`@BD]*V1;/`[*D6$[J-R1_7G\K-^0
MAYAQE[^C^;GP>BBJ&P$23)]W(==BZY,"PW9*^69VD#>\(^03KT(1Q<5R6K!6
M6@$63-]K;?9EJ0D9TLH;@+S.'.L<PN$U73NOJ7PS3ZXL.ICI2O->'I.N`#6F
M%&Z52E2V:82T\OY'C_9:WIMRR^?!(\+H.4F"OD+!E6W@`[(E]LOESD7.A7=H
MS`O]`A^8+%NF-#<67@6_-'<L\PFGYH[ZW!E[(U?VQK$?8\@=ZRA(U[1U09<&
MC24[L(S](@BS='8JJJ9)%ZT`H_>IL/9@4PB]AE%\OF?@!-.46JXZ9R-Y!07E
M[EDLQ>K.3=]KQ:/&8&1M\!K]`7Y,:36YFFJ.ZA7`2^,6%3MN\(QJ\,TP3C)8
ME"D75V9%R1=PX6&8-'T=43V]&W08LV3A;M#KZ%O$*`F#_]`!*.`62JN`\?_+
M^(\I@<M^9]B^9I![[PRG3S44)KV^%_>:1S[OL5L;L-]YVY2R[HA$'7;Y@[?I
MQIV(_IL2U>YJ'R*!%C!]:-=N;^)!S"/]R`XW>*>CC<>9AOANYYK`;OA'+#<L
MLQ%FS6(`VYCF-6NW*XU193.4(SML1XR^F"3&65+-PMGC(Z./?-S4JKUS]AZ@
MT><M;M8X&LTO_(E1TF%01TK9IOA3O!?XQ+1TZ]I0;!S?#:78=K%OI:M[7#NQ
MQU&._*6=;(H_Q7N!3TQK+ZX-91VNKD<IMCVA]GBO2,!TKHUW\`;@SN-:D3V"
M[@L-G^GB)V#]O$G?RKD\Q;3VY,X\UN'4.E06+HUEA79;/-KGM?#U1_EYPU@_
M;]*W`I<H\WZUS6.=GVD9E8KSN3>XE#&5K%RV:/A:MIB[PG0JU"RE<0?\,_7)
M*9J]])H?[>Y-<'5G,0N>\Z3-5,C.</9C">)-`5:W&T"+:;9MIB2QDQKB5QQU
MCNF2VW8\YDU&-$HX#K\WWE:(HEEF*FG9:Y[XC*=KU`"?H(I;U12+O:<*6!D]
M(IEJKLWV/`9[^=ZB"O%`"YK@=+K@*%&%86J%B"W5`*^S@XVW3MD(48J7TLX&
M?V>3NIEI15O,<KM,4Q8\9"FTZL:WA/%'+`ER]';@%E/T8V`/YA[EEC-D=\ML
MT!E][^6M$'$V+YXL&@_?^!3[+/F##AYILCXOK/M:8!-3>8"!!9B[GR.RD"WL
M;]#O/"['BT2\BAE70=3F,2V-^F]=1J*$]',-1H/\;X4E;^"3N!99@'=,R_8&
MMF+NH>MD$%EEWP;=UF,J0#P4#X.(#HK-S+<A'*6^`0^M^UI@$U."PL`";#Z7
M3LBJNK)I3Y$8_&T?I'T@">5_^7]02P,$%`````@`6G]<19,],/XH3P``//P%
M`!0`'`!A>'`M,C`Q-#`Y,S!?9&5F+GAM;%54"0`#>_5/5'OU3U1U>`L``00E
M#@``!#D!``#M?5MS([>2YOM&['_H]3ZWNRF*NCB.=T+7MB+48H^D]LP\,4HD
M1-9QJ4JN*JJ;_O4+%.\B+@D44)FD-!$3QY8)%+[,#T!F(I'XUW_\?$H^O+"\
MB+/T]U]:OW[^Y0-+^]D@3H>___+]_O+CT2__\?_^]__ZU__Y^/'#MYP]1SD;
M?'B8?+@Z_?KA+!NF6?'A/"[Z25:,<_;A:Y1&0_;$TO+#?Y_>7G_X<]KQ;Q]:
MGW_=^[7]X7O!^_UP.?YW7!;C#Q\_SGO^,TKB053RGWXHRJ@<%[]]^!85!?_4
M]#=)G/[U$!7L`Q]M6OSVLXA__V54EL^_??KTX\>/7W^T?\WRX:>]SY];G_[[
MZ_5=?\2>HH]QROM*^^R7#_SWOQ75'Z^S?O69M>8_'_)DWD'[T[S9!^4OQ+\M
M>O\H_O2QM?>QW?KU9S'X93I$3?]S++_,P?#_&@/&L_B]Z$`&OW5\?/RI^J^K
M70_*Q6]7^^U\FO['7[AX/_#_^U>>)>R6/7X0__O]]FK1*'IB>=R/4O;S.6=%
M\6L_>_HD?O/II-_/QFE9W+(^BU^BAX2=I(/K+$J+<U9&<5)T^##$:'XK)\_L
M]U^*^.DY8?._C7+V^/LOT<]G+K_6_N?C]F<AO?][<7U[==Y;,@KRD4_A(!PT
M`>$@*(3#)B`<UH+`)WIYQ_KC/"[C?ZKI.>_7Q]AUO0<9]#W[68ZCT(-??L4=
MA(6&G<$`>FX$0*N)>=!J",Q>$V#V&@+3;@),NR$P^TV`V?<#YFP4I4-67*7\
M@^.G<1*5;-`M1RP_RYYXHQ%+B_B%76<%_PEOSNHN!<[?0P3K8]EP_[07X..B
MY)WFY^PY*[C=[6]K5?8<<-@^5CYUUSX&?LY_\<*WZA=6\&G[!QL,N<]STN=_
MX'LXJR]^8/?-0?$Q1<!?:@Z6#Z:!O]0<K/K6J>5G?$"[B/*4?Z7X5JV93UEZ
M-XKX7[_=^5O,S)_P`62ZP-]'/SWJ`]2YG\%SG9<BNC-W23PL9[#>`P_?QQ*F
M[SXP`!^+E;[[P`"\3@/`5WS`N>7V0UX*^[S[S'*^)*;#.S84'Q8KXQ>6#?/H
M>13W9__5:UBCQK?]0"]8SL5\F>7";@VA1O,GW(%<1G'^9Y2,?:Y?DCX]#M#'
M"B7KU.,0?:Q!LDX]#M$C/35]NP_XRSC*H[1D/GDIZ=-]@'<E=U[%*G/&5Y2L
M.K1A@],H$0<4=R/&RN(;MYI2[MR6O'WB/'SK[WB&M/ACT7T\BXK199+]"`D-
M\KT%Q"COSU'._G$5Z.*4)T[+3X/XZ=/L-Y^B!#!HQ3'4_+A(G'9U*C!5;W6'
MQ/]9!#^R]..`/4;CI/0X0$G?'H>;/45Q&F:TLZYK#[;JY^,3>WI@N<^1KO=;
M=Y@C/J*\/WY@'Q<B\#A8:>^+(7-BQ&DLK*-KWO?:5_EBSM(!&\R_*\;JV]2=
M#:,:2I+UU[Z?B(/J+)?"KB`_1L5#A7M<?!Q&T3/'WVI_8DE9S/\B%I_VQ\^M
MV<GT_YW]><6!OTJ+,A^+0=[&Q5\G/^/%?I-$#RSY_9?KZ2AZD*:]E4-`/$A\
M42WSJ%_>\T^>KTU2(Z3-IKVC5Y"6A#G)U\%Q.L\_-&.V^W+RF&=/]K*?C2:S
MAYCE`Y;/DC]V38/'>)#NLS)*;EDYSM.[']'SU[6%6(%%VJ;7>JT8SSR4[10F
M$LIEK2:A&AD%^HF4H<&8.]./%W^/XW+RE96C;+!<Q#?_RM@-WP8`:V:=KGNM
M%IY,5`,#34I]XUYKC]#*6EM#:M8#Q$"!_D%5W7;!M>$\\3_TKOH/?>TRNOZC
M7FN?RKH)D-$FB21H9&3YUZ=U.S:8=0O)1O*CZ,5'V.`^'Q=EP1&P*^XAJQ9;
M?:->R\DVA0WM7@1A;895->BUPMJ6*\[^.B,!DI(S48-CQLJ/%2VG+MAO?6X?
M<%)<)%58@[MQT^CT\K]S/XD-?O^%6[*,GG)JFXT%Z_\ZS%[XU(RGRS#_A]>K
M+_]3[YH-H^0B+?GJH+$E)+_L[84U"C5^.8!02S%NDDD%QM]&V(#P:]MET#%.
M/ZK=B%__K+='P;I2B4U.B(WQ;Q4;G$R<QM@0V`I2Q7`!=)":/5(`S=/!2=0=
M;UO9R<P*NYA:8?=Y],*X_UPE#]ZQ_"7NLT+D#T;IY"HU6\4NW?7V#K#M9ZF$
MY?:),\(MH98_$_:5I,Y&43YDU;YM2Z.-IKV]P"%3%\HH35H0FAD]]HC3P\EB
MA=#CFGN*<3ITXL=FVUX;/98IE1V((`HX,X:TW1C2B`/<=K)7Y4,;/W#`<3I=
M5^=G6]T?Z3*<(!N;NE6O'=A<-5,"(#V%4VR`A1JO\9$MAA6/G^=#G(X+KH:B
M6`P7$'#7M>UU$(\I9P,!1577?MOK4#J)-`M8'1#?A$4A_EU#,8@'C&=9SJ<U
MUP6?P]5](M`1HZ)5[P!]8U9+6,TG'9H9LSK;R:P#?UOVER1[B!)QK8'E_3A*
MYNZ0T9S3-^P=H&_<:M')]VL`H'K6'#IK_)VV365UP\H?6?X7GUY?N<A&D4AH
MLF*/J8/>`9E3NDU1ZE@$`C9CT_Z6LLE?/.O[W5F4#\#<D?V\=X`>CU*+2<X4
M)8SMMGH._`6CKM*2Y6GE=/"%V88BAI:]`_10E%IX<K9`$/D+1]4FSM2KY+[D
M5?J8Y4_1S'75QBELNN@=(!K7RZ0@S5!/)[/_J#MGKM%C[S"L4:[,$K!6D\;C
M<X2-D52P4]1!3!T,%[XY#.MR@+,>ZFI&,U^,^`G9#L&W@,/:1^ON&&^R-!8[
M,BO*Z=5Z`Z"-W_<.J;DV9F&KB2F']Z;(Z.0.^<%X-1,]=S?/XY=XP-+!5`N+
MB+X!H;F#WB$U_\JL#C5=@7C?DCU]B'CV,5?'Q<]GOJ^:EM)7O^X=4O/ES((V
M,W,5'*&H8W@:^LM5F-TJ>F'IF!4WK.P^PG@&:ML[HG8D8I:K/+``@THH5AF<
M@T>(WA%7P'0G$G5-3#;EZF][1]0.7,Q"UMB3&]!D!W8(V1*:.EIHF^=L1.+6
M)9<V2_L3Z'30MNVUZF>R^X4%"8<HVW$X86>(,6`&D+;.,-#BVMZ(6`A%(P8&
M%L,Z&9>C+-=?&-`WXD#"Q@BL(UH&F0/8*P%((4K@5VNHH8#78P(=X:F:<3"!
M_7ZK[#*=Q&W(MPIN]^B'ZLG[IE]CR8VZ"TH0D3OQCTB.HW^U(9[.SD[*YS[M
M[)S\ZO8.E`)I:-UKX5]2@(G?$&,R021%2W^FH<?+#MUGEO)O_`^+<MW9I>RG
M?!S$SBH-(I.'CN2PZD7-`XC:7]KC:N?:%5+^8SZ6QN[;:JPIM9C,:EX%4F^)
M"*!H?QF)]17=F-FLLUO4<K+0=&T;.9"$_>497D1Y$K.B%/T;4PLW?\S'@GX$
MI9.27-<J'"1U[>]4Z#HJH9I^_=,>[XJLGI7G.W(4%(ZV`T:N]Q$CUROJ,8!8
M^24?,IGS&X!LU<[%!B8BUUP!#Z=YNB*O_-#\I.CDH:C*8VJ6'G@GO=:1OXVP
M^@+_TO*SQ=73<Q3GXMYS-N;_/CAG#^4M$T5F^^4X%\_[/(F1WF3B!;.<C^RN
M>J17MZQZ^PC'3F+CM=668J'V+)<`&WGSW/:X\3N+M_O"\AN^_I63\VA2S"2]
M3),(0G7#-WNM8Q*FB*TN?3,?)"8*MLXR%WPNLIN,VV5SY)=Q&J5]#FLI`KO<
M?ZM>N5@0[2/)J/@_"26MU-4]G9PE45%T'R6_!IR->/D&%Q.Q*%TM?:MM-H_2
MHC#7MHE@B)D*(`AJ`*`3(B_?X&*B$#8-H/J:4Q(F.`HG.=O$-7]19'%-=VI!
M52NT,>`D_3T?$9FK%QY%++<$-1)XI[&=C/U%!99*63'0+<B\T8J/#MUO#R!N
M$Z45<J!@,E%S3S`O]P>[G[SWF4A9=B_Z4=LN`"E06,Q#*AKS?KUSY9:]SQ1J
MPUN(6$/!36`D*%=#-_ZR6'R46]K[3.WZ^JJ@Y#NQ&LBV<\.?RQ*NY-+>9S)N
MC$1\<L:`,`7(=YM'OZN=^'3R-1O$CW&_&L<][\IT2&[3!<>`6?66E-VY]QGQ
MX24[A6FVOCK@R;S6U.P,0'0WQ.C$F1F+"B8Y_S*<IUKVTMO#?R[47C5JKEO!
MIK#)-ZUMZL=\QY_%N>VWJ"C/Q^+H^*Z,DZ0ZQC47K:G_`2X@,DE75CJM>6X`
M$,I;G"R(9W'SW;D:Y4HVQ7R4-UGZS')11H%KB/]+!$Q"\=8_%P\9A\]*H_K-
MPX-,*(1OFYXIB!><)0O<JOE0;*YV]MN(H4,N`#*NK)7.K+8-D!`HE*9JFOR8
MUZMGHP'M\J8,>IN^.&PR)W96FE)3W@$_A2)83;/=?P*N:K_]GO+_'7S+8ZZ-
MYR@YC1*N%UV1-K<.>WN!7T<.0F5C[JR+$"@\@M,PGU%+6NE6G.HMTI,DR7YH
M6._0$X>\?3ZNH126+?H9SP^V-4+O5L^*Q`V.O=`O3/L..,KK6+F@ECF&%"^^
MM;$J%ZZ=3\P'M1RF:0[9=M/;<WO?49X3Q\D4E__)M1Z7DZMT$%<-+[-<<I<%
M,*-<NN-XR-CD=CJ0SR]W&02XZ49#O_Z,[QM6_E<>EZS[^'C+=\B%/:@9LZI)
M;P__.<AZ,I7S3X]W5SGF\2E)E0#G\=)+QG3V$*0Y'R^Z-5M/UG;<V\0>(-N$
M!@_]V;CWHSB?7@B='W$5WUC>9VD9#;F$JX+GFO%#FO/QDK!KW64MYR$<>X"'
M[6GPT%\N'9_4HGSYK7`SUN5X-HKR(?LS2\;*AX/@'?`QHQ]'U).W<DT$HZ\7
MF27,1G\>R_*:O)C:IW&2B%OT:W)=&8*.E58=<0SH7DH]^2O8Z2`%"O'6QIUN
M&@]UDD@OQ7ZQTTYIZ@!L+0%L[TL%U-A$/;F/1(F%/;JO@CKHVRJ#PU5:%#*:
MMHE@[S4\`#>D]T*_=XI0PV-/_RBJ1\%12,?=)JY1J^&Q1^?Y5(\B5ISCJ"7P
M3F,[&5.NX;%'Y]U5C^(V45HA!PHF$S7W9#=K>`1^][5!=Z).#8\C(O?I0BIZ
M.VMXA'X&UF<-#_T;L!)@)"A70S?^SCB_)-E#E)QE3T]\N8BC!%RF0=^0CQ']
M7%,C//GN#(%$X:)*'>;X<VB\5'\Y(N/.2`0E9XD:R+:O*OZ\A(#57_`K]6O$
M)V<,"-.V9/GNO94LW[;;F7F#P863H3@JAEULL>^0"X#,5+-36LU(JD0*%%9V
M&I3PETD,^GQQ-LYS]1U4ZWYZ[<!GY[ZC31+YRS<9!S&\LWHF5?(GX.W/]UGG
M>"6=TH<0-CKE@D!/BJZKQIIKOT(F%,*R-&8*]3/J`Z[`(]\S9:-3+@@RX0U7
M-=:<*0J94(B/T)@IM&K;;([WXN]QE-QG7W(6<??T?A2E:^6\?(C$\`DN)#+A
M'U<5UYQ%(`E1*!="8T[YBU#!CGJGUC)W./63PKU#CHF,D^VJD1K^B$(>;S&_
MO8UZSDWJR+\=^&S<7WY[VW#X74<`[_GMOH1)W;LGD7[<#GS@WUA"2EN?#>!1
M6EL3%2!",.JQ`Q+)FNW0B1,(^>UM><Y%`,%M34B;R)2D'J0@,B4#ARF64Y(]
M1N.D;&9.UH]>P"2W-7.2"-E").O7N7/2II-RXU'$\JB%1@+O-+:3L;],`?]W
M3MK'VY4%`!.WB=(*.5!P8XB%#(XQ<_:#745H'^^*BW^L3_@W2X'"8AY2T8BN
MMGL&<ON8DNL+$+&&@IO`2%"NAF[\W1P(=>>D?4SF.%DB//GN#(%$(:>B#G/\
M.30^[IRTC\FX,Q)!R5FB!K+MJXH_+R'<G9/]SV2\!8GXY(P!8=J6.R>MMW+G
M9'_?W\U.U8,NQ8K@S>4F+7KAHR>3%&DG<?D4LH8>H+0WAA(1SP14`SW+TF+\
M)"(8+UGRPCW":15.L:X9IIY#CUP$Z':DD];4[HBS%':$TH@W^50#A3[19&S/
MX:$;M$X:L:?K*\P!2MACD!/YT7C90&]8><N>LUP\@?4D-E)'DF[TT]OOH-O2
M3AJR)ZL">X!Z]PBD[2`&R,$"[Y8CI=_GUAD'CGY#SDE7'NB[(@`*%Q(:=\TZ
MV_MXWGYG"QVSCH\']"KD`>R$YC7H,?R>9\7LC.TEBI/J6"V[8V69L.Y#$@^G
M+W5W'X5SD"7Q0#R$^6>4Q^*'\W>$+M(R+B>Z4+VWCW#L)-PQ6VTIXOV>Y1+`
M06N>VP3=LVJWJ^NCK7?"@9)PU&Q58V\[R'!3R#)IWF9XO],U2]G8#_S6H[\[
M7?OREQV]".#]3I<O8>YD@M9^X$<I&TO0VI>_4&DA!1+GV@$5O94)6ONA'ZOT
MF*"U+W^<4@.,!.5JZ(9^@M8^_@.3&N$I'#8`I.U.T-KW^#BDCP2M?3IU)R6"
MDK-$#63;5Y6M2-"B4]11(CXY8T"8*#C-Q"Q_S%J-TD!<S(K99<OX43P&RQ7:
M?9R&Z`!VHDN77`B[XB?H2S:Z"X?"Q*'#%D1GX_6XY+%LT,YDTQ4'3<E5<=>;
M>G+8BX."*8+'!\2T1OG(ON7Q4Y1/3EG*F<E=BWRB-83<.N/`R?A<]@JSW!H,
M4I#QGV*Z^UO)=N^X'?P!#RUGEKC36>6KMGRD9%Q2.^E"$RBD@!LY6_:K)L3S
MMDHAR[%5!_V&F2)KTNL$/BES/B662EN]0JO!;1^O,(^;%N?HEUE^GHT?RL=Q
MLCEDTYH,ZH0#)9'>"-2(FGLV<!O)#O/+1D1_;G-X-\R4'2YMPV&@)R5:R%O#
M-36Z`+G>H:F%Z"5564,KN<P&5KW^.1\\NJ=C(64UH>3`WF+.=<?CR53368T=
M.J=8=O*&N@QZY#N0<]WQ>/956;\K<SITYK7'3_4Z^*=K+II3'.<'D<X.9&%W
MW`[6I&-_O8/=LH+E+\H=7=>$CXNH2Z*7I)Q]>I04#JT:W^(_(UJ<M(ZV.Y_#
MVJ_^4J0KI:D-V%H">$^1]B3,O9U,D>[L[4CJ0Z4?S1PR2X'"<6Y`1;<Q^>N<
M,-=I!S97/*9(5R+64'`3V(Y3#C-1I@;EFDMU@3Q/`)`QF'-4LE;JK`?^0EBA
MTO([;3*A*HGP%'X\`-)VI^5WVA[#3Y6T;ECY(\O_XE;)5RZT4926E@PR==#K
M[*.'BC3"U#$)!HU"$+X.H_R5,/%QT:/31C\!U`A*SA8UD&W?I_Q='PMWT:/3
M1C_BTXA/SA@0)@JA/VKQ"TQC?&[#?F'9,(^>1W$_2FS\B]?M.)RP:UV#<0N]
M`:^7``F>^U?N/GZL8G50-NO_9CL.AV0,0RYVHR^I`DAHO_:J.W\VWDV6?N=:
M9X-*!>;=6_I[/B)J5IY*;/+]6X.*!(6([=K4KMD@7+CK[(6U4AO<Z^WOX("$
M0R$R0X8MF`7WL:[C=4*7V`]_/;.C+[EO+PX*NPD>'Q!K0&)>S^S@%^]W5YCE
MUF"0`@7^4[.F$&<%=*A\E;Q*!^.BS"<B87(L-/X<Y>7DGH\0L&EZ^PX75]BY
MU*#=I9U<GB5&X5!C"\F&^6Z'?&R@;5G7M-<)_3J'E5GF65GJ"666"86]:0OG
M"&;1C6!S)'1!#;MT&\_:<ITDJOH:.Z-UMQ=OY%<[XIS_A!GCJ6N_XR-`OP@!
MEY0\E"H!1($SU(Q^1,/"8C6Y9L,HF?IUH;<9XZ=ZG798PZ5!TU]KJ?@7VFP"
M=K;$LJ'%.H]O0JU^X"9Z8H5VS]*TX*.B5/K.O\#E>XM6&A1VF:TE^:&_#&:/
M)#\,'#<-9H4#)6[)\L,P];I\KDK^$@S/^7R+C.;SRJ_XU]$3!XW"D6M\`P61
M*H;G_!<O41F_5%=%_V"#(2?Z29__H3HZFY4RG%^.QBIIN!SE5<H]EK%(_[B-
MB[\`BZBN:>_0[5J';U!G65K=.1=+!\C'U37EH!I;4P&&@UG^:C/9#)."11!.
MCX@>Y&44YW]&R9C-E@30H:F\4>^0SG42L\#5;-2AVVD>8J;%GD7%Z#+)?MC0
M4-J&PR`3>#.+6Y.0H@9'(2L['`D1[Q'<L/(JY192*38O&R:J&W)`9/)IS8)7
MT]&$D$**8#A.^O.%SG(VB$NQO51I.R>#?X^G,C7Z1X:6?)3H/A-<F@IW&0*1
M0O[#,EQ\\?<X+B=?63G*!LL)LOE7QH0#";FV4J-K+B!$/T<U,M`$U#?FP"CY
M.O5UI%YH(8*@8(62G0)'NSH%CDB%4.LKR7T.'!&9`V%7/(]/^?4?^N;+W(L?
M]0Y#YY7!30F(E.3&Q&L\%`BS-(RN@949)2UZAYAWK1?1D6(EI'P:):)\_]V(
ML;)"P(ER.I&;@:>3F?MPSHIX.+UI#TG0"/=A+M"P/IJQE*-2RX`H52!Q;&]A
MQ]UD**)50];4HW:!(#0!U*M!?3E2""KNYLRE<+ISRG4?B7/@JM)?5,20\HN&
MUKU#:EE\H=4(V(UUHJ(0(PW,"+>T:\_0EED/PI(Z>:I2?4`^&:0+#I)2O160
M2@#$-2*FX#\UIV)$#^NB*..GJ.1[^6*LDD&#SJ5LNN*@R9Q4P96D"2)98R?%
M\%TR@=P*6?JZ8=3/GMBB*M4<!6"ST[3DD(C5APNM/O4\,XJ)PI6%0"S`?,!6
M,3#@W3E-V]YAZ"=MK0P<HP*LJ;D*D\*:'U*3B/;XHIC(SV>N;IC!(FW#89!)
MZ0+(6\=');I=YR&B!5"]XF5#PLT&'``9VQ@@:34#5=#>HW^A;"?$D@K+P9Y.
M;J*2>SM6]RA6&W$@Q(HDAE::>@[I)#2;1P<T#ID]J!WSA>GEF,!)%;(F'`2E
MZH4Z24-(]QH8!<O!*^6.=H%R1Z2JSNA$;<NY(W*<J[LZ^+LP?9.5=UDRZ.:W
M[#GANPL;`*IPRYOP<9$I-:F6VR9YS)AVBSS^LO3$;4ENFE=AZ>OLAY$YTM_W
M#O&?_S9+3$X;#:!W_R24J8L8())=&2Z^<))<9T6Q&/,M2ZH!%Z/XV?$>N+E3
M+HBP(29:_HTV2E5'@A0NYY"BE5L9#3^"D`P*M-,IVW$X-#TI>YVHZ6]`3\%Z
M":%8Q/S2(-=N.V2L9X/4U4PTP:-`Q9TTBC!?Q0E6`H?:*S>A%6AGX*S+B<+,
M\G17Z)"$@3_-W.H^_E%%`\30P%@VFW)09,Z#E3*'T$\%;9?HAWCP>_(2Q8E8
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M<H>Y<G^$&?4.=T'VJ+GWT6I>N3_2!ZT!,"GLW2$UB5H3PM>5^R,Z<0"`O,V&
MI`3=CO,0\ZAD+O7I$*UHN-J$@R#CS0"D;6;A)CC".[47$OI\<;<HNX]G43Z[
M3';'\I>XSPKSPRG:AGR,9/P2@##EN1$0B(3+,'EA&J)?XJ/"R%'H&\/^:*AU
M2E30*#C%(>F'Z)94(K?8:C=^SX=/)E$&(&<#^3:144B`V<Q5!WC"\D;<QT=D
MV^:8;.X>;33C8"BYOCJ)JWFG!T?!T?"O-40W]R9+![,1&2HL:%KTCNB\<J,7
MLYIW2E@4**=-(KFV3K#0=<)!DT@,G`^LFZ[4/K#(3%*TY_#(^,$V"H&<.FLA
MOST:4TW6DUZG/ITHK+75*WOK*0F0JYW-#80+G,S+3V9B0*93,Q+;WL>AWB;)
M_=UM$J>3W<=S]E!JW)?-'_(Q$+M^W+3\Y8$[F93JA80]:\U?;;1EUUK/0_93
M/@X*/J)*0";5KH*H9]%X5JZ_VF6UE-M<N7E=K425A*#:K5]-/H!D$;VBNU&6
ME_<L?Q(#`CGIDA8<`KKGHQ:MVB!30B''$$2'XSI+AU8$V6S``:"?WJD%J^:'
M"@F%4Y(W:2)CUKE>%GD2-`(ER+UNP`&\8?M:7SI;)2T*IT)^5._/2%_O7O^B
MGO+W?$04S'63R.2&G081A6BD'\+X,_P]$29TT6*[<NDJF5DQYC",/^!+X)B>
MP:*:Q7)P,`=!V9`#(N$G:*2M<18,L"BL.V_2*,0L7N8U7R1P43+2QJ&^XIE.
M8A0R)M_FO$-UQL)<6WK#[IF\IAM8;._;'Y+>CD@4;O!<C>(XK*=!>B(>`2M!
MJ.0FBTZ2+:32VK5"*L>8*9>A[I,?AT["]%=(Y5B?BVF&26LC\ZU'`M<-?192
M.::8<JD2O,ZZTB/<;4XB^N_W61DEMZP<Y^G=C^@91$=I&PX#_8@3+FXU$S7@
M*)QZAO'[CC'/U\-==SL.?>KNK5S%L?X<'@"3P@H9BISTXBQ>R$GJ[5VC!MS9
M220X$E*5V-=J:][J/J;SB"]`TFHFJJ#M.OT0/>[ZM[J/Z3P%#)"S@7R;R"A8
MC?;1NW!OC1[OUENCQ[OPUNBQZUNCQ[O[UN@QYENCBT=5;-X9E3?B0,AL[@9I
MJQFH@T:!?DW>OCUVNQ#S?L+H>B!U'/CFCZ_;M\?R>T!8$GN_?;M=)$<]&0D3
M.`I[-D+Y$/U8?_'+*#;RF^JN3D,:#R%[3@D(G/5,>B)"7UE6R6T[XP>[,!.W
MJLA-P(#-&T[+/M:G9=>1*(62RHVZK9CITF?5*RA7Z?<T9U$B'@5<%O1Z'5M8
M0=$R0'?ME@N#3!E=&_6I9T(]29"W-KW/!<38HDY5U>/D`S'(JW6UL3I30=,K
M%P69Z*2-\MQF@E$0Y(T][Q,!,9:I6*%6WXD53\":*V/".^H=TWFPQ$9%:KK;
M8I>9/8TEYR^&B/Z,Z9]1'@L+<_'P2UI6MP).)V>S)\&G!FKWL?HO$X!Y[])E
MK_6YC6F6O1J8%,($=)!GTY5`3>G4MH;F-/N0O4`HF&&(E$"TR>1#^Y;'3U$^
M.>4K*$<1\W\$G0/;=2:0DS'!'%2FG@%.<J`P!Q;;U"D?6R3NDHF]^30JX@*P
M#QA:"YR(1M=B=,N+<L+..'G*QMS\`,UK2!<<):FWKV%*`21`F#&_!09COH?=
M((,#W^VRRQ"'::4^A8F</C:H9L2#AK,HSR=5C/HYRTLVF(Y-,G"0Y6'9F\!.
MYM*8A;(T1K>3`-X8W3&?YBY*;OV5K/NX&*PKUVVZ$JC)!/PMU*0FN@-Z"K'-
M!EE.(7OX*GT>E\4U>V%)RRZ%>+.EP$3&3[10`L`@48*E<$;;(&4IN(4KNMAS
MINS>0HMT'D^S4((=9=?!4B@7W!QE,<MYR'31=J9L>ZE%,A4]+)1@1]EUL!0*
M&"Z=VRB)TCZ[&S%6?LFS\3.WYB_CE/\MCI)%_M!9]%QE]$"/0^MV+R2%Z"6N
MN/XR`)#,/4@7`B7R0V>>%`68#F8Y;.\%B@;Y@NA,A@YR4GN+S$(E(/YK8).*
MB(0G,;631Y1$A,#75(/1W?X,$B8+4O$2NF81IM,Z'^%*`M7B;R=%P<I"!JPX
M>2BJJF0FZ=3LGDLG])MU#KY$/55K-A8_TB*Q\]#GE9/?+7TI1#::Z2#^:Q3W
M1_,3E6G:WL7?XRCIYB?/SWGVLPI`+WAE`!_B4T(0=)QU/UK=G&`!)1?@X9DM
MIQ/J47`Q$O_/1QJ_1$F%)AU<,JZB*+D<IX/B+DL&AK4%UHE`BG[P&U"%N@-B
M"_F\3X_7LD7T]JOR7M/Q2^*BAFFA;RR0H1\/!U29>CJ`Y$+"$:)ODOE[7G'Z
M0:'MF`U.RDI)]Z,HM9G]X#[$T.F<*_O1@]R(LA5)/=[3T*R_)QROLRC5W,5:
M_0G_,'Y-21=1R7GS"A8)#Y5\7`BSCHIV%;F.HX<XF08!0^T8T&\(.=%Q8/TH
MW3%"9"DR\C8)-9HY.;9@%V9E)':6JJ7_XOP=(0)TCS>$4N'QHKJR(['O;=.4
M<W*6Y;;7\JOU;$>[C@0(=+\XA%H4=IZ+<`(X"8C:1CP(OX^?V#E[SHJX-)FG
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M4@A4!:$CHI$0A(Z-O0X+*:]BDKPC'XD$3H/HSU^`\SM7.QM4*BBT5SCE/Q:#
M0;<#H"*3^S%*4#O+'G_Y,C=9:D4@Z>_%D-`#B5#!R3FDPQ4@3GW&\G)Z@89U
M'^=VX.FD&M'4Y-0&8FRZ$"#\I;(8OJJ[609MS@>,]6J9@USE=++`B7%5%E.U
MF(Y!`,N2RD-=EBK0F&0&L`%".<VNAI@7%5:/IDXG7Z-RG(N;D[#3=7UC@8Q$
M"-%2%;!S/"5>"C9>8*TBAB57!C<;6<R*_V%1WDU-]P9T304J,DX'2`$@EJIP
MO@&.TLA^6%?`_8_,E:.\J4!%QJD!*<"!HTN<%(ZM`W,4,6U"K0#^%>>5M&K,
MD>'?&+!2@@M/5Y!2J&P8EJF8%P"4*KC,QJ;B<-JV`A>9O`J0"AQXN@*40C7#
MP#2EX4B]TD#\XKR>BK8"%[H;9:4"%YHN@5*H8!B8IM3\IY/'DN5UN+K6@4"X
M/;Z4_BE.,-H9:P]VF+4T/"J[?/(6?CZYE8!AL:<9KAGG#I&SAZ[2%U:4(D![
MQ_JS*3++(&JA91#U1VPP3ECW\>2%#T3$F2^S_"Y*V'*,IBBN4U^]UA[F1(&,
M%5)L$=R/P!MVBAG+S+KH1W/:8(E\>PO+HG`%,>3Q-?IWEM_SKQ3B%."A/$D'
MHG)0.5D.$W#T!NR%8PU\O\2Z!J>MGM1SQ$X&%(+-C>L>,6`"&"4HX0?<C\!+
M*1O53DVU:+XF@#=)=,20"PK12>6YVNG)$].)G'&C:-]?EFQUQU/F.ADS'@TM
MQ3#)A%]LA;M)43AB"H%#%%(B^IO?[Z;IJ7Q\WS)QB[D?)7?CAT'\$HM53$]F
MNTX$4C+!'%O]J)=>*_!O=MU%=!N_WWW)7EB>BI7G9,C2?A7>>H"NV+;=<+3'
M9$[/;76DH[D5?`I'ZAA$/\;T&[.\'$9#=AKU_V*#Y>"NBF+,!J>3517>/?.E
M*<O9X$*\Q?&<QP5P&OCYB)`4F:-[6_UJS'"?PJ%PW(\RA3#?=N,*B8?I4DL.
M&P6H#X&33%*`K7;4$\`&.X7\0,QCIF/$+`+U",^RM(S3<38NOJ<YBY+X'S:X
MSHKBFSBX%-2$G4;7_X"0$!DWV$6WZEGB33@4W(DMH1*BC^T.`%KT+<"7A,S(
M>.O>*!!B3JI$M]V3$YEZB/$"=R37K"A$U;_['RQY85_YKT>%J;ARX*_V6NW/
M9*(1_CD28CY#Y/D^MYWUUOZ,&")Q1[+*AFXNJG2R//S<UGY5R)),$,4_1T+,
M;8@\*?BE6V%4MS]C%LIT!S`<YFP8E4S\D4$+T7O_GI`?F0B0-SH$<7JU`MSR
MZ4J'C%L9CIH;:ZV]Z:+^"E]PHUOQ72%/,L&K4&P):7SKY;K=YC>A.;^54;$Y
M-^8&7%-SWO!=(<]=B)AIV1)BSL/DBEIJ^<LXRJ.T9(N+45CWHA8#Z3XD\3"R
M>F1!V[;7VL=<#98'++)1VMUB4?8@,"+?=8+H0#W'X!AWX5938"8@AIAEXSJ=
MW(@KI0R0W6]JSM&UR-Y=,NE$S7X@;`K&80,*1HRBRH8W'1PH&<C47*"C=!T)
MJ`T[XDH`OQ'B(@8-&R`NJ>M%0'748RZ1ZT0-Z-;?Y:&S*!^<I(/[/'IA29?O
MI=,/&J\.:=N)(9().@'EN4D]*,PWPCE$GVPQ/)$:6EWA`N6_JIH)-&3B(T#1
M`U9&.4H*IQ(A8P4M?P\`:#\%>($-U)X/>8],'@Q$N/*%T09K@++JC:G*WUN>
MU?1<.IV`02I:B&&A9UO8"E'.(CW"`+SQJ@1B_L/7Z&?\-'ZZ^/E<%=-R6%=?
M]2`PHB<&F'5@YS3(,5*G&N*1N$R(9^,\K][DS?-)G`XAJ6?0;@1:=-_!K`T[
MTFF`$GFX\YS_XH4/]J6Z/_X'&PSY.$_Z_`_Q2A4^K,.FY>BN4JZ&L3@MN(V+
MOP"!(%U3K@+,$GO+H8F#24$NP3F0PZ9K*E`%=F^LHI8`#:AG$P`H!?\[&$$[
M>XBG0\$(VFD'=H'LHI,`%;@RM$)*BZ'>%QM$AEZ)*^NL*&^C<C$X4&Q(W9`C
M"EQOT<)!!XA>S4PCQMWF)6;EQ-GU\XN?_5&4#NVHJ6TK<*$[_Q8*4+,3`I-"
M\#(@01$#"-.R"E:\E#41*-!#!!;B5M-1@XY"":&`+,1\0R(KH^26E>,\O?L1
M/8-H*&TC<*!'#2P$KN:A#AZ%0CR+2VK%2LC@-$JBM,_N1HR5%2`N]-.)7`ZG
MDUETX9P5?/TW/L`;_L-<NI@/J,DP`/Q&53-A%A++N0NN.O5T,DB)@@7L7_^8
M=3QEPP)M4^J&`A&E@)9!\G9D7(.XDW3LM!$=L2!T[+0;RPJ%A*\,HG?C8X61
M*A\]+"B(&WZ5I'-2%*R$U?';^#T?/YW*KD8QJ_FG`K:[M,.LREI)^SJ.'N($
M7D-2WD@@(1.%,@K<0$`5.@K!I]WTMC`?`9:=]11?.%G$'<_%H&]9,CVY'\7/
MCF=XYDZ%),+.(EJ>FO[AX5HRI#!7:3$+LWBQ9%2@K5/93N!I[#Z+8TH#6"OJ
M*6#"3\$N(L7R3GNW6-YID[JU54LM3C2O!$"!YD&6,,23EL7&/AL@["1:VD@@
M(7/68I*WYOQ9!VYG*8@8&3Z+BM%EDOVP8:"TC<!!YOZ62=IJ`NJP4;!G@_`/
M,>QVP\KERV\V)%0WY!L6G:+&)KFKF6@$2"$#8D=#(8@&;,"L^K!F++&PAM;8
M!4CJ?78%4PVBQ;TY*L"\DC<22,):W,1FE-9PU\J(0HJ45\UW,*O4;P[*Q@+<
M:";04*JGI)6Y#0'7X!'R'3U1L$UJ&:U+P7;@X(5=C$TK="<.MFG%+WPN'JC&
M\G0\;'!2S(:X-.A`;B2@!X&13#J]01$ZDQ<*=$=IBKA<WF3I8"%^6'1CLX7`
M0"W"JQ*T)JJA!$8ANK:TBJ^!E9`D+;C1NX](MN[C8\'*4E0*J)*X(/Z>M(W`
M$99PQGK(:NFJ&:;#LKUUCWUJ]0"1G6?9N'K0.LK+R4WT!*D:*FLB4!!SOG72
MUIPWJ,%1V(>]J:N#63[^ECV/\_XH*MC),&?5/'\]2I!Y`>Y'X*5T.4*C$S4U
M;='N%E_;;XRO[<;X"G'`-4KQ0]@V$<*B+$W^JG/>9.5=E@RZ.?]^PGT"@WNC
M:\('%OA9`@O_QE:<FZ0$0'VK_'-[G$#*/W%H-Z\:>)W],))/^GLQ)#(7)VP%
M*6>>#B<%1QN%=DZ!2BGM[N)A&C^*ZGVKGS-=WP&T%,,D$VNT%:Z<BC#$%([;
MO?K8Q&Y[U[N[?A#6./3G:UO?]%X!2&%=]!2`['A\C&*15-!]7#[:=\OZC']R
M<%*<94D2\4D=)9I5#]R'&#J9(+=:M/*5SA8E!?O/&^%(E&R=K@9@`-.?B]&3
MR5Q62U=WM"<%M%/K&8F"JRN7DBU0+-J(JJ5D/%RUG"%$VT1%P8!;R7I;K,7V
MO).TY19"A\(]H9W*`^V0.5Q4:UP]%X*+9GO/*@-.PX[;VR^^<:U8>J\V7S`\
M=1<")9EP%$0?D`W#")>6,1R`N"3NE$C5,-_,)_7(N^A&H"43Q(+HQ9G`KR'3
M,KD#D-CG&Y?%:.D1WTRC.9H0@O3W8D@$PP5JX<D#!SIL.VY7=_:<`@=22KW:
M6$[2P6)^FOEE;BP&2S!.H!:KG&Q@H+);.PB/()V-BS+C/SMGSUD1E^ZO'LF7
MH5>]GTZ$;6XB-Z!EKW7@%A-3O@@\I44_9X.X?)@Z&MHC"F,[,<2PA%;Z8'`!
MJE9,,RX,!ZI9Y?G+XSBK/C!S7PO-89'\QWPP@2-;X",BJ.`4O%)!"_`6H0>9
M^TND6(IL_4O:4WAS0S%("I<+M2(T+3$:8#1IX2_1(2`M2!35TLK0E1=AGBX-
MJ`J?7IW\6\:\&'U#,4AT/P\L2SO>K"$,P9N`%JZ;\^;+*9V/ZBQ[>LY2;L:=
M)-R!3J>^C?YE7[M.!%)TSP^N$5TXRP(NC8ALHTI&/66>N;=<OT49]RVQO6[&
MT81^SM,F6&&A`#-[%5@I\=6C%A$/O.9O59ZR**\.*JM1KIS]S\=K@`?N1^`E
M=/2E58J:I[9P=Y2XB`=>-UD:>^*N35<"-:&#+ZUJU/1U0$SCW*M)4P&S^LY\
MD+/'6BVAO6HEL*"[5D[B-QL*<JB4R.I-A8B.F'&[FPVWKI$PZT:@17?&8!JI
M82*L@Z5D(7BC+&;58<`6!V.M14\<\SXYETRNEWK&P3I>2LMM,[;!/FJ.XG20
M0"QBM.0<+I"`S;O_#)LL@::Q-(;5+&''M`7/*>33*R(K61_53<Q(9%H,NNFM
MN+<D9C7_`9_J^?Q?3Z,B+DPQXR#?XEK$?#EW!@&V0JS_6(R<C*$20B?J*2@5
M!`4CIJ8Z$4V6Y5L`T.%+6G`,=-XHE8I79S*KX%`@EC?U(-H.)R]\AQ(I,MR`
MNXL2MKS$>O'W."XGRW\W31QP1P(Q&?M#K1'-2F<+=:?(ZB_11"W'<_90+O^-
M[TO5^[":8VO;K@00,E%;M:#E606.8"DX9?7V8LQWVQJ["'9`YTTWJ0)T3A@8
MWPYP$=U!60AYF3>_,.5!:'0="(1D'!FI\$V>"``=A7LVV^RD8SXBYP.+U77X
MNM_IM0X#/U%GO/T>0O_J:>A;<MM[.7XKN8KHE"YPG$Z6C\/&+.=$'TVNV0M+
M`*7-8)T(I&&=4?<7O3QI$3!#(2*BX,0V3`S$;*;%R&8*K[S#S>&""F9:]25P
M-W9-`U#&W$I;`*I;R(`4XS%X0*'\T57Z/"Z+2M$MN[?2-UL*3&2<:Q=M`/BM
M1/WFV8SHL,NTL^?,YKVE7LFXZ"[:L&/S.FH*`214-E-PO5>TTW9F<WNA5SI/
M`;AHPX[-ZZA1\U66\;&+*$^Y!U%\8_E9]O24I7>CB/_UVQUR(LM)6L:#.!F+
M*/+*8=O/?C+F:"^Y"D7RT+BLZNEU'U=@5`"@X3%?G^%*/4)T'>[Z(S88)ZS[
M6!,0).3@]V-"<F&=#V.,S#,)U*M"$,EM;XQLRUF+Z"K5A'`ZD7<`B*0$_+*0
M*;''_H*01G.*%5RX%#S"G24OYO&P=&#@]W5,S04Z2@\=AE>D[23=D-7[3`NH
M($1/./Q,"YVZ:_=$8WA-UIIJ5!*#&Z`%XNGL79GU_^H^"Q6#@CX;OQ?C)Y,`
M#!2VQH]3P*-+1,J!$[?T8A+2.GD23]V%%=7T&T).9+*7/2L_F$.T)CK9Y&PL
MX'K'ASA[63$MLB0>\'\=K#XC4GSCXTW+$2MY^P0KZOIGE,?"4YW?6[_@\A<2
M/YV<)5%15.\[SD0M_LL$8`FZ=-G;^XR9B_1Z8%((L#,>FZX$:@I%5#UH3CVC
M'01"85<E-#$0=TO$B4&BC*P'U?F;&42RE1`Y@1B`EP_M6QX_1?GDE*6<G?V8
M_R/(6[+K3"`GD]'DH#+U#'"2`X4Y4.=:$4>!&#<63]*<I`/Q/^(BZTN45%<2
MR[,HSR?<E)XF)<.`6?4E<)/)9)*J1+-2.P"E0%-492.&;)>>X[?90_>#[]R%
MRQ?/W1?WV2TK6*)ZV]J^(XZ83FJ3BZXTP2];(5"@?KT5NH59K:'?%T&,V0/C
M8GN\8244B*ZMP$4G)"L3N28N!`!&(5TTJ/(PPZ9)DOT0L:O++#_/Q@_EXSC9
M'*\)(*@3@91.X!.@$PUK;0"36#5#TM??:R15Q8OE=PJQ^^0ORO(UNB9B8&2<
M*X@(-]D&@$=B::RW(R/Z3-=9E%97-!FW?=:5<\N>L[QD@^G!`Q"<=7\"/UW?
M2?Z:7UVP%.HVD%`\HA^E&N]B7W/$NVC/\05^7]""V*[:L>?^:_P4MGX*7'=[
M]S`L_FIGK4OX]4X$4C*.F*N>[%DO%<+V6R9NKS)ZL]?'3V/QOOC@G#WGK!]7
M87G^SPFKN)0*Y>5E_$_U]V]Y]LSR<O(MB5+Q0+0(#CW/[HD83'LOGQ'2HN/:
MR12IC4#XE('L$>XMXSWB:1QW;\H\[G-=R$.=!BRFY@(=':=0)G@U3X'89OSK
M8/)OD2-U#<Q!W&P@T"!ZALOK0JH,`;N;:MI>!%:D9]V-"M"<'EB!VX6[C0U1
M`=$OI),<%?@MS!KW!R'ZL\R,@(F#@C/I9V7'?"+S)BM7?9<O>5:8,,B:"!1D
M7#VED-4\U&#:(9XA>G`J9UFDC8^?1$S_)4M>XG0X?5Q</#;N&(/0]"AD0,8O
M4ZK(/N)@ADPA_.")Q(CNV#2R4_DIAJ&O_%*,F8R3I12IFG2;4"@<67@B$Z9/
M-<KR\I[E3Z=9GF<_Q/4>$X3-%@(#F1,SI8@U7I,2$H7`D2>2H9YLI4,A7O&8
MAG$_7?Z4CYK.4X]*H>HVR@TLNQ,(PGR>L5XHE<Y3C4K!:@+C,C0S5AWL`*LP
MKU]-"_2)R^??HKR;5P,<5-F[\QNOIJQM<P\"(VWC?U]_C0H,<4;*PQT@):*Q
MOR+O2KC%R;CDUDK\#S-YIIJ6`A-M9V!?ZPR8H<W(=[0#Y,.\OO1:SE=%,;8G
MWK25P$+;2=C77TO2PIH1[G@'"(?H*&S(N#LNBS)*!^8'N'1-.:H.;4=B7^M(
M`+#-X\.?MY^`'>Q*3*,LX<*</3T*]#+4#04BVAY'QUR-28=L3CWDLXD@BJ.1
M;58%/T4IGIR-Q+GH"[M*^]D3N\Z*XH:5W<?[Z"?\WHA+KT(6A-P6@\HT[G,M
M^!0.X<C1PM]%(^`@U(_U\I$I</KJ7@`FXSG54]KF)/$LI/?9(A&\DS=79[8L
M7PLN_G,<)?&CN))^4OS!!D-/$\;T!0&;C.-73W6UY@Q03A0.R<E-&R>?M,ZT
MX>L:BX?IV3C/6=J?W.=16B15$MC)X-_CZ=OR7F8/\$-<"`=D7-AZBJPUB>S$
M12%'@-I<.G!RK^MM09RG;#`M,56*.QJ^-AY9OP(B&7^[GIIJ;C<:Z<CR&A">
MQ[I*^698S=FE`8G\,M;*FR1*&Q<<WK+IJ[>W[U:TP=,RI1SA:AW=]4N*X"/X
M.GT+N9!QN5PTJHE&>)`+"2^+,G<PGXU1CGUV>9$-SK+"70)KO0BL=-PL#UIS
MF3<RB;S/$(.L,9][48Z]NOSP/<T9]Y2Y/K]PYAD?3;#JC".G4PW#APY=YHM&
M,"3B$(2G#6;Y#+!"K\T7J:SZ$KCI.%<>-.AATJS(A42\@?*<P3Q/58[=&;1`
M1.94U(=N7&;#3`@D;DH@^NZ8!3H@8[5\Q%??C\`;UB<W%T=PT(\FR<42^2Y4
M3FB0*X@^^-?HWUE^S[]2=!_%19Q9=:!R8O7@)K`7@36L#U[GC660GM1SQ$X&
M%+SNQG6/Z$D#1@EZ)0;<#\<;N!Z(W7M:=FJJ1?,U`6P)T?TK']'__7Y7);**
M*@3?LB2N'O6[&S\,XI=8\*4`O0L$ZT0@)>/QVNI'S7(K\&^6XHCNZO>[+]D+
MRU-A0IX,6=JOCD8?5@Y*@22'=2/0DG%E;76DH[D5?`HQ3Q2B(SJOW^_N<Q85
MXWQB36U50X&(S)&QK1YT9#8`IA!^1*$OZAW)_#G+^5;JL#AKVPI<9,YS;;6A
M)C$$,X58(@J/,?W'+"^'T9"=1OV_V&`YN.DMU]/)ZDYZ]RR>V<[9X$(43'S.
MXP)(>#\?X9*B4Q?&5K\:Q].G<"@4FL&80IAE:5X/"C0EY(T$DJWT.O75:[1@
M*52Q0:$LHI<Y2Z=?+BP.5@RH#X%S*_U+?3D<&^P4"N*@\-OC#='I$<;F"4:5
M"*]E*[2Y&/!6^H[RDCF6L&5U<Q#N!9R-HG3(+9]4>]=!)-Y,[SL@WQD`WLB`
MIA[8=L=U=XB9PPD;+N10V:8KCOHHK!=@S$%P5)0FR\8>__9F(N#QYACSM?1Y
M!9;I0BY&FJ75@^'FDVAMV]Y>YS.Q]QD<U*))T0&`IW!0%53!Z-[M8D@@,U':
M1N`([-M:)0Y`A&YR:>40=YV.F/DN/NG87!X+>XS&25F/C_KT%1U&"GSTJ;<6
MYA6,U1<*-VY:+XL1@$(H=IT)Y&2"@SK=@`Q=.&`*,6VONR#F=>^E`FY8N;S,
MLKR1+^Z"">O,EL"@[@1Z,E$6G7Y`%+:!3"'%Q"N),>]7KZE@+NY+KN1S5L3#
MM'(\\F6Q)?$XYV62_9B67'(@MMLGA)3(G.3K]`@E>RTQ4$A2\3H!:(3>I)60
M;"FNZ43LP60.W76Z`)'8#)1"#HI7FM(N96O+5'T_`B^9TT:=1FJ%@M>P4O#M
MT,]!.BU$ED,*?'UC>9QQ$[$O$CG9.9O^+_#V=?T/"`F1F1>.ZE5/&6_RH3"7
MMH1--%Q8"!8_B\V\-X&=C`/K396U3R9?B>=](H&E[Z\PM&H\:U&*JM*/&"$S
M39`Z70I@9#Q?;WJ29]G4E!&%N-"63!5_Q:!5X[EE_20JBO@Q[E<^XF66WVYJ
M\"HMLXLH3\5[L34FD?O'Q&$0&9_<FV[MIE=MZ5&(1VW'Q'.K>&8U\2#EO?7C
M=9B`]3\JA$/F1,Z;KNTFHC<I4HB\;<F$=(IVV!J-*\OH+9M&3[-I7+_[N#SL
MNDIG!.@^L[Q2>TW#LO9GA8#(!#N\Z=O:^/0E1PJG[ULR+1&#(BH`VBR+!3)1
M/)E/C;+,XX=Q*=(R[[-O43[-'7:16]W/"FGN5IA%7X<NL!PI7+';DCG<2#QF
M>L^EWCZYWH<8^FY%7.1%Z5R$(KN`1^O1D[TW^.I)YQCQS`ZA&F;G.*Q1ZKMR
M:J4?]8YEBWQ[[RNA<,7?W=E;8=5W'R^C./\S2L;<-%A[+$-S'0#86@PWK*T6
MLOAI)6KY/@/'7N^\"T]M_HP=PP>U*4S@]F+(@8T<T`TB.PD[D6L-\+;2R]^!
M34/T.@A\DQ)X(\A.Q+7X=5#_^B2NPOR=31@^><K*'XRE-]Q"*B<GZ:";LC_&
MZ2!G`^[*]$U)M_X^($"CGSG8JLB)HW8"V682^XOG&SYYS7W3>^XC3V7JB;B:
M3@4X]%B\K2J<R&H6`H5,#T1__P#UVIMRA&?<!XW3<39^];+3MZR8<K3N"TG0
M#P@)D0EYN^A6'2OP)AP*>85;0B62SY^:`%07R4J^T+ZP9=PTN-BT7Q6R)!-8
M]T:-$',5(L;MGL!$Z4GR'=>K5(ZFD,*Y&0OR=Q\7OYJ;4]SF_Q\6&2^(-30,
M+FTZER'#,LIEA0@B[/<EP[^"40NHS%$]9GGADSY?>-N2Y16#\HN_>9O[S'+Y
M:'!(0@OH89QFF`982IH7/`5O?.>6%0K/_/JF4@MK\6@)B:('SYIA#<(2,1<O
MA7L@VQ%30+WTZPQ@$;`-+JJ-+PF9D0GI>:-`B-B!2G3;O4LC4V\K0X!S)_#^
M!TM>V%?^ZU&Q0!=,?MJO"EGN0`A0Q9$0\QDBS^UV[)'G-LF8GPG)*ANZ^766
M#ED>?FYKO\IE2><JM7^.A)C;$'F^[]ON>G.[;DU&9N%E)62T`Z$SE>Z#VM<S
MV;T[O5"/Q^VN-;J$AL.<#:.232\`AQ>8_'M"?CL0P7I%AR")+EH!;OETI4/&
MK8Q@S9VIUM[4Z'J%+[A3K/BND.<N1+>T;`GI'.OENMWN,:$YOY5AL#DWY@Y6
M4W/>\%TASQT(A>G9$F+.P^2ZW6XSH3F_E>&QIN;X)O="/X2%/*<#!<+D<I39
MZHU5FUB\(<;'7F1)/!!UGQ9_++J/\P<ZBFE]F!$K>3^)??D)Z>6CU]4\KE+Q
M>/'%SWY5E>/:<*_$H@<NZ@-_=Z;T']5=[0>V%L-%*OY@+]3-F6*'$J/0`YY:
M_=5IT'_0<"';W%@,EDB5!COQNO!Q!7"`:Z$-:,I?88:KIV>^"TZ?D9]_I9L*
M(_2>Y4_BK\9KK-`NQ,"IE&<`BUE!+SO(VTDR?^49FB79(9DB#6`YUV;989@R
M#0TKSE^QAILL%::L\>KZVN_$$-`/#AUD)F>/#%KC"Y%?H_[0GU&_*LRIN,_%
MG?W5+VN&#&@MAHM^MF4O7CF7X'AE#&O,O5T<8\\+)][S?L914F#53UR>X1<%
M*XN3='`=1P]Q4L4/OG)MC',VZ*:W(J:0Q^F0_X!/VWS^KZ=1$8/K+7C]%M?F
M$6*0S`<6T;ZJ6'W/^J,T_GL,*\,7\M-<JL=AC1-CE<<0+%$'SQH0YO86CMQA
MDB.FJ"V@G4YF0(3J+W/&!YCV)QK/R*('@3&LI6A=T[(!E0+FN5%D%(ZM&Z,(
M8F[88H2R\8%>#`;T(#`&MG%!$1U[M0"H;(3]IJB,F!G5&)4#9RO!XD;V>JG-
M92+91(WI&3'C1S;"8G4?!CUX#NQ%8"63C0/7C1V?U;A)<7H+`P!N]9D]9<E4
M$!:(EO?T35DOJG:]O</0Q9L=YH)'36DR6`PRH16R:[W'ZJP)<(AYW],'EJ9B
M%C-O]C#PG<ZFHW"'^KN<OB7WMD-NC7.51C!M\8]_Q"SG1!]-KMD+2^P\3$TG
M`ND.AM16M0B*GYE%1,JN;888Q`)IQ>9PG?U395\"-]'@FEE;ECZ<009OD/'$
MXFV-,9YJ#,ZL+H^4)QR0:XP(%()T5^GSN"PJ1;?L`G.;+04FTL$XDS8`_%:B
M?O-LIN"?KVAGSYG->PN]TKD4YJ(-.S:OHZ9P#1.3S6T*'NF*=MK.;&XO]8J>
M^%M'&W9L7D=-H7C(-L=>VXC.Z<K(@=>I)2T$!O1,Y9#:4<\.M30H6"S>M(OH
M3)ZS/'ZI:FTO-"ON-<S_.!_PQ``,VHU`2Z;HC%H;:D9:`MTIFB*Z?"LCDAR4
M+E8;."Y=+P(K&5=0K0O0L@G`*3.7&SM?/NGWLS$WH/B@&)]##PD36TH6I?/S
MY@.L\^9%V873<<$WK**XFQZ9%8`XHK8M%[O;O7-/N*9#`7D>:[\5XVXL_`<(
M>$.$K)XC,F@45NM:ZO%W[_S[W5F4#^Y8_A+WA6%GN*<I^[D8$)EE5":J37(8
MH&P]/SQ>&4]+EJ?5980HL:**H24?9N@+XC58H[X+#D)%(C(5IU':Y]O_<LO]
MF@WB1[X]3Y_Q@_KIT'X$=LR(E&&<\Y>%1+DH85T5>S6!;W8H)$`G?F6I-TWL
MRE40%-91E&F`F2=A&.>WK"A7_\!_)M0TN$I?6%&*5;#NO`!\0<B(3JC+4K/N
M$P4NF3>[@?@KU'7RPO)HR*H-FTOWECL1MVPP[HMOGD[.DJBHZNSE@RE'A"^J
ML68<>A-PR,3`;)4@MW[<I4#B=`.#T/Y<M9GPOT43L5*(,B`7(A2SFC^I)JZL
ME1@>&<?-5JA:@FK0SHBX_^:(B)CZ<-<?\54B8=U'R8CO\VS,_V<@BMC<\D4E
MY\O)6(0M01G>=;KF4CG"OH!@J4%-G*N^(+;W/@%A@M'RB)4#AB3-6G8GT!.[
M2>!!F5;6/T0^1)WDIIE"RV56#A>6R&7=H9``J4L&;AKT,SG61+)MTR,@0?SY
MQNLNFCF6+_V]&!)E_Q8F4;D?H0/\SLB%_/PYMTN!+P=@P\N-5F)XE)U;F'1-
M[%3!IA`_)&R48_K"`=--`A>U;-S<UCN\`&'03GDZW,&4IZ/6=J8\';6V*.6I
M$K)F9DB@43!::JF'6,K348N,<2$3E=QNT$`A83#4X<=6I#P=!2YX4X<U[BE/
M1RO%:*AY1:'/58XPR\*0M;"/`I>0\7FN<J0O">-!$._G*@$(MB7QXB#1\J/`
M!6D:=O2.#)5JW.1#=$-JFBF8!6PH!"F/FBME$^1<Y<A0T\95)._3HQ(N9GD;
M&M.CL:<@096>W%3H>WX0N0-$A"'^7&M/YXY'A&K>N$K4ZMSQJ$W7PT9@I%OA
MFZ;.'8\(U;!QE:[#N>/12A&;]W-'J9^#6:(FY)E/X+(U3;NC^EHU$&%0F`88
MP5#,"C>F<=Z-'XKJF9/R?&J);EQ;;-64!.`+0D:4<Z:TFK6RLATE0]3("3]S
M:#FB>NUMWEOT/G4DGQ!2(G/H:JM;CW-'+1K4=)?5PD,%R_G8+C/NQ10%F5>@
MYPDY-UG)BGDNSE+JT&D-[::W=]PB<3BX-N!JM'S4,LO(R@*VZE7(`OE(T%)M
MD!-!%Q'LPF$@$4(A>E/0L9Y.5L;-!P5PMNIT+:1"UA=ST:]Z%GH0$P5;DS"1
M$'VY]0&!`HFR)@(%I=,_#QI13PB-`-Z)KA4KHNOED>BDSO$\J,2>Z41.[3SJ
MU-_)V_<T&I>C+(__88,RY_J(JJ(MQ=37-2=!`YKS`=-);]5(5'ZV88%PMTCF
MEL`J)1EW^%D\3$798?&:="7&9)HX//CW>!JK@#+.NB\!A<S!FT;6<OJYPJ5P
MTN"1BTXNG>%@]R%*_\K'SV5_DL\"4T`*0KL0`R=3S4XC6=.A+@@EA4)>'@GG
M[TY]MQRQ/!81)""]Y`W$H,B<$&FD)B>3%A.%TEO-QX#=4@RE%/N69R^Q,,)7
M0^NS\GO%V2C*ATS,YAM6_I=00O?QL:@4HB&A:Y<"&)G#&$MMR*E;4Q(4C$($
M<OOS4%[)?^HR7K.H8*^548/?-KUR>'3R#"UU`J*X@S`HF)O-LQSSH3WQJ$OE
M!YPD2?8C2OO58.='K.(L^(7ON,R$%MJ-0$O&B[)4D3IB9(F>@HV+P'+,\[2Y
M7F8+T^JZ-%//I/MX&E59>T;,5IT)Y&2\-TMU:8['7&3P-@UTMZ1%>8GF%:FO
MI$@O%YBER._/;S5FBUU'`@09G]%2\G)+Q0G_C+Z=-T9?CQ7&7RT:-8FKZT(,
M?!O]1WDNGP/R&5D/D'/UN&.;#EEQE7(9C)_&252R067PGV5/O-%('/J]5+O&
M5<J;LUDJ7PN]=-7%W^.XG(A19JGM-0996ZX6M\<G_.!Z-2103%/:1N"@E/,`
M$;K:C-%!I!!Q\:HVQ#R$E=G/7?_O:<ZB1)R$+G.,O_!!BF4`],:[;7<"/9G=
M0*<?C<'M!GGG2(Q86G-=!7-Q7W(EG[,B'J;5WI;_YY@KYG$2I\.SJ!A=\DW[
M#S88&BY]^OP$EU+@9R=\D%U;>].C&"A$%'U.`,P''U;4<K],(#A9)!#84ES3
MB4!*)DZHTP6(Q&:@%$*"7FF*FSRO=C6F;H8M4_7]"+QD0GPZC8#("L)*(93'
M'6#Q(MSB*MMR:G7'974?P`0)&B[Q^"4A/]S,]S4DT/%#KMK4ZEO():Q?:;S!
MY5_+ZOGF0U;;>]6+-`MQT_6=Q@X(3M7I6D@EK/ML?>W+AY;]S\X585%PO`G3
M"=&-=QTZ-`^T1N=<,H'?V+`+KGK0LO])MB:J]VFF4\`Q8K"`^#0+'%RPN\[F
M0<TAY]G>=L^SAAB%&/%P'3PH#%*O<R$9,K$1+TKV/]/6)+7-,ZT)_^P8\P&H
M@-D!QV&C'XU[6,?Z-Z0`TJ!P=+.M,<9CQ"C&39;&XDT?5I33@54#[G+^<6#I
M</HW@S1`?0B<9([U_>M//7MLI$-Q/]F:6>3O^A%(9??13TWN([2+7OOS9S()
M`/X5LCDM'(3SOK>X*H'+SU]%!Y#6;EA9=U;P+L3`R604^%=(C5FQ%`Z%+(2M
MG16(_O_53,<7/Y_Y\-AUE@[O6?XD4L(-,M"T%)C(>N[U=:6VKLPR><]^J"%[
M?]>A-(K26U+ZAF*09*X[^1>^?*<`B83"#:BMY;V_>U0:7>EM)7U#,<B==*>G
MPK?F_5(DLLM4[[P'BA[QJ+\:WXH-/%.R`;^B%<?2VDFW>JHCM3VDE\=L;AR^
MSPU[N;O5[U>7!]M4DMX.4C<2@]M1;UE>?1\DCAG7C]ZY[B!V?[47%7K2VS[J
M1F)P.^KHRFO<@\0QX_KQ.]<=Q.ZY[*/D<Z\'7!6RF%X)%??EBFG%+6[=9A=1
MGHKGY[AJNX^`_<#KQX0P=M27EI?+#RK&^5G>9Y2J#B=\=.4=ZX]SWNL_T]>C
M9O4:[,LU2,F^Z%Q<F>.JT3Z:J6[`I;5?.QI;L/ZOP^R%"S>>+EC\'UZO4_Q/
MO6LVC)*+M(S+B28+1/)+,4HBCZD81;G)<S4@?P?.C:B@=CH1=)33SVJ3$5__
M3(R/0K$-M>CDQ)!@:)X5CO+V6.YHMI!>3!?2:8W7:FX9:S>;FHJ!HH?J%-*3
M[XE`1%M#$W^9(:\D<\UW9K[U._%DLRT?:@<]:*60'X@H2DCU,CCDFA`&3E5F
M8KH#FIP';1LQ3'_A'7^642=L6$=YRQ8B+#DCM%`P+L$V0Q[4^P1%R2<A=X1$
M9963M/H?D:G[$B4B2=?H3.N;"W3H`1>(_-4Q<2!$V7;6G+\V*SNXK#0XKSTX
M\]HZ6%7V)"]UW6Z\.GPZ.1/><O=1\FM`OKV7;W`U8E9K`&%0(P!=?/+R#2$G
M"HY*".6K%P&?HJ.0IKU5=//GIRU?**H61XMWFU9^+X:$[I&%$++<)M/)X)W*
MEE+VYTLNU;)2U=J"T!NM^/!"5R1`H+72^31+@L+%@<7EN=-QP2W6HKB;.CA6
MUQ!E;05&Q)(!LZ&`)M_:;\6X&[O0;U.46"-DM5DA@T9A3:VE'G^G_]_OQ"R]
M8_E+W`<L;K*?BP&A.Z`Z4<E7)PV4K>>'YZSP=/JV:6)%%4-+,4PR9]DR`<I9
M`T-%85^3[-E73\]1G+.!*9IFTX5`C'@]^JX_8H-QPKJ/\Y%)!@VII`#O2"`.
MZYP8BRM:*$:S,]HBWMX2B4@L04S6#FC5M@+?A[8NKF&M%,V<`$`G81U@$+KE
M=E?YS46Y6X&O1@>=("WY_><0(GI35E(+]4JS6NTG+RR/AA(E&E"[="FD0,93
MM%";>CK4D`*%;:1!]B,>_&F4=+56S^&DW\_'4?*5E:-LX,Y_3:="$F2\7@O5
M.<T`LQQD.X#D1/]?G\3G'Z*"\7_Y_U!+`P04````"`!:?UQ%PN=VD!_T```5
M\0T`%``<`&%X<"TR,#$T,#DS,%]L86(N>&UL550)``-[]4]4>_5/5'5X"P`!
M!"4.```$.0$``.S];7,;.;;OB;Z_$?<[X/;,1-MQY6KSF>Q[SDS(DEVM&9?E
M;:FZ9T?%Q(X4"4K9E<QD9R9EJS_]!9!/(-=*,I.+2("JO>.<+ID$0&*M'P'D
M?P$+_^/_^+$*V#./$S\*_^>?>C^]_Q/CX3Q:^.'C__S3K_>?WDW_]'_\[__O
M_]?_^/^\>\>^QGSMQ7S!'E[8S8=?V%7T&$8)N_:3>1`EFYBS7[S0>^0K'J;L
M__[P[3/[>];P7UGO_4_]GP;LUT2TRSYM_NFGR8:]>U>T_'<O\!=>*HJR)/72
M3?)7]M5+$O%169G`#W]_\!+.Q+<-D[_^2/S_^:>G-%W_]2]_^?[]^T_?!S]%
M\>-?^N_?]_[R?__R^6[^Q%?>.S\4;85S_B<FRO\U42]^CN;J8[:J_WB(@Z*!
MP5^*:JRVA/Q7V?H[^=*[7O_=H/?3CV3QI^PK[FF_Z,N?BLZ(=_T&WZ<L+QO`
MNM^;S69_4>_^2=B,B?_['W$4\&]\R>1_?_UV4_LIL[_($G\)^:.7\L5G[X$'
MXN-D4W]-7];\?_XI\5?K@!>O/<5\B;<5Q/%64](Z,VF=WEA:YW_9_H2_T+[G
M?91Z@?DOJW\,\1M_X:GY[UM]2/EM`_GOSZ+UK<_E/U(>+OBB^&39]AX0U4?K
M>&5-1_.M1@/Y"XMBM#>JO:67/*A&-\F[1\];B\9[@[_P($V*5][)5]Z][^4_
MJ?\E?_F_+I\]7_0DX,LH3KR`W_'Y)O93GR<WX:]AS,4@\F_!5I0D7Z/$ES_S
MY#\VXD4QHOC/O!JFOFQ6#SR^79:E>L6W5782A@G4&-:K+%A9<:NS,4^B33SG
M._75?WJMS)I3L0I$&W+HY>&[7^_^Q/Q%WMI_F3?"?V6?^;^7G_!.?,0[^1D7
MK/H4YH>L^APF/XB5;5PP[;.TB>&"91_'HF55^']DO086OHRWB?+B>6%*\><!
M:^8E_C*/Q)"Y3M\%^L]M&4<KW;OYIT25Q_[R!T&[3T*[WP;M5!^E,;Y5@0[Y
MKE!,RK8OF/H6EI'L`R2!GUX!DC^+NBF/[Y^\\#;^^"]1YSZZ#?E_<B_&81V0
M8!V<V3B\QSQ=C]`7+/\R+!7?AD4Q4]]'_%:8^$9,?B7+OY@!^,4`6/Z(OY@A
MZ1<S;/.+$<^.#U'"]PWP>1$G?CKXX-_KLU44ID^)9'P5Q=PRUD.`-?!HAUC/
MY]$F3),O4<J3SY$7)I?AXI,?BH=2\33_C<^Y_RR]^>&E^OM>?*G+'WZ"XSDB
MX3DR-*`3NED.S'D;8C25K5PPU0[SP@4K6V)5=2FD:/^2K;'?9'O_CV7^1H`_
MX#+W^$L^O-R$BTV2QB^WRRM9A<=K+TY?]L,X)L$XM@OCP3X3R"P:EH.EWO2%
M0Z".`:C`G=V#6IGQ"T]QZ"8DZ"8FG[^P3A0477GQ@OW"U10:5Q!>L)"GEDF8
M`!*`C9TD84HB86IZJ;:/AN)-#84+)G"0+R0\?N:V)9XI8`)8VTDF9B0F9JU&
M!Q[O)T(5((T.[(T?SH/-0OSU&$=)LO6>5SP+R(?*A*>I^"MZ"/Q'%:9)Y-SC
M,>'I)%(1(O$\^^S%OJK@RQF))RD3%O/3E[=NL3<#[`&O.LE>[SU-]7YO=D&T
M?R#ZI@U$7ZQ/294M*HD96-?2.EHL)]4*L++89S_D-RE?U2R3>\1H2*MP"&&F
M.M2[/<PD[#=9C*ERME>V/20^83-`08.'%F_HM0LX'#>E-04G>W!RB108-H#V
M/AM2:&)_SY3:?^3HTO1QVR6<H*8.G=(]3E^]%VFIJTT<BR\I7/!%]"3[1PU)
M-!&\9UP%/]PQ,%>ML[*V"8'R-#3V.1!"TZ%[AH7H-F!\=0,,J!M#&SLI''_F
MCU[P43U'MM&.>S3QN&=?/3[8<8*`K-IF6>,NB\@]J")#QUI^6+]\2-+8F]>-
M9#0]N==*4#Z5C%AT:8^<:!L,*"I#2[L-!DU>[K72EXEJ3BT/.ZJ.&#3RDM8'
M#B@P0X-WRL=FM0FD2GK-U^)7Y"L15?P=</F'F`0N5U&<^O]6KW^-HS470_%7
MX2RYO/CXKXV_7M6OEFBJ=*^5+'W<&'.2WFOX%>VQA=:@FO(\K27;$$*E&;KJ
MM4#8IZG3_5;J=/O(J3$`]08O6-FD8E%O]((5S8J_9,,7JDC9MEAVN;#/%0KC
MT+&O!EF:<-YO)9R++^9'B[M4++'W@:L5.S-\/_!'/PSEL\8'+Y#'HFRC#&5Z
MZ/!7@S+QV$`K&3]C]&.X.`RR*'1F&(MO[!##R+D#NP$$DPS3`@Q]<P$&Y[&U
MC2D,3$!G6L)TZ8=\\8&'XH]4FBZY7/QSDZ3R:V<;8FI@I,4H^JUB%$?">+!K
M.'*J&LOK*9P25M5DOV5U;3_!]V$H`_KDS)BB137ZK:(:U.?TQG!)W4<[U/25
MATDQA-VF3SR6AY;26(QK<99^H`!/GB*1&SL<P0T&2*"[K.`F[%N9]R9\YID3
M?O;\4)IP+W"T($C?7!"D5>>P86R'NJHJDW79&UG[K3-PP3`&=,W9P46+;/0[
MB&P<1=E^LI(,+2[@$H.<]J9VRM,5ZF",!/K,"G5J7KB*5F+Q^R2GBV=^$\ZC
M%9>6W9EYLME$K*-5G>VI1$U+PEVWRWOO1PVDM"A+OUF4!4_2@D'Z)2N"06K"
M*#K3FXKIM39'1VJ.7F_/T0_Y'!THU-4A$ADF3KT?MIF&<1WHXM?.-"W<T^\P
MW&.2Z:]-(9Z+EVV?.>C#4!!TXROG=D"+$`U:18CH&J5)=O65;/:0M/5!+/ND
M?!5[`9_9#SUCJ0_-0O)BV!8?[)BN.8!A)DC':_\YT*)/`PO1IU?VDW`M8C6`
M$2L(R6O_5=`"60.C";!>[2_!A:T'`QCK@C"\=OJ)";7,A\`<`K^QT@R`MTTZ
MDAO+C7!9AZ33XFN#5O&U]N<._UN4:<,S#-5!]SK'\U562+QV]21XD"G.A$<*
M3?B3Z."5ESQ]"J+O?^,+\?;'Y9+/TP-4TR)\@PXC?.9,4\/W0CQ;/*M&$P<1
MAN$_Z,L_!L*TF.'`?,S0/+DM%R+5A[+\4V6B3XF_'HN4O#'YZ4Q^/,L^_X)E
MW\"AQ0F,54(DG/LEE(DK/T7QW5;BRFK;P@'N:>',08?AS%,9HF:@KM)OLD<9
M\71IF(8A3>BWUP@G+8PY:'58S,QJ^01@/F;Q]VSQ\-8VBC`2";WT&E&D11\'
MK:*/)U\?'$-AR]4`3`&N[PVI/L8E00)&)Z&;G6-Y/Z=#6K1QZ%"T<1?(/%J1
M,$]EX>-2,%BRK'G;Z;%A8`\ZXMQ(H@7JAHX%Z@[0E,@VW>$)AL2@.\Z-)UJ(
M:^A`B&N7(14_8IXV468*YGQKHI0+-]L\P2`3=,>Y\40+&@U;!8W,/;GN6W:Y
M2A,,Y$!GG!M-Q!M*S!]\.A:B!FMW9U;D0^2>$;=#*ON."@QI89&AN71NS7IU
M%$VN'`,8PM`&],?YH$0+3PQ;A2?,3';U3&'3G)\S):<[VYK7$,8&H#_.!R6:
MXC]L=]?'R475=D-3/B;E(Y0K0Q.4\Z%3G.))11&CF/N/89;]<_YR'WMA$JAC
M^DTUU"%-SA]V<+?(J0U1<)K78?.\$DNK6LPKJ[D4=!I"I1\Z\#522E/ZAX9O
M.[%-J&TJH68/'?8*J1S1=/V1N5M03`'9\AFVX+?X#*9]B)OAIQ$,&D`OOT:4
M:8&%T1&!!5,A*C>Y=NS4VP@&,R`"KY%S6L!C=$1R.I,!-%=9=^TXVPC&6B`)
MMK*>Z%M"KWDBC*W<'JOKK)<OPHK;&T7W"0DC6@!F9/[4SM$=KDN]`S:V5DW*
MB[JK1L&.5U>TAQ&,W4`_O@HZ:0&=40>W[9P,TYW</3!AC[,TPG@/])MS2X-B
MEMM_T\&(>*F\(X=B=CM[C@+^"+D^WNU84`O,:)&AD=V#*TWH:A7`=N<NCA&,
M&D%?.0?=Y_VW(8YHP:-1J^#1R6G[C-R*V":R_=F9.Q%',(0$7>,<7/=R?W@-
M6+38T,C<O4"-.W8D5*JN=9Y@L`=ZQ`I/J,ZP=^%/B]^,S)_4V-,EC"%<!'%F
M"0\#,M`#YT'.F!9C&;>*L=!6[`T0:BBF.?,L.(;A$.B0#D%:+'QI*B_XZOF+
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M<#F?1QLQIHOQG/O/];'?"4T]G[12S]L^<S3J5T')9YXD?V4Z*X$3K$`9'=K\
M3%BAJ>J39JHZX6:[5KQ<>?%BI:)O8L'N&C109(?&/Q-H:)K[Y`C-O;V(V@J<
M7#"]8'?"B1E`@_>V@8$R.S3\F0!#4]TG1ZCNQP5ICH/F__3"C1>_L)YM8J#@
M#BU_)L30]/=)*_V];;3W]<Q)4):'AC\38&A"^\1X1I_6T+!?"FJ*=Y.+`B'K
MX$!)'#K@3,"AB=P34UNP6_&R+<(4Y5E1@54U;(,#96CH`#O@?(X\>>_29^XE
M2GZ5LJGX%;_<+C]XBVO^D-;LX9_0!.:)\30\K?H(B9*SE3X>R3;$2)17E8IP
MM&2B.E/U;?,%-6'HGS/CBR803SH0B(_%2M93-Y6IFKD0Z"Q:4$&&KG$#+9Y\
MBX)`O/%=_&YQJJ8T)7G:I9*\MWOEDJFZ,RE]XELC5B!'+/=6WU,H.4.OG`]0
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M?8Q\QL6F]X<75M?6;_(#K:\[8?``>OUL$/^\/U''E!9>F)I*"W.B3I\87I=2
M>TQAJ`(ZTS:F7[P5OXY6GA_6X$<+4DQ-!2D.=.8`5A=,%F6_986M@P)#$]#L
MMD%I_-/.5ETU--$B%E/C$8M3=!UE3[N4FF\-:?/M(8T70]JZFH\]U:QM2&%\
M`WKS=4!*"WM,384]C+%)62M>.L$F#)!`)W;(9I+PNF?F&2WZ,6L5_6B[O4A]
M[YT[,=5KEOT[@_$*:$='_$L+1LR,)Y!QUL<PF`!MZ8B/:4&!F:F@P)9K+YUP
M*A3?H?&Z=NK^4YLSFI@^,WX;[58?W/(VE+RA-1WS-DW"GIFZ+7:/D]TY!CN#
M4C.T9]?^_N3Y\=^]8,.O_60>1,DFYM_D^C86*]<:!FB*\<R48GRP.V6"0%&&
MJ4(L1^07[LF2"W8;LK*X"NA:'R.@=@OM?P;,T%396;OL*L<LXYN`X]+R#XJE
MT,8.<%&#`TTEG9E22>MZL3.C:`-(5<8V$%`4A59V%PB:T#DS+G0V)&-53"1>
MRI:2DF=%B=R@YJ_6X@796=ND0&42FK]#4IX]/Y`''CY%\9T7:%K=512F?KB)
M-DEUQXO<U_<U2E3R-'GH_/[)"^^_\^"9_R)*/U4NJN&,IE7.6FF5QW!FQACE
MWHPD]5=J2T8UA%TP696EHB[K]=E*U;2-*!0HH>=>*:*]]S3)4]4W,CN:9;-L
M_IT8+=\EX@.V`I#59^@W/LE/8<7'Z"1G'\6RS[K0<+=,MN:=$FW$X^?$=J^?
M6?GR\3%6.QFSO==U=-,$7U6_`=V$W9>F#%*`_G,LH=V!6"+NWCBL65NCU:;,
MW#6M-.E:U7=S+#X`Z6E'8\%S,1*7G^=&-BG-0QKA-C7WK@FGZ?>JON-+XM<T
M'L.0`>+!<Z"U7/_M#SCTWM,B#JJ^HWP"$^P9?/WPF>?W'VE;H[[[Z1-[5/QN
M*GZS,Y/JC%'`PT=1)%HR\>!G?^T+`R"(?U\5O;18B:KOUOJA#;2M5PR:L.I,
MU$[S@4:MS1A,K>_DX?M?O+0XZW``35I(1M6W-+#B_2S/EPO2Y+\W7L!692DY
M!J*#J'6\8"0'\<WYX44+\:CZW8Y\^ZDZ,+S)RJRJ[=+P!0-#B',<Y&L5Q:F<
M)*ZB)#T$&RU\I.J[,99AG08(JMQ1=]L(`@++IIALRR4@8?P)<>"9`TF+,ZGZ
M5D>_1APV&@HO'"81AID0S[E`XJ%5>3.MIT>,+/6<BRP95"^WA4K;J/:0L!%T
MYRM"E1@FZK7+C=]RQ]BI>:V5(%VX=%2SI<:>DT&@[4GL'W[ZY(>W(?]/[L6'
MHNX]8J2GURK28W`)B?=Z_PZ0ZPU76J(?LAY[$?6L(X=$9:"'SATY8NBEURKT
M<OI%XG[2VJX2<_Y$<TRVY]*>C1X2=8'.<X_&RV7*XT_^,[]_BJ/-X],]#Z5I
M#^Y`ZA%C+CU[,9>6!C@\+'JR"392HV+"'C9I.5"^SUZS#B<25($.?$5P$D,J
MO<Y#*D<RV78`S4B5+;.\:2;:5H.I4SO@>D@\!3K5!6`/K>:+C06W\><H?.1Q
MPT<;8N"EURSP8F,'W`&#''S<*?=9L"@6?UD_5*'96F/5R>",(5:)49Q>YU&<
M$R%Z"@6IW/7&5'YB^6GN[7_K(>$AZ/573#@Q=-2S%SKZXXW&2.0(^L\%5O,;
MQ^Z>.$^_\744B_DU2_US*&[>(T:.>O:.*#7H=,'<W?R)+S9B4(V6K`IK+I&P
MYL,+NQ>]MHX>$BJ"KCIO]/K$\%"_\_!0"^(.3.AY2TPU)2\VR1K+\W6YM)^C
MCT2"H.=<(/'0_*0?!ROFJ$-/_WUB7*AO/&&4&7/L%ZJ<FZG[2,@(NN[50DJ,
M)?6=.S74B,U3/#-MG=O4GYO<T:_Z2&P*>MP%MO>$:[8V^-1A3(Q/]>T=#6K:
M\_)J%]<"H'TDY`3]\1H@(\::^J92BIV,+7(@='O_G'4RD7@3=*)[9-;%71I!
M2HPY]5O%G"P$1&L'1>?#GWTDF@3=]<IP)$:0^J8NN3!!X6G#H(Z-I4AX"3K7
M!7CK2"3&A_JMXD,GVZ99L'7CXH&P/A*1@79V&0IB2*5O+Z3B-AA(^`/:VF4P
MB+&-?N>G8AI-0M:Y0&(3T-0.<S$@!AX&[6YYX/'^X4(5:`$'ILG:9F*`1`F@
MF5U@0B[@#A-"E/T']F3_[?Z5SU9RV:IE\I#).J+TB5L7G@:(<@^M?S[@$*7X
M0>=2/,Y+DZ<@=V:D`2*10T^<#T1$(7S02@@_V5,.3I(31\H&B+P-K>P*(#7G
MHNMH(2K:@U:*]DEIJ>FH6^@@^C,T^9FB0]29!\[HS!@^\F]'CK0.$-48&O],
M(2*JPP/;ZO`I5&"W=-X!HO-"-[F`6^/T;W7P$07A@7,'!NJWN:!I>!KL<G%)
M)D"T9NC"5P$F490>M!*E.TLHT7"#H!N3+J)?0[>X`-OVA-0TV>>`*&\/[&W=
M/]!AIY5.1/V&GCA?JH9$<7S8^:[\AC"U7=(YF1QVB.CLT&,NT-<R-=$A*HF"
M_-#=??@UAC"76\RI=*%#1/^'SGZ%0!,#!4/G]NS_P3E&0A#0QRYP?!/B_DO^
M8R->3+W4?]8N'/RR63WP^'99EBINN<BW(-?A30QA##O/-75:L]13?Z$_O?MA
M+>WB-Z%]LG;QYP7+/ER>9=4*5[>'%#NYK?\DD*`+Y.*/\Y,@QFF&]K)<F?EM
M5!@GVD00N'<+SA`)`4%ON@#RH3D:]=>AE0HQ2#1T[DZ1O58XG>R*#]\NK5F0
MJ!3TM@M<(_OYVQQ@&!)#5$.C]\&3>PT/T+AR6F:(!**@,UX#8<0XU+!5',KT
MB:USHPR)*D&'O`;*B$&E8:N@TNFUV<-P'7?ZRMD#5T,D!`6=Z#B9AT*=0V(<
M:M@J#M7%[-HZ7Z\S(R$2G(+N.7/>1L0(U:A5A*JKN?9LF1LA(2GHHG-GCAA_
M&K6*/QF>>4^4^MG);,\C))X$G><"C4T6?"-BE&AD[Y:0VBVYU@E!(C70SF=#
M"#'0,NH\T'+,NM^M5?T("6Q`/[A`$#()W(9%&@R9LZ+9Y$>,7(R<NI]CGP$:
MK[W4TDO/3S-R9#&&A"J@^UX1FL3@Q,B%VSF:$'G<$DV&@HNL-"I%C7OK-20&
M`9WJ`K`'][_L#Z.-B#&(4>?'9)IV^'0[?!R*C8V0R`5TH0M<JGSZVQZJ0Y`8
MI!@U"U*8N`D&Z>2!^P2L`X0$):`#S@P@8OQAU'G\80\W!X8K5[%"(@K0+2Y@
MU6RAT^@9EQA@&+ERT*61$9`XJ[-/&TBX`3KK=<$X)D8?QI;/Q[1B\+1/'6ZI
M.&,D;@&=ZP*\:BKZIDUAM9ECQL0PQ;C=->:GRFR&=+`@,-_H+YX-%'U;FT6M
M$X3$&J`'SHP@8L1AW"SBL/V,<'\HIO]%*W<*GJR3@\0@H.7/C!QB)&)L)VN5
M^ZP@T09HZS-CA1A1&-N+*+C/"Q("@/8^,UZ(,O^X<YE_#R:-A(=O;LD.8T2F
MATXY,ZB(BOS8WL78[@]"B'P.[>T<+S][?EB+"U$]'UM6S[?Z6(KGXA_ZPY5?
M)J*WCQ`BH$,?G!="1/U\W"XIE)''\[WX./1LCNCDT/SG10]1!A_;D\'W$V0?
M%D3'AM8^*U@F1)EZTKE,7<](NP6S$T1-$'$9NL09HJHPYUZFB.KRQ%X2)JR7
MM1L(W"`($9>A`\Z-(**Z/.D\Z]$^<-KN('"#*T1ZAFYQABM]0I"/ME]X76!V
M0M2?)YWOA*_K8+,4%,BTE^VF$RU8APS1K*%_SA$RHG`]<42X1F@3?[+'_'G.
M=_$^N@DB;$-_N`#5QW]M_/3EX#TO$Z*J/;%W_<)N#\N#$^IUEZ!!A&MH]W."
MAJA:3SK?1U['RH'E4XZ2.[=,31!-&WKCG%`B*MJ3=K?IGDJ./##V5'.7=6`0
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MJ-=.#>FU34"X+ACXX`0#B/X*K=LY`_(_4GI\]@*Y;?8KC_UH<1/.8^XE_)IG
M_ZV#@ZC`3DTJL&WZIP<1_?P]]F:1O_M67G0SWQI>>-6B=:X0F18ZYKRX(DJW
M4Y.WS_YAN$+D7.B8\^***/!.36]!/I:M^9-HF;N-$Z(!0W^<%4XSHA(\,Z0$
M'T-1N6A2?VC5+EA6D=V4XU=1]ZUMIF:(,`R=TBU3GX+H^]_XXI$7>Y3NHP_\
M&Y\'7I+X2Y\O_J%RX-Q_Y\$S_T5=$%:'%U$IGIE6BH_LKCYPK6.>>C]84*;)
M6%313Q9KS60+^<O;JQLQRJ41XUX<BB=_Z\/:#-&<H>/.%D&B+#TS)4O3R%-C
MG*S/5`/9YM,WLHVW3+#UP)G>3I&U*FN)_>+$I7XS1.2&WK(]G5ZFA437Y.[V
M&5'BGK62N$^V/*OI)*Y+.;0BFR%:-W3!F2%$5+IGK91NZI*L*3EP3>:E;%?\
M=B;W[`R1OZ%?NN6JWNAU(!&5\%D72GA]KPJ$[IZB.'V7\GCEYJ;X&2*,0].[
MS@I1(Y\9U,@/(])@<+%."2*=0Z-;GZD.3$U$L7S62BPG3TW87'2)S$4N33R(
M$@ZMWBTFNV8-%Y^X>,;U@D^;<)'<1<&B#A>B!CYKI8&OE<;S,=R;L:4L]%_M
M>GAP)2Q''"Y>CY8L^PSK)"':-W3(N9!$5+UGK53OS(%WJ1>GAUE2Q4S0],`?
M_5`*1`XQA0C@T#7GP93H.XDI5;]%A*Y]Y/<$'%D&1K-1"0QB]W,!AB9FJ_HM
M@&D?TFT.C$KCZVR@3;.4AHUE1?IX;&@"M*IO_#'\-8PU4$Y&;'\NT-!T9%7?
MU)-6.U8N,.E/X)/78:H2D[6L`P3%9,0/W0+T-8Z>_05??'CY->&+F_!&*6!B
M47@Y3_WG['()/YEG%WOQQ:U8)ZKC+C71L/Y[FKBLZAL?C([N]-9^$DG=.F])
M'CSUBU:85S8CUMEI[#]L4I7C)8W80FN7167#UM&$>C3BRC-'DR97J_JFACPR
MD6H,_*K1^$8V))A\R\JV6-78!=.;8[?N@`C%;L1Q=O8*"!/N.T+2?T_3N%5]
M4X"!/N!Q?DF)(T=$-'-H*%A6M!NC0!.R57WCTV!#)L0LY@P24+U&3&UWFLK'
MTN.G*9JHK>IWOH)JW&FP@GJS*>8I?2T5%>V=XUH*"N.(4\\<4II>KNIWM99J
MS>:>M539UEFLI:":CCC.+HB?_-`+Y\>#V".*[+U6(ON)1LO&G=[[O+DL6CG#
M,;*'Z/;0E6>.)E'.[[62\VEC9&LB]XR195OG,$;VD$@`=%R'(*I32C?A=CYJ
MN>WZ-BS/^N>+]ILP2>.-NLFE5\<@,3;0,QX;.+*_,!,<DWC)/3;6D4+B!-`/
MYXL4,7+0,Q4Y())T59X/W,GG7IQZB$(MU6"IEFA-60</B2]`;[D!GA(6%C<I
M7]UL>X?7<D>,+/1,;5L_KI<[V-U`[%2F]]LPTV`63+8BB^TP:'OCJ697C3J;
MH8/34D<,&O2,[W&GX9?#Y8LRUD%"I']H_@Y!RD^W98E";Y=_]V)?/E;=R(QN
M/$D_BM5L^K(O6VJ_1XP(]$Q%!%ITK2"E*,.*0BPK=<&V6W,EHZIF/(TGF_&#
M:+7RLXL7Y5YR]3#TR,634O:LE27OVK]!OM\CQA5ZIC;(M^E;E1Q1*[:56-65
M[?*:O32&;`8<3L$0,<#0,QY@.`ZFLE)V'G`++H>(0J(#T"-.$%7'#U'[[QG/
M$%/?I6:TO/D2I9SUA[:3=VBFTF"QJ>"WAJ5/U.?[IO*_$!FQ348?$="AK9T@
MHW'>[WZ?J)CWC6=S:=5+=)UC'1Q$\(9V/S=PB#)WWUAJ<#(OCEXXH)E,X\BF
MREUOZJ]1X,]?#C)$U+7[QC.K-.YAW0PV=VH@0M1JZ(-S`H@H4/=-"=1D;K;J
M7+"LEENC$2)"0W]T"U,4WJ7"-E^]^#:^2[V4+Y3^^I7'=T]>7),HH]\G"LY]
MXX+SX:[I'$4A2^1K@INU%[-G!W)E:#;2:+&I-!]/"U%@[IL2F%M#HLJ*L44P
M(F]"5N7S,)>HP505Z]P@BC+T@!5N]N3>Z?>)HG'?^&;TG7Z@XX=UYR-2,+2L
M>\XGJKU]0U<\'O"Y>L.)S$J:!33'6U9LFSB>*-/V6\FT;=-/G,4O'E%?H56=
M<_R`*+D.6DFNQV9%:O#SORAN=;U)D@U?7##1@-QRE=_D:1N/`2+!0MN[AP=1
M9!VT$EDIJ8Z.0>1#F=3(%4H0O16ZP#U*B(KJH)6BVC87S3%DJ)0TUFE`5%-H
M:BLTJ">L)+-6'11$B730A42*=*=&C_#5F]:10'10:&AGD2"*GH-6HN?QX\0>
M'/+AXBZGPJWQ`M$UH<F=A8.H90Y,9=PXG@OK0"#2)32S%2"N?7D8+%PDA<)W
M+2^(B.OI(&J7`_/:96V74+6B+%TIEJRH8)T;1+J$#C@/;HARYJ!#.?,P0.HB
MUA*<1?ZVS,?*YMIRQ3H_B/H)'7$>_!`5T4&[FQ./%L::#CY)-D\5$"ETW&`&
M$4ZA\2TN7BXWZ5,4RS,S=:@0-=1!%UM=:[I4\]#CE06LXX'(J]#@+N,Q)"JM
M0X.;6YM1L;7&99?.L#%$M%5H;8MLW&[2)/64'ET'!U%G';;+YGST-`/Z4]V+
MHZ"(JG=DUOA,J957$5AG!%%6H='=9H2HL@Z-IV=HP,G.!*/Q8IT01&V%)G>;
M$*+D.C25;:$Y&#LZRJU#?"#2*S2XVWP0]==A*_V5'NP]'A;7PK]#1)J%WG`;
M'J(^.VRESYXF%$P!R+G@\!!1<Z%3.F5H'?,G'B;^,[\)Y]&*?^'I[?+>^W'@
M4/&0*.8.S8FYAWJD`;2.0K7I/5JRK8HLJWG!0I[*-^5]W.X<*1XBVB[TQUE0
M1)1VAQU(NVUPJ@#R55GKI"`J+K2Y$Z34$4(4;X?FMK/6]00'(BN3YQ:[8%^R
M@444OV"7.SD\OXJI++2>UFZ(J+G0&TZS0U1SA^UVQ+;>J]`.($=&%$3$A7:V
M2T64'CQ`/"(JN2-S2N[>[NP=6U06"Y=.Z8T051=:WGU8B,KNJ(,T!<VH4;GC
M$IE5\'(^WZPV@3IU=9L^\7AG`9SGP+QQ8M`9(<HO=$J7'(7"!:DOYNN[S4,4
MBZ=-:<AK_E"WT!T1A=]1N^VU;8,#M=TIR/D:B^G'7WO!5GA`+&#T"DS4$)W=
M.'"48X0HP=`'3A-#%()'YO?>'J1F"XZ%.W`@,C`TM]-P$%7@D;'4`P>9T(J`
MP</Z,\\(T7BAK9TF@RCQCEI)O*V?>6AX.+))>X2HN-#N75(2KZ-86.DR7*BU
MW-ZKRD9$Y79D3+E%>U&!D;^M,I1D2U97KBD;(8(L-+,%(.2/YH[/-[&ZE&,_
M%D0I=F0LT^R>OD`XQ"HC94E9S!U$$"46FKP[1*YYXC^JD?4R`9<D[`>%J,B.
M#"FR#7I472)2%&5>@MSLX`XUB`8+[=\E->LH\=//OO?@!^6M05FVNN2@C$*4
M8T>F-]<VZUTYYFR2-%J)62BO9O^Q!I%FH<W/!)8Q4:`=&Q)HVS&2EV9:<2V_
M8^*46#M&Q%KHA<[QJ4LT/":*LF.3VVV+[UYPH!Y;V+P8,1:.C!AC1%>%=G7'
MY401=6PR1\&YN!P11J%=W7$Y404=FU9!=]U^Y9S#$;$36M4=AQ.5S;$A97/7
MSZXL^L:(8@EMV+U[K\6/($G]^8$-8&.B7#DVG?VTKC\%![_^=/?37ZU#@`B2
MT++N0D!4),>&%,E#OB_>OV!%"8<VB8X131(:VETFB'+DN)4<>>3R?M^@P&*>
M>GY0K@/L#Q*(`@FMW#T0GZ*8^X_A(1Z(JN/8]"56-=TI;W2/Q'^=F"L021$:
MUUD,B!KBN)6&V'ZJJ/%^-5/D!5R:*!#9$)JY>R`^O)0'-"X#,?Z&ZM;O`WQ,
MB++AI)5L2!@F]O=NEQOVX865Y9E6P38\$T0TA#XX%WB(DN*DE:38?G!IQ\P%
M>]"@N="I<6CTF2`2)/2##8#NQ4<=`H8H2$Y,'^?'>X.-+O)]ZRP@VB0TL:LL
M$)7*B:&#^\T04(.%+.#2T(`HE]#*G>(0\[FO+KV^7$5QZO\[^SM<7,[GXG%/
M_/V%U_)!%#8GK83-X\:*)MW3R"F+JRU9GE;'.CJ(*@H=<#;H$$72B:&TJ@1B
MQ')$JZ#X*:NHPY'6"4(D5>B'+@F*_6>U>-/V$M3Q0M13)ZWTU-9Q4J0C%2+%
MF]8#*Q-$/X6&=10`HG@Z,7VL?B\$6>1\419A055&962PC@:BI$*3.XH&44>=
M&-N]V6A8*'=2O5B'`-%1H7'M0!#RFY2O:A$@:J@38QHJZ`$"P&_R3:;>M?^$
M@DBGT+HV&!"KJTV8WB[EWF:^D-:J@6%*%$RGQO99UG<%H2(KQ&Z7+"NF`+&-
MQQ011Z&]W<:#*(E.31]];\+)ET@^5H@UA9=1$BU9$(6/[U(>K]2!$>N@("(H
MM+P-4*HS$=_\Y/?+'W[=I#(E2J'35E+H,>,([`KRU''!/GE^7%PE]?#"M#%&
M.Q\B6V"_R3:LST%31#2%SK#+CKR'/#]E<SD7;^WLFS]T%F!*E%:GYC>!'M]G
M!$(EAQ2GDJK*UDE#]%CHFO,FC2C23HWM/CTE8-I(5L>:=DK%J4,J4T38A4YS
MFL$#<:0I4>R=&A-[C^[I`0(O#Q/H3$QJBLC"T&-6EO1)PFMWU4^)BO#4V`[;
M[:^//=G)-ZR['1&#H4W=<SM1!YYVIP-O^Q](P)YZVPGU=XJHO]#0-EB0CR[J
MR>5VN6/8.CZ(8O#4_*;:PWW;9F8I']^>94'YF+_0%]4*(>OT(+(Q=,-YT$/4
MD:?&=>3#T.Q.--O/_S_'49(X,@,A4C-TP%EP,R-*SK-6DG/KHQW'P&-]6)DA
M4C.TLS-XE%&\.D2(LO.L.]EY?_^:3DY9B-L%E6>&:-'0'>=#$E&7GAG7I9L!
MA(7`L<G*F?CX#-&EH3/.AR.B!CUKI4&?=M+:`U.B;ZX1(Y*>%^LIUV3\2JNQ
M#A4B04//G`]41+EYUDIN/GJC7FNHK&."J,30UN>#"5$2GK6[MDL>"!#?ZO[0
M&+15\%5@@XB[T/8VL/GP\L63J;/W!.!G1(EW9ESBU3L!O:^B[5D!1R+K,T3T
MA5:V@<//GA_*^QENP^JU^N,#,Z(*/.M.!:[I6'4+`9<WL3V*4@E[$XB"/'EK
M'1-$#X8F/P-,B&+PK)48?/1BY``B>(Q1/!V):L6E)M_X/'H,Y;7G8FU;7O7W
MA;N27WR&:,30.V=`%%$@GAD7B$W"9)TB1#&&'K%!T1=OQ:^CE3`B#L[@/4TA
M5O7-@E-U`5O)R'?9;]G[MI<QFC%*#A`#V^#@*@K5K@YY[G@_#S0Y6-4WRP/L
M"C*&%(7R@]:N\`$%7\3@EK=4%0/UAY=\I]`W'JBCH\F3OZY_*AJ\I\F_JKY9
M<MITLLV\))ZFBDU5>C-N/%MI=M6@<T(=1OSQ>?^!JL%[FC:LZG<.V><]9ZQJ
MH7+H\)5F-0TA)[1@Q-K5*O$FS-:(-R%?+KG<[LB_RI/PV;%Y=4#EXX]YL%GP
MQ2?1WX]%H9`GR;W,-A@^UJZX!^]I@K*JW]&C?@=&*L__\%0%,^0=NEPO:AUA
MJ%,C+OR#(4P3NU7]#F2(#O$]_BE4^WR6?X$LU49V#J[X#DQ2R;:^!<N_AD.R
MB.99[=?BA#QO\=="4_U5_<Z7'J_VAV+]%P(C%@@A[OQ"`B])_*6?.5>[D?KV
MZN8F3*/,.Q]WR-CS8Z`%.E1]JZN?8^U1_`!R7&.MI0S92]&"X#V-Q/\X<*&W
M9FD-5"=B)MV`2@NUJ/HV1FTJGPT'Z%UX]:OJ"XZ+D?OC[KCMQD`,(SB(TQWA
M&Y6;/KQD%KY+A=UE\<_RVXDW/[S4':F_]QZ"75Y+@]!"0:J^&SK<L88Y@7:G
MMDADG\[*CV?%YQ],5Z"^AGW9!H:E$#IL_#22KU'@SU\.G!$?](C!J9[Y%.-U
M/7)OSY5FC0H':&&7<2#&IGK&8U,-*+A@61F7SOIKEM'0<"(PE91;&P^%!GK$
M^%//>/P)Z<N!O#A.10%Z2"`)&KU#2&`"COT)'P8]8O2H9RIZ5-^3$I`J14,U
M;KB3K4$SC0:'Q1#11R\.Q:(N^<KCNR<OYA^\Y-!%6(,>,:33,QW2V=NI@I2B
M$!.EY*44JRADJO0%4^5=@@8)RD`G.`X-,8C2:Q=$:7=:J1$P&14?O][9OC!+
MLX7&@\6PPU$\$,,$/4-A@O9CAZN#!J*\0Z/;@^3:#S8I7QS"A"B@]TP+Z`>Z
MU6"VR6NXA`ZBA4-'.(\.4=+NM3L]0)MQ:K`IV'!BUD$49&ACYZD@RKX]0[+O
M,>.(NP,(HJA"P]M#18;<P[D?Y!?%[">F3U17^Z;5U6:]`P2M!4&)+"^CLUH%
MASCJ(U(L=,>Y<$249?N&9-DC\2D'(/;-67P0N19ZP1X^AX3\/E&J[9N^S+&V
M0P>7O>R-6-+8/BBK&4@#Q*)4VQH0HE#;-R34-N=B78XB+L5Y^HA*"VUM66"I
M8X*HSO9-9G!!.Z)OBL\V@S$O36/_89/*_0$LC=@\&SK4<N4I"A;B6<HZ(X@H
M"VWO*"-$,;;?2HP]E8(/.;'.`"+$0MLZR@!1@.UW*<`>%%ZMDX"HK=#"CI)`
MU%C[K3364X1FSG3&0&15:'OK`EH=)40YM6\R&4M-5\Z4$T1HA=9WEA.BP-IO
M);">+F+CX.H"45&A=5WE8$"430>&,J8<</\>@=TV#P-$#856=I8'HOPY:"5_
MGB8<=Y[SQP"1/:'U[7%R0"<?$%7/0=>JY]X(BRYZ_I6]^1*EG/4&UI7/`:)\
M0L.[RPA1^!QT)'PVB)ZX$RX9(*HG-+2[3!"%ST$[X9,VP;B[N7"`Z)K0M!U2
MH(Y3WBX__I@_"1OS;U[*;\,K+WFZ#!?R/Q__M?&?O4">6:LC@RAW#DPF\&C3
MOW(8477DC1T\K\5B48UE?R=,3#AS4=,Z2H@\"GUQ7B@15=-!*]7TF,6).9Q4
M_@GU!Z_:L,X8(KQ")YT78T0]=M!*CVVQN"&A5=1BLII$ZJI`2OWQT2&D$)T6
M^J1KI-09;OD(>N_]D":4J3O]<",6%;?B.2,[D5T'%%&Z'1B5;AOWKLPI,D\W
M7L!DWG4Y3-GG!=%KH<G/B1>BA#LP+N&V9J9*RE%@8YT:1-V%AC\C:H9$P7=H
M2O`EP)*GMA!UU+1UP:IJK*IG&Z4A(@Q#;YP32D2M>&A4*S[["6N(",30Y!WR
M(M9^Z<LO/'V*%C?A,T]2^35OOX?"[D_^^BL7?@Y3[[$NE<^0J!@/#:4T:-RO
M<N!1%5A6@U556%F'596L4X1(R-`39T0145,>MM*4CUGUM,6IHF9=OB=3,J5/
M,O/_:NV%MN_DU(RF0613<P8VYH<O!QD2E>=A*^69,OYPY)H0;-#AKET9,D14
M:6CVKCF1/Z(H%-]O/QY$^7G82GYNB\=.'W:H*-]UAP1$5(86[IJ$.S[?Q.K*
MVE_XZH''=2@0Y>.AJ4VW:"=V6$C*M]EO60'[,"#J+[2Q[35(E="J2D]4!PA1
M^QV:TGX;=^S06C;1\W95U:R3A(B^T!GG1!)1]!VV$GU/MIS=AY0"YUF!L\Y3
MHD=+YFMH>?.YS#?-%VP3+GBL5KH\`W&E/N@GZYPA8C%T5?<+F>P>L/V3%U$6
M'II*G8!T87L4>B<_54`Q+ZX[<V;^0D1@:.8.:4A2?R7#>LOR9XC\'O=2,B+*
MP"/CZ1):]'%KY,E333J"S@@1?:'MSPL=HNP[,I4AX0ABBCIRAJKHN<`7/^Y`
MA2C#T"O=056:^8-8*'C25/)K?HK%G,[#^<N>:Q9'1$UX9$@3;M"C`B'M?586
M<.2VQ!$B_D*3GP4H1-EW9%KV;4&,-K@\R$<OA_E!=%_H"0O\7"8)3Y/+</'9
M]Q[\(%=#E"$7M^$W*8'$?O@H"GR)PKCXI]R^F^R[;6)$E(A'AB3BD_4;03!K
MLL!PP6Y#5K:C3FTGKMP`,4+49>@Q*Z-9^>???!Z++CV]?.;/PC)[!C2BW#PR
M)#<WZQ3DZ`*`%`&0+O3%E$H#[\HXAZC5T$$6R,*FDKU1C!%1NAX9DJX;]`AC
MJF9R="3(,4)T;>B`\YH>97VU+^:>SY]"7UA\_XQ)5,)'AI1PDZ9`)E&-4S'*
M5<.>W#BMMWO!RD99U:HS$RRBKD,'VWY<4+[9-[,2)?61H4OR#O0&>Y[,EU]N
MS)&()`Y-?5Z#W><#M_",B%KZR)"6?M*^'_=,\,D/O7#N>X%VH]R5MU8[*IVZ
MZ&>$B/?0KZ^+VS%1W1^;5O<-`UP^C,CY5VNYYN%D=Y8NQEV'*!XC<03H90L4
M5T]TR8&3WV-BW&!L*&ZPKRO(V/A&*_;6H;P`8R0H`$UN]QDVT7]E>X-,8V)@
M8&PZ,+"_5P>>9<4SPM9XXTI@:8S$"Z`G+#,$9:F]BLB8&#D8&TI"TJIOI]/;
M')%.QDAD`7K*`FFWRW)EJUVSG-UR6D<8,6HP-ATUV-<G9(:3L?!R=;]UUW1Q
MV6O^7X=R@8^1V`#TRYGP1`P-C$WG?3X2+.LGZL:(S`^-;062:E.W&,.Y_\P7
ME\E5%`3BT3KV@OLG+[WRP@_\F_![L+B-O_%UP!>/M6G\QL0PP-AT`I03=+T`
MK*HOK\A1#3`O8?.R">O8(6$"Z*!7@1TQ&C`V'0V@T[8]3VKL?=/8JQIDJ6B1
MB2;9@[R"1S;*HIB5S5IG$Y'\H1?MZ@J'[E<9$P7_L>D]]'L[Y>(\B4C]T,B.
M0T&4[L>FI?MF+&A/<(E3E^^,$5D=VMQ&K-`3'ICSNR?.TY_C:+,6C\/E*K6,
M512ABD-*^H2HI$\Z4]*/[#>F+.1-,=46*QJ[.)^8SP11RZ$GSQ].HJ(^,:VH
M_S>3V\X"3+J@SW]XP=RT;]//A"C.3\SOVJ_M$L;6PTL-7JYLS)D@NCQT@M4%
MF?R17:[DL<YDKQP_(<KQ$]-R_)XN8>SL*.PLK^",T#Y!A';H`W>&G0/+^@E1
M:Y^TTMIIYT#V]F_W!-J"+:MST]&2+<MYS:NV,E0O!M6F!NN$(=([=-/Y$$94
MWR?F-^8W`JOI!.?.(^4$D>>A-RR`=!.N-VFB#C\,]NY:F!!E]XGIW?>P)P4N
MZC4V<&8KP@01S:%Y[<+0VP\#40R?F!;#84^V8>BY`P.B4D/SVH6AOQ\&HD8]
M,;TI'?9D&X:^.S`@ZC0TKP48DFL>^\^>3#J;Z%/T9_G9?A1^>*D*%'E0[L6W
M^_#R-[YX%+/Q-4_\QS`[<K+O\9LH;4],2]LG-P02(V':9^RJ0\7GJ(5/58X5
MG\7DASGS;(\(Z=##%G#.?;%W6)L2Y?%I9_+X5F^0.(M\WZ&4>5-$P8;&=I4*
MHBX]-:U+-X'!I7VY4T0[AD;ND`;.Y9D->6NBGR12:K]-G^IQ(,K%4U-R,=Z+
MD@?Q=G;S357@@JDBUGE`]&!H96=Y($K`TU82<,M[`PY`<<U3SP^D0!?)E]7%
MLGFY3*'C]@6Y*2+Y0IL[2P=1X9VVNR"RW35(!^BXEX5=)@.1:J&]G26#J,Q.
MC>^+WD_'K;M<(,HKM+9-+JYBOO#3*R]>U&V&F!*UUZDI[75?7_:O-;*"3)6T
MC@BBQT*3.XX(49&=ME)D3S*`(*S(:^[GX@4W1@Y$F85F[A`+%2'EGR,O5*?*
MN9<4.[VEVK/WW,V4J-%.36FT3?I4CB19X0NFBF<'X%4%5M5P^2#7%%%WH6/.
M!"BB4#LU?4-C*[+D(,0R041AE2UGJM(Y;+(MZQ`AFBIT1M<0;9^2*U_3\E-@
M@?U#:15F1`EV9ER"/47GMX<WN0-&J_E7V[S-$+46^N65\$84=V>FQ%TSF&V=
M?T;IJ]N;G#B4'&2&",C0D8X`FB4V.(I-HM(\:Z4TGWHL;-!OR&=6R?X(B"C2
MT!OG#QA1NIZ9VKU\<JYJQKVLK;,8\A`5'+JO<R+#QVK%+/Z*X@77[E6ZE&''
M0PP2!?*9J70CK3NX0UWXJ#U-L**N?L'N91:5=8<Q1$^'[CE'QHA2^\RXU'X"
MV.(*MKB`K;JFC'FRMG7"$&4>.L<J8;]$"W_I9SNN#AY9G!%5^IDIE;YIO_:-
M61=LJXY3QP]GB'X/G>'84#5[?^V])%^])+W>\,MP<9?Z07`YG\<;4;&.,*+(
M/S.U[9K<X7)#KE)V+S%EE]VLUIXOL\%]B<(UCY=1O)*,WHKQD\W>,]DZ4^V)
MM=SM4LRM*1?62*W3B801H"-?`YW$&,/,>*Z2$V,:Y>0M)'EK48,M-EPIQ5Y>
M7LRYCD"(A!Z@O]R9:^\V#XFZ$B.]YDMO$Z1?-E*<OUT6^YR37AV%Q,#$S-0.
M<GJ/6\S/%ZQJC^4-7K"L2;G#JVS4.IA(.`.Z\!6`.7Q/"V:H^ET/C\<26H%V
MF=V';)LSS7HE9XA''.8,SE2UH-&B&*J^$R,@TF7R$(A(+];1A`$,Q(>O`TU:
M$$/5=VL,W,/HY>-CS!]5_H/;39JD8F&8I:_.Y.5?UU'(OGHO*XU/ZRC"4`?B
ML]>!(BW<H>HW1['M3OT38O@U2M)W>FV,1NO@P8@&XB%WP`-+GWX=9K2(AJIO
M8S*&'6PU];KWI*%94D/,K8#&D8C1`AJJOM5)M9XU!Y\C8-`"<8`[%,G17W\!
M3A2U6-'"&:J^C9&K08];#65P_G3Q&0*&0!`'O@HL:3$05=_J:->"S[-Y;(`A
M#L1/KX(^6HQ#U;?VU-""O/W/KM9Y@]$,Q#-6>;L,@NB[M-6G*,X..GV.DH0G
M-\*0S_YBXP7!R\=G=6$R7X@R67!S[P,K+;"AZG<T'Q,ZOW]J+AMFRR@NSA!F
M;5\PO756-J]*5A]@'5T8[T`\^\K0[1%#'ST+H8\3,/R-)SP60ZN\ODX_851M
MSDH8+SGU=7PEM+XST/:0X`GTJ6-;&`;O[Z/13`OFU\%)#)?TN@N7-.ADZWVG
M]T]^G+ZP^XA]\I?BCR]R7Y?:2R-;9*))Z_0A\1'HM'.ECQ@1Z5F(B+3`</">
MI1$;S;;WR%@G"@ES0$=8)>K0)4##'C%^T6L5OS@-./`VH$+6TT<I5X[::B;2
M,'$K*'$8$V+\H===_`'2H2B0]TFG<GU_'WL+7G,\6[NJP*&TWYKU-((<CCG`
MD;T.*V+,H6<JDWSK#K;:>7P?1QOQPH)=\X=4WGF8QIMYNE'74F>W8U@G#HE/
M0&>=(W'$<$3/^+6O1/3DP*8_&:Y4Y>S236\?>=:10V(/T%N.K<^O`B])RCN>
M];+[KO@9]HC1AYZ%Z$/[SK=^B%0-RD,7:`U'[@O2C*^!ZE:8XG2@$@,5/:,)
MGT[$9X9=Y#IV2+0"NL<Q[#[^:^,%]]'/,9>7/=\_>>'6P9@ZZH@QBEYW,8K6
M76X]**KVI+"6M\ADDTI?2U\<4]B0H`1TY:L@M$\,1?0MA"*.1G7V_O_KEO#6
M1P()T"..@39^?Q]-&TBY?6(@H6\SD``ZV7JXN_-_9'&$C_[CDY.!A#X22(!.
M.U?ZB(&$OA.!A%H,QRJ0,'4LD-!'`@G0$5:)*K2KS_NS5PS[Q'A"WVSZI[U=
MVCM6E>*=0RDK-&MIX+@56CB\T:&.)&+(H6_\'MMC.HNEBCV[C1Q])!X!W76F
MV!%#$OWN0A+-:<.WP9W%3K<^$HF`/K+*6K:OZS^$'?WT11I5?7BB+L\[%%CM
M$^,1_>Z.1S3JYMXY--]IF3?!JC;8?2:U.11S[2/A".BL\^6.&('H6XA`M`(P
M9^U?.6M^Q9H<WP(L5F8=.22P`/WDV(/EAY=ZF?WRAU_[G$`,+/2=R/)TJ/.M
MU8\/+X>"8+)9^X,C$HN`'GTEI!*#$7V;P8BF@!X(@;D!'1)>@,ZQ.R-'0<#G
M\B;EED\=`V(\8=`JGD!;!A[LX_ZG#KV^LT\=`R3"`'UTIJP1`PR#5@&&$RW]
M&D-W6%B9ZP"Z):P,D-`"=)=5[(H=9'(#V=;^L3U3Z(`85!B8NMZX9??V#VQ[
M]M8ECDRA`R30`)WC)E][]RD-B&&'07=AAP,=)#"6/GFIEJU.C&[YP7X9M7!D
M%],`B5A`YSEY</7X"9<8R1AT=WCB^+X33ER?QXH0B7E`Q[XR<(FQD(&%E%!T
M@MN=MW9Y-8F$3J!+.T0VBKG_&/XL$YZ'\AO*2>R.S\7T)6^)R\Q<AR(Q3C(P
M%2=ITJ=R;,P*L\>R-'N(PD4F1$</@?]87(N1U;,_6R-!$.B)S@GZ^&/^)-S"
MBTQO^\DA1CH&IFZ[V->776)X7DH,-WER.W<80:(6T.;=,?*S6.;*(?\V_"3&
MX;^+<9K_C2\>^4W(E\MLI`YYDGSAM;,>,30Q:)><*4J]8-^<IPK\5_O>Z9>A
M/\DBS-\N8QT<)(@`;7].X!`C!0/3EUF_)GB08`"T_QG!,R1&`(:&(@#MF9$U
MV!M9YZU<0LMJ3-5CJB+;J7G!1%W;.`T1O1]ZY)QP(HK\PV8B_RS#*<R2_-T?
MFLN^:.5>XZ@T1/1[Z`D;&%4AX8.Y/H9$M7YH2*W?WYF:T4<KRG[+=IDYM,EL
MB.CQT/RN\T+4WH>F4P@U!"<615C,O<#_-U^P1U$I>S`/E'XD84J?.$L\J?]$
M2_T>U*1\WK<.%"*O0_]T"-3&B[TPY?Q>?)+*M[/W67U(5,J'AI3RNFZ4&995
M)J&RE#L/YT-$M89&ML##;:5V?7CYXJ6;>-\>K"%1B!X:VI1_J#OEV)*5BV*F
M%60/+RPKZDAT>(CHQ=#R=F')#+8W%CPD2L5#0U+QH>[LA>6B1,610.X0D8:A
MY>W"\OG`8<4A41H>&I*&]_9E_YCBTNG$(:(,0Y/;1>07[X>_VJP^_EBKM']U
MH!`EX:'IW>H-NE9PD[_,UE$JNN9[`?-4RCFYIMV$"S]1J31E_'VC!IQU=DF$
M_:4M(A=#OYP%342=>&AH1WD+B&KFJ(*MHO@%^U4CRCI!B&8,?6&7H*M-'(OO
M>N7%\8L?/BHUK`:C$5$Q'IG.0=.T?V46WW(<BGF@-E<$OO?@R_-;MM$9(?HP
MM/_YH$-4AT>&<LRT):9F&,JKL*).%GZPSA`B#D-'G`]#1)EXU$HF;GF'T6L:
M>A"-&-K>`C;)Y4.B]J+4`4+4A4>&]F3##NP,)TK`*]ZS_A0U0B1=:%H;_C\4
M&!@1U=R1Z0PN2%<@"M;]CTBXT+).^I^HVHY,J[;[W.Y4,HH1HLQ"ZW;'@(S/
MRQ,K//$?0S6[[A'O1T0]=F1(C\4[49"0O\NTMQV1Z4>(\@IM;!.&O?+\B"BZ
MC@R)KG7=V`N$(V+\"%%:H9T[1^*;7$O+I?>3O][/!%%?'1E*,U[;CUTH]!+N
M4($HIM#2W5%1I%!$+^UIDK1H1!1.1X:$T^8=*[@ILTEBQ^5<3(<U0K13Z(XS
M8FE,5$_'IM53`E3ZJ34G,UV-$3D5.L0)FBZ%7[Q')+5.'5=$:75L.KO&,7TM
M9;*L`'O(;Y&7V^`*Z`(7[MH;(QHK],AY@D746\>&MN52>&IT6UH!757=.F6(
M)`O=XP1ES?$BJK7C5FIMRU-OK3I8P*5.&>R,3\Y-A(BX"SUQ9B019=^QH4V\
M1T'4;(1R+=0X1C1CZ!9'L%+QMC)M0QU41"UY;$A+;M&S=DB5"5,^1;&ZQSA/
MEV(=+42*ALXY*[2(^O38])6@1S"6O\Z\K;P[^[)'6><*4;6A9YS@ZB9,N2`B
MO0GGT8I?SN?QQ@M^X>E3M*A#C*AYCPUIWL=ULM5`5K3#LH94UN/'4!ZQLDX<
M(II#1YTK<41%?6QZQS(-O9(J/Z,J=H<J1'2'SNB0*F4@N7;X)+ZGS#+CAQMA
M[MNU>*I6(8NO//[@)?[\[LFKW;(\)BKO8].I+5IVL^)(X2-=J%+K9)585-9B
M7IK&_L,F5:-:&HE2JU44LD2V\A0%"Q[;GSH1;1XZ[-R0FQ`%^HFAA!@TTO*3
MZ0JXJBZK*E\P49VI^DPU8)NN":+50]^<'5U$F7[22J9ON7OU2,2NL`',.CZ(
M(@^-[Q(^=<00]?>)Z9LQ#_=,SY^2E;9.!Z*D0T.?`QU$^7QB5#YO3,;!]9!U
M8!#!'-K^'(`AJN034RIY6U8.KFC8Y<X2^JL7.Q#$FR`:.73*.9!$E,8GK:3Q
MDR]E"IP^\)`O_;0\@"-`\>;JY*C$2<J7'@MYJN?=\4/YNDJ0FFP>$G_A>['/
MLR!?GB]5%I$)Z)Y5`KIHR>8\3KVLXG>Y309F5K4.)J*P0Q^?`YA$87W22EA?
M1XDO\\#='P)TJ^"1JZ=<=CH#<6""Z.K0,;9HNI:'PY6I^:*RM+#P[?+>^R&>
M<J[]8"-&@[V/<D1Q?=),7-].=;@/L#S+80U:K;I<2>U)DDVQ"ZVZMBZ[4&.C
M&-]2[X=UY!!A'3KIK)$CJNN3=BFB*5/N4;@A2SN]G2VYZDO&G6@LDZ[R]AP1
MKQ`U'CKOK%$D*O.3;I5Y"H[[QC_KH"$:/'3-.8,V)>KQTT[T^#_V<#=%M'KH
MMZXIO$O%<DA^OP,)`Z9$37YJ*"M)32\TV3V)`G^AGEK+4BI';`Z6.\D$IH@:
M#\WNTK/E!RX?\;-RXD?'DU_\,(K5!?#9%H#+<+'=RL=_;<3;V7X!+>%O'71$
M67]J,HU)A^8I:/X:<_$(43S@NBL$3Y'(`?3E'XID8@AB:C<$899DZ[@B<0OH
ML#\4KL0`R-1T=A@+R,K%I4PWSQY4RXRKXE+$#BO14:PK@-KM+9=^X(NEA_UQ
M&0FK0%?_H4`GQF>FIHXN=,]WXY!ASG_6',O:T^_RN"B6UNIK7;"//\3Z.HH7
M?NC%+UGZ8YD&<+61:1F>14/JEABU)K]2X9Y$_J@NJ_C2UUC\NOQU(!O[(BB7
MP:`H".1;16>M_[*0N!!DR]K#W6?Y2?LS`4V)`:&IH4Q`>WI2D'O-8_\Y8^DF
ME.<F<@SUZV8>7@HJRZ98T98CN8.F2#0(>J5KAL2/6.HM@<H9?$@D($9[IJV.
M4ASUO(9V9V<(5..62\(`$K.!IG8:#&),9FHHAU`K)EA5R"4XD"@*-+<%."XW
M8F$@%R1[LTM-B2&2J:FT037=0+`H2SB37&J*!#R@H2TPD2TH'WDX?_E\X/Z/
M&3&D,3,:TJCI"T*'5LRI"T!F2#@"VMRE9\%FH;`9,5`Q,Y[CIVU'7]5YJ!D2
MY(`N.T/LB*&*F:D,0$3:&IZ)<BK2.D/"#]`_9\@8,8@P:Q=$,'`N"@/-R9-1
M,R0D`,UO<U6]1\J9$=7[F='C"[N=V+^B=D*9F2&Z.32RFQN(ZA@A"M^S5L*W
MX:UI9[07;88(Q=`7YX4243F>&56.CR*H]6XS42_8+%2P(HJ5IKQ[L,K1P,4,
M$9VA0\^+1Z(*/7/IS$&+H<VE8P8S1+*&?CDOK(@:]JR9AKV-U?VAG3Q?M'(D
MP,[J%,L,$;VA?\X++Z(0/FLEA!L\MG*N(Q:BF4.?G!-2H_<T"5W5;XZ4&K'\
MY[U4%65(8%T[N;+7K%4"A'C`:I3VP+T+H_<T[5S5[^"A$.\3%L2WS@14NQ$C
MN\T$3=A6]8V*28U0V(K=NW-UBV8=#1#K4C78;;4OA#]Z3Y.E57USA-3T90>1
M:E.8W+%[FS[QF%U%JW7,GWB89#O+5,%JSY@;L7[->AI!UI7JQD?^#B6#&[VG
MB=FJOC-"Y<$\EVZJEIH1-<C.1`!O!!E-#5?U;4N833-;-CX]ZTZ>2\V^&G]G
MHIHWXH\FH:OZ3CS\HQ"Z^L`&I6_$$79WR:G+Y.J@H>G<JK[1E?EN/P[MCE.%
M["^HH'2-F-H"%A]_K,5:E.>YV.J@H*G4JK[AD01T98<+>3!T'4?/?B)&">LT
M0*49L;&S--!$956_!0W''#L^+QJ@2(S8V%4:>D0]N&?\6M7&1#QD[]CFH8=H
MOM#*SO)`E'M[1G.Z',)`+A_R`NQ-7N2M=2`0P1>:V0(0\FJ?<*[.H8MQ-#MG
M>Q->\R6/8[Z0>_*2A*>)O"$O.U^Y_V*N48\H"_=,R\)'=QC!;+NM_)2R/*1<
M-)?M6E0-LK+%ZIXXZU0B*C-TX&N@DBA%]UI)T909CHSG?34+,M&G39"E8E:'
M0TH^GTL6/6=81/1JZ+9.68SE#6G7//NO=(+*0ERSNWK4(PK2O0X$Z9H>[61)
M5N]*3.:;)!58QFR1%[0.":(W0[N[#`E14.Z9$Y0/L%&48&^*,F^SF<X1,A`E
M&!K;)AEYXI+DJ_>B[ED/%RJ<F&NEX>-GWWL0XW[J\UIXB&IPS_BEIY1.%Z`5
M5=@ZJZ,BKY&*O`95:>N\(2(Q],^9\T84DGOFA&0Z9C7C64E?WI2Z*C6+^W]V
MB#Y$BX;>LDE?:?HK;^VG7K`_$<BH1Y2G>\:O/FW<P_+\8I6S*BJ*,B][%I1#
MFC:8E?M=>97RRIO_:^/+2R_4`6Y1?N$GV2T8XH6_6@<0D;^A#\\)0*(BWC.7
M;Z0E=S4#6UF-Y?7<R56C&4^CR:Y\OFMT.0-4MQW7S9A]HI+>;Z:DDXX8'>A9
M@5$VY\75&[8AZ2.:.K3W.4!"E-?[YN3UAFS4#3$*F6\.(8.H[M#ZYX`,457O
M=W"/Z=F.*X@(#NUM'9)R_LX$X#I0B$)WOYG0??():*=WV[!DBV;KG"`"-33W
MN7!"%*O[YE*!M,!C[SQ4+7@OW>`'T:ZA&\Z%'Z*.W>\@3<BYCC.(D@W-;9.3
M;UP\-_IS,:Q?><E3'2%$L;K?3*P^Y4RTW2\T*/9FH0\T<5F!S44-Z^0@FC1T
M@_OD$&7G?F>R,PY,S:Q4%697+L""2,C0\AW#(K^9%URI])3JJ$"BI\NYCZZ\
M(+A=*PGT,ES\PXMCK_8.AU&?J"GWVVUY;KW)]=CNEH&RQ>*O[#OW'Y\$4^\\
M,0-ZCYPE:33_G47K2CC^GM>S3ARB&4,?G35Q1!&YW\&]GB>A[A][J;,.&B(G
M0]><,V@#HLX\,)<$F\J7U@3+VLB.&B8@<YILA]UJ`]T_'!GH!HA2#3W6)7^+
MC5A[O-PNKV1LF\=K+]Z??G\T(&K4`V,:=7U7*H*R,NKB(*V4,T?S!X@L#0W>
M)1_ES5#7_K._X,4-4=73\O[@Z8`H3P_,R]-->UA!E-5PXRI"S4(:,E9%:BHR
M1*%Z8"PYR-&DR"FHJ).G!;G05$AWPNT#1,F&_K`"TR?.BV/EGEH>?);/S[7+
M(***/3"_Y?I0SP!%8KT3R!+6(4'D:FCO<X"$*%4/6DG5K66`UH#(84:4+4<8
M55R]FE6X8"KIIW5^$!D;NN(<^"$*V0-C::Q/CHYU9A`!&YK?@57.'9]OXGU;
MIP=$#7O02L,^Y8JXZAJ*SR(OG,B)RB\O=V5)6<TZ1(BP#=UQ%A`1!>R!60'[
M.(#`"KDJ[\K,A>C4T!5G`1!1CQX8V]1\<G:L0X-HSM#\W4.39T(X\#0^).K)
M0_,90-#N`$IX]KYM&H:(`@QM["P-1/%W:$S\;09!D?W#'<5EB"B^T,K6>*CC
M@"CK#IO)NI0M/%O=<'8T0,1;:%OGO$]4:(?M;A4\;O6YXWFU?A2/)8[Y']%;
MH76=\S]17!UV):ZZ_NM'A%1H6^>\3U1-A\825>QW^D='G(ZHG]"D#CQ#EO&I
M.@Z(ZN?0?,Z)0SUS-*0[1,1.:.US0(2H=0Y;:9VGDJD`'CMK!T<@0<1,:.]S
M@(2H90Y;:9DGD*+JAX_]<7[KQ"#J)32^M>7&W5,4I_<\7GV(XCCZ+@Q6)UX.
MB>+ET+!X6=^A6D%"E66R,*M*6P<&42ZA[<\`F!%1Q!QU+&+N(4>]]2Z5H#PX
M`\H($36AS<\!%**^.6JE;]*4C1;#RP73L*F*.Q)5&R$2*'2$-7H^1^&C-/,U
M?ZB3Q4=$.71D++5Q;4_J49&E,E)D.>MP(`HI-+?3<!#5TE&':BE&2,7#0KQ:
MY5RT3@:BG4);.TT&44<==:RCGA4=B+8*[>TT'42===1N=VK;>WF:SRRYVI[M
M7W:4%D24A?;OGI9,0_B%KQYX7(<)488=&=Z$JG<!H)'?F/!;]K;U8/P($5ZA
M?:T-&@<RB(^(:NNHJYVE.]TI+_US)&'X"%%6H6V=I8`HIXZZV!I:0P!\&"E*
MN/*HBDBHT.#.HD'434?=Z*;-J;".`R*00B/;6C845OJ'GSY]\D,OG/M><!,F
MJ9]NU-'X&DS&1+5TW$HM/7($:=C%W;F%?1<EV8,7_IZXL_H<(_(I=,+98434
M4L>MM%3"<N15H81HJ=`19X<245\=&]976Q*T\_A3S6<94F5=IE>V3A8BQ$*_
MV"(K7QI\X75JRIBHPHZ[4&%W^[*=:-"I[2=C1'V%-G87!Z+T.C:6Y78_";O*
MR9N\R-L+)DI9AP(17:&ENX?B`_=B/WR\%A83`^H\'VZO>)SZ2U]\.D]NEP>>
MG<9$-79L>-=KFRZ6*QD_YO.4Z878[=*9IZLQ(LI"-YPG3431=MS5WMECL-KB
M*5H65T2R=RP#SCI7B,H+'6*/J\Q<VIUBGZ*8^X]U"=G&1-EWW)7L>ZA_NW/<
MNX>L@G5>$#T8&OU\>"$*Q.,N!.)C62DF+_U*O@N65W)$1!XC(C)TROGP1%25
MQX9592,H66<(49ZA(UQ9&]UYSWLV74Z(>O/$6,K:!GT"JF#^>G5=J!N+G@FB
M,4/#GPDP1&5YTI6RW(B<`ABO`,:5=?($T9*AZ5U!1EW4<N^7,FP=.T0I>6)8
M2F[6.3#JW+H0?)@@$C&T][D!0Q2.)ZV$XY,/-G7D?(G$?W^Z^ZEX.L]B6.J5
M4+Q5JLW%8FCAB"@T071GZ*)S8XRH1D]:J='$1[)F?&7W9CE##2),0Z,[],A5
M6+D.&*(:/3%_R5K##KHJ^DP0\1E:_8R((2K.DU:*\ZE5GT.TX,_J12U'=)\)
MHCM#MYP14D3A>6+L-C:C-%G'")&CH2ML8Y3<A!_DUJ@Z=H@B]*25"'VR":SH
M52TYY6K:#[,-8?D&L3=^.`\V"UFDRH?,UJ)_3U["%VP3+M3=UXD7<.8]QER9
M*7EK'39$JX:^<QTVHD(]Z52A/LC8M<;8AW+[8;;@=G/OV`11JZ%3NJ?HFY?R
MJRA4F4#W'K*:$B7JJ6&)&G8$;!B215A1QID35U-$EH;&=ID,HA8][4J+;HM(
MX@XCB`X-S6[MT,U^/(AR\[2;S!`U0)3IDETA`1&8H84[)B'T@F_\F8<;?L?C
M9W_.;[[=[6>"J"A/35YP5M^;+3I$,9:78WE!]D84?>L.*XA0#"W?)2O%C2A?
MH\"?O]SS'^D'\7F_UU%"U(2GYI-#U'2H`J4H8'T!.D7T7VA@AV$@ZKU38[N/
M&S-PP;(B[#=9B*E2]@<)1.6%MK;!Q;WXJ,L??MTC[90HYTZ-97W8[0`D@<FW
MV&_R3?L`()HLM*T-`)*KP$L2?^GSQ8>78E&^\8)?O%3*1R_78K%^KZ[-/C1V
M$&7:J3&9]OBNEE?./WM^H&[]_A3%[$Z*9]7%/RI_&<L;D?]V:N1!5%SHJ?,&
MCZCQ3LUKO'0"M<)L5:$6+=V\`F^*Z+G03U:PD[_6RW#Q\5\;8?#J5WS@1J(I
M4=N=MM)V:9`=Z"$R4[ISB]D4D7"A[<\(G!E1TIT9DW2/YT5&*8N\:EDM?3IT
MY]*K&:+Z0G]8@>D0-42Y=V9>[@5=0<:5:D+ZJW46$'476ME)%HC:[LR8MML`
M`:>&`T36A<:U@L!-F`_"OWCQ[SR52T`P'(<+>>+5\\/[V),1_LLDX6+P]I-Y
M$"6;^.`Z>4;4@V?F=QB;L8?3"YX9HA]#3[U>*(GR\\Q8@HRN6%3[*\KE5/49
MR,KJC2R1?Q#+/XEE'_6651_FE``Q0R1QZ/3N^!8#4A0+?WWC@;S)<_\==#.B
M'CXSO?\9[TUUY"OP8@F.Y(:OUD'TPCE[X"%?.K!9?H:(XM#@KI)!%,9G)O<Y
M[Z="O:N0R-^O$EXZL7]YAFCET-RN<D%4P6>&5/`CD;#.`B)?0Q-WR()VK-_S
MX[][P897$^\W.57']5?0S8A*]<S0%70->U72LI6H0%1@JH:V`KE@927K!"%*
M-/3#V1!$E*%GK63HMM-..XRRZRZ#JI)U5!#M&1K<"BIBY+Y+Q7+^*0H6/$ZR
M1P.<D?%[FN*LZG?!"-JG6CC4[)0\>3'/R_^9<57#,C6:N4IJ$!>X3PU-<5;U
M#<]->X'YO(.*7O+/^;.T=52@!HW8W7U4:(*TJM]B@&EW8]`K'&"@;(VXP`XU
M>R,7X_<TQ5G5-RN?P*X@XXEU`*!$C)C620!HZJZJ;WI2J?>[.Z$KS1`:`C95
MU,I*=:ZG2:>J?A>K4%>?1C0#:"ZW*8\>=CE-$U7UNQKNW74[5#\1PSKE=IKD
MJ>H;'N1=G-2ALHE8TIUG@4,S/4W:5/4[6^KMZU_M\^36DX$CSY-0VT0<<3X,
MT<1-5=^&!+$/G<L=*:*(ZA=UK",$-4_$#QTB%'FAL-EG[B52,>;^L]P+D=RL
MUIX?\\4!@GI$Z;/73OILJ4PTZUJY0R1_G06B7C8&Q54MV]ST$-436O]LN"&*
MGSW3VVU;LB.+*V)4!:;5N&`E5^X\W?80712ZY&Q@(LJC/4/[=5\Y0XA*"CW1
M+4-)8>ZDLMY5%":;%8^_\><HD!FYKX0=_?3*BQ=U/!%5U%Z[*^7:3VHMNUD>
M:1-_LRR+0S;'7;#'.$KL3VV(W`I]<)8D$>78GLG\OT225A"D?.44+9G'A-^3
M*/`7:G/3LQ?[:HMMF7Y:6,>!Y[D>HO)"GYTE>40UN&=\(^U_T]=#!&?HM[.D
MCRA,]PQEL2!`][E\*,PJ:^NS"_:SY.^"%<W(W7AY0^)%U123;5D'#I&ZH:OL
M`W<9!-%W+P1PE/T@"N"]9@+X+,,KY(]R&-DWN'W)BASDK.Q81948M\1WY?&S
M/&XRWQG9;*>)U2RE$6-3-#^6&*):WFNEEJ]Y[$>+C^%>9LI"[:GYX`7RGQ?L
M3K@OPV7PWCHJB#8.S7X&J!!%\5XK43RCX"[UXO0P+*H8`9?_TPLW7OS">M99
M041P:'?W6>D3Y>^^:?F[V23$D^2O8LFB9B&VC.3DDR3V)>\^(GE#BY\!)42Q
MN]^%V-V(%$1!*A8OUF%!)&UH^#.`A2AF]PV*V0V7M'L>E,K2UG%!U&MH>ONX
M?.'I-[Z.8O%T<;F2UTC684/4K/LV-&O0N3WC3,BMA^[[B$X-[7Y&S!#5Z;X-
M=?K<F$$49FCW,V*&J"OW;>G*;;C)+_41<Y<N+'ME3M(T8@E/4_%7]!#XCYZZ
MBZ6%\/SV@@5<$WZL0XH(T=#19P0I47[N=RP_U[*9K:4NL;44$Y5848MEU:QS
MA.C+T!<.<G1@@TF?J#?W6VVX-CGH87M.[`\_B,@,37Z&V!!%Y[ZI[!,D6NH>
M[9#QR*'=2GU$G8;^L<]8L='K2Q2N>;R,XI4?/HI_>/-YO/&"VV5QAT\=<T3U
MNF\Z;3*YX_I%Y_F;V0+-.F*(J`W=<?Z(#8BB]\!0@N63D;5WF"M:$P.>WI[Z
M9X&C>!(HVK0-Y0#1T*$#[4,)YAYU[64=@41!?6!+4,=[67"7W?29/X,Z]8`X
M0,1UZ(1SHXBHM`\Z5MKWP]/R43&[5M8Z5X@*#]UR;EP1I?B!$U)\_<CD@*HZ
M0)1X:';[W"B['8KX#8@R_,!4SHY&G6HR_F3X.!/[&R":/'3"N=!#%.0'M@1Y
M'*.MD<:9Y0^BCT.[=PE,^'C/XY5,8EZ'!5$"'[1+E]QV$JJ^?S5^A(_O1+$5
M6XA7K7L<4;*A2=WR.%&D'I@7J0]Y70N\J7_Z2;(1*]:'ET9A-9_;WR\]0*1L
MZ!BWN"&JU(-6*G7K70"0F3R#D%OC!2(O0\.ZY7>B4CPPE?QC[S!Q[8*S$:$7
M6M..L_==4#\>$I7;H3'E=K<#N.-=N8->,T1%`#1NEP0DB;RPU`\?>3@_E/9G
M2)1/AZ8R#^.]V#HKI;WO4'1QB.BCT,K6>/B8I/Y*+)T.<4$41(>M!-&C5I![
MNZ5?W9L547<XR;N9-EZ0O'4)&$3XA.9W'ABBTCELI70>/9#4<;([H%RPHJ1+
MI"!2)[2[-5*^"4_PV^57\:HO'LGDN[]X/_S59E7'#%'M'+92.^F#3'T'"XQ4
M"1GS7>=EU/&I"[;*BED'"%$[H1/."""BX#EL)7@>/>@<Y@8./R5)12WV69'T
MBR,D(3(H](93)/GA/I*(&NG0>/KDIAT\.!1EQ:P#A*BJT`EG!!!1<AV:2L3<
MEIL60Y$C)"$Z*_1&=R3]XOTSBN_%IR2WR_SR6G!E[0^_+J'WD"C!#@UM%&[8
MJ_+VT_D37VP"A<UE<5CFW3**WR6>>+6J)&<TT3)33<O2Y6V\\`K>W^0GV%^%
M(_HN])I3O%U'*\\/ZX@CBK]#0^)OXWX5S+4`*:MH'R5$/8;NZ!*EX@+LREC?
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M)HV06`#TD770;L5RV$NW_)")4QOQ6OZFF$[JH",&"$;M+D)LM_65UF.=PKFD
M<*U1&!5M,,^=D0T)&4#_G#MPQ#C"J-U>ZW8[*/]HP"$A!NB?<P>.&'<8F=[J
M_4>##HE&0!^=.W3$(,7(4)#B=*SM6=>5K6GKN@M6-<BJ%JW#B(0JH.\ZA?$F
MG$<K%7<\]+Q`#$N,3&<O03M3Y=E._+F*/BS\8)/RQ5^MLX#$&J"-W61A3(P<
MC`UM5M^+@!Q&LG=S295=IFGL/VS2(G'@5R_F3F5&&B.B/[2]]<D+>39O,7F-
MB5K_N)76?YHE>L,>@]72)INTV++4(MQ9*8T1W1[ZYMQA(^KU8T-Z_>DX:ZF`
M.;I2&B-R/O2==1AOPF>>;*]D#TV=1#E_;$G.W]/3.CF_K.*0G#]&Y'SHDG/D
MBBCGC[N5\QO@=&`PP^AR:>F&R/G01]9!0Q[%#X%&E/#'II.:M.]IW0"&*0O6
MN4)4>^B2<^2*J-2/#24&/QZG(W0KEP8P1*V'/K(.&C*1M'D<(*KUXU9J_6GB
MD0U[7/OLZ9<3IT//GHA*#WUS[K`15?JQR6PN?R38$!4>^N;<82/*]>,.Y/I3
M`J?'(9V$#I'[H8_.'+H),2XP,1<7.!%K+1]('577)DA<`?K.4NRICBUBF&#2
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MPN74J'!Y)N/^%)$0H6&M>#][&%/96<HM'=EK=4`0I<5I*VGQ>"#J.[;-2*02
MT\3\F8<;!TA!A$=H\3,AA2A(3HT*DF=/"B)90HN?"2E$*7-J.G5W*UJ<N`!U
MB@B9T,QG@@=1X)P:2LS=B@I]49J]4R1%J[92WC@1#)DB^B9TP9F@0Y0ZIZVD
M3JHVWGJ486$4OBNQRJ<FZ_P@*BCT@T5^ZE@ABI]3X^+G;D>TL0508'^!@DB=
MT,0.8D!4.J<=*9W8$A4;#NR#@*B>T,@.@D`4/:>&4EGO&P9VEAC678^(GM"L
M%EU_X%C/C*A]SDPGF:[MD--3PPQ10Z&I'<:"*(K.#"5X;D+#S@CAT)FM&:*2
M0DM;H>(#]V1&]6NN%NZ??>_!#]06Z4_9?M<Z3HA:Z<SX-LSF7<0&E'</627K
MY""J*;3]69%#U$YG'6FG+:C9A8;EE9A6ZX+E]2Z86M!:!PL16:%KS@HLHM0Z
M,[5KU#Q3UF%")%GH#ILQX$/+'J(..S.>/*&V1Z[M!IDA&BLTK\LL$(75F:D]
MI`<10':'N+0(1L13:&NW9IQK\1R1I/Z\#A6BKCKK4%<]V$>GE\&(X@J-?U[L
M$,7864=B;!MNFBU:BHJNK(01$1<ZY[S8(NJ[,_/ZKCFLK/.$*,/0(5WRE,K+
MT.;<?Y9'CWZ.:\];3=[31&%5W_!\!OM290F+%RP[#"%O#,R+"#`>92G+5&BF
M*:E`S.TF%31-6-5O,5.UW1?9F@CK*$`U&+&QFRC09%]5W^"B93\**_=(@.HN
M8F(W2:#)N*J^F25&/03JO0OV.?+"+'5'E7BYJG'!?G9BOH#Z+&+S3E>E"Y[X
MCZ%,F;+OI.7D/4V'5?4-+3YW>Z"!(=:4Q7O,2\KSMS=ADL8;==[2D8.6FGTT
M,BR*K;?+9<)3E:XI$7\D]_)75,<&36=5]4VP@?:AW(]8OLFR=]EOZGW[)$"I
M%;%PAR3,YYNU&%!?OO`:<77RGB:NJOI&`-"^>NGWXK4+)EZU[FPHGR+6=,O9
M-'E4U3?Z.+G7ZVJ%P/^U\=<K^^E;-%MH[K>H@-ZN>7CO_?A/[M6N`V@"IZIO
MUOM5%TKGBY=8ZOU@+^+%1.817'G_C&+UTC\WL9\L_+G,%&B=!JA9(O9VB@::
M)*GJ&QGX:R`0K['_+"#X14$@7_H_78(`"HV(F3N$('[T0O_?*I7FE;RZ/O`7
MZA^7X>*K<*[XSNJ?M\O\N<L+[L0KJC/)M9_,@RC9Q/R>_T@_B*_Y>PU)/:)(
MV3-T:O_4W2]QU-IE6PTST3+3FV:W2U8VSJK66=6\6+N*#V#J$ZPO8'N(*`K=
M^_H()@JJO5:"ZC$SHR&4Y6V/B<R-JC=B'4)$CH4>ZA!">?SM*EJM8_[$P\1_
MYE5:N:_R!>4&5>IKE*0Q3_U8]23/:_M5N%<\P/ZH@X\HX?8,W;1VJFYOGR+<
M:G`[3^,%RYM5"_VL^';+K,@4K-J^D`L`Z[`BBC'TZ.N!E:@R]UJIS"%_].39
MU7U#95'&&+<ZE%E>AO4VE`\YE(^>+Z%,'8`2T:JAYUX/E$2!NV<ZI\.ID92)
M!S=AS+W`_S=?L/49$HIHYM"-;A`JK'V[W$,?44+OF9+0&W2IQ=PLF1,+11>F
M7$1EATXX#W:(ZGNOE?K>,GS?'J#Y%D!O`I5]VXFTZYJE-&ALJO4$:(@J?L^X
MBD\$QQ%B$($?FMX-8O)C1U>;..;A_.4^%NN%(!,(%O_<9/F)]P!%#`ST6@4&
M3C.#->QQBPDN;Y$533*M358UZL93)Q)N@%Y\%6P2PQ0]T^F`3PAI0>"\(##5
M"/3*&HZLX)%@!W26&PA>/GM^('>("`O?>0&_X\+$:I=Z/7A]8E2C;RJJ<6P_
M6PR%93OOEE'\+A$ML:HI)P;`/A*H@!X[8_J($8F^\8@$%<,=#2,IRV0J1?;T
MP"6-#@QV?20D`5UTQK@18Q!]DYF6R:AI=W14F%E'"@D<0#=TC%2VG?*3Y\=_
ME[<F5I'#.FZ(X8!^JW#`L<-4;:^VI\1E&:CW5`7KA"`J/C2XZX00M?F^H<WG
M;<#(BHDG1'F=J"JI[=^P3@FBI$.C6Z&D#@FB8-YO)9@?,]ED7W\;`D?&!$3[
MAO9TRMM$B;MO7.*N]S9[XX?S8+,0BU)YW#GVY_(TBKI&7=XG7&[$$2\^>[&O
M+A(L$WZ(SJN%QEOKS"#2-_2*4\P0%>Y^)PKWJ^<&$<"A9YSBABAD]TT*V1@N
MEVY,*HB:#$WIQM-M$3_ZRF,_6HC78^XE_)IG_]V?26K2)XK)?9MB<K.>E^>K
MU=7VB1A6&";XN1%BZR,:,O31*P!O0!23!ZW$Y!/J*^V@JP_F[HAZ?W4G#9IF
MVPI"Z*_7`"%14QX82B5]:OX:;F-R"4%$7H;>ZAC!/*UWOB\Q3U_8_$S%@"@I
M#TPGI&[5R8*P:YYZ?J".3%SQ6/RMGP`2RWGMB(\HDK/WV0_MZ\T#1&^&/CHS
MQHCR\\!0SI.CT,H&KQR9Z@1$D3?4T1-C`T2DAF[I&*NF5\Y.!D1U>M!*G3YF
M759_[ZQZ^X*%]C,A#!`)&EK660:(<O2@G1Q]A$!YZ.[AJ"2AN(;8.A&(3`WM
M["P11,EZT$JR/G;I<H94($(TM+6S5!!%Z4$K4;KE8N/`-,'<NZ=>LX=&@VUY
MN3D-1*EYT$IJ)M[VV0@11VZPURRC<6%;C=82&]<!0=26!ZVTY6.6$5H?MF8*
MZPY'5&!H3><</B1JND/3N9GKG)[]W(/J#=L`#!$%%EK7/0"(>NK0I)Y:Z_?/
M#OD=D3VA4:T$F/<F5!T2I<VAR8P=^O?'@LW.I$T=(H(DM*P507*_]XFBX]"\
MZ(AYO[B#TQ7O([HAM&S'WL_7Q?O=3Y0,AR8WM&YU8-O_Y?U3K@"`B(;0MO8F
M_?T0$#7#H<F<#Z`3M0L`=V!`]$)HXXYAJ%+0UZX`B4+AL!.A4.O'-@E;E[*(
M_U&[%7G\[,#*$%$*H;'=XX$H$0Y-2H2U&'QSY_Z-(:()0J.ZYW>B&#AL=W7<
M$6'$9F.``['$(:+^0?,ZMALKBM69_C2-_8=-*HUY'WWU8M&?`UNRAD31<.C$
MAM3#W6^<)NBOUOE#Q$CH)?O\7?-8_&REU)_\Q\8+_.6+NBM#7I.BSK[N<4H-
MBR.BGCGJ..$!P0(M]@MJG\*JCRENI,FS(5RP_,.8_FDLC5CV>;:A'B$"*W3W
MJX2:J-&.;.51.`'=.QD6%AK)[B2"'"$:,'2:?32Q5#[>/$_!C2;V:3`]UD%+
MU)='-K(Q&#%0^\Q(8;:_VP6R$7T;>O8/1C91.Q]UDB^B:[KE0*T#+?CURY0E
MZ@C7,N<_6O-8E;'^I#Y"]'OHW3\8W<30P,AD:*!KJ(_.N)A]`[4#OBX#8W6(
MQ_F5-Q+E@)C\P7XFQ.#)R/B&:W=^*R?ZD3BQSVN$!'D@"W^PWP(Q@C1J%4%:
MJU.4'\/%OM]#6<CN;^)R/M^L-H$Z57?*[+WZST)T4HHY'SQAA+GU#=$C).@%
M^?B#_3Z($;51JXA:AOY=ZL7IX5^(*O;Z?R,?^*,?AB[]3)`8(<3$_L_DFB_]
MD"_T*UQ.\HL@QAI'S6*-,^T&)KYWOOB2%6F@:-+L<:++;QP2B)!0)_3NZP69
M&/L<V8I]G@KD=A>+6:<5"8Q"%[Y:6L?$Z.BX\^CH:2!ML*QH>VOC>2HY8R2&
M"J%XO?P3`ZGC9H'4[66'^+H-5AZBU'^/V3BS2'`5.M(^LV46]V44)UM9W$^"
M+C&<.K813CV120[?ME"D9'-O?3Q&`JC0EZ^>7F+(=&PK9'IB@K5+'.Z<N<1A
MC$1!H<->/:+$N.>XX[CGB<ELL$3>>Z'2N2Z(D=`F),$^^WMWTA&@)T8QQQU?
M^TLUPTGWS)X1Y4C0$KK^]5).C$^.V]W><)JU\ZE0K]U`Z^!:&8D=0M^]7DR)
M8<*QK2N13X5JENY=;A4,:Z'=?M*S3BP2QH-N[([8K]Z+VF[Y*8J_\;4@Y<E+
M^.U2^&P5A7=I?1+:,3$@-S9TZ<3A#I6B5EY2;C-E55F5Y%B59JJX=6*0>!DT
M_CD00XQ\C4U'OIJCLTW+Y4J,-G,OE,DF8GF>?)[ADSR)P<K^B(-$L*`KSH"?
M"3$6-6D6BSI^"\#KY&>"1("@*\Z!'V(L9]+J4%S+17US=JZB)&4/7N(GV:U:
M&2JR!(O+F@OKU"`Q&.@`*]1\C:,YYXODD_C"GR,9$@L7G^6]&G5Y#B;$2,JD
M623E)`-/?>?TQSMY49NZ2D0>0&=77KQ@64H<%L@Z?XG=R8TQ0<(AT"%G`A(Q
MJ#%I%=0X?@1J#=$BOYE&TC07-*U<A0D)7$"GG`E,Q/##I%7X@;:<?KU`(=$`
MZ)@S`8HH[4\,2?NM.-IZJ']3E&?2:V^9JJ(VL625K-.#J.S0"V="#U$RGYB\
M\-@<0HX<,IL@0CCTB'62/FP2>2F8L)NP^DV>EO\FO%PN_<`72]I:N(A"]Z29
MT'WR%?C!_E9'6OZU\>4=!I&8WQ9^DEUH$&G1%G6-LB>+Q0X\W2$J-O31^>)&
MU+8GK;3MTRVMCL/MVGW<$`D<^NA\<2,*XY-6PCAYX=68LKT3:=6*FDV+=N2"
MOVK).GB(=@Z]=;;@38F*^K3=_<PG6;-U2)\C:[LI(L!#SW4/X7UTF<T/U1[5
M6M"(TOOTF&,4QZS?L#Z50&DA&RU1D74\$*4=VMMM/(@"^]3TI<GGC`>BGT-[
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M.LD`4=>=':/KWA^:<[YHY<Z0!D3/A79VD@:BC#LSF7'F?/R/"+;0LD[ZGZC3
MSMIM;SYNZ>F^_Q%)%EK62?\3E=B9H80H>UQ?/EY$2U:^:9T`1&J%MNV0@"CP
MYR_W_$?Z07S*[P<N=YP1==69J6W$>"]*$M3;[(TLP%2)M^RWHI#UFZ)GB%(*
M#=TA$MJ.C&]\7?[`[IZB.+WG\>J:/]0"0A1)9Z:OCV[4N:V#"\5Q!76<*I'%
MWHG5QXH]1'$<?1</G/;'%$0TA8XX$X"(>NG,E%[:AINM#4GL355>3$5OV5W%
MD*QDG1Y$)85>L$//39)L9(+^V^7G*'P\A`Y1'9V9O++Z<*_*K(#YNW+9LG"!
M#T3LA*8^!SZ(VN?,U%;<H]`(Q/O9(.($)(C4">WM/B33]S3E4]4W]YS;F)3M
M&4CGYG/)C2SO1D!%LUJ)#^*)<\"')IJJ^F:%\Q8(\96_665QEBA4PPSC/^8J
M+9=U8*"0BMC^'("AZ:JJ?F</3&<Z.VE&TFBQ*;MJ-OW%2_.DN>('5SPG7(:+
M*R\(Q/-%F6;W4Q3?;27VK0.*)M2J^IT!=73G"^;R!E[4-H&8+_AJC=PW;)T_
M*/LB?GHE_-&$8E7?]"K[CX(=U)H1]]B>)`\F]YJ^IZG.JG['#_9(;B]]>MR?
M%:ZZBL4Z05":1KQQ!@319&E5W\(JBT21=7:@*HWXX0S8H2G2JGYWLA&6"[=6
M"W`H%:YF)@T71V1HN0@X9BE$$Z15_<Y&G4-]+&B2K[JVSH$*-6+[\T*'IE6K
M^J8'G:;$;(\_!3][[X^Q3A24LQ&7V"2JY=&!:8^H:_=:Z=HG&8L.GA\H4,*/
MP]EFJ(=HVM`+9\404=SNM4JR3!F4&IQ^P\8DIX\S:>;3@+*K>>-&_L)K"2*J
MW3VCNXCW]&?_J<D+%LC'+V\^WZPV@8RWL`47H]+<]Z0L9!T<1/Z&GG`;'**J
MW>M`U38#CRKLK>1].?]V@R9$S(;N<9LFHD;=,Z=1-X!H:X[:/1\I2EH'!)&=
MH<4[!>39EU=<BR<4=6G59W5I5!T;1+&YUTIL/FZDP;JS=9FA=000W1@:UED$
MB&IQSVBZXW-P/R+]0J,ZZWZBX-LS)_CN\WSYMDJ*F-UIFI6PC@,B[4(CV\%!
MYOQ6V;[%=-L`#:*BVS.\Q?A0M[:/TJ^+"M8!001<:.JS`(2HV_9:Z;:$J:,=
M(%FBU<"-T0319J'9SP&6/E&3[7>@R38%YJN+J/01"18:_2Q0(4JO?7/2:VM"
M%""R\$5VST8FL[JT8.DC2BOT@#UNBFM-]B-#U%K['>PLWM.K\DK$W0OLK,.!
MJ*G0UJ[#0=13^T;3.30"P[$U;!^11:&57<>"*(SVS0FC#8B`,TQUF9,K,PNB
MC4*CNTX)42+M&]Z/>\RLPMYI3SO6*4'D4VATI]:M^Q.'3/M$2;7?P0;<IEUT
M^Y$'D5ZA\<\*':(<V^]`CFU+#/M43%#9Y'2Y\P#$BIK6<4*D6^@0.SA=1YN'
M=+D)+N?S:%-[A\"T3]1L^QWLPJWM4SE?/7GQ(U?7Y5I'`A%KH8W=1H*HTO;-
M[:X]2,+V&%*48D4QZW0@ZBPTM]-T#(BR[,!P"HB#B#CV9#Q`5%AH8[>1(,JO
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M?GI%92Y1M_!42/J.(8FHY-"#[B.Y_Z&$*)P/#`GGM,Z>:G!TY6D'$=BAX]PG
M\?*'7RN>$`7X02L!WCR'LJNGHE"V99]!1-&'3G.?P7NY:*^#D"CY#PQ)_J2^
MGHI"U9A]#)'0`72;/0PO%__<9!EOFCKILQ_RFY2OZD;&(3'2,&P5:3@>2D+/
M:Q&MVFQ+JVR;J<:M(SM$0AO0J6<R<I;7Y]312@R"#`WM03]-IT\ZEKJD00Z1
ML`ITY6MAE!B(&9K>]-X-K(<>Q]](C?)M_E1N'5`DX`/]V"6@U?4^#3*X#XG!
MFV&SX,WQ*?_K^E/M*!$<^&NY9:"\IBAT+(/[$`FD0,.[RP@Q*#(T'Q1IR8@C
MMQ-IEM'`L!KF:`<&,8`Q-!;`V,_#UI5F.W?*6$<"B3=`.[N+!#&2,#29?83"
MA2-W#0T1[1_:O%,\A"^?Y.;QQYBK[W@E0\P\7GMQ^O+%.R#S#XDR_]"8S-^P
M7^4>->U=)M]V1J0?(B(]-'N7R"1I[,_%(N_*2Y[4Q17)DTP"]NP%O'X7XY`H
MQ`]-9B\YU"=MJT5>CLU%">MH(-HYM+/[:!#E\6$K>?RH!>IYXH%HVM#6SN,Q
M(@K5(V-"=6LJ9`FUXU#]H96UC<H(T9*AW;M$)15S+U]\].)0WG*MB537?.G/
M_;H%[(BH$X]:Z<1'C26'>E9QDY5D/"]J'1)$S(7V/@=(B$+MJ%TFZ+9/.:T!
M*8JR-WJ@("_]UI%'GQ&BM$)'G`,]1,UUU&K#_)K'?K2X2\6#R3Z&M&(F2?K`
M'_U0EF`?O$#N3K9.%:+-0@>=`U5$E7;42J7-</D8[M7RRT(FB1+-NX03HNA"
MSYP#3D1M=V1,VSTQ0=:)001?:/PNB7GFX>9@8HL14>@=F=\ROMV/"HOL=>M^
M1Y1<:%3W_$X4;$?&!-O][F:_%>]8%V1'B"`+S=J=Y^_F3WRQV7\=VK[=J2.B
M,CLRM$6Z<;_**[GR"@=O>'-ET^D(T6^A-VR0A.VJC)*DT3:H$5'.'1G:[=RR
M=X"JVR6^ZTY69=G.N]\<VGHW0M1?Z)IS@VM,%(/'IM-6'TF9+!R%1>P:/;^6
M[9N[8"%7&V!2[X=MQ,:(:@P=9`.QF]7:\V.^^.2'XK%2/#UHR2CV3(5CHGH\
M-K3+N'G'L%&KJ,/*2EJ*`U?FPC$B+D-W6!FNA.G\-,N-)Q8@B.63JTT<BTXT
M&\&(XO/84+H6>H?1&5.U5606E%G#,`@3EC?HX!;V,:);0Q^^!C")NO;8]#6'
MIR/TZDE\EJ#.#UGZQ!F>H$K\J1)K.)178XRHW=!M-EC\)&:8OWO!AE\*.Z6)
M3'SL>P]^H)ZW?N%>LA$NNPV_R6>P6'CJ@Y?X#5=\1&%\;'K[\DF-4!`JFV+/
MLBWFJ<;4MH&@:HZM\O;D?OFX:)$]R":M8XJHZ-"-KPQ3HN`^-B2X&Z%35UH4
MJ:K="W99H:JUS7[14"V;9ZI]%R=\1-&'WK5"+[+HCZ.-^,]"[G%6&XTV\W0C
MS;M7\AL3U?]Q*_7_*%A;=Q5E$UEKRL1O64-J8SC;;LJ9QR$DO`"]9D5D#E-_
MX0>;U'_6A-B//^;!9B&>2T4OI):Q2;,3ALLB>O>5QW=/7KS_\9L8G!@;"DZ<
MMO.H7*VUJPO51<M,TL&TMF6E,C`JFF>J?6?H14(DT+DVZ-WUB)R$YF(JO);&
MYXMF4STQ8#(V'C!IU4N,1XC6A9JOYVINSYMQ<>Y&(BK076<+'C&R,C:]49Y(
MX,[X]E`"M\B!^_CUSCIA2%@%^L7JL\W?^.)1V/XFE`L;=1[N3AB5YR?G\C61
M%PC7+*-X);=="<=4+T>)+SWP.<J.]3<B<T(,RTP,[='OV#H%R%)QGZ=*_Y0;
M_3\%T7<F/U=>KB)PO@F?>9Y^)G_U5CX8)1OA;UGI=LUCU7KB5$1Q@H1[H./_
M<.@38T83TR<.[/X&9#13_@:6\C?PE-$NAW2_^@WDKRH=*_L-B$I1^1NPCCT2
MF8).MX']KV',O<#_-U](*?PVK,:59IK5A!B*FA@/137N84%=N>]'Q9KN=O;]
M7$7B.2O<1)N$52UG&S@*J#4]RZW!%PE#0?^=)87$N-.DN[C3\3ABV]`NFO!X
MH0%IG4$D_`2]Y];.Q\\'TB!.B.&EB:%;9UOU[8@=D)_=260X0<)%T"UN8?6-
MRX[Y@=]BH4B,$$V,1XB.ZRZV[6/_-/SA);_UQZ7Y%8GZ0(^=/X3$R,_$]+F/
MD].H#X5J*\<NC0\9C=8!1"(^T%M6I,M_;?STY1>>/D6+:L4#7^5<)L[9DXQ]
M0HSO3(S'=]IW%57/57F65=#4G@OT'<XO\HQ#3B1DGR"Q&^@X&QS^O/%B+Q3V
MNGT(_,=,'#@XWA%C-1/3%_`V[%ZIJH1*D5%/JC'/CD*F$7LLZMI72Y`(#'3"
MV>!#C+A,C)]E:42-/CCE%<1$J-5P,)0W00(MT!W.@+1G6\.4&!R9&@^.U/:H
M+4#6J9DB,0IH?QO4W/%'^0V_\744ITI\+T?R#R_YFX>&HRDQUC#M+M;0JKL%
M9GG@*WQD25:"^54UZV@A<0#HD+-%BQ@+F!J/!1Q%E#YPY658V0+3FKB0SX%%
M"9>$B2DB_$-GV<#N4`*\@\@1A?^IH9N'C^@AIH'MYOV[1/+^N44:(N]#'YTE
M:421?]K=&9+6R.TD'65//%C(L2R--XG]Q))31-N'WG!VTMRWJB?*^5/C<G[C
M'E(G2S=6_HB`#WUD@[1K'HM?;ZJR`)0;;F["<LN-ON,FC_J6.W4.CFQ$/7_:
MG9Y_$C-@J"[*AL7C0MFR/-R9%&W+8LNB=;8N8^O+\IB==7P1^1\Z]]7A2XP(
M3(U'!(Q16S7,;K:IO=.I+5M'=X2XM7Y$(@?0P59"J/.YO-\A^1*E//D<>6%2
M[6=LFAMD2HPD3,VGR6K32S1.FC=PP503%TPUHK9KNIPZ9(J$'*"WG.;NT#!)
M#$-,NSOXT;K+Y>$/-`E#4BJ!"YD/U'H6ZRD2E8#>.6?69L1HQ<QXM.)HQ&AC
MG3L3[0P)<D"WV8#P[U[L2W/=R,N4>))^#-.#^2=GQ*#&S'C2K;V]*N`J"K&B
MU(7,*Q._2(XN5Y(U=2N9EA;!D>ESAL0UH$\ZI*G<FE7MG,GFA3J`B*&+F:G0
M16U'R@&IVH6FG0G[+2MD'PPD\@!M[3(8Q`##S/C)@H.$:%CHN[==(02)&$"C
MVR#D:W[]W^+7<,'C\A+`Y#[ZQA,>!'7$$`,%,^.!@L8]1,:8XD[$!=O(.O*X
MG=P+ZY5UK?.$1`N@2\Z))V*08&8J2$#!J*S"5!U656+W$<NJ62<)B09`9W1)
M4FTLYO.!$THSHL0_,Y6LJ4&7*GKV1).<.HPT0W1XZ('.P=E["^^,J*+/3*GH
M^G??02%QYH+=&2);0XO:&RH.W.@Q(^K2,U.Z=$TWZH<$=Z[XF"&*,K2SNT@0
MY>*9<;GX`!O9&TI-J;:$5@.'.YP@:C`TOCU.KOUD'D0R]^8!U7?VGJ;ZJOJ=
M(H-TK1$]EI'1#%4B@QC_+)"AZ;:J?A<3SQY2X!Q4%79)\==LI5%C5:.ML_'M
M4JGC+TGU*RQ^>OMGK=E[FHRKZG?+4X.^UI)VH:,FSXRJEOZ<,&WT<F_&TXRL
M@6A5$S8`(DTV5O4MS84MB#R3-99F38TXJQJS,M'//'J,O?63/_>"?0_GL_<T
M25G5-SBLP7[L#%D73"_BRE.[9A8-"YM2<9[EE"]D%E,>)DK:JF.")@NK^F9'
M&+0W)1FI6!.]>U`2\%Q[WSH34/1%3.TJ$S295]4W,D[L1T&^FZ-PY1(*4,9%
M+-PE"F*RO>?QZD,4Q]%WF1JYC@.:F*OJF^$`]*""0+S%Y'NL>M,Z`5#616SK
M)`$T15?5;TY`RN/]<X,JT`2#VTV:I%ZXR"YW"63:6.L00"$7,:^3$-`T7%6_
M!011Z@5[(9`%&H\%[U(Y%CRX,Q9`G18QL(L8](BZ;,^X+GMF*/00_14:V0(*
M\C*B?;O99CVBWMHSI;?"'B`$J+N6'-FWIIE"@\"FG.H_AOY2/%^':78UY4TH
M\P'/(_'RO^5M&3\^\)`O_32Y2;YQ+XE"[R%X^1HEB?\0\&QW<9:=>![%"[[(
M2]>!1!1:>ZV$UF/&%#/F**C4VY+7:+.'O#7FB?^7)Z&7FNPZ2H6]Y-D[:0]Y
M.Y/,="3?B/TH9B_<BY,_.W`1M^81C6>;JFRW/!/UVIZI/")F,=::9UG[\O#H
M%MSB(UCQ&<R7L87B4UCQ,1?:X83JHXI:UL%&Q%_H[@[!+H[F?MZ_:6_6(ZJ^
M/5.J+^A`)>H5IXX=VHZGV4$#P*;,6UA)%\7K4][.>D2EMV=J`W!=/P`.N_J_
M"TEJ-;-H6-A4>JMT`#)?C[SPZ5"4L4?4>WNF]-X]7:DN:@O%>LA?J/2SU=5!
M<@XI+[QR*8;80]1@:'\+N&3YH*5P'H4J2+MG)"'JPCU3NO"^OB"C29X"NRKG
MRI""Z,70YE:&E)MP'JWD%5S2:#%_XF&B\I&H5P^,,D0MN6=J=W"[WC49>/3:
M+*ONTA"$*-'0.5;P`@EL#C%%E*9[II)B-^@27.VB.79<`@?1KJ$'+(#S89.(
MYX0D*3<8U<]=?:**W3>54V)?7^"!%2?FJ3XB8$/[=LE#-/_]=BU_-7OEZSY1
MONZ;DJ]WOW_A]WRADKWEC'3=1Z1K:%H'W4\4G?O&1><Z#M0;+%KG>>Y=X0"1
M?*&-.^;@*0H6/$ZR7\Z!542?J-KVC>^RK>W1UN:GO,2?\P<;ZUP@BBDTM<M<
M$)73OC'E]"`.6HD"!W:9IK'_L,DV6J<1^RJ0D1JK,^O+/J*P0A_8!*8.%**T
MVF\EK:YY[$>+C^%BWQ!2%MI#3;F\<&JC5!\15*&!7:2`**/V6\FHF8/%8T.<
M'N9`%6M`P@?^Z(>A2S`@<BFTLXLP$#72?BN-M.W.R5H`[N7F.I9LK2:X&ZL)
M1!2%1G:1!*+NV6^WA[;E]LES)`'1+Z&1722!J%;VC2=#J*7ASD4.$#D2FMA!
M#@9$#7)@3(.L=7_SYPG;5`P041(:O#LJ[OT5O^;JGH>D]U[^WVW\2Q3SZVC%
MD]2?US%"U"@'IN_7.]2O<HOC3W<_66<"42JA@=UG@BA<#@RE)6B*@BS'BH(7
M['\592]$81;%3!:_8$4%Z[P@BB8TOA5>?O'2//GA?W(O_N0_U^2RG@V(HN;`
MM*BYMU,%,L(@4^LT(#HFM*[C-!"ES($A*;,1!/JXP:IB%TP69+*D=400Y1*:
MW,X$4T<$4;,<M-(L6PH4^O??>B"U[FA$G(26=,O11%ERT$J6;*D_N.MH1'B$
MEG3+T43)<=!*<B0^,I3;Z'B<JJ,C*4^R&_34^];=CZB-T+YNN9^H,PX,[:]$
M?^+ZDX!U7R-Z(C2F_:?#`]'J`5%='!C:"WFH.R@3+"O);K-'0X>"U`-$=82F
MMT/+AY=\=7QH9\.0J$`.39_EW]\K')D/+\7#@75I>HB(D-#FKD-"E""'AK9)
M'L&&NB6Z*.G08#)$A$EH=@>DA7OQ*77:PI`H2PY-[Z?<WRM-:AI;YP$1'J%Y
M7>>!J#P.#1V";X;!?K%)%;5."2)(0J/;7[#6\4'4(H>MM$B"(*'WQ2EQ8HC(
MC="J[@)`E!Z'IG..G@<$B!0)+>LN!$19<FCHT/E!W^\/8EJG`M$MH:DMKR`N
MERF/#T2LAD0U<]BAFEG3LP(9]2(;95F:K`."*)O0UN<`"%'O')K<5WFN<"!2
M*+3S.<!!%$.'YL70`US4/H=X"AAG0M]#1`^%UK>_#/DD_K__6)?R?$041$==
M"J)(MPIJOD3BOP[LN!LA`BBTL?-4$!7042L%]$1/JJX2@4B=T+[.$T'4.D<=
M;\'<@>'@#LR\O'58$!T4FMX%'?1[5$<*404=6=M_*?JD:>(CZRP@:B<TKMLL
M$!7/4=>[+S4$#NCAWR/K?"!B*#2X`WS<AG5/*R.B(#KJ4!`%?=+&BJ%U%A!-
M%!K7;1:(NNC(O"Y:B\#^L4(4M,X'HHY"@SO`QR?AX#I`B,+HR(HP6G1*&RTF
MUFE`I%!H7<=I(*J@(_.[/NLA.'"P0Y2TC@@BB$*3=XA([(7)DL?)9;BXX_&S
M/_?#1RW)Y&62\#3Y&@7^_.70K=DCHD8Z,GT<_:C.EKJZ?)/=\;F"ZM_J*D#K
M^OH($4NA&\X3IS%10AT;.M5.HJBLS+QPP<KJVZE:LQ8N6-:&4[>UCQ$=%CJJ
M2^"BS4/`%_(.IF\\2>/-7([ZX6-R&^8&#1^_\3GWGV5:@>1>_N]!\H@R[=C4
M1E529RL$LU:R>ZNVVV%1R,J6F-:4@%"E97`)140`AIX[=Q2)^O#8^%[8TS*Y
MD$S&6^U8YPS1CJ%;.N1,1FV^<6&=\.Z[M]Z;FG9,%(W'IK;.8GW8SA25O<OD
MV\YDIATCTC$T<7<H_'KW<R1^D*'\<I>/7/S6>")_B,4JE2?[Z2#*R&-#,G+3
M;NDI85A5A7FRS@N+'@+_T7,KM_$8$9>A&[HD2"6*EVM9N=I,Y45(=YN'A?_L
M)])P^_DARLQC0S=`->O4%CU9!;4H+ZLPO4ZV6JH(=(<H1**&CNF2J/N8>\DF
M?FDZ"A$%ZK$A@;J^(W7C3IJ7=W/D0:1J:/KN./F[%VR4B2Z#(/HN<\/*WZM8
M0HIG8IZ(%:.TJS!Y'35$U7IL6K5NVK]27RJ*L644LRLO7K",G*W',#E`%6U<
ML*H5*2!\\+)G.OLK9D0'A_XZ']2(DOC8D"3>EK"R/*LJU`)EG2%$*(>.Z)*A
MV)<_P9LPY?+Y]&.8JAGAP\M5X"5)EG)$V/9VJ=YYV7-ET)BHDX\-[24^IHL5
M6UE=5E1F16UY4GJ[OARKLA8<N7=HC*CHT$F667OY&OLK+W[)KB^>^^+/O<NJ
M"5$^GQB2S]MU;B]?/%['?L*=66)-$'$<NJ$[CO[!_<>GE"\NQ9`NGHF_;*25
M;I<J]W)RNTF3U%,W-7SPDMH<H1.B%CXQN66Y50?+.PGD/ZRC@HC7T-1GA@I1
MJYZ8UJK/&!=$@X;F/C-<B-KTQ)`V?10E1266UV)9-;G4R2HRK>8%<P,J1,V&
M3CDSJ(B2]J1=+HAV64B/'W_^RHJZ[[P<L'FT6HFU="(SZ5LG"5&UH2>LDW3M
M!QOQ*K!W'4M$>7O2+J/M298^=5TL:,K?MPX,(EI#<Y\=,$0E>])*R3[=`NA<
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M?G=*E/VF)][`6O/M=[RNWF/%F]9]C6A[T*YF??UU\Q#X\T]!Y-7=8#$E:G73
M$VMUZ'??\7/V#E-O6?<R(K-!FYKU\C?^Z,O;.L+TB[>J?4(CRFQ3`S(;]O5W
M?%V]R>2[UMV-Z&S0LH8G<O%%8B^X"1?\Q__%:X=PHMXV-:"WH=]_=^K.WF7J
M;2;>M^YR1(&#QC7L<A495U?,-PW"S(A:W,R`%G>X,[LP9#L"5-D+)-IBFXT9
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MH`-.2H'*$G00`J(:-SNQ&M>L,P=&@:RP4X,`(MI!TUMP/U&CF[72Z$XW!K3!
M(2MK?P1`A#QH_J,1*%8]E^$B6];>A,LH7F5GVP]`0!3N9B<6[IIV!RSXY#G\
M?$VO%7=I&$"4/6A]"PS(ZTE($&0-F!X*3DE%4=[VP*!;KJ0"\\?16*A4J#M)
M=QLM$<6WH$EX60.G'AL:]&=OPF$7'Q-T2^D4'*7PG9P"FIJ7-6!Z;*!2X<`X
M`#4^S/9'$Y`GC'SFX88G7WAZNRSS1_Q8\S"I$7[$=Z`)>UD#IQX%#O9F-Q5F
M5I*)HNQVJ>7`R$K;]S[4_S#+6_`^3??+&FCN_89G.(]`("X0"`4"T9+Y!0+<
M%02@6(B9WP("-+$P:Z`Y`BU.9;Y*#*!BB+G``@8TQ3!KH,5(T"PS``&!"W<9
M@'HA9G\+#-`$PZP!TVO!QCB4JP)I?K;PDWFT"=."CPR/N4PCN>22%K&*?!:=
ME6DC_"1+:2N?+K,WH_2)QS7O)5MK38&;*)8U7]2+>>#)([_%6[*N_/22S.P-
MME`)W9FHP]8J/NW`NA6*FQ@G1[/ZBQ?_SN6>ZJ_B<R-IP&_\NW"*S-0H<WRN
M5.:R[!Z0N@24X@O1I,ZL@5,O8MMUK:"VK,7*:BROQT1%5M5D157[D$#Y$_.)
M;4AH4FC6@)$9[CA2LNEN5=2]8.NB]H48<53]BZT\N4G>@!I_U,ADGQPHFF*.
MLDQ.CZJ?]DS=5G^"<0;C1A&"H6,=F!ZFIT+_V`:&*JWV6DFKQRVDJ/.39*1$
MIUA<RZ5,L%G(068A($W]1!:=1TF:_*3/705HH)I<_*CB<NE>E!(?\QA[JX2]
MR<K)-C,RDR=_7<R/;[<^H1SMP$>(UE(^5]]Z+>R4T2X68.O`5Q:*7ZK*HNRS
MOQ!KMS12B\6L<0<$Q1XF*4/N;/\0J.IRKY6ZW$)?^N/.N3U,BH:.,O?X>;D4
M__PJ?UCJ4>I3%'^.DF0/1%2)NF=#HJ[KY1[I.H+2-5/-L*H==?M!UI)]DC!9
M&WK+(9*H<G?/FMS=#*=#^B?S%$[K;9P"1W#")'+H,H=PHDKG/:O2^1\!*4QN
MAVYS""FJ#-_K8.<NF2P[TFQ;.39:+N5>@H<7'&X7Y=H>%EJ`3!W/N_+$565L
ML5K^Q/?@3(TH]`SL0:[KA'8'M<1-*Z"45UG$OH,Q/1Y:N3L'4Y7W7BOEO>T4
MV,S3V.!AW].8J`[-W9VGJ?)YKY5\?N3,=,#A5XBG&?=BF<Y+C//S)R]^5()5
MX(MV$SGSA(F7:45BX%]YH?>H[)'5E)-!PH.@D,.\6)17#>13EGPQ_U.K6X@"
M/[$K]3E;'R,:+B9"YB?BSWGT&/K_%E_02]5<D_IB;E(R65;Y(8I^SW2SXD/5
MMU`?)3[BOO;C:SY&7G"6RW"AVEJW$:M`,3.NY.I/ONX]QERU)!H7_Q0V77OA
MRY^3XO.3S7HMOEJ<L#?20/R'MUH'<I[U8V$I.2\_12D/Q'_%',]D:B5/_09%
M*[X\VK'V7M"?I+Q\/?7GOW/A&%_F7EN(&=X+='&EZMN#E\B^A%N]*+^Y-#WV
M"6H]`KKAQ9P]\I#'7A"\U'G$R[^;M.9:_`J>LB\05_;4;5A\JYKOD3Z)IN7'
MEMW(>[!)9,YH];;XG$V8I:23W\-7*Y;RHW=LKRR>"9VES9.W%^HSM`Y]?^+"
M8E[RE#/!_6?NPK(&"Q/!`>GXS?7Y"C1?E]8-@7UJ'*A_XC08R'>O<M+GB^K\
M=>L^[&.1&VA1XSZDAF;ZK4(S+1<LAYP9N^),+/H`36O<F=3P0K^#S>LU/OW&
MU^*[J55&,0_G"Q$U":EI0*U'LN#3BLMQ79;^[J=/8J"6$U4U^S(QYC.N'F#E
M@ZVHX&5/T-Y<.E/=FUO.?FK=(IYIQ3R9A>>JJ)FV$DFRZ;U\.I<+DVH6%//#
M@B\V\[3XPNG64D#,X>J38NZO'C9Q4CPH%]U07T'[W&+:$A]ZMYD_,6\E/S/)
MYR?Q.?D"34V;[PJ#):IH^6F)-%3ZY,>+=VLO3E\R"\BE@OQX^9+X]FK9D3R]
M>_#FO^<QFRS@>)''`>-U%'NIBA>*-L4$6#9O?R+L8[$;^"L@/A0((UT]\7]M
M&F2&$I].C<[T341GZONQ_>PGEW=Y&8=20>E&T1U]PM#*$8ZF!D_ZK8(G1SWJ
MM_1X]=P@QN*UYZL-#7)0L__XW\>"(=`%G0)`#7?T6X4[*`K`7@ZNQ`/RBWID
M5Y.,G$#RI[('+U`S9?+$Q8/<0LX"XIU-R$,Y9?#B65XB-,\1RAY$Y=RD38`7
MLDU?S$>![SWX@3R>*F:FIRA8R*K%(V#6@@.3"A8D@<X^&K5;^0O[IAXFU7']
MXCKU6LZH,9#^B1,&[^M$`95ZGVD%REOC[?L7"PI`(W?G7VI0H-\J*-!R(FGF
MZ+@J('?^N.)I+#H`S=V=IZG1@7X'.4@..;SXMQ[Z4R%$]4P3E4'%ZI<?%X]V
MFNHJGHD>5-0\2?U5/K'(62!OT`]%([*&'^X\2475!,9D_OEE%/B1K`T^UX&9
M!(M90`B.YN^C>$`6=DB^\CC/^RJ3N'Y<-SWLWJ?&,/H&TJ$T[529S38O+W-8
MECEM917V\>M=D13+I>P'?4R]A:ZP1L6`*NL..DB/<D)*ULZD3M--I[$!'7(T
M&U]X>J-V<URF:>P_;%(Y4MY'F@GS5?E!2*BZ\<!`MI36O2OHD+M-LYI,K\KN
MHRU6BB<6AP:3`:8\0^<X``Q5FQZTTJ9;KG*/)T>,2[&TY5_MHX")H=#L#J!`
ME4@'K232XR:8CL82!Z8<3%J%+CK]<N2>_Y`Q_,.X4(76P8FS,;?J5;,%2%'+
MJ:D%DURA,RR"015@!R;WFY^0D#=%%:>RN`TPG13ZQ"(?5.%TT,'F<4,#B0/S
M"B:S0I<<C<>O=_)@87$B,3M?6$L"56(=&-AWC76@</*O["X[-UF\S7[+"CCP
ML\=$56C@;OQ*%50''0BJ^_RL[7KY]:>[GW9\'JL;-M7J,5K+QPPI>B;\46TV
MM0\"IFY"CQ`R?:<\#I4=O:`%$U11<V!`U#S0ERJKMU;,V0$`TR^AU;OV^Y`J
M6PX[D"T;<J`-"_N0<'M\&&):)O32T9S\'$0/GCK<P..Y[P4-,:$*ET,#PN7^
MKA149*585<S!P6&(Z9'0YD2G?^'I]RC^_3)<_))OH&SH?*H(.3SQ96W-N[0#
M05Y<G<0K*KB(`Z9)0B_8PH$J1`Y;"9$M!817S04F.D)WV.*"JC@.6RF.QRTE
MVN&AK2AV2/%04AQ?6F#2)/3:T?A\\OSX[UZP:7:UD/AHJA(Y-'#%7%TG"B3D
M^RPKX.`]4KI-=">?3E]L[62JG#CL0$YLXW0W;HO2[:([^G1*X2<_]$*Y7KX)
MA3&4P9+/^4YDGR?_>/+G3\4FZ,PT'_^U\8+;^'*]CJ,?:G]::==:.J@2X]"`
MQ'C2GI<(%8TRK56F-<M4NZS<5Y[CIIIFMS'3&F<5C_8QQ(1-Z%;',:0JHD.3
M"2@,\QAH#,K=J=\5A_."P^>,0ZXX%&][&H=+R>&S&QQBNBKTJ^,<4E7880?I
M,<X!QR)/JSRY&F^RTZPJ+=,%FV^2-%KQF"W$8CV1YVO>\!]%/MBYS#:[]`44
M7!VQR<N\O6#PW)>VI_J")4]BX?].)6=XB.(X^BZ#C?EA4-&FYX?Y5FN\>^HH
MSTX7:WKVP.?>)E').U[4R5;MH\6G+#9QGJ?JV8M]]2B2'T1EH9=N8GXAK?8D
M.L/"2/1OZ<O3PBOYEI^^.+"LP71R^+LX_I:S9\\/I%D^1?&=%_#J'M!OTFZW
MRQ+-^^AR)2PK4UI<14DJ8\0?Q.?\7O?C'5&E])&!Q`[T[I9WHA4M,=$4DVWI
M=ZBJUN2U6=721.[=*IMDLDWVFVR5J6;M/RF-,*4=.M%%TJAJ_*B#S."G(T]3
M83)M)=FL5F)P^W>1#^`QCA*9QR;F7J!@*W/K<768GZ_D:?SXA?FKM?C0;.G]
M\,+42"F'>6UXE4D/2FCED7[[0^((BPY`!EP$E1HY&)G<OFQB;%S6CHW1UMB8
M[HZ-]BG#@@[0@2<0CAJ>J!E1XPPC`SDA:GN!ZH,N7B,[PH((T-8=^ID:-QB9
M3`EQT.'V#^R.,%T?6K5#CU*%_5$'.1[:_)(=6`-@LCZT\RED_8;[A$=487]D
M(,%"?3?P^(V+.\1'F+`/K=VEJZDJ_<ADKH57X7-,18=F/SX57J9C:3*=3"@G
M'I,V\>$0WHBJCH]:J>,M[KQKU*TR8T\A_.6UG/(_IEY#NUOR/U65'G6@2K="
MH2!`#[]IQ1V8[C$5%/K!#@]CJM`Y-I'!]H3^=VED&&,J)?3`T204HV)NDH:[
M.L94!7)L8#_P_J[430-N;N,98YH?M'K7;J?J>>,.4N4>BX$K&WO&F!`'+7\R
MUS=\J!]3Y;BQ`3GN0%_V_.9=E.;&F#0'[=ZYYZD"W;B#C;U'D^!,%J,Q)N-!
MVQ/6?+'_[,E<U/)"D[_QA;QCY'(N7LB62PUAH&I[8P.;=MMUK5H%EK741HV\
M'JLJ.CI,8%H@](MM4*CZX+B#C;_&P'%G5,'41.B;X\^,;+S8"U/>G`NJF#@V
ML.6WMA?E0:&R@*-C`B8@0E-WZ&:J:#CN(,E`&[>[\XO&M$)H;JHVE'QXD?EC
MHU!\Z&60'Z=^Y@?W?(RI:N'80":!AGW:T8<2]N&%E1685L.MG6QC3"V$?K!%
MQ(2J%TY:Z85M;TLZ,1K6:9A@BB'T@34:J-+AI(/-BRVA`#L4Y0;RQRC?H@AW
MG,N+'?(-Z>\>N*=N`(YB%D;A._!Z44E=!_&=!X'\[\-+EOE&5/HB*LF_[7.'
M29;0VR?@[E[4/,P95:N<&,A:4-,';'"1!=R:9B:8,`G-W)F#J8+DQ&0>@I:>
MMN]<3'N$)N[,N53-<=*!YGC`QV!6\!X?8_ZHKHT7`W@^L#/9&WE-O+IU;_L*
M(`<&=4R4A,XY_@8I?\4K,_Z2'T,ZC`=5A9P84"$/]*6\04Q>LJO__HN2CHWV
MF,H([=ZYYZFRXJ25K-CV`CDB`O:]CLF%T.:=>YTJ&DY:B89'WAK7S/E@6E@H
M94FEBID_\<4FJ`YD^MDQ5$^L^FN.ICHP16#2(W38\5%++UY<AHOL`.YMEE8G
M"@\D(YI0Y<=)*_FQV02QMR?:Q8(+%57(BK&JG#N)J":8!`E-WK'+J<+CI(-M
MBHT0T$:(QTJ`5M>%9?<X7XFEHE@Y*E2^\4<_2>.7"_&7&#-"]C6.4C[/SH!?
MSK-KEZO7MC-7Z66KD^C%==!J49JPA1^+,H&Z?K*Z;=D!)7R"Z9X0`WK0X_8A
M\!\S3WWV0WZ3\M7!`,B4JGI.#>R2;-0C$/Q@6FDFBS-5WJ7XUQ03/:$++*%`
ME3RGK23/MAD3VS!Q$RZC>*4*Z0-2-4S9)P&3(:$'+)%`%26G'6R@/.D@87^6
MF&*R)73$\8\THOSMLK3#002HLN74Q%7W>!_*YU4I4=TN6>5LEX9^3+F$5N[,
MOU3E<FKTAOL&CHXT1]OW+B9`0AMWYEVJ\#CMXOKZEK]F!\9H3&R$MC:UI;'9
MZ8<I57J<&CCQW*IG;7:^.G@H9HJ)D]`KEBFA2I73#J1*4]2X<H9FBFF2T#/'
MW[*V7/)YJF4(DK;@R6WXC2>;($UNEY6V<U#<GE*URJD!K?*H'I:WK:G*.^G@
ML@;8;<CR)N3[NKKI4O1KBBF<T%&.`$15/J>ME,^V5SJ>@*3M'&U/&4E*@LA(
M$N]'92/VX<%T2>@D-^"9477*61<7UU,8.I@_4*8%W`-9)HF'213X"R5XW8EO
MQK,L@J).?FVQS/PF2XKOX4<+^U/@#%-$H;-/L%C2\@#_[/GAYRA)OO%Y]!C*
MY'8W86:?PQQ21=*9@2/EQW82+IFVTK[+%IAL@E5MB`(%2D[-A#-,3X7.<H<C
MJL0Z,YES\H1`^1I0CQ(HF?54S(@E4.(E7[5BGR%,@H6.<H<AJD8[:Z714I_A
MCD.IQ;2XT)[\PB@5_T[\QU#-A5YR_C,E)B!#!(S)"@VSL,VHPO*LE;!\&OFI
M)B.;+B5<UD@)>567!*@9)D9#OU@GA2I2SUJ)U$=/@4<C4ZM9NIC;;X9IV]!%
MUJ&AJMLS^^?UCV?'@5D($[>A4X[&Y%9>/Y+-P,)TZE\??ZQYF/`J\]E!1JC:
M]JR5MMTB$V2;WE54J!/=<F5RE=_1<GCQ\MD/W4H0-\.D;N@HN]Q0%>Y9!\D`
MCD%(E2K0D`N9[(6\GI93D#DPP&"2-O2,75"H2O;,0/(`LV"X-)1@NC5TR=&$
MY`^BWH^F641Z[XGBM&K@U#S4=Z/:):G\KHHXF2]&LTOE:L3:7;J:J/^J!DS/
M$>U<;WW,UVRBN_ETXNT1;B;*LZH!8\^FA_V;1:*D_IIZ/[*K]:3D&L[]P%><
MV/<Y(K8B9C^%SQL^6_;>$_54U8#!8;SNN7%[''=17=`LHWO[=.+E,=XF"I6J
M@2Y^XBW=;M_7B/R(6+M37Q.E1M5`A[-V$Y<[,&TCDB%BZJ,=_86G^?-,FL;^
MPT;%?^ZCJVBUBL*[)R_F3U&PX'%2ZW:B6*@:./6`WKA7A=-%A?(13:LB+R[-
M*C&]EGTJ$(40\81%*HCRH&J@A3P8I5ZP5QZ4!8Y'(PN>,T]'0QZ!S=!(G$(#
M$0$1=UA$@Z@`J@9,SQ.M*=%"Z&$K8%0,_,%+_+F*1RS\8",59^[%H;PX7(;&
ML_(.S$6(;(BXDW@`YYH_I)<__'I^B,*@:N#4$\[V5]\]7B-?%T\*XAT'GA(0
M90^QJ6$G]JAJ7L]D(M#S\68/$^^@<4U[DRK8]3H0['"GZJ?8UUGH3VUZBM2^
MI(5TM1C+@\VBV`KEK50:C6B9[;03@[?<;'>1;9/*1GTI!_%\MWJV$VJ[J!SG
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M-O3D@.UARI7+&#7#ZAR=\F3[23FBJJM]`_LP3\/-+<K-+<Z-4R,1IM)"1]&6
M,G(+@Y\D,CV.>"[\Q!L\]O:IJFW?P''S0YW9?J#1"BHQ3A9UZ\FFCRFXT/+=
M.Y\JU?9-GB!O2H$VIZB%K=J)4P`A%8VE`PG+-5/I#)Q.@3V:`:K4VN]`:FV*
M0KNG7104!Q8;F'`*W40CY1M_YN&F"1]47;1OX")WO`O;TT*<O\U^2^54\.#(
M5(`)F=#&73F7*F/V6\F8QTP`M5X&PW[A</L^QH1,:.JN?$R5,?M=R9BUKFXY
MK!<@.#"48P(F=,C1)%P^BXZ+5C]%\9T7\#L^SZ^34_;<>Y%6;T`5,P>MQ,P6
M&E:37A5H5&_F9^]=N3U-,X_F>VAT.[ZGZI>##C9UML'@_LE/BNO87_)=G5Q>
MOU[M`/4>HDV:CQ!>UG209:E+/#FDE,W;'S8&F&P)?68'':I(.3"P"[,-*D59
M)@HS69HY/(9@NB/T`.7`SS>^V*BK`>^CFU",P3PI`DB?H_#QGL<KM:TZSXCR
M+=NS?!^)FG<\38-<P@MW4C;7TD.5)@<&I$EC5M"/F96?(,\=%I]1!N+EIS#Y
M,=GFTBJ53/Y1LI)L1?LTF6(?Y-VW3RRF<T*OGQ&Q5(%T8/*8>R?HQB6Z*M=P
MCFX>.9;'(`));RKI5?MGI92BYEG[-&+"*_3H&=%(56P''1S$-PZE_CRX==;&
M4WL:*E[3J);7=PBO<D^<+Q\L@Q?]VDOY&;+=1!M\RS3(Z@[=/R?P3@$'EI&8
MY`P).CZ1A.B[+XS].?)">15ZM,AN+I=N%TU]+BZ3K(69*CT/#*07:-JI\I!9
M7IZI"NS#"].K,'6PX+?/Y469#JPI,7D9NL(>%53!>=#!S5IM*5$`^.HZ92^/
M2=L'`9.BH?6/O]Y=75_^'QLO\-.7FW#AJXKBJ4L938S]W_B<^\]-KEOK#:A"
M]<#`?MMC.E@`D=_MGE=F96TE2&1#B9R6M!9<VLTPP!1NZ",WT*'JWP.3UV9U
MRY!]<#!!''KH^,.*3WZ<OEQ[+\E7+TFO-_PR^<J%9\78_<AOE_<R54P=*$.J
M(#XTD(6T28<T$5249;(PDZ69*,XNQ=]E!;E32E6Q#L(04\>A!^R`0%7'AZW4
M\;:GDUL0,7B_0X,GA@3VO\E')4<PP)1N:'\[&%"5[F$'VW';T*`]-J]X&OMS
M-O>"^28H;OCQYG/Y(*UNE\IGC"QQA9Q)TB=//"G'G`FF%I*IM61J(9@2#]:B
MV21O0V;:*$8;@9E*SH6UG)1-VW]0'F(R.W0_1292MS5)MVW[Y^K)BQ_YWZ-`
MN+660ZIF/C2CF3?HDJXB9A?AR?)P3LKJL*R2?1PP#1MZP18.5$%ZV$J0;A&W
M)S%1S4R.P8!)R-`'MF"@ZL%#DSMX7R<0F*H*_6`+"*JF.NQ@.V\[+G;4?G7_
MK\1BGF$ADQ^P[[&?\G?1<IDPX</$3U2R#E%H'?OAW%^+-<B;[!9I^;KT*/,V
MZ5,4JRLTY5/R)M1>$(_98>*I&$+RMM@:++<+KZ-0?I$+)A8PV2V<@G>?BQ>B
M4$_#H*]S]JZ/'F-)?!;!2-B#'P19S*%JRX7U$2890]*.WX^2+P\KI>(RS*35
M^T82SY`J&0\-[%%NVJER7TJQ1JXJ*/(R(>=-5LFITY5#3$"&OK"'!54T'G:0
MC?:DF#@P5&#*,'2$`28:'HX<4N7@H8$4LXU[U7"P</$L]A"3?J$W[)$QHNJ_
MHU;Z[ZF'BV-(L3]>C#`=&'KB:"J*,,IG[B5<LUK2^+:ZWH@J!X]:R<'-1HP6
M_2ICT&ILD%L+LTI;P44GKZK3+*?3<3IY^!1T4%7BD<F;KH[&).&/LG_Z#GK[
M-&`R+;2_51JH6NVHE59[W!QR)!2'APX'IA-,NH5..1J1;URFQ..)"M"+9_J&
M3R(CJF8[,I!EX4!?*ODE*Z;.2V0%V;US.U)&F$P+S=ZYXZGZ[*B#_;IM05B6
M(#CP@\?46&CUT_F]Z<,$58<=&=C;>J@S>SSMYC/E"!,FH>F[]SY5D!QUL(>5
M0(,#OWM,>X1F-Z$]-KPS<415'T<&MJPV[U8SI:FHY=2@@$F0T!LVT:!JD*,.
M4C*<&!4'A@Q,@(2NL,C%F*I`CDWFE_TCC!UC3(Z$;CG=@J)*WJYO]"XDW<:Z
MPYBJ48Y-):2E]GC?FM0E<#"E$GK%/7"H\N6X@TVN)V=(DS*TJUMT4>NR'*9<
MDK?&F`(*7>@>9519=&Q@"ZMIJHI+-`YAY=0PANFGT'L$P-91K')XW:ZYW,D5
M/MYED09IZ)]Y]!A[ZR=_GK\;-0[>CJD*Z]B(PDKLK;8%+F^(E2VQHBD%5=48
MJUIS4[098U(M])^#C%'%W'$G8N[IF8M*YI*".;F,?ZR8B\K6')@D,4D8^N[X
MPZGE-*%&\F+X_Q8%@5B;RHN4#N9D'%/5X;$!=;A%O\H3J-7B*9O5RKE0J^56
M+NXQ)AE#?UBE@ZH>CTU>178,)D^B096.+TN:HBV.LL-E<=:(>K8+U`K*/B>8
MP`P]8Y43JL(\[F!_ZQ&XW'L/F\"+V:):(F?;_76(M,WV=0RI/V59,3GYT<*!
MF0E3IJ$73ZA`YE/_P94-59`>=[(I=J<W^V3&O*A3ZUY,?X:6[][[$ZKL/.E6
M=CZ$@79\V<5M;!-,8X8^L,`!542>=)$5^`2C@OV98(+)Q=#^QS.P$E/>W`L_
M9F?/[F/OF0=YFKWBEM@\=]U-.-^?\7="E8@G)C+^'M'!DHR\+LLKLZQVF6NU
MO,([;T!>+N5.3N`)I@%#'[F!#E7WG72P'9:"4N.\XVV9NY#0_73!/)9L'A)_
MX7NB?9E/HTHZZ<`HAJG%T.>G0C$[''P?;Y+T`'94,7AB0`P^U)G:T2D__JZ*
M.C0,82HN-'SWOJ>*M),.1-JF+#0>7N2P`,')IR\=(#FB/'NQKY9#56[<,)49
MY)P;7S`E%SKX5(Q]YN'"#Q^;0$;5;R<&]-N#O:D=8?*BS@TQF%0+36_!_52!
M=M+!]M[&.)QFD-EBZ+Q&&4SIA2XFY:!;?/7B]$5>79OE">;)[?*:KZ/$KW\:
MIZJ[$P/[AP_T1<]$N6!K68[-M8+2]XNLJ'VW8V(L-'KG;J=*L1.3Z6H;^O\*
M]SE[QS0R[!.`";+0_ET3,*7*L=,.\A`T!&$K=Q,Z)NAXE&DBH^62RYSZ#R\[
MMRQ\\,+?'=AB,,4D7.BW$Y!S]YWS=2%EUA)#%6ZG!C(4U/0!FR(26:#TOGWO
M8N(LM'%GWJ7JKU.3&08.N/ENR[6.30!33$J%YN[,T52U=-J!6GK`WS4#_O8O
MW/WQ'1,VH7N.!N-N\Q#%XG$IDYC+RPJ_AWQ1"P=5TYP:T#3W]*,<`+0BVB6;
M+)*%[#L:4S&AJ3MU-%7`G'8@8#9PO#82)#H#A1Q0[N0IH)")-W=W]5SD>H14
M%N(L3[G*U1GG33V+AK(-J;*QV`OG3]D3QU;#F8CQ)L%1?.O`>(,)G1"$3C&D
M2IS35A)GRU7'^0\\F+8);7ZTQW^6>66S1#_%7<?W47:WWNU#X#]FF[5OEU?B
M?Z/`7T@K_3U7[,H;^Y1>5PL(502=&DBZ>KIN%QBI%O/=S66;\CK6K%6F-:LR
MV6L-LZ)E[;Y7U;9]^C#)$SK49?JHZNBTE3K:<G@RA2'<.5W=9)Y&^065:NZ+
M-"S5Q9AU<KQ]%C$=%KK791:IDNVT@W0.IT>R]A;6+*=Y2S[G^L!9!ZL#*S5,
M,X8`.$SKC"HOSUK)RRU2!9P>T2OP.*&SV9P[Z]C-,,$9>I*&G7[JV11\5*5Z
M9D"I/G7GM^?LK>/?KV4!.<,D<NA<]WFD:NLSD]JZ63#UQ:1^7\GY+REGF*X/
M7>T^G=2`P*R#@(`I2`\L+X\B]DP6F3,L_`!A<)]?:LQB9NJJ.E/07J%70-D'
M"@MS0.\<KR]7$K[:_Y=E$*[%@AKAF+6*<#0,9:%=*,5D+4:1O<U^4P7L[Y*=
M8;$#:.*N?$L-&\PZN'^NL:^U=^W[&8L80'.?SL^?_9#?I'Q5NU]A1HT`S`Q$
M`.J[L>^W+`LQ5<J!'S0FSD-;=^EHJM@^ZR#11"O'[Y2P[W-,!(=F/S[;2+7A
MLMRCF7QX^2P;$`;</Z13Y>V9@>0033J$[$:6"DM1FGUX845Y=V9S3%^&'K`!
M@N@+#035@.EAX)6"H=FN`@/QB"DP#LT1HCTJ'`:4W::=:@6$0VL%S6@Z%:?3
M8<E4$/55U8#E(>,54(+HH8AK3I7+[..S%VRRG5EK3^[4"UX^1?'-:NWYL?Q"
MM;`0Y4[5P,F'D'9]J\V,6%9D54V5,;BJ:Y\31'=$O&*=$Z*LJ!HP%K0A`+.]
MM8>7Q/CAPG_V%QLO$,S(I':^0\P@TB+B(>O,$#5'U8#QB>@X=+1("<B*F#YY
M*?-BKM&45.//-DO6`Q^:D7683G^;VVUX*JR(<J=JX-13UM&]!!GM;T-VGA,9
MHI4BOG*((Z*4JAHP-J6=#J@H1/:PGLE$A\BRB-\<8HJHVJH&3$]Y)T"KG/QB
MC;)SGP@1/1AQ*"5'Z&:U4:GG;M,G'LL3F#%_XF'B/_.;<!ZMN+S)I`R+"]/?
M>3+59G&,YM[[4<L=42]6#9QZ3CQ%A[7,HD5;3#7&MEIC67/J*AAMQY^<(F63
MK&J3B4;MHX8HSH@/G42M1U6D>X8S%Y^,N2\\E<<>N1>HN*5VGNW1\^7&YM0!
ME'J81@U]Y"9*5/VZUTWRXY,1)?YD?+GD\U3.EW*[7+:QSEN+)N=^)F/F"?2+
M7?.)`"WD:A>>*!-X29+IH"I'V.*?F^PP[D5QLE?.M"K!2[5!3TZTB1=PC6#[
MLVT/4]$A$*:Y%=[B_F-XM8EC'LY?[F.Q;@F4<2]+V^XCF*JU]TSD:3YIUX^9
M@?.F6=$VTQIG5>M.S,4]3*B'?G4=1*J.WVNEXYN9E5L265`V+RA+-<JJH=&5
MB1H3^J';7.>,&@?HM8H#&)VR6^(&)V]/&Q(KWK+'7F&%32`>D"4%V84X<327
MR3MEHHSBD^3M;E6J\:4?>J%8!00L$9WA68X-F7MCF8/._[61R3RW4W"D$5MN
MPKG\VJ)F^5O(\W'$ZD8Y^4&.;+37`-!_!R=,8MW,^==<F)LO/O!0_)%^#>25
MVGNPIX8R>@:V3Y-Z>LRTGK?$\J:8:LN-21P+8D"G.085-9#1,YGNY21T[3Q"
MKV5M.3F+02U2L*VC)(UYZL?*)NPA)RN[3,R1B1L+;$#?.<86-;C1ZR)=]BD0
MJZ;E!)N7YUNCF9^-9F\D7V_%Y)B5$5-H`=Y:MN[`)(D%/J!/'6..&OSH-0M^
MS#+F0OXHO_^^\>Q+5N2TL,F8Q=Q^;*R'A2N@"XX_LB!6G$II"M/L+M&;\%<Q
MDL\C\;+<S>_]R&V4W"3?N)>(Y>=#\/)5F-!_"/A'M52M)84:KN@9"%><HL/E
ML8>J+98U)A923&].+IN*A53";F3.@J))5K3)LD;MHX:%*Z`/G42M3PU7]$V&
M*T[)W!9=8N%4S&EB&94=Y%8'N*-XD<UXW`VV^EC\`CK-3;:H\8M^!_&+3A#+
MEE)29A!DU=.FI)$+YJM01M[.!?L>;8(%"Z,TGUK5&BY;TLDUF]PN8']%UL?B
M%1"`D^^YO(J"(#-$PRTH?6I(HF\@)-&Z=W79I+2M)'.MKFL;E_I84`%ZQ@%:
MJ'&#?@?I3HZF9]\NW48@.3#N8&$#Z#4'2*)&!OHV3@@T&H#JMDXZ/0)A,COT
MD<&MD^T)HHKL?0,B.Z&?+;=VZ^VXMKF[C^GKT%].T415U_LFU?538G5@@[?3
MHQ2FK4//.<4555GO=Z"LGP2O9IN\SV4=A2GJT)='D_9)]/3O<N_=URCPYR^7
M#TD:BV?96HJH6GG?P$V3-7TH]]N(MYEZGV4%V&]%$?OGK?N8'`ZMW)E_J0IW
MW^25DLT=[9*',14:VID2$U.Z596B\#)<J$&SF<L'5*5YT$II;O:3;MHI;3M(
M)MY5%9BHD2]6W?O9#S#Y&'K"'A14B7C02B)NO\?CA'3(71WEHE0^P.BKTL]J
M1X=3Z&"*+O37T>C<5-OT&K)"56X'!I3;VEX43&@%7!P?,"$6&KI#)U,%UX')
MC=JMO.V2FS&5%)KZ^&E`#%[IW=;==@W=355%!P:ND#S8FW*\EP79=DD7?^28
MU@DM;\'[5$5ST$K1;#O[DS!PR?^8.@EM?[3_KWDL%CM2V$C$:N=O?/'HAX^7
M4NE0A^D:LD#5(P<&TI:TZEF!@U9)K?[R:JRJY^(8@2F-T">6&:%JBP.3*4E,
MP>(2)9A*"+UR-"5?X^C9EUO@Y>&C[)'HFB\VZO1.<O7DQ8]</C1]X>D_Q%#+
M;Y?+1&U6K06&*B,.#,B(QW:R0*:JKYXB\R?'J@F6M9$]7LH3!JH9)MO)CK#8
MQP@3(Z&OW,&(JE8.FJF5Q^W<IO)4=^E2&=:0L8KLQ`E[EYU+L4\0)G9"-SE#
MT)`J?@Y-;K,U19`KM`PQ%12ZQ!U:J*KHL(.-LU1HM`"J=AA=;H;58J@[X]$F
M4)MHU:'A3>AMTJ<HSC;;RB/#7C[_Z6>"#QU^5X.;.G\L%F+1PGX@=HC)KA"(
M4[$J;S8-%Y^YE_!='^J>^QK[X=Q?>T$MLE1Q=FA`G"7VM7;!I2Y>E[J^;`I9
M@.TLNLH&[<.%R;W0=<[!116%A\U$X9.LOXZE#&SEEEF-OLOB[R))T3NV=H<C
M3$^&7G*.(ZK:/#2Y!_>$'&WO=7,9)$R:AFYR#B2J<#WL('7WB7CZQI>!.CV>
M96G)W]4N/]62F3YYSYP]<!Z*Q=HJ>I:GE\2$.5>+P84HN[S(UFX/XKE`U=N^
M,U5,J5E2%O7@J99F\Y@OM(0'5:8WT7KLJQP(+VM_KK+S/O"YMTG4/:LO*J^J
MO%O57_"X.,.N#E$E7O#L/7(5G!<?4'WEM7#7D[#.@CV\B-7EUL6LQ=X]L7A4
MB6)\[N#*$9/Y(:D=_Y:*2TE%V4^<U][*,J3*_T,#\O])>GRJ561YW[JL(QNV
M#QP6,X".=!0X:BQAV"R6T.6:LH:\PRO+\KII]>CL!%M8I`'ZS%&VJ&&'8:NP
M0R?KS#UL'5AM.@@7%G^`3G,4+FHP8MAJZW27:\\:QK96H(`F2RO1_UYV:CS"
M'Y.Q4$Q#E/;JZR-J-&9D8"LZH9^G6F*Z$1T>8=$:Z#*G@*(&;$;-`C9=+B9K
M(WS9*.MR='B$Q5"@CYPBB!H_&;6*GW2R9#Q`D#.T8$$1Z`^G:*$&1$8=I"4Y
M`32-8L1;XY%,81EL%BI*W#0$+%=[.T\M6NK+^CBS:RNQ$1:5@:@X!3(U(C-J
M%9$1CP[[!SU5X`\Z:6*A&.B?XW,-R!_>[;(\6WL?7:YD[O5_R\/VXIGOAU_[
MR#NBAEM&)C*?'.Y/.8S)HO)>;NWD\'W$RO),5F"_R2KV]_B.L#`"](`5#JA!
M@E&K(,&1N26:<W&Y=0?1[DUL&371%C4IH$:V9Y\9+!(`O66*F>MHY?EA+354
MI7_4ZM3`24:/K$<MQX^LD@,C"*;=0R]8HH&JS8^ZN(*T/1UBG%A*.IZ+<<(K
MZ9A+.A:JCGTV,.D=^L04&Q]X^IWS\(LOUOLO8D%W&_*_;<)%S!=?N?!XF&;+
MM5IXJ-K[R$!B[M-TN=U8DS?*LE:5QBC:97G#+&^9_9:U[<"0A(G4T)N.8C>F
MZM7C5GJUD3'+(H;6Z1MCBC9TJBGZ/O,DN7_R<MLW(XXJ:(];G4`XR4"WIYOM
MJ)(-,=E2P95SP]D8$[BASUP"BJIOCUOIVT:&,..`V><*D\*AZTZ03;G*D"1U
MM6^9W%ID1RJS,-[QM2?SVP=RQJA-R7C/?Z0?Q)?XO18^JEP^;B67-QO-#-L"
MV?RE?8Z:*O-/JI)25<EVJP]3)??DWF6_R8]DZC,=&!@Q"1RZ_^P`ILKDXVZ2
MAQLG&3ME*L,W1;RF%-BKM*M)A;(LZ7*ZWS$FP4/?GQV]5/E^W,%IB8X@OO<>
M-H$7LX6?S(,HV<3J,OJ:$Z]J)YO<478,S=HFMNW?AOU`Y1@+,4!*3G5I0P>$
M4P,38P.G%XQ9`5E:5%O-7N.B`HMN0)>?$:[4B,C89!ZE3KC=CLN_HB4$%GN!
M_CXC5JGQFG$'\1KCR!Y<-FA;WU_C@@&+&D$R'%L8'TIG-Z9&D\8&HDEF38$-
MP<?)$MZA%80[6?/&6/`).M^9,?D0MQ-J.&IBX/B$*2-@Q)Y\M>L.JQ,L5`4=
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M=">ARP2+/T$?.DD:-<8T:19CZBQ%<QUR5WBH:/O\FGV2L`@/])&3)%%C.1.3
M%^.>F"0\:[-K,&'Q%^@F)V&B1EHF'=R&>T*FM`.[.R=J55*41*5O%JNL*H_@
MFYVTSC6';=\6^5Y$0ZMU%,J/N&"!W$BG)P-T[4CN!`O'0"B.1O=.K'#]I3_W
MPE0X*GP4Z^Y?0VD0\;(PH5A>?^`A7_II<I-\XUX2A>(W_O)5^-@7OW6Q'@]3
ML2:64M0\_1*EQ1NU.%.#,1,#]VD8LD&!M-8\R]IG-R'3/T&***SX#'8CKW\L
M/H45K;'B<UCV04Q\4OFF?4RQ^`IT]ME@2@VL3$S>+FR8URTRY>/T0T&FGY$G
MLU&M"RS32#X8JQ;M4XC%2:`OSX7"*35,,NW@U(YA&+7U0!99EH<0Y5R_X/-8
M):62(>@P_]L/E;:(T_O=3Y_\3!(*Y>:@7I^MHC!]RI(I?'_RYT_,3YF?U`*>
MY8_+?@1B#9)EDZN^1O65PAUY2'X/&<HI,X7X2MVRO[R88M$:R-W1OYA?0U\&
MS`0O/-E_OF-*#;Q,#01>X->O!DE?Q>C46^Z<ZYEBD1!HVB[\20UJ3#LXKU/O
MW_LG,0X(J_#'*'[)<P()1_NA&"M6>0:@AVB3LE]_NONIS*WHP`\:BUM`7QP-
MP)<H;,$`-0HQ-7!L!NU!&9V*Y,K<S9\VIN)#"W?D6:HN/VVERQ_WZ][KZ<8_
M<-'*._4C3_T5=^F7CFGMT"^GVA1T@`>J>CXUD&`)[4']=AQW?NF8]@TMW)%G
MJ6KVM(.427L]O97]V7M\C%5<1>Y]C;-@;IG^&6R'?>+!0CY4R/#N,@K\R(&?
M/:9E0R>==B?K`42H&O740'ZD/?TXM(?4G8$`$W^AM3OU-57`G7:ZF[[6]YJN
M<.CLG!HVLC%BL>%9D&&^25+Q`!\G*BE\X//B)LC'*%JH%^5V3G_.03;Y!0_\
M9Y7:71:*LO%%:1)RW1&PN;!=HC;G/VP2/^2)_?#9%!-W(0A'8[B5'#.I7)9M
M<.6+7T/QWT49,?K@"00`7M6WI6JW4P.;XH_K8@'K3A[V1!NM6-$"RYK0=H7D
MC=C'!U-EH9<<P6=&%5UG)B]:IG&4(U+%3A\<062&R9#0$ZX@0I4J9QW<KDPC
MY5Y,2)L:6O3<UGXQ^BS]4+PGE]/:'&I_M3S#]%#HO^-%$Y5^Y]I[2;YZ2?K!
M#P*U-S5/Q^,]\MNEM@2I!8JJE<X,W'W<KFNE@);E(Y+5F*S'\HKRQ$!5528X
MTBK;QP133:%7;&-"E5-G'6SJ/@X;;3F^XFGLS\6J/)CGF[:]PVOTV7NVD,BM
M)7(/.7+\AVPTR5KPY):>`C\9O%.[Q?%V'1BW,+$7^M\VD%05>&8RJ]!Q)*(D
M(?S$+@U?F!0,G4->/FGF*I81]W&T$?]>7/.']!N79R?FZ2:6AE9/S+?"(94?
M+N?S>.,%M\OBGK9:L*AR\LR`G&S,"O`Q3U>CR@>\XD.8_!2V]3$L^QPF/XCI
M4W#^67*^+3[-/JV8O`T]?D:T4B7R60<2N7%Z1<-1O.!2SWKFV<TX4MI"'PQV
M1;%5M/"7OJHK!MI]H,L--/J$'\6BLOBW&JZE/"<+)*D8M^6YKW@CZQ0W/CHP
MK6/B/<3GC-"G2O\SDXF`C#.?'3G44P!5B)=,J\7#_?6WBPK2@EX(JWU$L9@#
M=//1B%[S)8]CM3%0I079>[O3C!IMF!G8+H[VH""B>).I=[.$XD[<SC3#1'QH
MWX[\2M7H9R;W5S=S<*H<+'_!;ER_-<-D=FCH3AP\>$]4T54#II=$>_U\4^P(
MDK&Y>79LPY?AN\K]8F1/>'[]7^![XF$QNW=)/"BF^2YE>=%@%*9^J!8BD7A'
M?7QRP59>_+M\6_Z7IUO7">;;A^5Q>"]\^;-,C!`^OA,SCSRI_I#-(**F=EM+
M=M+\HKBRQ2O.HJ]COO(WJ[_(K%_9)H?\2/S6O5&)O#<J*>^-^O]54%M?,6D<
M5%0C=!V?AT&ZL+@S*S-<<B!]T>`]4?]7#9QZ5MK7D3+QBRS#=@HYE#Q(,XSN
M[=/)]5?J)D]Y/;R4A*XW_%/Q=*(M$>_E_QY**SAX3]3L50.GAN"(_I6;8;*J
M:L6BA'M1FY75MQ0)U8!3&58U8^K@G/#>@1."0U3Q50.FIT8"2'BFR3TR@'R<
MG^?TR9FG>$IR8/)!5'C$?TY0193B50/&5M0$G"X?\Q/?=4EWG9'A-1/JN)Q.
MAK^;BW7>)N"WRT+80,S8$!>BP*X:./7L=43_RC/6>54I=%<R.C9].3E[(8HX
MXB(GP"%JW:H!8^,,@2`XO"3\48G8"RZ>Y@+[D"#:,>(.)R`AJL*J`=-+'`(K
MS4\4>$%0'#*2RD"C,P87ZH2P"C&KG+#:7>\74DS^SJ5>G&1/Z%DCJHH#ZR5$
M.T9@H(4WOO#Z!W.B7*P:./6L5GSI[2BO>,&^NQ!)&+&A.7<156#5@-G@T:[?
MU`_-ON,0J1>QIC'']:CJ;J\#=7?7?_B)CU+J+`;2/".4(Q<7:);27`WM?[2K
MD3FO".3?E'%\\/A6"P95&>T94$:/ZV*!#?H,4>YUJ!I@F(!F'Q],4(5><@4?
MJJ;:ZR!G!`VG]KMDZN0Q)MZ3Z\]B5W[RQ,6R<2$6FPZ,6I@<"[WK"G941;;7
M2I%5.X_WK4)4@1.PENU.\1X=V%:BF4@GXH0;FJO<DM_$3Z`\UU+K<ZI>VC.0
M6+JN$WKN_#(!-)-%JN-^]CV,J9_0S-UYF"IQ]EI)G"F/]S];J`+MW/RN<+-]
MYV(*);1P=\ZERI"]#K;<'O+S3FZ[/7DHY"%S_`2,3)";<KG98TG.D(NDP\4.
MSJC](SR6_Y3?KER`B"]9O*Y_PT6V<=>AI+J:\W6:3R>EMJ:9JI?V3.ZB;3]<
ML7?:,?3;,+">&50SD.[QTRF3=38J-@SO2?$]Z%%5RYX!U;))AYHL2\IC)TY<
M4*&92N?@=)(GB0.J'-IK)8>>=D[#N.AH?KLH#WA<%#G>D_^>\P#YF&8,D;-"
M?I^J)_=-YMPX:BA$Y\*+<C3,2'5B2.QC"C/TR-%@U)ZT26Y#;!O0/_STZ6[S
MD/!_;<3WN^9+3_R.F\6=^U3YN6]`?C;0_U+@J3\HEXAU5\WV3?D!K/H$EG^$
MBQMC^IA\#;U\%FQ2M>V^R4L>NX!4G5V(MR%5"G=2-A2\R`,6LBV^L`\?)F)#
M-YX%?%2%N]_!GF.3#+;8DZPNL3^26?O+O#ZFLT/W'W]>)EOM%NL8N<+Y5ESU
M].'E*O"2Y':YG8ZU%DJJ!-\W(,$?T;]RIW+^(%`^\:KE7UF;?7AAJK[<HZI=
MPB>;L(\-)MY#!SF!#577[[?2]=O>EDSGY\$33[EL'8FG6C'T%/3X8?F8FUTE
M\O#"Y@HG;&^\?:"P@`%TG1-`46,)_0YB"02N[C7QX@BV=L0:!Z8X3+V'3J2B
M]=5[D9]WS^/5QQ^IO)0ZJD>(*N#W#63`WM./W2$G+\-D(5:6LN]I3+6'MN[4
MTU2QOM]*K#]N]FGB\G7N<G6LG+OC<DR@AT;OU.547;[?@2[?P//Z/)"ITNID
M`0Z">JM&D]_)UG3]S8$Y`5.WH>/,;CA+\IU8=2`-J#+WH)7,W6R6:-6SMIMB
MDV)7K'5`!IC*#1UB&1"J?CUHI5^WV+)T%"7.^!Y3D:&M+?N>J@\/7-G[7#]8
M[-O;;'\.&6!Z+W3+T9C\@_N/3RE?Y%/UEXV<6&^7=T_""LGM)DU2+UP(,WT0
MSVCSRW!Q[0<;6?Q`-IH!5=L=&+ADC]C7`IVB&5:L6K.&Y&-IUA33VKI@JC5U
M`"-OSZ7<-@-,F87.<PXOJDH[:*72MIB33L18@=8\6JW$NC?)N(JJ^FHIS+TX
M5.J_6#EO%?VK?;`P[1:ZS3FPJ#KNP*2.>R*XKGD8K<3\)RSM`"B8)@O=<'Q`
MTU_Q:[Z.$C]->N_E_]W&OT3QX?#D@*K`#EHIL,VFL(.]*9^KY;V@14F6%66W
M,9.%W=I.,<"44VA\"P!0]=.!R0W01Y+POXJR%QH+]MV/R:G0]!;<3Q55!QU<
M*MB8`GW;JQ)&DLUJY<7^OXLMH?K:(ML4FP5:>)SZ2W^NKIT6_UYD'Y9E'<VG
M$96P4;Q7LI7G/W?@Z0D3;J%C"7=5)D]742!OA(F]X`M/Y=[>6J"HDNW`P!V`
M:`^J]$/)$ZO>9?G;]MV*":O0O-VX=4@54(<=Y)W8Z^:=+?%A]FX69A4`S"L`
M,JU$IH^79[ZC1#[-;L*%?/J(^<*7.Y#6,F40\QYCKNSC0+:*(::R0J]U1`M5
M31VV4E/;ID0\.!IH,(2.C`9#3$F%=C[Y/8UW62JV0X^40ZJ&.C20D[=AGYK<
M]9I7<4G5&F*B*?2#-2*HXNBP@XVO+0FYG,^S-:-&AIPD5#,.S`&8S@G]<,IH
M2[$KZB:<1RLN+)FK-OFEILWV2`^I0N?0P'94:F?W!FS+C:I94VK0*=30O#7V
M6W8JQ"458XCIG=![[@%&%3R')@7/4Y%60N5G4,F3E8^A.GBI[NXJ-R+F!RB7
MU1W"[F=X'F(**O2K>^A1!=9A!UM<3T4@?MC#;\5EL@4F.*^\PZ4#DRZF[$*O
M$[;-Y1?&?(KB.T\N38K;8N1IG>I?A^X%&E*%WJ%)H;=M+ZLHST.J7:#CSJ50
MFKET+DZY@_9$7%`5X*&!'!C'XE#6>R<JOI,U657X(CNL6[W@SAUQFA%U6DZY
M^?9$M%#EW6$K>;=%PKYCD5&I^NS['Q-[H;&M^W]$U8%''>C`QZ+P2>84"=DF
M5"=PLHW66SD^+Y1TG-U?K\)$#ZF6QEB;AHK$\W*-$W)?O>UE">??I=&[E2=/
MM*8O+!2?F,:>C$?97\F,,`D9.OQX!G/U1-_!J)(]?XN"0-C^NUCK'5*51E1E
M>63B`K@6'=LG)>6UF*S&\GHN*8XC3(.&'K$+"%6('IE,]G`,*5?J!LQ$!J/5
MW93:H[J^JQ=>66&?%TRAA@ZRRPM5IAYU(%.?;(#1!A8'YAM,KH;^.!J/W$:)
MZ/!G]8/X&@7^_.4@$50U>F1`C3[0ERK(G1633F9909:5=&H>P61D:/;.'4]5
MB4>M5.+CAH+7!0(FZD(W'`U"=3+F7M1,KJ.5Y]<>-AU1E=J1@:VP:`\JP;^\
MR$"]RW[+WG?`L9@H"@W<D6.IRN>H@SO1]CKZJGB<+*\7][6#G@\O^I46LD,_
ML?LG7ZP8D_R\1/#"-HF4V[.]3TL_3E(6\&<>9/N?MEK/UYE_TNCZ6Q0LU!&,
M+";Y__SI`GW[(A/3Y`&S4)?9JEHJPY-L_$YMS'R1'[_O<QQ8I&`R+B3J:)*5
MQ>1]\S%_DN>_GWD6<1&KMER$F"NWB''\&_<"J2C\+,A(LC'])DRCC_GYF"\\
MO5W>>S]J?P94H7=D0.@]??>+WTR&XE;31;1]MW$U21;-,]5^,6?*3V#%1\BM
MH3*%E/@4^UQB@C%T\3EP29641R;OHC,'J&@GEMN.V)L%S_YZJRX7$L`56]-C
MKBF1OD2Q.`QGGS],L(:N/`/^QE1)>]R!I&T.P_M2T8Z+$?!1U/R+$I&RL^)/
M8MWPP+E<&LR#S2);2'@LX6M/Y:P27V0=A3S+,*Z.9CZ)B9S'R9\9_]=&ZMP.
M9N4>8VHW9.'D``O[:Y[YQN5&X\5]]#>^>.3)[;):#=U(9W+_,;P5)LO.GQQ$
MF:J.CPVHXR8-T6"REW/VUI2>?Q*[CUCV67)*UQ:A-VH](#^/51_HTM0_QF1X
MZ/KS(I<JVX]-RO9=("P!>Y,)]V_5""RG_XQ4,>\_9:1N/?FIVPMS4J.R7?MX
M8JH_].]YX4F-$HP[B!)T06FF*Z1\)>#<.D^5$2N?[XO[TO.KU%/OA[S8(XGF
MOH+YN\R!KP)9XIMZX<N?DQ9PUZU'5#JT,U^/8-$0R)V)GTT683SX&Z#&1<8&
MXB*->]5PI9!5<FJVQX(ET!<6N:"&3<;M;GMLOB6L-1S2[?.,`#FBS,4(N\FF
MX&R'SWP+&S5;O\UW-=OG!(NE0-]8Y(0:7QEWL!.^-3*7V=5:,3A=K(&$P9/O
MA<\9<G$^PD(XT(<6>:*&=<:MPCHMTF,9'G>VT+'/"18@@;ZA'4/]$J4\N8^]
M!2_V;&JWD5R7ITT.1?C'U!#(V$`(Y)@.;A]95I69JEUM:=^Z>*IJP:7P_QB+
M84`?N8$.-4HQ[B`5-1VE4*&4*I2JG<U;%RQ6*'EY$PY,5E@T`KJ,L-\@B]!<
MYY&:FU`8^%E\?)Q</<G+B/3$='4(3:B!AHF!)-2M>@9#5]=EZ.HF9&5-EE?5
M<X1:9V2""?[0)Y89H2KX$Y.94XZ"!5)1#2QB5;/V_(7X;R1O1+$O7DXP;1TZ
MQ3(D5+%\TD'"ZN-8>5++6R0N7CX?"6*B6*5NRF]2\.6)'1[*+$[9%<,Y;?.<
M-BWGF_V):H*)X]"?1_-U+6SR+)SPS"^3A*<RM8GO/?B!G[X<R-DTH4K<$P/)
MK`]WISH(7)1DJFB6QZ<H[$Q2MPFF\D+3V_`_5=Z=M))W6\X\1X'@*1!43*($
MP95\7A-,UH4^L`$"5<^==+`-OCD/]7G_%CND)%NHR(VK6=:_E9>DXC]%39>R
M_DTPT1<Z\/CEROQAGITUJZ6%JNI.3.R:+[]V^<1R]>&*_9:]9E_XF&#:*K2D
M2;=1Q=-)%WOBH1NK^/!3ME>\V*Y^$RXV21K[7J!^Q5?1:L7CN?SG!R_\7=W4
M^>2''GLC27CKP"\7DTVA5TXNK^<1_NRBF/F+6).'2:!,?KGXYR:S;2%/?U4+
M[-V%?"U25'%UTDI</8$>3[>%ECE`[528YTW)QY"B+>:5C3GP?(M)KM!SYX0=
M59B=V-@^?CKT9.Q(ITUNQ*DVDNT<%7)SQ]@$4V^A7\\(RBE5ZIT:D'K-L[AG
M<TTQ0A:?PK2/8=7G:#MO6/99K!2;BT^SSNL44Y*AR\^)5ZKL/&TE.Y]V;\;I
M^-4X5!L-19\W@1@VI?^SS1EQ-.?9Y=SEF"O6H,GF(?$7OCS0N,Q2*8IU9R*^
M>O:<J%:DQ;B;[T#<'I73B"TWH;H27-0L5Q'R8[8D3U%<5-;W5MI?R4XQR1P"
M96*CR*]A#`^['-HW,J6JYU-+6\WW]E9?#FS*@OFVW&(Y8)\53/Z&#G&'%:HH
M/C4@BE,1.;`%MFIC^]R,0WMBIYB*#GWE#D94;7W:2EL_^=;'1EA5!PG#[3&H
M4&K4L<(C3Q6>Y1;**:;Q0Q:.SW_EQZ((WZ_T3:ER_K25G-]L"-OZYN7J*WO1
M'9EVBJGKT)Z&_4<5V*<=;)M&_?FA2.BMCOQXN7=55C(>BQ^Y#+$X\"/%M'AH
M].,O3JKZ^_+%6QU*5C.E"O/35L)\LY]K31_*]#3:VTR][TXFHBFFLT,C$^*L
M0>H=^`53A?&I@5W'VO>N(N?B)8=&7TRJAK8TZCFJMCSM8-,OXLERY-5.$&?>
M%0,U^RR&81<&7DSUA18_VK_9A=%_X\'B)ORH1)<J>G@GEJ1U3I]1M=N9`>WV
M4&<*SV?EF"PH=^1F1?7L!K*P==?/,`$5VKU[UU-ET%DK&;1%"+.E_V6B<1GL
M`6(C2YSP/R890N-W[W^J-#CK8&/MD2BH'3`[(-B?!&:8(`C=<#0)'Y=+/I=;
MO-"HP*<H5ED0BGC`H@@(+`XI.C.J,#@S(`Q2.UN04[93%Z23^?)46V5P;E$=
M!5F\=4DJG&%2(?2>>X!1)<.9R>VXIR=-1;BRW*;5#H:W3+R290>Q#Q(FYD$O
MN0<25?^;=;"=URA/^6EJ^>INEAK)UW)W[U:U+SA7JL4\*EY,1"'U,.4E62);
M^3(O/U"^6B6R\90(OIW.QJMBP"J,JY+S\NQN4"\I@KW%!\DOOQ"?]Y,^\&:1
M8*ZO[41-*;RH#VUT<-R!21_352&G1_^4?@V]3?J47;^CPO2>BJPGV46"^Q_Y
M9U2Y=69@/W.3#A4_`;WLO58VOS+$&7EGANFNT/IV(*"*L#.3=R4>2P/3<7`(
M!$RAA1XX_F;7;-`MAG=MKZ2V,;<1%50==V9`QVW=NYTMRWMW3;DW:&":,/2+
M`ZQ0E>.9R5W)5&@.[>)T:73!5&;HG>/#>^4%Q0]>^'N\6:?SE_PJKB:@#-\3
MU6;5P*D'E::=JNZG*,I_*,L7-]`X-H1H]JJ`0+Q@#PBB!JT:,#9R'$-&<5M=
MQ49QTZ$[XX1F-1V+$^]BE8E3FT%`%*)5`Z<>%?`N;.TJO)'O.O>+1S1FQ,)=
MN9:H'*L&C/V^&_B8*2<[Y%Y$X46L3,@B%C[>\W@E[PZ^6:W%\]/UAM]'\I\?
M?V19^VI]311Q50.G_ADWZ$^5$RQ\9+)L=G-Z5IJ)XC)YOGJIJ&&?`D2>1>QO
MA0*B`JL::$#!+*,@Y(]2`=SWB_^2%6F+0_9V4MQ2XQ@`B*B(F-X*`$1-435@
M6H)OP<%.2@T_&Q;$$V`@VGB7RO%"78V><Z+^YGD;UM5GS9@Z**<3'BF@$'5'
MU4!S4%KL/VDS2B3)1NX^RU*L/*3V'8X(C(BIK3B<*"FJ!HPM!H]T^O8H8-_]
MB&:(&-Z*^XDJH6J@Q>^]>>K\%J[_*L_$\D5^2E8'X7,)@JQW(1:-HGG[/""*
M(.*)XS7DX@3P39BDL9IE$Y6D*OG'DS]_NO+B^,4/'__N!1N>?/S7Q@MNX\OU
M.HY^^"NQ*OOD^;%Z[T!&XF&/JASV#"B'I^Y\*3R7QZJUAK-,?PE33;.B;98U
MSE3K[#9F6OM,?D!6P*%$V)HG-"2A?]U'DJI=]CI((V`>T3R;W#**V7>%YKQ`
M\SE#DRLTQ=N>AN92HJD*%"<BF<QIJK::J#_DA@_QOOR^%[+)7(C5LW-?R#T@
M\2:[+90+6Z?95I4YCU.OO(DB^WX_J6U\XH6DR']WH9;SNU^VYCL^\+FW$55%
ME1>U%29YBN(T&^[%)RTV<7Y9M:P0^_+K,76N4[P9>NDF=N!1H(>)OA!B]W]W
M5+FX9S*E@?L_./L@8A(U].KQ)TV5@:2E?;ZX3)6.>R]6<<T)HZK6/0/[G1OW
MJCQAG'&2UV"7:7Y5AJSDZM(`4[>A-RR20=6X>R8W*K=&!`PJ\QP6+\UGSU3"
MXM+8@2G?T"O'/]]6"7$IF%!%\)Z!-`3MNE9&1;0,P6<UE&`*.?2+;5"H8GFO
ME5C>5A([BIAJ4-&S2[L_LF!*.?3/\5ME8K[P4VFQG7V'^R/H/:I*WC.1(F%_
M7\K],*H8*\OIF_N=B:CW,,$<6OWX#1-K'MY[/_Z3>W%R^<-/:AU-5<=[!C;<
M[G[Y<F^$>%VEK53OB'%?O.>`*S'Q&]KU)*[<F]ADV*-JW;U66G=[9V[G--EU
MIR/Y3#0KZ`X]G7K]T8L#,3FELMO[A^$^57_N&]"?X=<OCX;E[RB'NC/6]C'I
M%YKV^$69ES;S)E6Z[;>2;ANNSW>^?+D"5Z^[YDE,3(1FI3VIW_'Y)A;+QW]G
MJ;OO^8_T@VCB]UJW4I7!OH&-I'M[LJ75L)U2[#=9CJF"#G@<4^V@Q3OV.%6I
MZYO<7WJ\Z^U[&U/BH+4[]C95?>MWD%FTD=/OG_RMRV6CI99+.]?BU$&E)8_C
M+*65)UX0#T_LC13^^0]OM0YX760L/_0MZK]EW\7#-G]X4=&NK`7Q5\C\))&Q
M@B3_HO+T=R3>\>/%NRRU77:<.XJSQK+(F59:!L'F42#/7\=YZM/R0ZKO703?
M9+K4+`ZFCFZ'+S+;>!K[^?%,>6](UNGRS+=HS"O/COOB^XHWRR3CV_9:1XFO
M'B_S-.;R.Q46J[[*CGV%`9@7)%'A!;[(OF4L`X^R?.6=A*V\%_:@$J(_^XOL
M0/HJBGFF840A5S<)9P;D:%+T"WER76X5DO^5A7Z^O/RZ!<##/[.C]9EE5]S^
M/</:KT4?`TZGM<)+,YML(^I3M=6^`6UU?U?`3<)%,9FUS*V-Q7U,-H4F[]KG
M5)FTW\&>XF8,W#_E.QVB3;H,HN\JCKN.^<K?K)BZ'CC*[O@ZB^W%?4PTA=[J
M&A>J9MIOIID>=P:A&2=?=Y#8<KQ]OV.B*31[UWZG2JA]4Y>R-9P?7-M,WL<$
M56CEKMU,%5?[)M,-M'>U8UO(^YCH"FW>L=,'5`%VT$J`;;%[O.EX?EX;QP>8
M5`N=<#0%7R*5O_,V_L;%@^SBD2_V2[8#JF0[,"#9UG6BO)\HRG(0RXW991%W
M1-P!)N)"0W?G8ZI^.^@@(^TAGW^J=@V+'[>FF&3Z3';S2Z6<9*+%=_%:&*D[
MV"0ND51S\M;M4X()O]!5Q\\'ZL3-[5(?-6]#_4S._ECK@*H!#PSLUFS:J>W3
MQL7"KUSH(^=,G0G.#C")&#J#,'J$5^)!^<"0096$!P:2#FQ]\VHN")E\U:'A
M']/WH$&//Q!0[!"[7=Z5P^"W?!2\3*[*,;#6N52I;]!*ZFN[T[]I]\H<Y8?F
M`OM$8.H?]()%(JA"X,!`PM+6(&@[9L6`KV'Q3</BRB$L,)4/NL(B%E3!;]!J
MD^211_':8J*"A'X6+]+.HFG9DV6@2_S-O?G3P>!8GL5"9DO.:FMKT.RF]-7.
M@E6M3,7GK\7:PT]%S0L9E1/`I&JI$K/Y)DFCU874I1\XJU:N[_*EJWU]>H#I
ME)`60UK&9S_D*G]4+;=4P7)@8,]GPSZ!H-:B"&KY.VHU^TU6RC)I.;#JP31-
MZ`A#2-S+^'PM#E1A<V!@UVB#_C2/;[+?5`4'*,!$3FA_0Q3LVP<^I`J=0P,[
M30]WIPT#;NP6'V(*)[3^R>]5EA<*RPU!&R](#IT/&E)5SZ$!U;--QQI<PRVK
ML:*>2T?(AI@\"CU"$3B*Q`69*921;L5R2RP:P\?LM?K+3H9#JEPZ-+#=M6FG
M-%FD*)\#<9$?+BSKE*\[<,629C,=BM.IH60HJ&KHT.2.V+9TY$-$ZOW(-M\E
M?G:'37Z&,(S"=R4],7_FH0,'"8>8+@K=8H\0JF0Z[&`7;5M0=K,T8MQH]\-F
M^,AG7O4PG:,C'J3C4#[FBB>78+.00T^562;+M>%G<1I5_[LOM\2N^=Q?^MFF
M4+7]U?L1A='JQ?[#[Q#3=Z'WS8+XA=<O;JCR[M#`3LZFG3IF_A+5[$.!2;S0
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M4UQXJ!EA2BVT>M=NI^JS(Y.)2EOZO\'DX=CZ<H0IM=`G74-!U6='K?39DT\E
M&AN7I,GB@FE/OP[,')AJ"YU%BP9JSW*Y:?<M.J@Z[<C`UM;Z;FP_?^JR6#EU
MN/#X,<)$46CJ+OU,E4%'K630XT:$PW[?O[`LXS6[3R/Y-C.9]$`*6@E?>S)Q
M>O"B;5CS0Y4RHK8-)IS#'Z/8`:UKA,FKT,-=XD455$<F4XP>Q549`,Q6'#D%
M]GV/Z9S0_*?V_;[%!E79'!E('EK?C093B!-/&YAP"4W=I9^IHN6HE6AYTBD$
MDZZ-3A+;CRD.3!F8(`H]VB5.5#%T9%(,;<C1UMS@VJ,IIG)"JQ_M\CO_,?27
M_MP+TROY9,9CF=/++^ZGK_/[F"ISC@UL/3W0E_)P556,;9=SY\#=&%,GH=$[
M=SM5GAQW<)%50PQNPH7_["\V7B`FAT1C8L%C_]F3&=;8?*N^_0E@C*F7T"F=
M8T&5+\<FY<MC>#B+,0)3+:$KCK^&0)W9XO$U5R?#D@\O]Z*%SX=.*HVILN78
MP"'[`WTIKR'(B[&BG#S&)DNZ=3!IC"F0T.Z=>YXJ0XX[V"Y*)J$"P3X'F$()
MO7`\!V7*V+FZG^/!"V0JHF3OT;0Q5:0<&]BKN;<GI<_+0MEU)!_R0LX<11MC
MDB&T=\?^IJJ&XPZV83;R_]<XDGLCU<HOYO/`2Q*U!LCNZUSJ&92S5EC13):J
MJ_H0]EEF5%;QSF\[N98SY4*_*TL\G48,C#?V8<,T2NALXBU'Q6]LWSG',56;
M'!N[V$C_^CMW&56CAQN'&,>8%@E-VX4_J1KDN`,-<H]_:X<!^S[&!$)H[A-,
M$-OFV9]V:TP5"<<&#JOO[XKN:Y8]\#'PNW8EO=88TPBAT3OV^H0J$4XZV`G9
MG`)'?_$33"B$IC^Y[_<+0A.J3C@QL(UQ?U<:_>)=D7XFF`X(C=ZUUZDRX*2#
MI)S-*7#U%X_)?M#T1_O^NI2_M314U8OJTIHO47J[7(H_+A_%,)FDA_-N3:BJ
MX,2`*DCK:L%*54&_X/B6:2VQ[.HFF>0W:XSEK;F4NVV"J8K0;ZZ!114=)QV(
MCJ<!;3M?L!:F*JZ!*G8^E&G8V"84Q9C'5EXB=]"&/%7'C+TXEOEUY)>\8`^;
ME`ESSF5YN6<BR]%6;9?PI'`A/E%QZ^7<RE<>`O\Q$T=$E9BGFSC44\55F2OS
M.LEF_E3<\V2?=DP[A3"Y1CM57)V8S'-Z\O$TNW]+'5]6=>Q3@RFPT"FFJ"ED
MPY<CR*'*M!,#^5#IW3TP"2^9]D;9G.L3,::\0O^Y"!E5J9UTD%WU=-#53LB!
M)N]W.2O+;`ZQ__B49C.RFG_U*5D=M=F:CK5OZL"<C$G4D"D7P:=*VI-6DO9I
MY^7CAEF=<9=F:$P"A^XYFJ%O?O+[QQ]K=1?GY^C[`46$JGQ/#"C?:`_*_#/B
M35:\R\3;#HE>F,P-+=R-9Z=4=7O:2MUN^8/?[V*^V*C;=(O\/S+7IA>^_#D1
M<X?P/B^\GS[%T>;Q26Z15_=0.G3]P!23O:%/CI\IHA5/4G]^&2X^13'W'\,Z
MW;`6$*H$/C4@@3?O5CG@YS68J,+R.OI&AQV)W#X8F#(.?6$3#*I*/NU`)6\/
M2KUBSM[\^M/=3VKSB\PU)?_Q5MM?HP[DB.4JV!ACGR5,:8?NL\D2556?FDSA
M>AQ$1?!MEZ)W#&!DGQ!,,H=.H1W(N@F?A1GE!U:7@1Q8G%`U\:FI?`#U?=D^
MV5>5TR^]<68I.L7$8VCUSOU.58>G)M7A5@"XXVI,\86&[MS55#EWVL&NVU8>
M]ZN?O':ST'<_?6*/L4S\OPEC[@7^O\6"(1#_=F&!@`FUT#/4>R&25,R@^=G5
M:S^9!^KQK,SKV3MT-<24JLI.39WM;]ZWW=LADE0]D>0U65552Z;\1NWN3MZZ
M=%/$%),XH8..1N9K'"UY(I.8>\$=CY_]?:M'JF@Y-9#`%.N`MD&_?(\5;]IW
M*:8X0MMVXU*JX#@U>1Z_L6\39WR+:8[0R)WX=D:5'&<=;*C=Y^+[)XZF#5UC
MKF=+GI^8R?)TB$)S64B,ZT6J#_O/?S-,AH1^.GX?9K1:;<+\"%(]&%2I<69B
MM^W65R\?\+=>M>\_3"V$YC3M/ZHB..MBWRSJS[J?]'RKM/H9+[S4<_17C.E\
MT"G$M#J\2#]3SP%5S9L9V".[^^5W,F_Q,N.6`[]F3(V#1C7O1ZK\-FLEOQV5
M%*G.H5HF)`<<BLELT+KF'4K5U6:=Y=V$?MV]468KVU5^<GDE'I]Y(#Z$1YN$
M^3*Y@5)>_#!??>7W@F0[/41[S[XH&+RP*HCCP#".*770=4?3\HL7_\ZEL'`9
M+L0R=Q7E[L&1H>IS,P/;+=$>%)R4;RIAI7S;OELQD0V:MR.W4J6TF<D+@!KZ
M5Z[&UN[X%U/$H)T[\B]5$IMU<#1]KYNUX=Y;"#A27ZVVYU&2)L658'(W:CX!
ME)>`O7!/:O!Y"?F*7GWIQW)[J?>[F`+6@3?G#@SWF.P&_7>",Y#?^'?Q=_WJ
M@*JYS8P>;\^_/;)/(W_'OB<QD0U:U;@G1^^)"IMJP-CHOM>EQ:Z)V`V?:I:H
M?(K8MP.?$L4QU8!Q<:7.M3N7U:I1/+O^4163T_AC[,D+(OVPN``R(R%Y\M?%
M+_RM]=%:LZ+.@XD3ZP=D]-%[HMJF&C`W7.^*YMIX[4K$2[.`[LP39IYL[DRB
M9*8:Z&#$QKQ:#-EEQ,.9N_4TJ^@./F&"R>8.)FIIJH'NAN]=/VOCMQBJ4Y[M
MNQ<KZ%P4GT>K=>"KUN*7B@1U$_DBNP^ERCIG7RK7K*F#<3I%[N<@>O""+SS]
M'L6_%\;\ZL5I**?&3(.J186HTJD&3CVP-^E0`4M6EN6%R^&>Y<594=X^!8C2
MAIC?#@5$X4TU8&Q&.`4.ZQR'V!D<$(4.\8,='(B"G6K`]/S1A@IM1BE%^3+3
MAA+S<6X*;!)YQ]XF42>6Y2/%Y8K',L^Y#..)AA/V$*LM]M[*OL:C&5\GZW3:
MX'WL/8L/BY.K)_XO8<EOV35DN<UKF2**A*J!4T\T^[M2QNN+4BPOQO)RQ>1B
MW^6(K(=8O&N7$S4^U8"Q6>58WQ>W[L6N^!X1`A'3=^S['E45['6P[ZX9`KJ<
M5-(PQVFP/_KW,`T1>H,6_C^T@.A1]<.>@<UU6]]\>P.',P\)/4SQ@]8T[#VJ
MV-<S>3/-'C<ZL[CO85H?-*MA-U)EOEX'5V&CWL26ZZ]FRXUF5AV.T^F$/V\\
M\322\ORBAN3`2:=1CZH6]@P<?*WK1/F<7[[OXHDES22ZCT\H^;7U,57FZW6P
M&:^YSQWX$6-J'K3RT0XNSOYOXIB'\Y>?/3_\'"7U8SU5P.L9V#E7TX<R$5R1
M&"5_G\D"3):P[UU,G(,V[LR[5#VN9W(#74,WSPLW"P>(ZO+DDCRNY,QS=`^3
MS:#E._,Y52_K=;"I[H#KO\;^2H;HEG[HA7-?'E03E54'V=Q;%^FTLMUS,5]'
ML7R47HHA/V'>0[115]%OPR-S[+$W\BC[6_8D'L;9`^>R$;F/PXG%':;$05\2
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M34;AP/"-J7#0K]144ZN5K_J>R)R-^XBBBG!]`WOM:OJPFSJJ?#_+:>O$&(%)
M<-#&G7F7*L'U3>ZA:^3FN>9FN9_)C:D`T^*@L3MS,U6+ZW>P-^Z`MX^/KV&$
MN!QKZV.B'G3A"?;DJ\O+A9W+/21R&N3)-4_%<U%RSW^D8O(]&*?I4U6_OH%=
M<L=V$CF-DUWQ?JFN>"^VT&5ML#=Y*T[%\?J8G`>=1#EG_>B'M^%-F(HE6I)^
M$S:Y^^ZMOT3I%RZOO:D%A2KP]0T(?`=[HQVK%P79;<B*HDR69;*PNF<J*V[?
M_9@2"$W?O?L'5&UP8%(;?'4<##`1$?K``@=467'0@:S8&(?+[.%S'27Y95U^
MZ*<R;+3*.)&/FO)Q-5:/L?.`>W%V$4*&3BS1243#21Y2\K.U2:@^9.N^+^W:
ML2)7OOW%R@!3&Z&'CQ<]_,=0K,OF7IA>/<E+TV["7T/QI!^)E__-%_?>CP\\
MY$L_36Z2;]Q+Q-/\0_#R-1*KN8>`W_/5.HJ]^.7:7RZYC,;5+Y('5-%R8$*T
M/'GW2^FL:IEE38OQC.F-,]$Z*YIG-_($0?$!K/@$5GX$TS[#/I68E@H=?`Y4
M4B79@5%)UAB>6R"F`L2'O*&+,IXCATE_M19K;I5E4C0Q5X.C+*V&U7<L+>E<
MN$0G)A1#1Y\#G52]>="%WFP,4A!DS.X`]67:CA+>[]$F6&BPJKD<H54N'=+\
M;(8*5J+P.C#C8P(U!.%H>C]L$C_D27(5K1[\4+FQ2OI_2(L84.7J@0&YNE&/
M"J:*PDPKK=]ZX)#0,,#$;.@!2R10I>U!!_>FG)(,!T8&3/6&?CB:!W6M?/))
M?.A]O$G2Y+,PQXW4>VL9H.K>`P/WH=3VHGRB5`4R<3LKPGZ3A9@JY<#/'M.G
MH:F/=W,01-_EX^VG*/ZF8KIJ9[WX,Q)K3Y\GM\L/WN*:/Z3)_?6W6M]35>F!
M`56Z7==*((I:\EY.IM5C545VNV2B*OO_EW=FO8W;0!S_*D2?XZ?J2!\WBP4V
MQ6:SZ`8%BCXID1RKZTBNCJ3^]N60.L.18FG,(]@WVZ$8D_,WCQ\Y,^+9#7_8
MODPP#*U:Q;9,J$SZ5YW^WE2]`'P:1J`:U'$Q%$\^$`_?-CDA'PQCJ]:R+!^/
MRK0]`R[C*U74Y7@H9,$CO!Z'H.Q'HM:G'/8M15[SSV(6\QH94,ZB?JCJ@N_2
MN\"TNR@>'K^*"_';&@@IW,R)"B"H_,U+D585_S[Y=@O[H_M(5NK`+LC#Z+JJ
MAK/(4QQ`+A4F%;)[&KS93VT4/O')<]B)*<^),<O#8+AJ"7NBH")N3Z>3_'IU
MO)[FQ-.N3W`>QJA5"]D3"Y4\>P9<\1=KYLU);2]&F9]N.L.0M*J`U6+\DA^C
M?77L0IV)WIV[LN91R;*GP<%_LA6MO)H";2#'32LC)RXE>ABX5?O9H(VIL-;3
MF<7ZG1L;8[-JAQLT-I7'>@9X[)LV'YSXB&NDCTD&28BYU1L_L%>B8/<-M'5@
MB,?HK&J5];[BTF$Z>^RWF#=Y+`[>1&[`_OSL6Y%`0I.\K(8%8.8NXB3NTXA/
M2HF*=3T-6/?\S>^<8]J:!_B&C>H>W+U@O':9UPDR9P]+L?8_L/Y?V!<EQI)5
M^[X'45)YL[>(-R^-=Z%-G0/IW2?5"ZQ\^1"YD;FG>"V;IZ$&A]ZU[24V^R+$
M2+5JS_<@0BK-]A;1[)4!.$QK<:1`7)?MG2*^&4R[:B'.Q[8;?(>T4S[;S/HS
M^T,'9GT,HZLR(3F3M.ND(JIC"*4RO0CTJ;C<7X3+3YNY\28,'4$VK>.'^#N3
M!:R;UL<0M-K#IDQ+!<[^(N"\(D'+N[0Q1I35KC9E8RH_]DWD+Y\U]=TN!;K7
M[>*Z]+AI)N(UQ<)W$(;Q0P)W]63,D'YO+\2Q=T0<&$%6;41(:E]6MUOHSYM1
MSAOY;E(D5&[L:TAN/M^4;AR`/=/MF`=WV3C^EA_8OW_C8ZQ6[7739J<"6]]$
M_J:39/")OXECL:+K/&Y@C9@6$.V-__IK\);8)U%I/P*@CT%=U1;K0T6EL!I.
M^7JV<YE]Z^:E3\6ZOH8[N#/MZ'</?1$W/7M]#.JJW4V`NJVK=+?5N7XZ<-TG
M\5VSRX$#M3^&>QQYHO8USSX\/!1UM/_.?V[U]`J"2H%]#3%?S]?L_FB@=QGO
M=XUMI:RM59Q'LU&]K#FAY#6SIFHFZ[:O/@P@JP9U67U4<.SKC$E[?AG>Y167
MCSS1!NZ!(HR(_PTN1%RP+,\VD:S'OM@P,*S:SV6Q48&P;R`8[ODUUYTRG,+1
MA+M4'Q*WTV0*<;[F1DE0,R2WYZ,D5VTC6A&IMRY!T4W.LP8QLW*7))4C\1E]
MC#:K8B%LZ<N=1*-)?'7D^]TBAL/(XW7V>YYFU9_\2_`5SJ1JJ039UY+C_I0F
M]32GW+&V.!!:\8`XD3V"LL0SK'G(OAPP0*M:P9(<`BJP#0S<;UXFCS;`=YH=
MZ@H2)(I;7G%2)<43>-EL^>C'GJ-]+<(+)O_6J9"-,T>F`89]53O9$@P5`P=Z
M,?#B@20=#"25&$@.[4#RCQA(GAT92`(,%:OF6*V+3^*7<)-4NWQP]';[`JE&
M=^GA<[(?=>FD0*@,.=`09F-AVSI0)`<'^=S@6@7KGF3?^F"E4,NKZ<B^:#"$
MK)K(NFBH3#G0&05CI7IZD0PBVHY'&?OZP%BS:@WK^J#"Y\``?%XIDU_N^$9F
M'/,X[Y3#WT!X2[X-*JO\X0=<-V]6+.+6^4-ZD/<;=LW8\VH&@SU2,\$EC.^B
M8&.7R/#(-01@EK$J9(5/<I2#D,NR(-^'V=<GAK]5-:P/I5+?\]TL.-O+C?!U
M6=:PH_PKB29/0@(J_PXT\.^YAG0AH09EY*:[+<6@F'UC8_A;[6VSQJ8"[4!G
M!.7%5A=WF-+6ZD<GK(YA9[7;S5J="I(#`P&53S$^O&8ONX3/'XH,=N"B)#)5
M\0<="&@98$A8M<39A'`3`6RLCK-"H$+>0$.4B;F&3(_U;2E'QGJ,DJJ];=;8
M5#8:Z(P5L=CJXD?^U%K=C;$>@Z%JMQNU>DA%H*$!!'J*\>?&^I=TOY=:L`^R
M0@QPJE8@9#_CWZ+,]VDL^@\20-X6<$M0'FQ=)9#`\2[Z;U(05,09:@BM<&JC
M^IQWH_(RCZT(LE"6[1T$^1"$@;6O"0QNJH:PIPDJU0QU1E:@BD,D,)4N$A=\
M22A44;F@"HQ>JJ:PIPHJM@P-A%!8*@XY4F2=9RNKBNB9MVIT&N*63#"(J=K&
MGDRH]#(\C5[^)F62)8\P\<\-'E]E$7WZ@`^S$D(WYYE]?6`0436*+GU\V%9)
M,2</*D\,==RG/:U-"Y8;%TP\Y,9R`R.-JAVL*8(*'4.=T)$HC=%B(Q*2<&(2
MP3"D:@AKDJ`2R=``D5RHC,4SB5-ZP6BE:J7U*&,7<8/"H>%U)D\6WW8/#ZFT
M,M1!*V<:TBJA%&7D*2;7A#R1M&]BC%&J?6S6Q%1&&6IEE"?8^CMF:Y<NX(48
MI%3[W:C9+ZF0\M($I%QN_>N/5Q]=LOTEQB:'G=]\PR^\"/^$O^,O('<U?_,_
M4$L#!!0````(`%I_7$4'14VZIH<``-9@"@`4`!P`87AP+3(P,30P.3,P7W!R
M92YX;6Q55`D``WOU3U1[]4]4=7@+``$$)0X```0Y`0``[;WK<^.VLB_Z_5;=
M_R$GYW.2\7/L56N?4WXFOL=C>=F>K+,_J6@)DKB&)AT^/*/\]1=-O2@)CP8(
M$DW9NVKM3"8"V+]^`-V-1N.?__O'2_33&TNS,(G_Z^>]7S_]_!.+!\DPC,?_
M]?/7I^M?3G[^W__K__U__OD_?OGEI_N4O08I&_[T//WIYOS+3Q?).$ZRGR[#
M;!`E69&RG[X$<3!F+RS.?_J_YP^W/_TYF_@?/^U]^G7_UX.?OF9\WI^NB_^$
M>5;\],LOBYG_#*)P&.3\IS]E>9`7V3]^N@^RC']J]ILHC+\]!QG[B5,;9__X
MD87_]?,DSU__\=MOW[]___7[P:]).OYM_].GO=_^[Y?;Q\&$O02_A#&?*QZP
MGW_BO_]'5O[E;3(H/[,V_,=S&BTF./AM,>PGZ2_@WY:S_P)_]<O>_B\'>[_^
MR(8_STA4S+_`\O,"#/^O(8*>Y>]A`A'\O=/3T]_*__HSY]E/_/_^F281>V"C
MG^"?7Q]NEJ."%Y:&@R!F/UY3EF6_#I*7W^`WOYT-!DD1Y]D#&[#P+7B.V%D\
MO$V".+MD>1!&V1$G`S[QCWSZRO[KYRQ\>8W8XN\F*1O]U\_!CU?.E+W#3Z<'
MGX`E__/J]N'FLK]2$\Q'?FL.PG$;$(X;A?"Y#0B?:T'@UIL_LD&1AGGX=VES
MBWE=T*Z:O1&BG]B/O`B:)G[U%;<@GD"\3=&^F-R>Y(M)$(]9=A-SG2Q>BBC(
MV;"73UAZD;SPGTY8G(5O[#;)^$_X(.8`B/DG:\#C3$K*#8X-'_GV5FZ066^T
M]JG99^[Y_AIS,G(^460-<_D1^R_70IOS79Y[$:$3E=N8SYXPS-+7Z+K:-/%U
MUU?$S*T`V&MC=]MK"<Q^&V#V6P)ST`:8@Y;`'+8!YK!I,.ZV=NTGG``1.!`-
M^25N"#9U%.HNPM;?\PC6Q8)M_VD?P)U9G>V'G8"N>E;NXQSU]$X`%%G.>9)>
MLM<D"W,G1&]-V02A[B)AZ<P-DNW$W*53-TBX"U],/G6#A+OPN^13-T&XNP52
M,K$+HB_Y+]ZXL_#&,N[K_,&&8[Y>G0WX7W`OP@GUVB^T`*/V8H.<OCTH+A8@
M])?:@^5B>4)_J3U8]5T*P\^T`,W9\H;\CA-(\)$\S/D?&_#VE+.[(/\J2&/.
MF^R^](U?DOAQ$O"_O7]T0+QB[D9)=^<'ZC_1*!!G]J#]@@L8OQ=!&L0Y<T)Q
M=3*WQ#ECZO:4+@A=!*0_G-"X-IMC\MRO=JK)W1`/JRF<UBR26HZ8+)JV*8+=
MK6[*V1LFWX6SJ9Z^80`NW$KU]`T#<&JWB*\T!<?9>JZ:W`7Q=TE\P[<+_I_S
M!_;&X@*.`JY^O+(XF^==W9FVP;=:A>8BY6+R,1?@'MAKDN:@"+U7E@:0?7UD
M8]`3!V!4DS=+/$1&O[-DG`:ODW`P_Z].ZXEJ?+M9Z,Z6#/TGW`#)6,K7INLD
MA2,+1Y1OS=D(J76U23YAD^2Z\$X4<S=)NKU?HIBQ28)=;`F*N9LDW:$+I?]$
M(T`<KH22F5V0_1B.XW`$/\KG]11\H;U/HA#.0!?_=``"^1TGD(J7ER"=]D;*
M;[K`A/Q0'5"K'*7CE&<MLI)!`3OQXI_@)'+,^?0F'B7I2^EPV).+FMR>^.L@
M3/\,HL()1ZN3N2#)G8<HF-,A@2YV<=&D#DETD4403>J01(>;G&)N%P0[V\RV
MI[0G;Y4E=F<V@CGM"50D;URX9NKI[<G69P%:234T"\'A0F;RL18@N5CX3#[6
M)"1GZP[^4_9PA+=8SH,(+D,^3ABK4>^GF+%)>AN\W:/ZCF-(:Q>)@FQR'27?
MW8A",G,;]+=U\4KRO28A;M_U:A"?Z&,-@JN)1S=MXY2WI'9V5_PV[Z*?SJ#%
M;`SSWP;/#$&R:*XH3=>F@COTIW"'?N^X1+7^A26=P&(.H`Q9;_D7UK[-_7,6
M#]EP\768W_7YXYR0DI@H&:Q]/X+.`DFJD1?_B[[B2V?/69X&@^5Q300<^*^?
M;V=S]Y&C^Q7'"$_KG%6ED$9!]EQ*JLA^&0?!*Y?^WL%O+,JSQ=\`K(-?/NW-
MVQ[\S_E?][\$Z3=6GC.LR'M@013^S8:_!V$,*;?R?L/3)(B?V,MKD@;I].;E
ME0<RL_.6%TCX2!C@^"O]_0U&537L+%UG6I`.%E3Q/ZZIUW;3AODO?GLM3>Z7
MP22,EIHY2I,7*YG.J4D:Y4>2#EDZ[P3"V3%B:3JW1`7<$NL;2Y^3C&U8+7EC
M.?!G+&=OG!*0VG62/@95X?V><HE5)9AI+,)DJOYA=]3^0*7VIJ#GNKUOKML\
MU.F>9A^1U^SU0^)ZJCV;JW_<'=T^<J#;*]1SY3YPH]S__&W3VVK0"\-T1'%C
M=(HO(8P.,;I_8+6?"(E=?HD-G](BF]]]4M`G'M`_(++>8]FW;10:<%6?A1KO
MK19A'$G<^M@-C_%D"ZAZ4/^`R%*IX!Q2$]8Q57=YHJS?<Z@5Q3,'',9ER+_<
M(WK?X]4B+*)-/JJ_1U4OUODGT0T-,&+AC;-EYG-=7R]C@U_'R=MO0Q;.W#S^
MATWOCO]5_Y:-@VA607#V(Y3IO^"7_8,3HGJU8N&V3LF`U-MR6F;\:5LTSCYZ
MF;SPB$M!8/5G_<--#GI0"QG7Q/JP17[[RF#%:*NTH-B-GGOR5S-/_BD-WECT
MP*+9JIN^A0.6P5%`$$]OXL$7]O+,4L6B9C-=_Y!`\D[(8_'&9(VQ(\KE+NS9
MX-3%)$C'K%RI315I:VC_D$`H).0=2FG$>.KYNZTIB#N7=X,KMRR&=M56&K(]
MMG](P/T5<@^E(A)`U>20EQ2/B[LVGG*9RX/4\R+C$4B6+<F5NV&HL?T3CQG:
M.2%*(Q;^MG]"P$#P_)5G6+=1N=MJO<BE=@QH3_5%DL*98@YE8.5!HW(AUHSJ
MGQ"(%.4\EFN4"L]<MXXZJEM6(:1P]_X]2IZ#")I[L'00!M'"^=5NW>J!_5,"
M<:2<>>+-&P%)M'-W1V].W<6<,U[=L?Q[DG[C!O:%LVP2P/F:D?[H)NB?$H@K
MY<Q4Z1$*VER?#CNJ3^["S*^/%T$Z1&N/Z.?]4P+AI)Q18EV1`NFV]W/J+KXL
M*]OC4H9\<391$LW(_BDEUWF+?6)]P6!JX,C-.DQ$G./7GKM_XK%J#)ZW&A:<
M]M&<Z!D<#J)RI?-\6FWOH+,D\QG[)P26/G>R5$2)EKPAL9J2T)13CW&I@LI;
MS1&^R13]4TH1JZ6,M)D2/0O<I:+IB_S0HUK?)7$XOWZW?@-&`FCK]_U#2@J+
M9;=<0\4`_15[=$R5:Q<(V&-<7"/EF_5E^!8.63R<27"YG6L0ZB?H']%+#>D%
M(E=V)&+[:O?WI?U''J]++40YOSJ-5/7YK_M']%)5>E;K];H*S[ZJ_9TIL;O$
MV%.2!]'\5G]VQW*X/HK14M38_A&!N-&8L^+,"`YL->':YJ6CCNFOQZ-P+KK9
M_@F7:72>=/6W_2-Z^3P]FQ5>]!:XZJEE)Y=?&AD0C_YU<]4K>Y\HN=668E$D
M/?3@13D^<E55\T8\1/:/%<6]T:S"+5N1ON2P.H7O9&XN08]^OZ&Z<NTXY]1\
M<[LV+6;EK"`<2%A(U5DV?YU#KM-)Y)8**HN$I?U7E,#G\9Q4?]%FK)^!0R0<
M1ZT+`G^N(`6Z(Y:G>#7(5>7"Y@=0K21D@SCS7595+#^S0&U&W.8H3AV!\`O#
M05EAA08:L;NJ30C0Y]'PJLOX[!'NF_AKG+)!PO\:KH8&/\Y9S$9AGMU`MXTL
MB?F6.;WGD7'(M\Y9PZ3>:#:$"VHX_[5N;6_FJYR5!`[T4/)6;`=-\N8=&).[
M&NUZDKCZJ^!>N@*&B^G[>WL$T@\HH8B7?W=,\'?0UY9J[[DK(Z_']G\5?%PX
M*EOG#?*[)%_\A\:T7?I%SA4"43M*=$T8@(8O_LX-6[,)CS'NU6C$X(WJ543S
M$.3L(H&76@H>R*V*+37N$'XB#IA`Q(N2BMS#,87KZ^RP-1WV>.JW$@%?<N)!
M&(4EYQ=+T>6<V_P'9=^R#)[9F*E:%"7?H=FZMEJC[@<X@^A%N&(IJJHZW+#!
MWU%D:]9@%0TWX.4L.P1?AGS!XOHQD#;I;.9CG!=="&?WA.%LDRR9&\$Q/2-P
MDV^T:R/C>$.8[<=CSO8IIB)`.H[#H>>R"%F.6+W%X"@4_#<A-PI^286L6V2I
ME7(LAT7`FT!RWTPC-S!2N#/?H!CW/)83\0@EYH3]-PMTS3TJO^SO[1/(U1EP
M5ZY]6ZBZ?L>DB=73XZG.DJRS(I\DJ;I9IGH0!T+`"47R&[%>"L!1N*3J5F)>
M;S)MTH1J8R`;UM^C=&U)Q7`3W:MBHZE]=87F^S91O+R3,&_4<//PB.K&I1G-
MH1$X;\`)0*61")"D%-/=ONSPCE#%#5(5DHM^RND@$!4CV27.[H@A-=`$I1Z;
MW=5N52=7KH_B'W-:"$2><B[II5S%T<!K(_7YZRYU?!6D4<BR'.;7-CS:_C&G
MA8#7K.*36-HR)"2E[:[2YS;(L;+>_&E_[YB`@ZKBD5C28ARBU=M3F?#98`"E
M;-D#&[#P#3:CLWAXFP3+UD6'KE[#TGT(\R86=H[^_K[/=L?+BQ\+@N\2K@8E
MH9S@ZS`.X@'?_U<PS"X#&LW*64%D/S24GMROKL4)"OXV,05Q^)["[)E7-A/K
M^?1+,BQ/)D'3GOA4NJ2TR12<;D*^?2WFB_<.,T;4.X?P+LR]8X^Y#*`.UB(6
M9&PEH&Q!//**&'(6#I5`;L-<./+UV`BX_1D&A185;6N*QQ(%P9+U,+_LL'IP
M]O3393#-[H,LORQ@.W_,PRCB*V!:Z)MIU?\`9Q"A+<!(JG)K<L66KA\6MFUJ
M'@.&A9=04EGQCQ=4WB7Q*TOASCB7+O^7``0=1*L>0`@FU)J?LX=`$&$E4_6V
MY8`K76]]U[:=>3RP%RRM5:<GVUYGS;<PS82<`012EE92,]JR4&SH>L.]MDW'
M9\'!G!J4=Z([-C29J[_WF4#FUTI6BI-A<P[4N)X#K0/?EZ5\=G>'4^<E?(WY
M/X?W:<CE^!I$YT&DN*YC/R''1"!K8"4(R<E(#39TO5-@V];@\Z*#:J4K'R1&
M7W'#S\0A=S$O\%E].\(4/[7[.VUFDS\[?`%8>FQE<!<//PFGG4"H;<YM\2IO
MBIM8>XGV9>^NMF:QP0J6G*<T*?B_#R_9<_[`O<RT&.1%"LW4RKXV=US-9KD.
MZ$M:J"S2W4<X=@*!L8V\U/Z-*\X0ZRG4OF4XK$.R%DV/\_*.KWOY%-+O9\@T
M;*/?[.^=$(B/;:3IVFY0C.IZMI98Z<@^K6SN=O+D?'H1!5G6&PE^C;C[X^0;
MG$T$MC8GLJYY;(GC%(6+WEU2+H]I810$.0#4_2<GW^CO'Q#8)AN0?$V+Q/&-
M0M%DEU3-7?H9'D%^*4O'RP5:6S@O_#VGB%#RV"&3Q2ZD@@<?BFS&8W>5P2NA
M5#Q[`W7>&L6I(Y3D=<APG5)+.$'!:R(6G1SXO`32V%M(^P<$$L1.9"/W71`<
MH+"4-RED_R^9HW::M=]RLBE%NGH.*S1P&Q<)C:LA&G<9U*^/L!W-&QKH=W'1
MS_O[AX0",@&KQ-NP'$K'M>/07<PR[WL!8@PB(T71C.14$HIC!`P4ZPP*59?N
M!!]T\T[PB<^G,6EYQJ<$UEX+Z2FVZSJ<(+%T$U,0ZC?/:.3>3PFE(&K)NO&#
MG5,B*8HN*9?']$6'DI2GA-(A#B7?^,'.*9$D2I=4S5UYGJ.#G5-"^1:'3#8Z
MV#DEDIOIDB*[RP6Y/]@Y^$0@.FF`X>8'.R4G*'A-M**3@T\>F\4TE_,_^$0I
MNU5'-K8'.R4'*"SE30K9_WOQ%OGA`U)OP.LYC#W8.=A\\KV+HG%WV>GW*'D.
MHHODY86E@S"(T)E[]4!.(Z$@3<`^\=:,`47A_9<ZNN,NHG%Q*'A`X6EQ!:L,
M#@4/-E\"[Z)VN`L3FCL4/*#P.+>"@7:'@@>;KVU_N/ZS9+5'UW^-U,5!U8K"
M6^236]AI.-@="`A*B<G=,3-F4-AM6]<"NQ<"Q<F:E`W#_%]%$(7Y]"8>AN7`
MZR057+M#'+[;3,?Q$/(%S:0@R>!8<X'8I5X:VN'.([UC^;_3,.=+U@C>/E\V
MDU'0+!O"Z2+@F=;CJEA[U8@_-%3`2W=>L8SYBTO+UTSY&C9F>'^?PMMN];AM
MIKG;Z(FU%2&AQ7:/QPGQ/$W"=';K?M&1.+MGZ0!4;,RE\P0-Z!3T8X9S>@GX
MPO6X+=9B/'I_[3():[&[&VI\.;E-LNP!%&I=!A>3(!VS/Y.H>%%U]L--P&DF
MD$JOQW'I>HS&7Z.=9:UG``AKLKLH;]4%!9:4\S"*H$G*FD0J)*@TVF@BCH%`
M9%=/`A+-MN"#ZR:5GBX#//"YTS>6E<S+,K8HS-YW=`=`-C_"SG1#^P=[/I.%
MBVZ,<[5;M("<D?J01!'_#]^#="A!:#P/ATO$1<()1I$3-(/<]9<N?&B*Q]+B
M^S1Y"S.ND4(R-1C5@SDP`CN0I3SD]H`!;1_B4GA7R8<)N,LS+N6355R,RG<O
MV;`8E"\A5%(6&28=67-FCI)`UM)2.&)7S`E'NO[PA`]S<9?TM!/A(JL'9XWJ
MK*B3^?L'^P32II:"<FDZ0K[8A^_OUH#VW>5;[039RR?*.IL:LW)T!$(/2Z&X
M-)8*-[K^2(6//<9C:;3L/1+L\Q3:\1P>@;ROI53DL0D2MWV,_LK2,!D^YD&:
MOS^+V-]MB]COID7LU[6(_5K/L\PLXBH>TLX0=R%!O-_D.S'SSU=4QZJ?C7P:
M3C^!=!>>TV)/RQPQL:(D/Y+WV,RHFH^\3(KG?%1$"^H-\K>;0_L'%'ITVXD"
ME[P5(_:5NJ6CS`X;9F_$;>NAVJP.`6Y;").#QJDEF]DY6@*QLIV,4*&R/5.(
M%3CY,05W!4T6<C',$:&GY+@(N/IVTG"F]!5.^,N?TM%TGV\'58.]S4UY1;U!
M'"^?A`,E<`9G)QY<B88.N]_<#QV%]]F.OE6%I]"@WDX\]17^H%;I'_74SM.L
M8K2AS,X3ML)6,Y)+P6?W_.5%V5D9ZHQ"3JK@BFQV4:2@R27]\$SB.2?LF\8,
MZW^`,XC(GH22I-PJ7;&"6$:I2<MHN/-;65Q=/D>^(.7J+8@*^(M'QG6"_R&:
M\A]=\"68<6_YC?\K)W;VQB>T3M!900M?[A]0>)L`+4YQ@-(*CXA=K&O0;AR^
MC[#1QG+Q:7!*1C.GQ,P&M+-PZHFDG%!LUNDS$B^Q;%*3NMG$,VVKJS+MK>:.
MO\DY0R3KA!(A2N]=<\=U)HI*I-)4C"+;5F>/5JS>4+$P:\.IN?R()!2JOC<V
MB-&.Y_"(I!'<"`J76E"PPG6,0O5U(5<W"]M]7>C0:T]B4CW:#BGT,;:0'B;-
M8,$)$CT@B2D(]9=-2#P`<TBJ:6X=6<LMRR&G*#3+[))R>4R1=^>EC$-*#8D=
M2KZF1>+X1F'GZY*J-9&:K_.ZT"&ESLH.F8Q*M%1Y\*'(1CRV:[N"/V.J];K0
M(84N*0TPW.`4J,H)"EX3L>C$YS7$YAZ>.:1T_;"6;!1QNIX#%);R)H7L,;*V
M?VCBD%+;'@2'%1JXC8N$QM40C;L^.4V]+G1(J<N-@'WBK1D#BL)[!W5TQUU$
MX^)UH4-*+5T$K!+KB1Q*QU<6AQU1FGM=Z)!29Q,!`\4Z@T+UX?IO)ZL]NOYM
MORMS2.I)QSH24QRM&S&#PF[;MA8<V+VWTF).ZVP,S9;59_7V$W(&$'(>S<16
M,XDOX$/76^G24"AW7B_J\XN+#0HOQVB>_@&%%V/J2D#L&%DPPMXF*'36)6$1
M=F_-M,B`@T]/R=%IY1$6%TS8FI0S@E`P82O(FKN.A"O^;I+LDIUY#%]0]!YS
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M$@Z4P))N(QSY8FZ"O.OI;6)U.B<^+]LW5[U]0NAXJ)9LY$:#X``%E[])(?N\
M7F)?K7E"P(TQX+!"`[=QD="X&J)Q]XI-8R7Z)P2V?P7[),XN`A2%HL$ZNN,N
M<>ZD1/^$4-);P"JQGLBA='UE<5?*UF")_BFA<C4!`\4Z@T+U4:*_Y5Z>>G3]
MZ1R.[$*@<*H,%.P9\V$T6ZS^[/&UN-;OM9Q0V@[J2$QN'&;,H."BMJX%=L\+
M"5T76:+/K-^KP2R<>D)NL!G/Q=Z.,7ABYP(^5,#CFBTC%$YUBA=H)O.61&]\
MW9KUJ[W0/WIM,6/_D,I[H,9R,S\TT/+!US44*N9@]T9H5YY"/Z3R**BQ3,Q5
M?0,UJ>=O?2BVQ_,`&:%W+']@KTF:L^'9"VS^E@J^-0^'2^`<P4I&YHHN06]_
M!4-4P=I!A2=8\K`E*M5+N':3<>`$SD"LI.5`]2LLL+_P0.%";>N!K-U;AC2J
MFR@\,VC'<7$8:XJ]7BK2:,&>'SS46*PW9N@??B;QBB:-!"H!13:6G:(&H@X?
M1&>:5._1O/=K-,<^G]KP=6_BF-+#&?9BDYNO.3<HU"'X4P>/^YC/:S3'E!ZO
M,!>9X=FPA@\4+&!9M_@[2\9I\#KAW(A,*DHWQW%H/BNA9TY'E2B3(J/M<1P.
M@30HDNL*[TJ-CX0F-B`Z=W>\[I+X:QS"DZ8@`GV%F/#WG"("J48DX\3AI@)7
MJ[<"FW@P\<AKJWI2T>41A?;W%M)S'U\>U6^83R/Q=>JP:S[<N*PD:9N^]NKP
M4YP/!#Q0&]F)U^-F^$.LU*5]6W%79%Z>,E0$M'BZ64&I;$C_Z!.1ZA-37HIU
M5XWSXWZJTPU]-^^G'NW"_=2C.O=3CW;_?NJ1SPL6]E>5CDA=B=!S6)L]J.(B
MH7$U1$/_":DC"HZJ@GT2?Q0!BD+Q?QW=<><<SKAUQ_+O2?J-;Q%?.-,F09P;
MZI!N@OXQ!<=1P4Z5+N'`52MXNJA3[C*5+NX\'U'J^B=@E5A?Y%"ZOENYZZ;0
MW)WG(TH=\@0,%.L,"M7']<WMD(7"B\3.SBR/2+62J2,31!@I1O^AX]O\I-;K
MU$.UUA&I+CEU)"FW#'O&D(ADB!F-Q\HF+*E<LC?QL,CR=`IG(@7(G6MA/GWB
M%"(LR=EW.+LH!?EU9"XW+\?<HA#I=4_1CC]YO+LMI@T5":F&]H_W"*4U',M*
M;D]ZEE`(=YN3N;LWNL_"E/^$:4/?M=]Q"@CE]?6\$L>]`D@4M(::,T.E29%Z
M/;EEXR":^:9-;S/:3_6/2/6^JR-Y)RX-DF'5-X0^-,Z,@<=[[K+GU0_<!2\L
M4^Y8BA&<*D(Y)??\%F\K2F8T4$7I4ESNDNR7W-H"K5=1^17_.H$TBY8]8IEO
MX?AP)+:VD_?4[?!H%[H='CGJ=GA4Z79X3&9S;T,+[*Z!(>M_\:T%M&,YI83B
M.3/^2F(['&3R1=YNA>PQ+UT*<T5;6;.OL3/1$`Z"0+;8@-_R]5,.CU13P:9U
MTJ=7L&AY=YVDETGQG(^*:)MDW6Z`FJ1_1"%/:R`3Q;YO`)A4%\&&-=DN*>O6
MLUEK]85T8];&<!@$/`$#CNO]4P$^4KW^FE9+CU5*F[>;-!JY^7-./('\D0&?
MY<HHAO;1<\_,W7>7XVS[.N41I:X'9AS'!EAJ[*+:.G+MR9YFJU3C*C:[IEQ+
MP=:FZ!_O=:LI(!?A.:?HF_M<XV)FSA*R@:)*B/(MI#8SR"<[FK0/=Q>65G+0
M95!U:FXY6_]XGVPLJ>*_>".Q9H"_R_'^U7G?76+YHDA!U/Q+]T&67Q9,="2*
M5F>+V3@:LB&GBO^2TU];!MC'I#N@SAYC5(%\9H^\_(L[L6$.A8IA^7&<$=2=
MEC.#0*1@+CZYWU*/$_8A\@Z8A<?+-S<OKT'(66V]&YA/Q`$3J0`Q$Y%<]4VQ
M5RO@WIVRNVM'(6#WXE[333Q(7H"&,\ZQ8,S.@PB.,M#^3=VI.<[.A:7R]P/=
M<*-:&O+NM-[C\>=3FA2<FN$E>\X?N,C28I`7*9=FUHMK+_OU)N\?4WEDT$R4
M\JW`!3_FAO+Y/1J*W4.#0KI-1?'O,)\\%L\9^ZN`?@IL%!11CMXQ&O@:YT;G
M(F;QHX2-,FAN+B>NS,73<<5=$B\VU0?VQN(">'SUXY7%&9LU`)ZW`3YP='`Q
MGZXWNF`I_U.\[)K`_VJVK<,)D4'[:;L)N1#=G??=I\F(\[=L<;)H;Z*@6/1S
M3@^1R+P./\4V*,=+[-"`CFYZC,U[@T'QRM?%J;[(I_I33C21^+H.TQ4U%EM8
MB1T1T%%>=[$V](MZ8!%TT[Y.@X)O_EFF7%K%`SA-1.+B.CR5'`DH$!/+^M/1
M4'?GM="(LXCG_6N4FKGVP_[Q(9$0M`X/)1HI0%JOIPAM;3IT%SQ>LL'R`0'.
MO-\Y%;T4+'KVH.XY&R4I>PI^*%'@IN!T$PGSZO!=K(%F/+#(BY_.5LF8C6'=
MW=%5\M!=@%06J'+':1Y8:M]FJ/R4T]'QP.A0&AB)L1++6-/11Y]!42FI)`X7
M'>QF$L.4G&^/XE`Z'BH=JD,E%6S[-+/H=D2K63-TKFQ_UW)E1^X<YB]!^HWE
M83R&(B:ND`D(2$&R\/?]X^..N\]'4O=9`?@C729FYK'#@D4>3K^4K38>V'?^
M9UVR8>VWG)*.^]3'\M)#,=B/))B$D0X[)BTYCSA;V/XQIZ7C#O2QO!N2!.U'
MXDO"27<MF);;U'*/FJ\+?-LRTEBSB3B&COO.Q](^3S:<J'')LS/N]-ZNN=.?
MW6T.:T_X+%3C/DCS&#;JDJLJX\,,Y_1V?`/Y+-U`\/@_?&\);]UM*4]I\,8B
MEF87$RB_R>;'6G,Y**N@5`,YC1W?,CY+MPP,\@\77<)5GP\I+%Z1OD[2QP`:
M/@R*M'P38_[>=!"%?[,AG%S`N06BWXKQA)P!'3\4_ZQ^%<&2(Q^Q@X3;SI_L
MUGHG:[_K'U-H>UF7@XJ#H'6@Q*ZFD5%#G\]L5\XT9B26<NN]LC2`L&WV=YJ%
M&C4'A]GQ1*+ZQ6T#)MC?6O,>X*ZJK"_Y+][XU&]E1YP_V'`,^?T!_XMR0YIS
M;]';QCS<=719.0C3/X.H8.?3+RP`NLOWK(,LQ#PQKAG=/_'9169)W$HFT(1H
M5@^B[FEN,@4'2<"G,I*(W$CQ@"GT(V]/PAXOU5UE>?C"%^#>:$FK@&AE8WR;
MJ?HG%'K"F(M)KMOFZ!MX6P&W*Z!\*9.)^L>G+BL6E9\VZ'=G.!-'0<9%,N>^
M.`RP8@&YQ*0_A7"7BKQC^0,;%@-0I:?D9KV0Z3:)QT\L?8$[A9RR>?!6)MZ>
M$C[RD>5Y-'>2X^6R`@"4T6YCW^2<(9,`M1"IV%8:YM:'52U%X-%MOPBRR764
M?"\EL\C4/27G[($-YB\'LR%<V0WCI^\L>F-?DCB?Z"(5RUDY*P@X]]8RE#M#
MM?A![G3!GZ&X2Y"NOKU<G'JCU5^>91G+[Y*\-QKQ/YR-N<BR_"*)8(%+@P@%
MRF;B_N=/!.(`:^'HG"Y[EI`[,_!E!)\=/DJD$<QM&#R'T.*M"4-`3,ZQ=B,`
M$0O)RAC0;"%W>N'/(-S5^CQ.N#ID?[!H>!-?_564W0TY'3GXL8_)2D-$C8`U
M0SF=9&I\+!@L5F8<Z!H'#.Y?D?&IJ$YK0_G7>JOR/KXT/'X/7OFJP8.OG*DT
M53N64]K1:+9DL5A5D:C)70WTIZWNFDRHE@G+)973U]%0\;/X63D<8'\MY-RD
M&ZJ.#NYY&<$(S@J/)T25P*4\#^F-RJA^"*2AL6P/[7^F\,*<ENOR'(<>G+^,
M'RGE]?K0G+1D;[;>K/[=NAIR<R(.F$`4IY6(7+%-H?IZ-)&6DKL+RJY&(P;;
M*7M*@SB+9EHS_$\QVQ>Y4,IUYB8>I"S(H`_E_`_<K>N-U*U<ZD[-<1((ZK2"
M$'L;;L#[2\S1TG>/K3,JB:356C3KN,J&9]DJ<_0T"?*+((9CAXQ'Y[WT@;U&
MY2:-K=NQ_P)G$8&@4BM#^3;@C`?^,G>T+(:$#W\30\?B\IQZ<2Y7/9.[YMIS
M-A@4+T5YM-V[N+F)\V16/;M</^^3%%18?X6DJ<_V/U.J'I-*&Q,[-,$8?SD=
M4@9G]^A8.P:7C&.X*G03ST1Y$[,-8<)+%&58>?5C$!7#F28L)1ZS+'MB&52V
MU[="I[1PME./?L2/H7GDUD>2:[9D>BP+VCB=Q],_^SDGGD!V5LM=5#*K`LC?
M^TZ.'@4K371YP:@$#>+07SU1C.R?>'WG3$P8ZC:"<BR'12A>T?)?KLH(E!1N
MES0I2(\+Z4;9+.KBB'`,AT%H245P7*614GR[KHD>8]ZR1-M$#;<']$\H/.ME
MP&NY#LK`59/W_IVOE<O]$&;?$/NT:FC_Q*Y2RC6HBR0N3\*?^"=11J4:RD&1
MS,#+V(]Q.64H*2R.S8F10@)]7KV!6A[%@S@00FZCGN6(?+<`W^Z<Y+O68B)7
M>;!*+!S#81!R-?4,E^NP`IZ_6S745=BCCWK'\E7%FXD>RP?V3VC65<E8+U=F
M'<;=.8EWK-%V!5?B3M&<I6$.V^)&N8122Q$C.94DSPED_!27E*!`UGNIJH7S
MJ//IW+K*"\WPQ-8D?+4,OO23\DC5X\&<@"B4Q4G'<3@D%=E<)/*56`.>0IS6
MA%P]9@\:<0SV"64.-'RW\PKV:R<-B'75\:B!RW`XJU!]'D1!/&"/$\:6^<?S
MJ7CW7*XVERP+QW'YV_+9<VR>P?F'.4,)6("M(B`R%PUQC$*.>!?5\?,)B9+`
M6D4;IX2"S:9%A<EE;["F6MKS83H.Y>%S:WP<3-BPB%AO-+L0\X7EDV2X\DJV
M_Y:QN^"%(4*J.E-SIA#8WMH2OMP8Z_.0PH9'5<E.[&XZ.>I6*J$,%>JI!W-@
MA*RGOHCD]H'A`X60OEEAN^M-<3-X'FC3H:L?\6\3.C'%\$F<^]Q$1$%E=M/5
MH5`IT$@#]\\4NHBV)4)$_*YB4_6TR[LV[)1Y>0S"&RI0I]!3L2W1R<U*RZ+J
M]88/DW(GEQ.[EHVN\UKGT[L@YXNIT4EF=1`'0NAHKVF!8;);V]RIWC7="9$?
MD-!==)PC&L)!$-);%:,Q.K>)BT*<X4Y0[MK&W"5E"\I*^P5M4"H;PNDBE`N1
M<TX<F*I1[9;ZN,MB0-G^U8_7\I6:V^2[5G>$O^<4$8KHY#P3*XX"$H6,\"ZZ
MBI]]O@5!J2CN,X67(-H2.&;;-^<>A3K+W;11$BZQV[N!GRF\]=66\,SL;9U'
M(G^)])NG^^:/G9*J^CNA9F[J]?=\*LFS575U7;DPZUE[A'"&$U@*;!7%Y59:
MCX.T`JOWH[ZG#AO7PUX"K[,\YXK]=?N'G`9"WFO;O!<'DR(.U3O#<RPQ=V^+
MK:96IC)$/^V?4KBM*../3K)5#`W<.ZC'5X]>Q.,D2?/%:YFH:RN"$1P"D7U9
MS%SYSBL%0TY'/);R51]41:G(]@`.@$":6LY:N8;(L%!(,[Y+'\IG._-552>H
M$:KV8W,`!T`R[]Z.X%0E(&).44@5NA&[.]]_??I,NYT(?\\I(A0)R#@F]NL4
M@!K8N%VQVV/UVNI9@!5Q.&]/.K!_2J&SNX;?"L]/`^PC1^)IFR#0<J*2FD<L
M]N)!'`B!F,B7`.5VI^(6A2I/IRK@L[IRFR:3+AM;PS@80OJL8KB)[E6Q45CQ
MW0O-9V>4)![.*=)4N"E&<`@$,@<X1LLU3PJ,@M*]2S?#9U-7)<Y;XQX/JDDX
MT'>:;E"WD#7A'JW"^>95YN2`1*7?@K!>7*D.-7A"23*>PR.4]S`1"4:;E:!W
MIS?R.]JH?/:V:^;2XRFE[G9MBU*5`=>PC(*OV)1&[.0[3:==>:?IM,X[3:>[
M_T[3Z6Z\TW3:G7>:3FW>:3K=_7>:3GV^T[3@^HQ$(T6L#NF?=N>MIE/U6TUR
M>!2:@#2HAG9WK\6-ZY,L[XTN@G2>&'MDZ5LX8)F^;[UR(*>14,(:P4[Q43<&
M)(5SDR9US6,$Y.)INE-*5[01O)8O=S)P%(KAFE1`C]%)R7*##7?K]YQ\^E%(
ME=,:]=O&1J%$[%VFIFCDB=W>-CWM3':X`6&:G9>L\XS"'M"44ISX[&$MOD?L
MX/$I2CVH]>S'Z*8,)86<0'-B])H[G<6_#WRU6=!FE!?8'L@!$?)7]*S7)P=D
M&'=;*SWZ!M=)RL)Q?/5C,`GBL9EB*L=R6"2]`YD`Y+J)@$EK0W>MGA[3J+-&
MWD9:*1K2/Z74/%;/;KDRRM&)LJBD6YKL=;RER>G)1TN3=N.N$P)9:EM%,8L7
MF^0@+5_J':DOC<BXA3I:ZM%RDP*VM/,-[I'/T[I6F0./3N9%Z=??Q%_CE`51
M^#<;KDI#ETWLYHI20;&G@6X[;?_TD*2SJA>@7/?K\6*GBW%=6]*A1Z]4)>8_
MRJ;50.3-NLA9'4-2S,I90<!?M!&?G1UI65'-4GR8D4X.'ITUR=K(*6:C$8,X
M@\4\]-;?\,!/Q`%WQ6G;$)+<6$S15S,H9O:1)WD04;:.G0VIZ!7#UZWOIWFD
MTXXH50=$&I91R&HTI1%>*^H;*Q6C=#ZDY;^Q9E91$M9-)X+T&+N[*#K=^T3I
M=`C!;+DR2M'MM@IRC!ZCWOIUIYQ^0J$JAM<:%12@HW5&_GY\9,Y]8N<.+LH,
M.:JNQ*M-B-/LE&&#:U0MT4E-\@D)97=;@G-Z0ES7U]F/44X92@I^2G-BW+'R
MT],3DKD*&>M5,9P:X^X<0+G6:(^IB2=(NCZPO$CCQ^_!*TJ9A6,X#$*I"#W#
MY7JL@$=UTW\'[C?5]GDM/P;*.4%RNVA)!2P+@W3\I-`\@9*6G9YXS$8*B#)I
M2KL]KG]Z2B@U64<D<O77@*<0$30A5X\)R\V**]QM'^$@#H10YE+#;[D.JL!Y
M?RNV^I"N[6.P;A3GSR`-84M;]I2*\[+B_7QZ$059%H["V8[8&Y7_98I8YFVF
MY%N?SU5^DS`AA"EJ@3"9BJ.FM!G4$)S<#BWX06%_\*@1'K<1,6GW:?@2I--S
M%C..(N1_1&TO9I,!<D+[CH70Y#9@Q8D&WG+:VG805^BD8\#R?5YS7M!U/JV^
M0/][FA2O?+O'Y`PP4P!*`JDDC"00OI`>*(6UMS71[OE,Y*Q(%!!X'<;\[\(@
M6J8F+H+7T@&^159%UYT>N$,HN6,@4(P=U.()A00->>WY9/?<NR/N+"BL9#66
M?W>692S/1,!T^Z&KZ8$[!#85Q\)6V)T;?G7]S*X#6FD5@XM]30$U,R+^/0D'
MDXL@3:?\ZS.'YNJO(HAZZ=GK:YK\X%YQSI8ZB7%1'7^*,V*/4%CN2*[;YMD@
M[_R9ZBXJH\_[GT$V@?]!EYJW("K1Q,-KQL4;1-=%/,P>DY4"RS(@J$D`*8$,
M0(-"5&3)3#CT85PNY>*[O_:,_B5IJYY+F)ISZ6!`1J#$L$&AR8T)Q9FN7YVF
M[TSN6257A$O,[(.@*2$;GN6E@)\F06RR=J#G`-(I93[<2$+L_IDRQ9_5T-`+
MJYR&D/3;)(@5]_VK/X$/$T@7V#!+K'4;P#H?UY//Q>UY/%M7KE^W8?`<1K-3
MYJ9V*^PW.)_V*87];L1NF94S9-I.>U/4E-3=ZU,BDBJ4F/GGAG&;]7>`!03R
M!$V(%9^CJ\N]SN^Y73)8JQ2#V&M<?;6>UVLV$8`@D$UH0C`2#]6&/<2"(X^Z
MXK&LXBE\89?L-<G"7.=85W\*5!,(^JW9+7?S!"B))9`]*JK'&H7;)!X_L?3E
MDCWK-J+J3X%J(LD`*W;+%56`TGY%S5GJWT<AGQ>P>T]94UOZQ'[DW/TT*R[=
M',2)H_1.LB->2_Q['1?LVU@V<^#G7M0>3[C/!H.DX`[D`QNP\`WJ"/5=6(5C
M``>!N!3%;/DJK()&S&]H0`\]'@:72?&S>'C+@HRML_^!NV]ISK?7%Q"-UEE`
MS@-X"01U**&HO`8SN+OB4C1>&D_C;L<7+M8B+3?5\R`+,\3]0\UHP$;`@;80
MAR*5CX),[&Y'$Z+]Y/-%'D&Q"3A_L^4G0]T5Q$P!*`FLVV8R0>BN'C(I!6Y>
MR!ZS:(OCA/4M5$`XZB:HX6R`G4`NSD)<<BVW8\$[4WB/+L=5EI?G9+W1DEA;
M;3>9"E!3=$;T@I*KN@5^"JW,6M1SG]4X"Q)OXM<BSV[9&XOVS+K%;(\$_Y)B
MLDXO!H1;(H5+ZAIHTTJ[Y[,=NT@6^]9*N[^2(H%TG848S)1V'2Z%9RA;5%H*
MT6!%%@?62GNPDB+%V$\O!C.E78<[5]HC$DK;?.;-HWM`IAW8'JD;N'C!R=6\
M!A]$[G&K_>I6YGU19'G"?[:H*)FWHCDP[U\G/-*13(\XU]&,!$YZ]&"J13CP
M?,^G3[WT2Y+JBEJPPP$=`5\&+P>YF2"A4LB,M"!4C_Z+C#R^J_/5*QQ8HEL,
M!W2$/!FD,,SU=@-OU^NN6]!Y(L6C5?*N^?_"L2XHT8P&;(32VDA1F&O\.MRN
MWPQJ0>%]OK@A(<\2%:`AE,Y&,M]<Q><XW3XO3<NCM^A(W;I'_]E=^>H%2_-9
M",9ZH\47SZ<E/9SKJO`>.YP3?$(@J,6S=MLN#*$VT,*V)3FYN^>O^>*MIMC;
M9`H@G,#J:\AG*RW;Q%SO`)&`X.SN"+IW`LZG7X*\2"'_9.[@;`\&9`2B/`MA
MX)P"*>)=BO,:T`D:,=Z<LI!E_\V"M!<;N+U;0P$5T>A.*@*4CLN0?FBXDKTT
M@KIUX3U]3VPUG`\%5`3<"R,16&CX"NDNI2X:T'"/QY1RX?&O6*_BY6".C-+%
M0Y08;+2\@M7?]<(NZ+G/NXE2\5TGA?9A7-58P$7@P-!("!9:7H%:+7SZ4/(M
M_M((/S>D%[Y9K^4P%G`1"#Z-A&"CY"NHU4*I#R7?XB^UJ/-LE+.TCJ:O30`(
MNQ2!'IA'H"*\<YT__M!Y(9-IQ*%FK9CV#KH49QZ@CQ#GR.8:^]G-L2%>JCX/
M5#P&B\NN++^S9)P&KQ-.;80H7)6.XW@H/-MJR'ZYBNJ`4JBU:T*()QXCNT<V
MWJ0*=?%!.@[P$(KH='Q7:*,&(0EM;$)Z[KJ$?HW#G`U+$63*&R?B'P,QA.(F
M'=/$!\A26#NK/^Z>V[A+8B,5$OX>2"(4CNA8)]8B%3+ZMS+V.E##Y?.Y\Y7#
M],0_A0RYQ(,`"8'M%\]S^0:L!-CU4U_'(O>8-EV*=W[!P!#+YC!`0VC35[)<
MK[L2=/;:2Z'Y6P,2]Y@17=R#/&=!&L;C!75S:A^#-VC6KH&&F@-P$G)$-.*0
MZ[8)V%U9IAVJNL=$J%IRE1Q.MDKBU-)\\93`!4*)58VP;`U!B;WK)3T-V(6[
M.Q1/DS`=W@=I/A7*0!$F:$;V]_8I]1?2<%,<2>(@=KT4Q[E^[MOU'=+HY^-W
MQEX7G:Y1>KDV`L@B$.PAN:?31Q&TKE?+.`WS]GVV$5)O=K/G-E9'C+6\ALW)
M`'D'0L)]=7LA*\R[XB<XTG]WJ>7E&A4/Y_?$+X)T^%+F52\XC\-\WF%'M2SC
M)P'B"<9^0@Z+UVECK+OB0CA278]A'S*46X4H^Y0:TRM9JL_`S='8.Q+>K\C?
MQ&_<\N#0Z)$-Y@5HCMM=*3Z!.%Q!C.92L'LNUM';.F^<&*A!X4O78Q"Q*IW/
MU;H^G)6;3@?H"?CI9K*2FY8E_*[G`@DHD4?_'TWN2Y+FX=]L>)%DN6M6B.8&
MOA"*#BS%ZL#:%,QY-Z;G0_D\GEUA:?]WF$_"N!<SJ%E?`^*(.?(/`(<(13XN
MI%W?5K7L^C#8!@W68RB&IATNF'#]>)JD23&>P#434)6L"=M%?0OX1B@H=*$#
M#K9<`\YU/9-'VJ(]WNHPTA70D+FR/+&X68O6?8OSC5*#`1<ZX,BBD9SK>H*3
MLD5[?8C91%<:-V.I!A)(*+F4MB/;5;&KZX?)I`VV:ZFI)O@!?.AB*DHA4\=Y
MJ3F'[/M#U+MYO"N)8)\=)+#D+A^K<<R&K7F!'UW,,*V+L[ZAR1CS7B+/5A6N
M`SFDM23C$D03"=_EY,"9#F:)9!)VG.C=9--[2?*V:IA=204)TH:N;53['<ZO
MPPZF@&1R;RZAN\FQCRW5O>4>=B7E(T@/-F*YJN\`OSJ8`)+)O;G$[2;'WDO2
MME7+[4+NIYH<;,1<A1K7P6R03,*.$[2;;'HOR=E6#9-LFFCU;[7@K_X-T'8P
M"223FJVQ;3'$;:;54ULA1=&RJ]9"+53`'_A\4/UQ,&'#(F*]D5R!,&_'H^?A
M>"D\G6XF';G9F>(FT=W-A\P]^H)?@O\D*5P2*J^S/^=G\?#JKR+,IRLR$9TZ
MD;,`5D+>G:F,Y)INAI^"GK<N=X]N%8)*5`=']#R`EY!C92:E6EJ^AK\C>NY>
M]NY>("VON(OV8FU?3\U(()/0J9,I>[>5%(^YZP]M>%%ICV[XU\=9`U=.WWT2
M<;H&0?18/`_#MS#CFJHV!;-).-)]`@ZXK83D2[<1_/>Z;ON\;?WU\?>$+R\Q
MK%MG8Q8/MI(32#7'30-H"9V%F$I)I>A&#*@>;;PK5?<9<B9I/@[&[#P8?&/#
M%7$W65:PX?FT*L+'5[XX)7Q_OH).0*]IF"$-P<U'@%.$`E93"2M<>9?LJ1Y#
MO"LC\AC3SOL)K:1DL5F@Y@"<W8IEU^0C-P$3]*+G`MY%9M+G*SL(.F_#F-WD
M[$7[DI#)7(";D&]D*J]Z^?A-+G1%\QO2A/UCDG4:%TF<AW&1%-G7.&5!!%=%
M;I,LNX?V7:"B=<_)L1\`#A%RD&RD:W-L;,@>"@%U1Y2)9/6%#H"[^A3C+P'/
M"+EGSI2@":N4,6]W[Q005UR2%X)T2&Y9ECU-@OCI.XO>V!?^ZXF#XLA:7P5>
M$CK,<:\E3:P&&(Y^K`R>5@:2-Y)T2*J:U$MODWC,'-PAK/55SLO/A`ZTW&M)
M$RL#AJ.[>YN)4CCPF>3])BV`\3AEXR!G\)<.6AI8?@_X1RB/Y4PA&@G8E2Q\
MQ\9.1Y4[F8A;.)E[^[/M9`-?X^&"Y+O`3T)INZ;TI<FP0<W9]QLX$%HQ.IE+
M7.C5PO%L:\70?!?XN1MY1J6^-+%BX#CKVL?P=.WL+HD7CW8]L#<6\X`M'E[]
M>&5QQF;WA^:WB!S=09O/UAO!RXQ!&)=ECG":S__J)N8$,CCO,;B69C<AU`FX
MJ_J>ER9<%%P'XL'T=TX&Z(J":LD(((M`8K`V7[?-4@_:WQ9,75'=O1I[R?@O
M_BJ`^]=,_>S;^B\Y&10:*=?FHU@QQ6#]19'$%=*N<;$0U&TR#:)\"F^CQBQ]
M8!$G8:A13>D8((U``J4V;\5*JH/MK^L+=76URD0(03VR]"T<,(V"5GX%GR<0
MN-?FGU@EMX'ZZW!"70G=/>M:WIJ[2%Y>PJR\"P2OE:H54C("R"(0(];FJU@Y
MU:#]72JDKJ@>BSQ`/EQ,%:&50M25Q8M'`9:NQU+J!JUJX',-/^Y@5QQ]4J(L
MH':5DYBO%%E>^<HR0=)[92G'%H_W$%9G.!.7U*&[X$ZRX#UQ&9SS6;Z9;Q#+
MH9S0(R+AGQV+C;:(3=C$,A,^U?7(7>A7?GQNWG@EW1H`1!$)^NS8J5!-&5AB
MF0FO"NDNN/L2I-\8S'_/)9N`[CRP[T$Z+/=8_L^7\H;9/.9!::SEC`"+2-!H
M)Q"Q2M?C!K'TAE>==QQ+WK%\_F'T,BP8`H01B2;M6*I8B.5P72<\B/G9+CWL
M6:3#OU#^VY9<L*:"G`;DXS&4Q9"JLS:KN0`WD;#70ESR8->&":X==V^M80'U
M4_##)N)UH\Y+$M#VBA@)4O)X<4!`&=8B54,YJF,"L3*>_W*;0\#<$1-[#,=Q
M.((?Y6>#05+$I9^:1"'T(UK\TY?QE=^?+CF/-#S)*)";NR!^SJSL@0U8^`9)
M.;XXWR9!/&/:%+&I8Z<`P@D$^CCVBGU)0ZC$\DXMR]IC_?AU&`?Q@)6$`8$L
MR%B%YAFMNE,)S!R`DTBD;R@:Q:F$`?"NEUT[7YG=1?8/7(O2-Y9=)^FL;A5M
MI)J10":!.!_'3/$ZC$-8KY5.^T+Q&.VNS#M[2H/A,D(3+"I1E'R']8$#N4R*
MYWQ41(M?H=95EY\"KA&)E7'RE:^Z#;#E8W'>6$_<'=6N>E[C5P#I&$X:I3OC
M:@:*%V0=-F+)?^?B\WAM>D77AN"T*1#).,!#($[#\%R5^5"C^U@;UTW;[K:O
M.,SDN]^RK^??I<K@XTO=6""50,"%8Z@DB8#$2*P4MW&Q>KP]RCVN..,,AGAW
M=GX=QN/>:!8)AT%4TI^9K:]6<P(?",1F)C*3K\%U./"Q/F\L)^XN.UZRE`<2
M>?A6%I_^P89C+I:S`?^+\G8MVJB-Y@$(!"(U'*/%Z[8-7G)5ZIY$[_&4L$*K
MV0(N'\@1G1`(V&PE(5^QM9`_EN7UU>+$W4G<LN$9V@HE(X`L`O$;CGGBI5:-
MS/YB1".+JE/!^3PT6U!5<=%N8DY:40G`=8=FF#D`)X$83B\)Q1F9`<Z/-7/#
M[#T&>N5=D5E"J;QX59:)S!^M,BV,,IH+<!,(['#2D>N]#>:Y_G_NJOY[U1F/
M9X(*6LT<:?Q$@)A0E&@C+2O;$;-A1TKS-"&*TYN@J&_5#W#7YP%Q>0QP5V^P
MK*BN^"(WJ]O*%6=EJ\TSUI@=?XWS[K0;H;10YG)K;X9/Q"H*?9G;J;NP^VHT
M8@.0P8+E\'66]>('EA417/"?WS=*8M250:OY`!*!D-U6%.(@O@XGB%V0]:;G
M'M,!JP5L38"<X,HR5FV$L5K%6#I*TA<H48(+^9N+6\D0Z/H/:,VWG5:H`=X3
M25'8Z`QF6VJ3C\3*?[R9L[OJ8*%3L6C(^<`&R3B&MK@W\?P*$&+GLIT2@!%(
M;=@*1'?89\6,3M\J7H5NOQ=!&L0Y<QRE;4Z+,#79$."WQQS):CE=$MA[CL(Q
MSE\TG`6P$LB.(,2!V7\P4#N=`5GQR&T'[JUYC<QGJT?9H5T?[5;LQ^AU;>D,
M@)&<W8CE8&TX%9P4'K]M3:X>\VXBNFZ1KV(KQW)<%'IUFTM"KKT8O!1>/F]0
MI@>G[JZ?*#]ELAVHQG.Q?"*DAACVBGUY$[3$$JRM"=I=0O6)_[ZR5""(E(P`
MLH@D14W8*-9!-49B6N=4A!Y3F"*Q?0E^A"_%R]6/US+"M5C3-V8`C$12A6HI
MF.W.8I2[K*@>RY)$`IB]LI-?!&DZ#>,QYDUC[#2`EDC&3BT/,Y550+4_3\I9
MZKT"J:UHRNY=F.9,X'QZ%^108O,CM'&^J\,!'0%GPEP>9B8@@$PA'=""<(FY
M&3/B+I.7((PMT%6'`SH"#H:A,,ST5H"7JMXZEJR[(T%HP7P6#Y_2X(U%J]**
M+V579H5+I!P')!)P%0PY*H[!,$#?B=9Y3/DOR2M=/VAQH]10W3!`0R"Y;\A\
MQ.HHQBE*DM*LZW7][*SZ9)^#*0+DPTI&,W&^>VU#/1IE+(=*\=EM>8RS+QP#
M.`C8B;T$Y":CPDMA/7<HPZ,#$C>IL4<B@A$<PR&A4P45G^4:)\=5K73KN)P.
M[71-?4>V-UJ]XSYK:<>&9]E%$L%KJ&D0*19N]!R<=$HJ)F>NV$TUQ=GU^Z6N
MU/708_9J1=%L&4$#F/T<J">4G9+S%[,DKD'R5\A/3#D]YJ>J%`7/850N*`8H
MEF,`!Z%,E)S3N)U[$Y>_*G5Z?J9/?;V`5K8LY8J03^]X((K($(N&``I"VJKB
MM%Q?%<`HA#;N1.6S*\0#>RW2P23(V-DX9>7-ETTJ49DW]#R`EU!652$2N6::
M@J6@KEX$[:YSWUV2/R;1L)?R[T=PF7*H3>[+A@!A!-)!M@P51TX:L.]6`]W%
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MS^B!FH.M%E&H)1$Q`V`D%'UK1*$Z5L1"W5%%]7A<>)?$PR7[48HI&`$8"!T6
M:E@M5T0Y-`I[M*BK%B1.$3NU:BA'>.0Q=%Z1!DV=H605:K=1)J4:"J@(A<\(
M`:C61RU."@MC@Y+T&$C?0`*89?D#7Q,6Q*'62?E`0$0HM$8P7ZZ;6I0[KID>
M(YWK)&5\K[KZ,9@$\=A,.95C(9PE%/,@1"#73PQ06IN[:Q4]]A@&7?U5A/G4
M2#-%0P`%H4`'P7"Y0BKPT;K^X%P//48Y3TD>1`\L+]+X\7OPBE)$X1C`02C2
M0;!<KHDJ@-46O/Y54=!%^'PZC_(>6#2[*#H)7RTC(?VDD&#SN(P*J#+).6R/
M`SPD%U0+H6BSGE+X%%S31D1+X1W$.8$X;U0X")`06FMU'%?XH"IX.ZN$/A\J
M#++)=91\-]%!X1C`02B+I..W7`55Z"B$/XUHH,>LT1W+;^(WEI4OUIFHH7P@
M("*4-=)Q7I%EUT&L%P?9=,#`]X(WFPCZ*/C,$"TVGJQ"MJB,X7PJCB26OE?E
M+`53*-K<ASE'*>2FK%4!X24TQ3,*GL9.:N01C<OSV1+CK?%M:\%8P$4H1FQ<
M@)CS-SF;YL9U1"-AXEP5#@\].E,KVBK=/39:)J#AR:<`E(0<+(Q$,#JK!;P[
M+5`:4'L2':.$(ER4DT[KJ?YR&G!0"'A6)I*Q5O]-T+O3:,6]"1RYNX<(68A5
M!Z:[V<4F1;`E_#V01,@OP;!O6T]UZ+I^N[!1A;1*;VO2`N6&R,.XY<J@UT[]
M8""64`8;PUBQJJ*ANGZZ\R,^=1+>>'3>&[B?2\A);UQL<A='PZ&/;$]C8B$1
M$U"HB:`4+S0N<DRP8<$_"J=ONVFG=H$+^;L:A&*?QL5G9G,;7*)03KFCEN6Q
MP,CM365*X5GC(I-;DY(_]6I!B1W'^ZR&WXBB+?I<4ZB"MV8[9C%?0^HO*TM-
M:7>D_S6%TGEK`6#4=QNNZT2NI^>*+HHL3_C/+MEKDH6Y_?M$KI1R3@:G*<O#
M@<;H=,.@I9]'$UO<H3QG05KNPB65%5U:T*N!AYX'\!(P1:18Y(9G"KC[)]W.
MU=YCE?9=$H>.--]D*D!-J*9;(QRY\EM@)N902385A`>E&=G?.[9[@D'Z-.A+
M69\\X.P*\^=92*;LF*H=!R026(+QS)2=8>LQUCN):%<D#A^4W>#J^11"=-T9
M.&(DD$E@_<*R4Z(W*(SU<N-MB^7HU&N-Y(*JB^3E-8FY],XBOCO$L[#:S%%0
M3P)("1S!XF6BBMP,`%,X46U9S%Y/.AW[NL>?")U6&HE`K[\2M+L2[[2B[<>?
MO*:&9T3.V]480ML8!5@()(JM!*#7=3'8[E?P.E8`ROFL.;EUTUGS:0`M@5`*
M)Y,:R:QUN+NRMCM3>.*9+)S.&\P$F`G$@3C)U$MCK2/>E:6^):^&0%"*Q`+4
M$@@LK5BL]UOFZ.P/!'/HU^4X`]M4'LW=LXT7Y0?F93"9HM9'_&,@AH!.89DF
MR9;)8#616JW/;W<O)JY8MOXE96\8_4!.)(72924'=?EV!:Y&$^[.!>'R>J'X
M6]I7#M4#@4@"X32:FV::LX91I#E$*D[*5=*BX`1U"C";W.+@<7T@<-'EY425
M__'$&7S.)_NF+#1#S0!D$PB@T?P5*[@96'_A<]L*Z>Y(<_V4Q4P!UT8`601"
M5S3_=`HG`D>\UL*A@KGS]9_"%[;BZI<@+](PGV(433,2R*02!6#X*58X'$A_
MK0/:5CQW<4:5LWN?X/]ZZ9<D1:UQVK&<5"HMZU`\U2N?"J;K#@">W,_?BR`-
MXIS9N)QNDF<K"I`IP>T!(!*/AYHK@G1VI!@!&`A$7UHFRQ.`<E"NG5!/MJ*Y
M3N'ODH#@6K;POL<2"3KY;CTS2)[$;1XTY5C;K3,U<(5`!.I.OJKC@-ILVI%E
M8],9<93;$53!+S^)NYV'&`^2\/IHHH)&O,%B)@&D1&)U$\EHS^-PL'?$U%;]
MUA_9`*)&C]ORBI;LDCU#+['9DU@KRI"[,'XB$*;7)R27A-[$<U*_!.DWED/X
MM45T/+Q@:1Z$\5,:#&%+*.]$FV_(37T6N$D@F6*M!O*EH6&.=7HQJ7:G\'KW
M=TG(C-V57H0AG&8%P/EA+WX`.4$Y$?_!71*GBW\]#[(PNT6VHG3Z+=`"CP7U
M<PBXM77]QYSRSP0R6$U*1;XH"%G1]>K+FLK@,:E46:/-_80J!D)))2&#4=O4
M!J"NJZ4SX7I,L9R]\=T1_(7K)'T,(K9R&#8=")W9H2<"Q(32)W*9*%994[`?
MJCYGJ[OS?;D,P!=><WQ[^419464Z%0`AD&70LUI\.&8)M^N5[#6]B/?PI,PQ
MI3?[A"+`I*JU".TU.6=IU_78>U"W%,\J][`,?E!H5!-PA">$@C\A^W71&P(?
MJ7L96\D6Q+F%=$Q_[_.>QX#-1;1NU/&V[G>`7P2"0XQ,Y7KOFAL4FE]T4I,H
MO,7>O4SIYSU"\:QK?6C6:C>Y2.J!@2Y9KL?S_26.\^GRCW^$+.6Z.YG>LC<6
M(9J>XR8!I(0B;]<21-@:ACVDMK]VE,)C=+ZD;"[P,A&S3:[R\J'57(";4+QN
M)"R$IANP@)3"^U`#CT']DJR;^+7(LU+0>\I+K(B1'-,^H3#>1AX(#9?B?N_Z
MO$\A`U"1SKZU/N^OY$H@2J\C#S-]7L=-RJOWH<\4XNJ*=`ZL]?E@)5>*,:^!
M/,ST>1VWZ+$N3_5M3CL-;$YKE,C=O)[W>=]C3/HXF+!A$;'>R#1&6P5EV-)5
MI]\"OA&(<!&BE1M0$PPAU@+!L:50"%_/I]7GVWY/D^*52P1K!-AI`"V!H!4A
M$%0R!H/5=>&$IYW&>PDU_F849B@(AT+8;'$72CF6XSJ@&#K+18`P-`703M]3
M>.2SE=[J11)G210.^;\.EW^9]48W,?\MNR_9/6$YGR3R=Q4*2%D2AZX#%(X"
MX7D,\L]>DB+.>Z/+,"J@.FA5]/:8<]7JO99O7W-WY8%Q>L-!^1OX+U]C?8?0
M>I,#9PBE"M3R4Y2RN&!"IVT;'KOEW@"+!Q[O+UXD+R]AOKBVO4:2<2,!H[E`
M@AZS'BA:L?NMV62`G%!NQ$9J<K.V8D6GS7@%ZRI(8XXVNV<IL"&)'R=<"E?W
MCY[O&%;H*BF"(!K[`HUR+(C/8PYGMO7<)EEVS35[IFL%)[;WRM)2PD!U27!)
M.LH10<\&V`GD84SD)+=:.^Q=O[32J%UXS-@(:;/!`S@(Y&),>"[7<17"&@7_
MM<JEFY%WZ5*SH:4F;XP&#GE,@Z!6ICG)SE;YZGP<_R&A=`E.6C57>@%^8NGU
M?[-P/`'<?/9@S.X*.'SKC4J*LUZ19WD0#^?G!0/NB.),PL',P"ZO]\D'L]/-
M(*JXH-E9SD/HYZ)L_/&47`11M(JO_QVDT-!/E[2H,3/PA$#&PIUTE>95DTO$
M.BV3-C2/^0,CZC6F9307X":0/7`G0;DQV?#E8Y_",]]CZ"ZAONIX5$'8&9!L
M-L!.('1W)T5C$])PAM3M44E6[=7@,BEV"H#O,=;9].T?V"")!V$4SK32+IP3
M3\*14GDSRE`X^`!?B;SKS2I:UA5WSUK=L7P6@V[XQ"O13Y*(RP9CU\9S`10"
MD8@5_[<5OPX+B/E)WK7"8RBQI!>R,DC+%8X!'$1"`UL9R%=W%>*N'T0XU0"?
M+T=7:3*A'^@FX)%C>(O4T#FB#\VL<,_CD1CM>BX*KWEAI-=@-=>1W2G<Z<Q8
M8C:&PLA=,A9WSX&A]V(7/A4GG<+S8!CVUG2HYTA]Y4JZ&$;:/=_5N<0JI1>^
MC&0CM@@W#/E(N!A)PV,\VF19%*5WL8R$85A7M`'9WRNFG51^CR%LT[54%%Z?
MLA((W@#$H%V_I%K3?VCW5,GNO28SPJ&HO@CJ4;XY!Y!.(#:UX+;8E3$%3NSU
MZ=9E[_$P]"*).0_SD$=?C\4S%T080X@/'>BUMW&D(SDF"D__V,A!OO[J\1([
M[&E;C>T>^!&2OLG@FRPKX'[_?[-`]8"$:A@02"!@M&&J>)%%@"56Y-BZ0EI%
M=RB%_!+DD'B=&BID=1@02"!,LV$J3B$%8+NRT3?BG9Z2Z,-T%N?A<.OXX.K'
M("J&;#B[K?#R6LQTL#?:C#HP#97=?@PX1R":LQ"VW)=HA$,4NE5V7,]\'IW6
M@W"+;+GOZC/`+0(A:Z.JH#B'=<M%"GTYNZ=_A]VUUMDY?K.LFGT#^$3(3AV+
MOS$+76->UZN+.KXI^WPIK1Z$\ZEX`L23"PU^N;]W\HE`=JY1A6EL84`PEH(?
MOK.*Z[-9G9"PN^"%H9J5ZX8#.@()RO;D:&JC6ZRB:VA.E<)CC4JEJA35JG[K
M]T`_@22G(;L5B1L)P%UOK6;;WKZ#=3$GGTCD:<7U3LNR/\O.^$:S`B\(9%ZM
M!(C)O=HP8]<-G8J)6QIU50L(M8;#&JIT'.`AE,;1L!U?Q+8)L-/FI>TB?A%D
MD^LH^>YM(UT24Z$%:6FJH2`\CUF:.Y8#2?=I\A9RH9U/OV9L>!//>ZW%XS.X
M!S6+/M"WA0PGY!S8HY13T0M+;J/6Z+N>)Z6A1SX?*:MQL_B$TD-DUHQ76L46
MW`^%=\)WC_'6V?`_13;KH_Z4+`(*MB9K:"3HDD=-?!*X2"A2LU8#14JP.:YU
M_<K<#NFP1R>RI#3CMG*=I+=)$-^R(&-G\;"73U@*@)AN0T3,P#%2>A2J03'*
M+1G/IJYOK[MCF#[?B+ID7/:#>9+O)4GS\._9G^/AV6"0,O@S!ZAA#'(6P$KI
M$*XY<<H-U(Q5'[LG&2-U=]WA<B['I^`'RQ9KLZ(*7OA[((E03-@@U[=M2<>4
MKM]4WR&K\7G:-S]U8D.HI6!Q5MJ%+A$K'`1("$6`#0I+<;*GXHR_B_$?%K<A
M1(\'<^7#$5Q#+MGLGQ5:+X+7,`\B_'NJR(D`,:&CNP:%*K=,8V[-K?6HJ];J
M2<_\OB"U22CX.US#6/@VJQXR1KHQ`4=(Z8TH8]$8V8<8NT5*A%3O1C]VX?VI
MJ&W1KE;3+&.X5Z&TDP!20LD+8Q$9VX<8?]?[FWJR$8_'SMN$G@T&<`$KNP^F
ML/PMHN<E_;=A\!Q&I1-BS`2#N8$OA%(8Q@(UL2ASMG0]B>')T*P2#L(TW?9W
MG]+@C44LS2XF[*\"\[B3\3P`@5"FP9CWXF2=#0NZGE+PI/_NFO1M?Q?ZSES]
M&$R">"R[J*H?"$02BMB-N8O5<`%FB[C[PW<Z\?F:&3)5`Z7_LU>(V7#U"+&&
M";7FYGRA\/:9M4#EOI,+MLP-[;BK>P>1TD&/J60\P:+GOYUQ0S0Y<(;0!F8M
M6KD).N%/M]^4:.XNQY['=)E$L#?Q&\M<KBN*"8$#A-)H"&$9VXD>?=?+>FCH
MD=V#GLX*6@>,#3-HU?`8E/U5WH(P@MS.=9+"WZQNP.LK6]%3`6I"UF,M-KE-
M67"CZY6L1*S)8XJZ*O1Y8UM.W'W*7H-I>9A^%@\O@BC*')F9]3>`3X12UM:"
MQME?739];'-.Y.6QANY^+O2GY&SP5Q&F;$9J^7<Z>U,,!52$LMS68E&8D1Z]
M18!$*AM(Q#H\)BD60N;K7W79A'LWL$R6=V^P9J*<`W#23SGH!:6W%PP;+$Z&
M/@QG6QX^KP-NKHZ<]%>6YM/[*(AS+N\K_K>O\!/3348Z$4=,[$U7.Y$9;#DZ
M7G3].(J&'=F]!]OH!G1>9&',X*XGE_I-G#.NY_E-?#8:E?V\;/<D[;3`C:YG
M)\1/R#KBC,6YU(?%;8N(5#'=XC%X-@0DQ@??Z\,!7=?S"^J79I$<F%O*YP]+
MJ24*CZD#)+7.2B?0<P-?NIY\4#]FZX(]<P,\^<C=U9(3O1(*`<'N2BB0DP-G
MNI[/$#_0ZY0_<QL\_2BAV#B5]]O$3R38ZS`.XH'#=44Q(7"`D).($):QG>C1
M=_UZ!`T]\ODXMJAD^C7)0HO[>HN!'!&%I[%KB\0D?-K`OJ/%$"W;A=UKV^Z+
M(1Z6Q^Z]T>,D2?,GEKX@GH]'S0$XZ:?K](+"%3/HV+"CQ0IM&PZ1*J+%>^V]
MT6T2CRVL1CP!("3D>EF+"&<R2AY4';!WKO,>LVS55<U`TV7#``W]W)A>''+]
MUB#?T=J"MBW"9U&.<`&;O\.3ZU^)T8X'?/235WH!F>X!VRSH>A\I(L9"H!#G
M.DGYPEBD@PF/*8VL13L!1WC2]9C\,ZKP1LN#'3W^;]E>3@@4W/1&ER&0'`^Q
MM325$8"AZW'W":I,9AOTCI[KMVT"'J-L)+7.SO71<P-?NAZ;GRAC<Q?LV=%S
M_;8-T&/(CR?8W;D^<G+@3-?3!R?*]($3_GR<ZTN.BCU:U=5HQ`:<KD7+I@=.
M:2\&*LL+C]D$JN??@@AQ\\UD*D!-R&(0`I+;A@7NKC=Y:]`6/*;0Q"*[9VF8
M##</H!$>'78J0$THL880D-I5,\1MGTW;\5W!<_^W#1ERJ5XS+JD@NBYX7/N8
MK/1(80/Z2:!M$J$\&4(H:NU'([9OUO9:FA.G-,UW5OOW/6:[6M9^0CDQA%!<
M:+]=0FQ-^Z_BS938/W^K,NZ64[GX#YM_O\91]B-G,0]I%LC6>!J\\(\-@IC]
M@#FR7P?)RXR():-XN),E43B$'-UY$,&1T>.$,>AX#4R?L)R/CW[V];Y/V<(>
M^S+/VH_[>Z<^.Y">#0;%2Q$!6ZM/!_(_1VSQ;F#E&4';B]2N/L.Y1:DOJ5"4
M<LMUS(6N1S?UK,9G>[;U.X7&$;QN.*`CM%L)6:\J@4&AZ_KI?DWM]7S$LBV6
ML_PB2--I&(__#**"(8$9S06X"1VA"(5B&G.KH7:]7-ZKJOA\W'/9:^Y^7G`Q
M_,J]U_1LG#*V?'\O8U&D"[_0$P%B0JE:&VG);<>8#5TWG)J[@\?L[.(IH=7[
M=7<LQP)1C05<A/*O0J8K?7<MM*[?\6A4]#Z#W"A*OD/*X#I)+Y/B.1\5T3:]
M.H"H23A22GW`,%)1Z+P)Y,ZOV`TJOUT3+^&S29MOB\*NF;Y)>VZIA@!AE,),
M!!.W=14!L//+<BU?PF<[J_7^FFN"?6"O29HS2'AQH2/!&<\'^"E'G.IF5K9P
MN]Z\@(3:>(P^9?0N]V-+O,OQ@(]0K&DK'W/+V>1`UYT6$I;B,5B5T5MZ!'7-
M97T20$HH?+65E+G-"-G0=9^J<@(_+ZX-HGMH=`*2-*ZLD$[1W__DT_]Z'$S8
ML(!7;OX,TA"$N>@>>Q7G93KN"1'Y(F<!K(1\+0/Q*/*61M"KN\F[$;G'O,Y2
MQ+=AS&[X'W4'K]L#.`)*+9W,^*[06QG0ZKK=9;'Q7<BCXMTE>76'_#U-,NW-
M%\$0CH*4\LG8+-<S!:JNN]9NM-1GIR^90P>U=,4+9,S>DN@-WE#FD@GA9$]7
M;&DQ(_"`4))1*B1SOU@/VMY)YFO^KAB`1_=W%KF4.3<-Z95?`LT4W=A-ILH5
M=AM,C<>2=T<1?9:3+!H"GB=IFGSG:X46PO8(P$`H:2=ELL(KE8+J>BFK(Q7U
MFDE#=W=;[VMV2JE;E92MJNU]"TV-JW*[LUSZK->H=>!)J1V4E+6*H@L1'OM+
M;+NT/OILS51IMW4?I+VT)'!85D'>L_1QPE5"5_^JGP$P4@^6U*V9\"#M;Z;M
ME$K[O`>PDE4IF.RLR+F'%O[-M)<NY2,!$_7P2=,&20NNZTV.'*FNS]>_-F4$
M?43-U78V"K!0#ZS4;8/4P.S[`>V4NOKL>+(IGUZ19WD0#WD(;*JSE:&`BGKP
M=:+N8Z)'MSA'^/3.U=?K.2N7SR2)N"`RN`R43]$E$K*!'-$I]3CM1'/$JL&V
M4-P.GX`U(G:/05SE`GZ9).?+#Q?,A,59^,9NXD'RPFZ3++MC>6_T%/S`5__;
MS`J\(!7L:82F2%G48D#7#XK)*9552"F\;((DXNPM"",X$KU.TL<@8JO;GIPR
MQ<44%],#8$+Q9CVQ;9N88S9]V)IC6[.*@>O8VB5+PS>NV6\L^U<11.$(+F.?
M97^PX=B1N>F^`+`)A<OUA%?+XI"<ZGJM-#FCLXKDZQ@=7U%9.(XO"BZY>#!]
M2H,XBV;*/OQ/D>40.3BQ/>2'@`F$`O]ZHJQE@F8,Z_K%.'*6:)64J+?]C7B$
M/CQG,?]##IW17&UZHGG[7`$(92GJ":KF5J?@3^>K=UJ^,^&S*%A&V_GT(@JR
M+!R%@U*U>Z/ROTS/?H2Z?*7-E,`%2LD/(]G),R$U6$'A\A`=Y?!Y_7J3,"&$
MZ67R$H2Q[O3&8"I`32BNJB$XQ7F/.3\HV(5'C?!X:BDF[3X-7X)T.O,$!B'_
MXQ?V\LQ2FW5`.AD@)Q3@6`C-<(_0<4)D!<0Z<7>Q^3;?>M]E(U:.FU+27"04
MQ29B`;7KB6^?JN*U<F9&ZV7!X+7H\R#^AGGD<6,$8*"TFUCP7VL-`KP?.E^#
MYQ[+;1:.P3GCGD(\OF2OT+8BNXDQZJ\>S)%1*KNQD8K<$E#0NWX8X],H?);N
MJ(E$`)4/!F2$<E$V4E%O#UKH73\7\6H4G@.(ME[0XD@)A0PV4E(;"9H%]J<=
M%!Y2K!DM>TS+-M>@F>,BE'@5,EVNNQAH77=ZFA2]70E7@[AL\``.2BJ,X+FA
M1L\1VL>T%*[F-ZK''K,TFPW8-5`V?P[4$\K/8#@MUUX)N,XOP?7\!H(]@MOK
MD<SQ4U)OD7#D^FP+M^LQ)06UL:NO:QF_*]S]_3U*Q7:V\G)@27-.=#U_3\""
M]CX1[+^Y16_I,K@"7TX&R`FE-&TEY\"6JNQXYSZ8SXY>TKMI.A32@7`<1&B[
M$+);$>/J<'6]IKJ>KOKL]"5]=EV?FU$-!52$EF0AR^7ZBD#VGA_TYASH7)]C
M3C.A`QTA0S59EC4@76^16%/]?&:Q,9JWDA6E/+6(C8I-NXK!OG\AA6/`VS!X
M#J/2X<!&7]LCP*WVN.PM"GPTA"]^!M026O#D_)0KX`:4SB<(7"FANRX,3VGP
MQB*69A<3]E>!:=2F&07D$5KQY`S<UCH<LJX'U<Z4T.,1Q^+$ZCZ8EB^3E+?A
MP4V_2^+![%^0IXN*&0`CH6,,N13T)\MZE)T_O7"EU3[;#CIY-6-_;X]0FDC.
M9;G6RE%U/4GD2DOWO&;Y[1[.X%032@?)^:K*P6_!Z7H.R)E"^LX&5<C"I(0J
M/P?JR8=)>_KDT#:DKF>(G"FGSZ?MT7JY(3_R,=2>^D'Z+33=SA\UT1N8\X5&
MCW;4E:*-GP/UA*(C+9OEJBI!UO5D4T,:Z_-0?3@L7S,/HOL@'-[$%\%KR%<&
M7:0O'L6Q[!.*D[1,5P3Y2H!=3U<UH\;['@.H!Y8'T%ON*DACB&TK'>DNRUXH
M.F3Z"0`AH6!+*PJY<J.Q=CV!U9">>XS+:#7OY+P@%.5IA:;,Z=9@0-<S:.24
MRN\I2+T^^:N6P0MD;OAD\D7@(:$XHIXFU+9:"\YU/4XA9]$^(QP<U1>S'_&_
MNY@$\9AE-S$'\CMWE,H6X5RQX7+_=91\G[7FOQJ-V,"QC=>C@?/Y@%#T54];
M:EN]$UYV/="CM@X<T'^W"_,8@%NK-_DB\)!0$%I/$VK;N`7GNA[2DK-H^L'P
MQK,#\)^Y@L2S,?<)A\+R,"W[TI9O$KBU;MNO`V\)!=?U-*2VI=?DHD6$?CJS
M^IB-@;8/JU^7J=]^-R94N^4!8"=TBEQ/@L[R87.NV!?N[.YI]+Y'2]DFS!@)
M(""D[UI6RU5:BJWK6CMOJ=\;78=Q$`_"(+J'^QT@'*S^ZJ<`"_>9E:USKVWO
M@%`NU(#9BN59A+#K.<L6-=EG1YQ*W5<\M-YSL--PM(>$<H(&`D*5P6&P=SV'
MYT%C?%;".ZI//224)3-D/4[SUZ%V??'WH.0^6VXG+R]AF9T$,B^2.`_C,>.K
MH;:@63$2,!%*&!F*0J[T>L@?*[PQQTE%I2[B[$-"4:JA($QBU@W$73_-\*#Y
M/IO(:LBLB1+0$8IT#85B[^_/<;M]4L'_NXC+O\QZHUG*U=?CB+.O+^E!&J5D
M5']_WV>_EP?VQN("'5QL_ARH)^1DJ7DL-RD)K*Y'$?6%Z[-`Y2Z)P_GK8S.Y
M(F%(QP$>0F&PA-UR+=4!Z[JZ-B)P*_]&V,;H,LS*3B=SN4F($OP2R"#DB.C8
MM:V`<DP?*B?@H<=T^C5CLZS`RTN804U(=L$%$L(37D-=+D4YEN.BE#C7\5^^
MB&)0=CV!TH16VR7!%?W@*A(HWX63YOI40X`P0ENZCH'BI54#KNM)C4:TT6/(
MM+V"8-X:D(P"+(0"*!W/3=;5*KZN7PEL1(<])IVWZ"J%U7ME:0#'"?/\BB$V
MT1R`DU`J6B</@^!+@;;K';L:T7:/B>8MNDQQ`/T=B>#4N6,9,OLV7A2*_ASD
MN3SZ$S=S@?#=\S)\"X<L'LY7F,7B@LXP8R<"Q(2\#HE`Y&ILC+3K$9T?'3GT
MF,FH$,I=RT6-??6!*CQ2R00<X1&AG(:Q:%#VH<;>]?R='[LX\G@J(B44_?P7
M8@;`2"BM8BP<BYUC"_S'EF'%?0*.U(RZQ;L>_P[SR;*X^B;.\C`O0(>Q9H*<
M#;`3<JF,A:8W&3-&=#UKZ<E\/.:$](361@H("66#C$53)R*98W=;EM7!2)N`
MAE_]>&5QALUJ248!%D*Z+&&U7F/%L'9E^78EZB./Z<L-JI!/M$E&`19"J4PU
MQ]':NX%N5\):9]I+()$SI\K\`2+]!!SA,<%$CE@.:)V6`]V5T-25>A\3R,?,
MJ3)XN4@Q$C`1S+^(.8]6:`'"#S=C@Y\$TB=SJLPP`.T$TQ]B#J,U=HZJVS&;
M<QTE$,'-8NLY;7<,"V9S&*`A%,.I>8[-T&W!ZW9''^>WK1P^;`SL603>9?,O
MW!J*&@NDDM)-%4.W==,$H[T_NY,*ZC'5<)\F;R%4;UXG*1P8EX?%B[Z2T.(.
MG?HSF`DPDTI)J"0C7X7-$7?=^_6E+<=$+.0R*9[S41$MGL`V`+DY%%`1L@%S
M>>#L0@*[Z_DZ;X;@,:^W2>FBM&A&I"',]<$<V6="^3QSF>`W"2'PKN?W?)G#
M9X]YP"JE%>H,\%5&`19"^3]S*>`,8!OQAT=DR7./>4,$I?6Q`D9"^45SZ=2*
M&^;HNYZ'=!PG6SD_=HF<LQ'_UZ6@LE)2"L6N-2>'MD?(^U$+P#+QH\'^H>A5
M/N_1:,)C=GX@'PB("#DW:K[+EVTMP!VZ!>I0])_=I=^_!.DW!J65?"%Y24!U
M'MAW:.,!]]#Y/U_8RS-+'UGZ%@Z42[791`""4&)>RVWQ$FV%N>MYFH94VF</
MS>`Y2;G('ECY.@WN[%X\")`02D%J62Y?FI7XNIY<:4B'/682RT!GFSH-',DH
MCN6$D/>L9;I<B]4`[3,E?+8=5>(34HZR,1)`0,@QUK+:Q#>>8_L([-8"#*_5
M?LM78^'MY_(9@8*[@_/[2CPH/V>C))U?'G\*?K#L2Q@G:9A/*W>=UF>9]9_^
MPO))PO_+&YN].*NO[VZ-$N`YH2RB6C/DYM4^Q[K='\:YW7JM@)S+=+ZPSI^`
M16'9&@58"(6R:H[K[$&&;JZ[G[OI*3G77:\7V73K5NVM`A`2"F+5<JBSPL^!
MSI7[Y&-A+IGJ]9Y;561EN^Q2:FRX$AKR$6:3J3CJ?4+QKEHV6(5'09ZK_FE7
M$SFNE7_?9_3+\I4$=8%O];=`-Z&85\U=1<`KP+1(EG_Z6)M+!GH,=J^"-(;[
ML_<L?9QP93@/LG"`1*0<"[@Z$5#N*P-*#,:%.G?V\*=))3@AG<GA5)<$EZ37
M=K'79@/LA`P`(Z<Z7K<(>]</11NU"^^9$IQ+:6\A!O,"/PAE6S"R<^.PB[C0
M]6/81JW&8XY&2)L-'L!!*!.#X;FA@S1'6.,D=A?=?(\K_J:4+L.HR-G0TBHW
M1@,V0JNW6@)X31:C7/@T.[,\NU:%$S*91HF;.B?9F<M?G8_C/R64<\1)JZ;;
M+\"_:XZ_:QLY]=J6R\@]M;86HYF!)X22G3@).@L!!)S8M2#`N041RIG.J;/#
M!%@(IXG$G#=VHN8H/P*"-7?4W0O,_V;A>`)RXM8?C-E=`5<4>J-2!%FOR+,\
MB(=<+K/8#CIQ8\S1P<P`DU"LJQ;&MEJ[X\#")6J]++ES^G+J,4XVHEYC^$9S
M`6X",;0["<JW"!N^^`LHNF<^'E.D$NJK_FT5A)T!R68#[`2V&G=2-#8A#6>Z
M'E,X][\\9JK@->@D?LR3P;?%JR@KGYD-(OX/74"!F8*C/""4CU++0J[O!E`7
M.X6S![7_^5N58;><Q,5_V/S[-4ZR'SFG<B7$-5X&+RP-!T',?L`<V:^<*S,2
M+I-!`9Q9_).O#5=Q7MY.&"7I2_FIG]WL8:I/(#8JS/#^_D']EL@9&_PZ3MY^
M&[)P9E[\#YM6Q?^J/Z/B@8U#^'B<WP72UXQE/P=ZB3AA!NS=-AL-OJHSY<@A
M:DF9:KLV9LITP4E*X0VW(?OQ?]A4JTT;OP>*B3@D!@Q6J9,88-6OZ)8^U78`
ML/JT(.B)3ZM0H^K/.'T46CT:LE.L/0)<U51@IY2F?BM%4Z7AGDZ8<)J&E]QO
M0FC/VN^!8@(G*X8,5JN1"&#U_G2W]*GV2096G\XX-4.@Z#H*9+'WUN^`0@+G
M$X8,%>N/"%BU%U6W]*8USWI!T'68#8+HOUF07O._D5UF48P`JKOE7XN[1.DA
M5F^%=TNK6G.QUQDX6]+-]*HR!BCOEJLM[M.$`5F]M=TMW6K-W;XHTG3--O7.
MDVP(IYM"UR1#-HLU2X.Q>F.Z4XI5O[N165[@WRR*_D^<?(\?69`E,1O>9%G!
M4H5V*<<!@FZYZ.(>1UB@U>O)W=*SUESU&15_)E'!=2"=7H<12U4;H_#W0'&W
M7'?Q)30=P+7KQ-U2J):SX_,-X(&])BET.(63&*7#I1H&]'?+FQ??VT+B7+OE
MVRTM:SEM7AKG!?<KQDFJ3YJO_1JH[98?+[X=I8:W=H>D6ZK4F@L_H^*^>(["
MP764!#+BA;_EE%*XAF'(6)4:;8-;*RCLE!+5O_U@N.NMJ@>P)4BXP8"E6XZ[
M^-J"$=JU`HMNZ5W[F?9+E@W2\+4LVT`DW"L_!WJ[Y;R++P9H\"VT:2W_WF[)
M39@-HB0KH"GHHKGG(QL4:9B'+'L*GB.6.2JYD7\`H>3ZP<!2C[73CX,)&Q81
MZXW.WH(P`M*ND_0QB-B*X`<V2.)!&(6E!$ORG[C8SCE9WS3E;G6G!^X0"5?0
MHMPV)\?<(%97W8*!>*R.7LGL:YRR(`K_YKQ.LJP75]H*6]H$>D;@`9$("RTP
MC!F8,L!?,;0OS7?W*)QBR0$=ZHVN@S#],X@*]I2<O4`NA8OE(LERG5Z[F;R_
M?_B)2/2'ELRVBCOEA;_70_UH^^$GCS?L?P_">'L10B[IZL&`C$C$B1:#?/5&
M8;5_&*.KJNNU8^)2#A=1D&7A*&3#\RET_@#JBB#Z$N1`^!3.C8U\E3I3`U>(
M!,-H$<K5W@$G7+^@2"CBOF0YW_2:#+GG7["TUXW17""')&(*N:]0:I"#Z+J<
M!_`2CA_$TJD71U=QU[L[TUV9'WGTI[X$_TE2N#J0]4:7[+G,0Y9O\JS(//L1
MZIJK(V<!K`0\+%L9R37=##\%/6]=[AX=+P25E\D+]Y?KHYW-`W@)N%1V4JJE
MY6OX.Z+G[F7O\:#@ZV-Y`QS>4[Y/(D[7((@>B^=A.'_S_DOYP+(&+&X20$H@
MZ6\K(;F>&\%_MTKNT3'_^OA[PF.MN#PX';-X4#JGSQ57%:GFN&D`+0&WW%9*
M*D4W8D"]N\@=5G6/O4R^/CZE+.#Q_-18N64#.:)C`BE\6TFHU%D#N=Z]Z.XJ
M\+''`/,B25^3E&^G%@NT<BS@(A1,FLI#KL88U/5N9'=8DWV&D4F:CX,Q.P\&
MW]AP15QY_V9X/JWNIH^OW$],4@9%72Q]3<,,J?)N/@*<ZE8`NB9A10CJDCWU
MKJ=WV(A\/I:Q013**,2#`$E'XT]Q:RD4W'JWWSNLM![CS6N^BH3C>+6T6/@R
MJ#D`9T<C37%[*QOT]>[@=UC#G1>1;1]G]/()2Y7ZBAW.":;00LN6T=NJ:@B\
MWH7^[AY6'GI,AF#HO`UC=I.S%]W1E=%<D'H@I.RF\JIW1+_)!0II0)^:\,FC
M^RRG\#R(@GC`'B>,S2]9L^'92U+$N:X8Q\G<P!="SKB-3.56XH(S77^VB[3F
M>8P-Y+2O%8U;<V!M%L!**#YP(3<;JQ/QY,.^&K0OCSZ?G/;?TR3+5E>3H.!=
MM]6;3<:1[Q'R^EQ(T<;:%*SI^JL7E(UNS^.A'5H9X(:)*YN#N0`WH4,]%S)T
M8'(5SEA<-CN=65S,QD$^_RU%S2)@<1X/%^6T6X,&1(0.`5U(Q\:6YFRPO^HF
M>B*PU3L]%Y,@'K/L)CX;#(J7(@(S+A.2%\D+_^F$Q5GX5KZ(.WL#R/QZCQL=
M7MT]6EZI0EJN8B2D6[V6KU18/&/O79*C+^;IA@,Z0ON=7@ZJLA445-=QFJ?;
M=:8V:=OKICDMGC^1C;10Q`P@8(\[Z"KE)Z`5!&'9_0,U&V`GM-?BI84Y&C#A
M0-?3,*U9BL=#A`=XU:^\&CTHE;-7</*4ZUAE#<,:D)N/`*<('2O@92NW*Z>,
M<9V`Z<AN:GV/O5N+A,^&6@B-7&X"NA#58"I`3>B$`R\G16AJ#I_"I3)O"G!T
MX#/SB2,56UM@.AV@)Q0/6@BNMAUL\H)"N8EWK3BL_W:4/7H5C8O5</:4$O][
MN($%[T:7_T3NAO4_`!PBM&U8"EAN.\XXU/7XK!NZ:/>8C;"45T8/IV7C3!8H
M9$L:%>6]ME,",$))#F>2VC8[!USJ^M%X1PS-*HUB9&B;\?IUDCYL2_\FSI.K
M((W#>%S'!.T_!LP@E"EQ)ETSXZS-/W_-7-^5V5IYLT9F.[]Q-'MV:C!]2H,X
MBV:6,/Q/,6MMIZ;7PGSK?Q280\B1=29M,S-VQD=_#6[?E3F[N[FF\+HJ"_@#
M*V.KI^0/-AS#E:]5N\J;>*X\O5>6EBI3TR6N_5G(Z1$J(W4F<6.WV14G73?H
M_3!JD8CKOR3FGD.7;!3&;'C.8OZ'_#[BVX)@0X#+`=RL\CP-GXN\/#9+[DO[
ML.1;W<\"-PEE=9VIAWF^RA$GJTT0/E:`QE:`5K)8L[/?>GOT^AQ`^J[EJ<0/
MP-FPI=I>H7XA[(?E"-TC^B>8&H.SG`VP[]I.=^+B5'.#0?;',*\EN8]YD.8?
MIHA9.'W>UO=LBA3>9'0N3)>F6'FF\<36%*]B[W>J_%7J^*SWAA[=$#;,^OP`
MI4D,[_X@WBU0C@5<A-Q'"Y'(300#G$+Q6:/"]=[^<$D2JH>8<`S@(+2Z8W@N
MUTH50@K:Z%)JAS3\$64B!M70T&PR0$Y(7U7203D8>,A=SU8[7;)\-A)9"6^M
MA&=U\K!X,M-4_5'3@380.@5220AE`":@NUX+Y73]IY$:FA_'@:BNN8)<LBP<
MQZ6/F?ZKX$(=3<-X?!%DD^LH^3X[I+,P"[M/`)<()9%4DL2:2BU&=+TFR:GY
M^.S1L1*IL"+%U$`4DP!20C&H2AHH$]!#[7JECE,WB?:]/U,]5\\#>`E5O*ED
M4BOUN(;6/O_OO1O-ZM;N8_'R$J33WNB1[V=ER6V<<T9`XQZ^H<'3>?"@V(YU
MHSGR^2)U+QT'<?AW*<X+>-TD"H<S(XF']Q51]T;781S$@S"(EIF93`!+=P#C
M^'/`/4*FKI>SHL"E&=;L2G><I%P"%B\*EI?U`2KW=KVM!^!^K^B:(M<"R2@0
ME\=<Q@955UD>OG#ELL.T.9ICH]3L7BT!N87B4';]/F3CFN`Q7;%!W0,4,_5&
M]_QOP^>H//3Z$L;A2_%BAE(^#^`EE'C`20=M`5K<'[:@X;;'W`-"EL$/-[8P
MFP?P$LI`X*13RQ;6<.](8Z558K[R#M+,']LW=\2$I;V*3V@L#SFZOW_LLR.,
MAT>6CBGT@#&3CJ+DQ!`WA0-_+S(GT3NS]>>4CBG56IG*JY[6;W*!0J<CCYIP
M=$3R8:V9UU`DQ49#?NX[A*6*UFU.C_T`<(A0"8V-=!4)=%?LH;!]=$292+Z:
MI0-0GIB#PK^QE9O;.-N47P5>$DIK.U..)JP5P\ANFS!1!27YA-=-+$:3">'<
M%7""6D;MLU_=\JCW:1+$O9C]-PNT)](MD<&Y?4PH?]ZL3MFL$8VPN^O)RUU;
M<(XI/%\V2M+,I>K]SL?F+"VU+[WZBX]Y2@P7GQ9)`BD02"2UHVN(A:A]UG>]
M\'GG%B4*+[RY5L,]7TO/'G"44/:N6;WQL,`L&&Q?`)XG>1!U=A%I,QMRW,GD
MXW40IG\&4='\TKKU)>`9H72D,R5H(NLA8QZ%C']GE:^3Z<M%\/KTG45O[`O_
M]21;HFN,?\JO`B]W(GTITY(F+!K#T?>;DO"\,I#,=>J05#6IE]XF\9BES:\,
MRJ]R7G[>B4RF3$N:6!DP''V_>0&_*X//EZ0=(&F>5\"CG4@9RJ3?J'<_Y]Y'
MN-Y\N.[SI>D:`,;CE(V#O"PX9KKZV,:^!_S;B;S=AD(T4EZD9&'5U#_4L08O
M.YE]6P2!>_LS=V\#7^/AO.2[P,_=R,PI]:7)L%[-V?<;V!-:,3J9_EOHU2(P
M;&O%T'P7^+D3*4"UOC2Q8N`X^WX#?D(K1B?3@FVM$-MZ>[(3J3^U/K00,<PY
MV>VD@)<+<>[>=GT`G>V-EHF:I^3L!1X9XI*[2+)<T50:.1K()>1RF[)YVPS,
M<->KV/<G,G?/D&H^J&P'AQX/)!-PT\P8;*5;:WC;URYWXG+W,J;FD^<L_\Y8
M?!?&+)^>Q<->S/XHXB'?9.Y9.M!UIW3W`0Z:0I]C4R%9::D92SJLQG9-BVU(
M7B1@9CQUI+J*20$<@0,O4V%8J:N>#:)Z-$^=2Q[XW.D;R[C?,O.CYWTG]ARU
M+;D(TN%+B?V!#5CX!MY0QFUX_C+MXO-7;YR1\!>/C$N1_R$"0[](HH@-H'HW
MFG(";UY>.<NA30:BXTFS'P9!>CP:FS<[C,<K;#?Q,'P+AT401=,EJ#7:-3&#
MU9S`!P)'7*T)7![(UF&?OT3W>[-9C^=?`@4YBZ+D._]+B!HON,C#?+8&ZQ5'
M=QG%[<>`<P3"[M94Q,C*Z_/57];ZO9F_Q\,L@>9427:U9>OG!#X0R6ZT(G`C
M8T:SS]]C(>_-9CT>)QFL]DW8LOVW.-\H])9N34&<;-AHMKI^0X58Z'_@//2_
M3>#=OE97([>?!,&[R\UM4"F@";-P6,P$,(ADX1J6E#AQ9\<NLM'Y3IB5519-
MG/*>$].+W1F8]9P`C5QBK!'I27+D-1E'-B;>":-S5_(ADZZ4#(O=3#H70"&7
MEVI$6F;[F8YA9(/7G3`NA]4NVD74QLQJS`KPR.6.&I&@[:ZF8UVG8\?ETVJK
MI]@X>Y?OK?5&B]=UL_M2AA.6\WDB7T^1+2FK$(8LC%8-Y9+TV77Q/DT&C`W+
M-XZAU+`WXG_SRM)\>A_!RY#Q$-[6?$6DG`QF`LP$(D<#\<A30N:PNWZMH#E#
ML+M0*'G@9I"R(&.7;/;/F_B2/>=7/P83>$1(5?6,'`WD$O`6#3@KWH3P4!LH
MA6M%2NX\*/4';S4O;!C,`&03\8SP3+;1KTW$]7JK>1>:7<-V(=EP,>V)I2_P
M*?#[!ODEU`96OZP@&3$:=B,BISIF#!;K&1ZQ10;V=+;_QN4-H:';>+65-="=
M7JH_J+GAH1_,B:5PA<V,M38K7P5LZQNK$RFY.\&:F6MO5/U*+ZX:M+8F'CL%
M$$X@\C#BLD2[S!`WH6/MBLW=T<Y=$H./K+V@L/8[(('($8PAU\3Z(P(G4A)/
MY01G6<:6[U?^77[#XA%ZH?A%4R.2O*IAP#]WL:OH2T^<H>=\BF^&%"['`8D$
MXE4D)\4ZBP'H^GR]5?U?7@):5,\`NB*(+%3?4<W:@J"596)S/:JA_?W/GSPF
M/5=]!D&A(-M_&P;/851>L?["-V-.Z[`7/X"FI6$\YC_@RV6Z^-?S(`NS/\L4
M/;0.98-)'/Y5X.[2-_EIX"H!Y\9``>1IU1;X1.'%NAW61)\7VAQ`TR6&&OD6
M\(V`D]FBBC2[`FPREL+3#1U6SN,3G_W;2@B"347#`^DXP$,@R=ZDK.36I>-*
MU[LE[O#&ZO/6Z0+:^70.!(X<KU/&"8P'4T5>T6`&P$@@4FU1G(A-4,NNG3'8
MIE7+YZW-!84B^I3)4H,9`"/%;4TK%805:%&3BNF:EK+/NXP""K/JLJ=,KAO.
MPK'N$3@3-)>.F4;+D7O/RV_E)2T:^M#QZWR%]GL>4YX5RI'Y6\$(P$`QP>A0
M/G*3E?.#PJ;C3+X>TW:7?/5Y*Y_774H6#CD7?[D@>*H!AIT&T!)*MLGE(==)
M0ZCV,<)KV2;YC3VQU'NDX$S5/0;2%8H$.9CEBH7'I9H%L!(*J.720"V^"*3V
M%?;UVG8+3_.W?"=$K8%T#`=HUYV6CO?55@IMD6"ATMA6)]-F3T*JW*#@KW12
MDSI>LN`K[J'0J[<I?6CO_%+6ZK>+FMBZY5(H1CB?+O_X1\A2KKN3Z2U[8Y%9
M;ELQ"2`E%-&XEB#JF$3/'E+;7SM*0>'(L)KIW";7.B\NG0MP$XIZC(1EF#C6
ML("4POM0`PI'?C?Q:Y%GI:#WS`Y'MD<")HI'?`;R0&BX%/>[UV<*&8"*=/:M
M]7E_*5<*#4;KR,-,G]=QD_+J/>BS73/,YO3YP%J?#U9RI1CS&LC#3)_7<8O>
M5V_UN/IL,$@*CK'2I9?''M!9:9YZ.W9UE4SZH<7%'<S%,O0DP%]WUR`%S8R_
M),-PQ%E:WJRZ#$<CQG5LP.Y3(.D^R?+J#_@PD/3P)GYC6:YI$^;^8\`,`L&N
ME02WK:M1'G6]-G#9W.:\R,*8F_HC&Y>+&")(5H[E_#GUF!J:DX+:5-=^"W03
MT'T3'LLW%!$R"BY^+>FXNPW\]1&Z`SZR]"T<0-I,<VE=]',@B%`J1,0L\8JH
M`--Y#7'9EBIG:5Q*,HB,E$4S$L@DE&<0L5"L-SA<#32;TGJ>M?S![8-CA[V7
M/?BR!-8D&X:+=<X8^@ZHWZG'R'WU7+K`;WY*DX+_8PC-4!ZX,YP6@[R`0R7#
M!^_-IP:N$(C];22I<-'J,X3$?DU796B]2[46=J++1K#S]/=//A%*]SH0G2);
M9L@44>[L'2C$9[L^]^W@O2O`:>R-+I*X7"ZS_9K`MR<$#A#RM$TE9Z__4E9T
M/6?EQ8@([R+Z9&5=JT)\@?.(0L];6]G:FQF>-S5JYPG<#?%A=7;/-XCC-[YV
M!6-6IB^X7!Z"G#UPWV0`WSR?7D1!5CZ+47TL1!7)F<\&<`A$+[9BD$3FUGSP
M][11A\W!W0GE7'#WP116*&AN>@7GP1G_I%[M1:.`/$+G)J9L5:JW`J_K9X(^
MXO9Y\'?BM8NE`<&8:F+#Z0`]H:W"@2"-W"L,;RCDO`AHB<_+%P;DXFK;C"<$
M#M#><S`"=&,;:QSIFG4TJ!^-O:"J/0$6_AY((G`V5YNG8G])!?E#)Y?\<U>?
ML&+XB@`3S=P:!>31SI;B^*O33QEP"@7CA'URCUG0!BL53RCU0',@(L5I,X(1
M(A.@56/^V?M#M0WHH,\6"#6J[4XHM2#`\%AA'`)D%+R66M)QES)T4BU[0ND6
MO8A98L=!`8:$QU!'0UR^#-Q8M>P)I0OG(A:*]0:'JX$7Y%HN5SSQV3J+KK],
MI4&6J205>V1]AI#84NFJ#.%JK0;.-$\H=5MP(#K[.I)-IKS3<L43GZV<=70^
M%L]9V8T\OV2CH(CRK1J[O9J<0'P!>$0HYC*5K;V%X'GS4>%H(1M:9XEJR6\7
MV3DW/,$G@$N$PE=3Z3JT/#ES[(L<:9@>8<^05@ERRZ4.E+H8.1"DTX*8(R)1
M%0$MH>4\>CA<)M4=R4Z`C@MBCHBD\8GHA[L#`5<%,11Z#=7FJ5E!S&;KH'>N
MDTT4:;DKB*'03*$V?VT*8NJW4MAUG]SGW=HFBQ$HW9AU("+[@I@C24U8JP4Q
M%SP$3Z)PR$D=+@F&BU7)"__E!"ZDO+&;F/^>W9=LG;"<3Q1Y+Y/IC694G<5#
M`:W()Z8,9P.A647*POVDQWF9"KYVFV0FS7M,IN$`*-VDM6._>+NQ8$,#9^.>
M9.HQ-%61>O86A!&LE==)^AA$[!$>B2C?D7@*?FA,TWI>X`>!0-52C/+MI"Y#
M_!U<4+(4CR<1,E)7+S]F_^+DAJ,IY"RR/]AP7,KO/DE+O<WS-'PN\M(U26:;
ML:4-U?@B\)!`3&TI>G/KJL\J?Z<6E.S.XULV*E+Y>LG"<7Q1I-"A>?J4!G$6
MS11Y^)]B=OQ4;Z]"?@%X1"`78"E:NUW+C#7^NCI0LB./20$5J?>SS@7<?R]_
M!8UK4AXHSEXM.&<Q&X7Y?01=-6L9D\EG@%L$4@V60K:S*`O^N.XRT6KV8O68
ML+P,U=&C$>5<=TG.=_TT&+(%BRNYS0HQ>KNWF0XD1NN@OM3><_[-;^:Y^]58
MCNLS@:Q$3;$8'2UN@7<=G;5JALL\CD$V\;TF$#][S-7<L7RU5VB0K?T6Z":0
M4ZG'=;F!BK!VO<[3NYX3S+2`>+FL>R-UX([DB:.O`*\(9%3J2=K.737G4M=+
M0#NGF03S-LMD]RA)L[5D]RIM@$!IR4-'7P?>$LCW-*,QYJN!6Z[:[]T4NN%V
M;HT@F)-2INV;6QSJ?A:X22!GU8R..#Y\P;.SV\VQ.[<<>$Q1R5"(3AJ"LI,T
M]VZ%YP[-K1&-T,+Y?D(@A=:,-IDO'$WRV/X<ZF,U,9?_"<'2IDLV"F,VK)ZG
MM+%PU/TL<)-0$L^MCM@X%T[8:7%^=CI;#F(VACSY.\\3GA#/$SI8Z0!EIS-\
M)[4S?',6U-@[DSR(WKNI>$S&"2A#6HAB)&`BE`2SDXC<,/3([8LO1/;@J?3B
M@<^=\A"=.]U@\FS1^&M1V>+MI'=YN6=1'%(>[)='_%RRHAL_1K>ZC&;M[Y_Z
M[,*Z1NNB,F9%XBVRZ0MV&D!+R-6L)S.Y@1NR@\)]Q]85X<3ND5QA#=9]FKR%
M4.!676OF3X)E%Y,@'3.X=<H7V7^G8<[%/<I*YT11AV4[)1<II==P#>6QK=(.
M>-'UBHGVUTB[=Z@PIC%;V&Y9D+%-0=:P#I-9`1ZA+<!0*B@#L6!'MX\B/%B(
MQ^S`GT%4S%0UBI+OW$,HB5UXN]"FC*];(=.AQ4X#:`EE"0R%)'>2#/%W_?%.
M#S;B,2VPE.E\0:RNAW/13GNC\Z!LHJ#%;#09(">4/#`4F"*HL.%"U]\*]6`U
M[E[*JDJL4N*_6MI6XGJZ?%"X6V83`0A"Q2*&O!=[6%8<F"O_T8?RHP7@+B;?
M7*YJJKUJ"DXXI=>T#/FM5W@$]KFJ'W=5U<GE9#W&%UA:SZ<5NCE1B!Y<=:8&
MKA"*0^K)%IF[M6,1A2Z+A)7(8UBR3A"JNZ1H"*"@&F+8"41N#PK\%/3<H43=
M.?Y?XZ#()TD:_LV&^:K&,)NUO=0_8X<8#@03<O(5/!7[-P88NWY^X%!%W;GG
M\TK8P;P2-E_5O@;+8C>LOAK/Q:%0ZJVOX+98>6T!=_V6HCM-MFN:KVF__!S$
MW]+B-1],TWD6&:G`V"F`<$)G5PK>BO76$&?74^X.U=5=!_ORU"^$^!^IG.(!
M0!2A:$S!-[$J*E'YRUIC'ATH3ZDB*-%>'%9M%+8AVOS83LD91./94R)I&@)>
MA`-QRJ.O>JP1!6B>BD$O)D$\9ME-S'$4+T7)G.T"<3C+6MS"*!FVY[T=T-5?
M19A/@<HD9H:=[D5C^P>?]CQ:\`9)J$U1.(;CV"=@?28\EYN9"B&%+(=3J?DM
M-UX8_QW+O\8I"R+(`*S>]/N=$PFK@-(MLIT.T!/RWU424B:H;4!W/8OBU`3\
MGNY4Q+<0U357D$N6A>.XW!C355N#BR";7$?)]UES`PNSL/L$<(E0?*&2)-94
M:C&BZZD;I^;CL[!L)5+A?7U3`U%,`D@)G?*HI($R`3W4KB=\G"JYQ^Y%RAAI
M%A^9ZKEZ'L!+Z#1))1.4JJ/0UKAD2:#F7G&)%'G1&#$#!$X>[>"!#:(@RY:/
M@O>*O$R$Z,2,23K5FAOX0LA>\))4GO/7Y@>%4)FRSNQ[3/QLTKYR`;`H;I'U
MI@Z_Q'EV0"C)Y$+^>`NLS[>J/_>A=R;\VS^U>R#843_V)`YC[F2P;-Y_O"2X
M]\I2#BP>SQOEJ[F!F@-P$@IQW$M0;FTF_+'/G;TF60A]*I\(>(R=M41WA7DH
MH<M;UYA,`803<A'=BT1\KF_(GJZGU3IK4^XJ"5$2Y^%(79OB4W#"*3U3[%XD
M-6QJQ9ZN9_&Z:E,^7UN^F>O'U8]73AZ[3>(Q=SE>X):8A@>*D8")T'&I>VG)
MO4,]5[J=/>RLC;DKQ%2(6.T!J@<"D80.3MVS7[Q'H9C2]0O9G;4:JUR&J=6H
M?3SU0"!R9Q,1XI>0T4SI^MWNSEJ-[_=K*G[_7$$T^"6C`,O.IB(0CR)+.3*W
MK,\?>3TO]N4N!R$1L]J/DP_BQ%%X>+@YMHMW(RU#YO9R\K$3M6LI=F\#FUB*
MVG>3#P+B=C9%('X<&,60N:6<?EA*RY;B^**FX'.;!)<=R68E^%!AG,U:OG+/
M/KD*4JXA8]V3(<U\#)BQLWD(\=/"C3)R<0;\:5=,FE)AU(''U+DM[8B+@'6F
M!JX0WEEM).R^^+#"J"[7'K:@2AYO/-F2CFW84&-RX`SA3=)"R.YM;(U37;:R
MEO3);WL[*^)1ETGJ30Z<(9S@MQ*S>UM;XU77;^R2=C@]YO:;;"UQ0#C/;R,C
MN8EA."%Z6*OE_B=P)S_,"_[7YIU,A&F)\R+C@7"6<<#/85P2N^JR@N@\A!H/
M_/-X5T5)(_30.><?_Z8Q%=PD'"F5)D(FDI';A1%LUUM,J\9UEF4L?V2#(@WS
M\.]RYD6?)4>VIO@"PM(0H[D8[.Z9",E=?@ON>A=9GJEV4OD`((J`JV;&0G$V
M4`FP7BS3M`1J.R@9&_PZ3MY^&[)PMO+R/VPNN/RO^K=L'$17,=^EI@H'1/!+
MH)*`NZ%EX[9JR,&XBV];87_M/1I+Y>RSR@AZ\V></@K%^G+.B?5"`*%]I;!D
MM[MCXK/YIGLUVW1GCWR6IJ7M5ZH;"H022&Q+^"?>1Y"8.J,H[DY)-SASR_VX
M,!Y;:<KV6""50'I6PD&4JDA!U7OTN6'OPV'!<.G"E3VW9I_0U04HQP!I1%Q3
M)>\DJJ&!U8!*N.:^S[?J'QCW^,-!SH;0I^TL+O\!V9^W((+$CS9EJ!X.Z`CL
M2Q@)J!+/*)"=COM7Z8QJ>FVCP[*C#(#@"XC(7S$*3-UC[GF6+/W"\DE2:1C:
M^QZS-)N$K_<L'8"TQKK\.WH>P$LD2-1+16Y7IGC]G=VTI\;>NUAOBB.[#L(4
MGI5FJR7"2H]%$W'$%&K"<7(Q560%8'\=&EK39(?EU;#=SMC*AN?3ITF8#N^#
M-)_>Q/]?$L;YGYS7<J7$3P!$$_%5]*P5.\-&0/VU-&A/"=W%Y)K-Z@\6K7%<
M0;+A3`"#0+R.8[98+>T0$WNPIA']=)<2N&2#),Z2*!R66@'UU[T4"K#/7N")
MDW,V2E+-W2WL%$`XD82!GKUBC32$ZN^.?7NJZ*XAF(:Y9Z.<I;4T<3$#D-V)
M..BSM+67&5+7M]:]EQ:4^3V+O(*C=L_"=`ZVT[-R,`B,Q)MBNN05MO+'8D;.
M@Q,"T9V1P.1!GCT#.IT87#R1MGH,C0,NGTJ;+W-'OJQ7\$X;_Q,PN^)DGD\O
MH%ZR-Q+\&E$:ZN0;_8.]3Q[7`A0&.0)4A;^3;W`^[1%:+US*7KZLN.1<UXO;
M.Z6I33RV7*ZK!B\K5WX/)!'(7C7!9EFN2\X%"C>J.J7,[O)D*[&LOF.BTENC
M@#P"^:\F6*Y3;!DOZM4T.+YPLZB-?V3C%],+-Z*Q@-'C=;\Y*2CS6_LMT$T@
M*V;"8T6P(T!&85&M)1UW&:ZOCV"DCRQ]"P>(U4WT<R"(0.Y*Q2SQ\J0`TWD-
M<=<\K6Q".;LI%$1&RJ(9R<DD]42T@(5BO<'A:J)<3Y?!P%P[PLX!\9[/:[#+
M)-7-RVL0\O!/]IH].MVGFP@0$UC(;*2$2?8AX9-8^KP(W^?3YP*R%A3?(ENE
M8:8`E(1B:V/Q&&6?9.@IO'O6FKP_G?A\=T(NU;,WE@9C0<2I06TS)7"!D-8;
M"$ZN[S7XL(/)U:9LQV-?+(6`;]:>^^&^0EH$T:PHR=YZ%),")V@GKF3"L[(?
M/2>Z_BZ9)__*HS4UF>3;)V0;Q@)11`X(V.\X6/"8V>U2O<`^I4RRJ8!K'G8C
MV>-Z-Q%6U?SS-\#R'&2,_\O_#U!+`P04````"`!:?UQ%GYHS4I@;``#_?`$`
M$``<`&%X<"TR,#$T,#DS,"YX<V155`D``WOU3U1[]4]4=7@+``$$)0X```0Y
M`0``[5U;<]NXDG[?JOT/7#]E'AS;<9Q,4LF<DB_)>,NVO+:2.?LT19.0Q!,*
MT("D;9U?OPWP+EP(4I(#SG)>)A8;#32^1J,;E\:G?SPO0N<1T2@@^//>T>O#
M/0=AC_@!GGW>^S;YLO_KWC]^^\__^/1?^_O.+45+ER+?>5@YEZ?7SAF981(Y
MYT'DA21**'*N7>S.T`+AV/GGZ=V5\SUE_-$Y.GS]YO6Q\RT"OLZ7Y%]!'"7.
M_G[.^;L;!KX;`ZD3Q6Z<1!^=6S>*H*J4)O+F:.$ZL4MG*+YQ%RA:NA[ZO#>/
MX^7'@P/X@0:>B]'SDJ(H>NV1Q<&;PZ.WAQ^.F3PA;]$70A?G:.HF8?QY[Z\$
M:IP&R-]SH`-P5+!Z>GIZ_73\FM`9<#@\.OCG]=4]KSPC_.@^+PWK3>F?PP#_
MD+$_^O#APP'_FI,*E,\/-,R;<GS`/C^X$2HXP]=`0Q]@Z$OL%?288)PLY`7\
MF![$JR4Z`*)]H&)R5>OQXZ)<M9*3@_1C444S_XPWH.K`?Y]<C$G,D<]^27]=
M+@,\)96?^,^L!S[FW7"'I@[OOH^,\>>]*%@L0R8L_VU.T?3S'H"UGP/R)V#T
M&IJ94U`2(DWOL<\'#%90'=Z^J[+>G(5+/8&+@"XP(4M$XP!%%0@/MBN;YX9M
M98,B7A+:+YJ/IFU%@R(!#JR7+'0?VDH&15#X$D(Q;A,0PV'_^'9WJ;5YO&GE
M-'")'U$4,YM[C[R$!JS"<Q2[01A-T',,IC?:<P+_\][%U=WE^9_M"JZUMFQQ
M"?IOAV\/3TX.G?WJU+3OE-R=DKWS*JO`R6OXY=/!.C]5E0G,4&/\&__WNJG(
MN&0D)AS6!F1[!G6UUY7/ON4@;TD#1C!C%\C]FPMBAKM)04/<WQT)N'/NSAK[
M`??MX5[V]AU:$AJ[#R$:@Z$!D?#L'LW8D(M&V/^*R(RZRWG@95]+F.5ZT9V=
MF;8<G1P*VE+6Z125.GFMCHM]IZS7*2LN]&E0HUVJT83]V%I;LE)&2G%\>"1.
M'3JE<%ZE[`?@=PE\6\C-P#XZ:@GV@/$6O$/X$4W<9V.G4$EO:.6/1"N?,G4X
MU\$5V`7,(\\C"4R9=\A#P2,;33!E7Q&WF*/?*GS!YG*&KN#Q6]$5S)@[)7<^
MI7/^I1Z\'13@!13@N*,"'!LKP'%7!3@>%&`;DWF$*(3<7PB](A"#Y?B]J>*N
M)C($^>T;R02>\G2FA#HIUQ+:-P.TNX/6!%EC8&6QF1K8`=8=P*H/M^3$AE'6
MH3@[%_!^J<`[!%<[0]<05]-02H=H.6`'('?O6;WIZ%D93[K'XJ1KZ%D-T^]+
M*,!11P4X,E8`R3*[F0(<#0KP`@I0Q;^9V!1TT2,S`WV`?)>0ZYRTQE*FWEKK
M4'KPV[:%_`W!ESA&\#F^0X\()PS#B^<EPA%*!YA^0:5%><,%5<G""E2RG]?B
M9-5P=<@J<M(ZAB66+:B&,:`*/[!%>5.%$/W!U@HQ>(:[5PB%7]BBO*E"B/YA
M:X48/,4M3![G0/$(DD`0#IC^COQ9@&<C#WYH/);5KJ2A#_FKN$A0J8CK0U:5
M4]8U[-#]/-50S"&FA4W50O0HVJC%,'>\F#XHIA#3PJ;Z(,X?;?1AF#HZZ\,7
M-Z#?W3!I,@`2.D-L/XC.(F/FI-R&0;T%$,O./4NBF`#9.5J2*(@;]MZ5U(;0
MOA?->,[2R7D.(>!+`*P8M4IJ4X#%L:L!>!C!NP-8,0\KJ4T!%B=>#<##/-L9
M8,U=%X5QUI8PA/=$#+\:KL4,1GHK9UZ5T"G&L;:$*=CB6&X`>QC/+[E>O^%B
MG/%:G+AMUW8M;E"+W2W-ZK;OC$L;;N,=;;!Q,VSH[5H3NNJ`\5V7SN@/H&_!
M!2BNL33><S$&5#;!EQ=;!M0V1NT^F.%@RHCB[+Q#@&>W)`P\\)OR_\OQ-"MJ
MA/2;PT-Q#J_P=\H*G)RS\RK_UV"R=[XVKIO#S8J:GL/YM=.Z^#!W;TL1OB8N
MA1&'])@+5*;P?A#@+5D-,&X*8]F7V@A,)#/=V1`O$U?A&X*I#?%KN]W8_CB#
M\?ZD.!^WV)\<-&!GR^*M5L6-%\5%M-6+X@.XVP=7-]<J:$UGW/<FT`X3[[:0
M+>?#IKG7^-J9SF<:$-OU5-LIZ#'&MDNX,V"^=?MK9GF-436PN0.(&X,HVT(T
MWVPT!M,PT>(`:$=`A8-VAN?QC(-6T;F5'<<;G)_-`=2YL0*5\8K@B1:^P77=
M%GI-N)D[-3K$!J`Z`G4/TO-$[V<$1X3GDT=^\6,TGJ9;8[<NA3_G*`8FM1W7
M3N7-(,^NSQ;,F,-3J:3\$#EDFF_AO:K5-`S@KGH!/<TVQA!6;]7524PW7\6C
M=#4^`V`;>[`7+L70G]$MHF=DL2#X?@YCXN+V7NL)-98R/#?U1G2,<M8.\'92
MY@[G[KP"_K\,SM)+@*_SHIH*F9Z3$H^Y-T(_.%H[1[XEYL:6O#7:`\B[<M+.
MW&C^)21/M?'=3&SJA[UKX8<Q[@YG/\"]3;A/W9`]2W0_1RB.VKGCFJ*F&G"B
MU8"L`B>M8?#!7TP/5,.]3F0*\ML6(`^@[C;@-C'D&:4IO&]:1],#R%V],N(E
MK"_S_[.SYQ#DQJM+/"5TP26KN64F]*8XI\>;,T[5?_(3ZIRM4^$[@+RQZRW;
M"=+%6QIZT_5KXX>ZA@!KERAKEU1T!0RWF21/+>DO(PY`=U[QG+MXAJ)+//+`
M7C)1H&IP8EEX#*1SA*/@$;%TS.(,75D4;<O%--J6'*9+JW("[%0J<WAM3JTZ
MYQ6K\)=A5M],0[JCK#V)UXV7Z9K<]O1FF$M^G@))YIFN+`S7\25WI[HKSC`Y
M;4US[I/%PJ6K\51[4TYQN<ZLK.F.O'B/,JN`19`-%^T&3=C<AE3W38T>A=.6
M,+0+;R6I;JILAZR3+QQ[*')6:4N81A_B%D]#*I0A=]46P!;>DM$GO5&3&\(L
M&=*2)VB&?#<O`K(BC96:W!1D,8U%`?(7"<A#!JL7V*[M?JQ.P<)TC?A]IQW=
M86=OZV9@!*.NF*'_S452/4HBHS1UU=^)#Y$P=LX:OP'0CH`*]PCTCKB:W-":
M?Q"MN30;\."#;QU9A1<FH3/%4G2_I%@.;E=G$!L?\WK7\>FW=\:O@$DLL-G3
M;^\&V'<&^_N.L+\WAEV\M&D(^_L!]@WN+LA]YNH2]:;W6AJ9F;KBQ^]:N.*U
M1?;ARLN+OQK8UEX8.^@M7PH<0-Y9;"Z.ZTWM@KDI.-G,%`Q:L?'05ZVSZ>.Y
MQE*FBW2&S[L/X9TU6_*J%R6Z<C/=GI=LPVVZ/3]$F)OH$=L7"V*`0I7<ITIA
MO,4N7'JOLAG0ZAH82M92M4<Y=04,;?L[R3O@LC78X;3,QO#*!YW13*XK8`BT
MY`9TE>LP>^]V'&L?=E?3&YZG--U)&0Y+;HQMTR+<2<?%NQ/CQ3OQDH7AXMW)
M_V_8/QVXRV6`IR3[#?[&F*1BY3\%BR6AL8,!_VCI>JA0B*>GI]?/#S1\3>CL
M`&SI\4&`HYA=/=QS(F^.%NX5\3@K31'VUWY>;I_]M'_T9O_XZ/5SY.\Y!XV-
MJ'([X7_YL7'U>0%6[XEIC>M,/J2C`*,9\^+-Z@XIK95B#?C`!#]Z9]J,J1L]
M<%Y)M#]SW24TY>AX__`(^D[9!EZ_M.`!"N,H_V6_9-4*A@AYKV?D\<!'@7%K
MULNP?W2HO]:[?DP/8E#T`TSP/DZXW3+#I5KR)BW8`1H%RVX-:6H%"M,U*-:,
MSWN:PX2CARBFKA>GQMA]7OYI1,Q:\7F/-2SX"+\%>'89HP6S(R!)\L"=)2;'
M5TJ294X8`,F>XV9,/N_%-`%R'(0A,\3YWRGM$N0C_H17XR<TNW+90KYT_C83
M;YW6+NETMTI%^<RH[9)0$YZ)`AH1VR7?!";/,'MH*KI!,;O[G3X_E;TX54IG
M0%J5;4$PB$Y7':2;0NBB%.\AS1;P><^CR`_B3E)?N_0'XC<3*%D01GJ'GESJ
ML^3(9_#_!5H\('J/Z&/@Y1X_ZX*VY5ZT/WSTT+$[&I$=3>%/D/DQB)A.%XO1
M+91#S:(O2C.A[B,*6?*A(.(R`.A?4*T3E!1]D9&%)"P,R9"LV.[U#WV1*,4$
MT>ALCOX"W1PG,?/=?1C$Z\`IB"R1-(TY8J6@?#6^#!ZC?'NGE%)-T1,1%9G%
MENH9V;R$7=,R6-!T"V440UL>DICQFY"*#',2^J"PHL@=BMHENQ*S?%6S!<QB
M$;MD_7;/W(;<8;CF[D,IEOQK*@$$?!!J??3)P@WPSXUP8&+'G,8-==(T$EHF
MV->0@,UB^H2H%[BA2JXF.BO%`BOQ1.@/<%"NH=5SE\6<.O&:Z2T3<SU_NV@T
MU!1VV8@O`8:)$Q3K$J9'RB/HZ"IP'X*0KQ#\,0^\.0PGNH)VIO)<_`4V;TQ'
MRR4ESP$$V.49\HKXVV7;$Q=B]`C3/N,,`<B]&Z)RI>6.H3">%B)-R&A!*,3Q
MR#\C4<QFDM.0>#\JX?X6>-5&39S_ONV.ZSARE&Z5AL2RL5..<:7SH*.Q2YKL
M,9[**"VWD"2"&9+;):/\^3A1N"8ZNZ52CJQ&0KOD,GO%4Z::[<K9);7P(*TH
MH(;$+EER13M=L8-\,''C>!1FCOHCDLQZQ@4LG-K*MK,"6N'6""P49A*PPYUY
M>Z_=F#D?*XE0C806"L?B0[`,Z<+<&(JFNRGKP4D#F64Q26$4Q@]A,$N;>A5@
MQ-JDLR%Z<KOL"2,;3XNFBU(I">R2HV&&4KDE+8O9)?/%=(J\N!*WL/:C:(SO
M4)2$[`Y*.<0D=J9C<0NM3XEB)3C^"M:#[5G=(8_,,(OE+G&6.%$VD73E8'5W
MR)5:&5JU+FC7>.`;)MEB.DXO662[F95#@8+0[4K9)7&>"/19>PI'36.M-&H=
MU1+9)8_QUDZ'W2!K5O`,/8QS]!"/GH-HW;$H?^^`G1]_],%9QFSS_G*W'A)K
MYSGW2&42Y%\L<V#;G7^13(N=&5@X*W++#N,K,^X2:=44%HJ3V?+Q]`Q1^!<6
MWP-AL8=N2:=;>;M,;'Z3<NT$CPI<+:6%(&='0-)C6BJA)-\M%"7;?1$W7[@,
MZPL%9M26F5LP'7?(3SQ&-"%K!^JN")Y-$%WP"2_S,^\0OYD[(3?L'&H<A]D`
MQ&LA6<T_V%45??$G+A=+:#I*;_*<KJZ)S[-+\QX!#L6*2\5E-"YAEW$[XYWT
M/^#B\L/7/FLSH?PHILL-6.5PF&1KHE-INWI@,@]HO#IW5]&M&\7G"1JQ,T,>
MNQDU`]>+GV*M^&-&U)G1`(NQ3#_NTBPV[6_#J.0K#*P;ZJT]`V=_AKZ3,,GS
MCF3CWXC>*B'5%_%4RW+F)>S2U\8KAVU$M=SURLW(%7(C5&E^I%ML:57(+GF%
MU"XJY6TDM%PNI:HV4]HEF<:**)>7VI2Q2UH!G3)`K\[TN7'1#-+-.=G6,^PB
M)6.2;6C@V3V:<3\8A/B*R(RZRWG@E=L=FB&P,2N[^J:$EH.90W]'PG!**%OK
MD82=K0K9&(L*@SP#T<0>"*1V`3K*TBA<I&D4TJWV+`K,%^K821`70U#@"7%W
MI]*6Q>%K0J2>\80F4=P@KH32;M&N$+_T9"*;C-0RX5C\YM^Z$,.Q-<DT1D<1
M6V'GAV'J@9Z6T)*UC*;`J)3C_@FA96YK9(*N$?1$P/OD@5!0N]1\%&MX3Y@E
MLLB%U!*]J*#**[E-<D+=,,)X;),?,I^0=+FM<AB(Y00MTWA^=VG`"(M%/'['
MOG*<:(L\>]2+50]SNWVY5<[]Z-$BN0'RN>%/0]'*T%-\[[87.U^QQ:;D`>UL
M+U9HKV2U5T=CEZM6F;R*N2LZ7>696]:P,J.V%;F&UDMP-"]A&:KUX.CBT0V3
M=&I;NE`4A2N(J],M"59*&54U%^R'#<JCPS'NW#,;L.B)HZ1-#IQMQ\,4IK["
M-G&?:T'K%KCU0[T,904143##9PFE"'LK"&QQE&;'&_G_2M(T3EWZT)COWZHW
MSUEN0.2?(@S_B&]#OC'3OO-4;'HR:"LO&Z<IMR_Q-TR+P\(@2B99=`G.IQL1
M#,U8W8+@`33GXJ^DYJ-NAUM/NDYEQ\](&")VX+C]-*DIVH^QUSS+&?3.1DQZ
MHCS%T17^AOA*<T5XG<`N3U&]UZ02S+R$79*6J1*5HFE([))%DC50"5<SJ5VR
M-5P`4<G9LIA=,DN2W)WG1^RR'0%F2F]0_`?`"+'H-#V$6(K?G8,=$U/;+JH<
MX5B7MBKC+2#K!<OJ":V-&?VM.RQ?8Q02%6Z)W=^Z\_1CLAV3GG140]J:^G4;
M(^)NJX>[OX/3T/CUBSF&Y)9M?S:T^A3%3PCA&XB8XQ4[WHW1[PGVP8O.CH&N
M;P!OBU^_NNF*'5N`^#F5JUO7:'E8UAVJLUG9H8T\'I2LE+([7*I84'OH9T<5
M67A0:"V&WFVW;KT*JSMTFTHDN?RPXWKL"F&VK4.Z_MQV#7;UI/'"=1'P\@LV
M4Y9U<12E5ZFZK80W,;3#)VU:FNL0"A?175/8TXV9'?W6?+)AH]5_T!D<@]*P
M`>;%-R3./VQK>T%304\6C;_A('^@64S<+/EFF9MW0[!.`L5GRX18FT5DV<$D
MGZT5HN):J$61$%DFD.I.5GYM]AN&__N%93U-QV+SG:ZF\G98YL8;FCP&S"^5
MGD(M?&:N7KVL0%P9D2W+94IAQXU-R17A',T)-`#^]MDE<W#^H`:/)2@$V19L
M:VK\B&@I.G@_E"6A+EZ7$;5F!U7T0['.T111RF=>'IJL+6`J/MLA6Z=WN(SV
MQ^R]*,5/^+#%].QR>9:0'<\J&LP/8<J"_"Z%+0S?[[TY..`AV*Y\^$H$475"
MI\(6=@)O/00=:[:,_V+'\&P\0"'V.\MQ2'V6X3#?AA=T5GB+H'7Y?O1.)9Z\
M`V=:LHVIIGC16=PD(8VTG?E460^WS:CMDE#I*K`,-Q(;^T<0S^^AF>S9,!S#
M'.LF8:PR6#MA;J%!&X%#Y<Z**RX,_"+)T.GJ+'0C=BFF%IQ5,S5U*&R7$F4B
MW+JK=`&=+BZ>XW1'4Y!33E0U;`'TQ`S1GRJ1D8&.,@O=TJZ7Q?IASO]`P6P>
M(S\#\"9A:CB>\F2:U9<#3]TH\&"V.@_"A)$+WNK&C.QR:*MIYH\.V7]C>DVH
MU!`VDUIHUL[<:,XV(,`B4?XB5EQ[1%+QN2?+F:I%%V4B`^,"=FFIQ"3E4TV1
MLSD;D-G"DFHVWYR3A3JNOL+#G);R+W%]H7W)?IA[\8ATMD7)LI-\2;.3F!RL
MUI6R:X@(Z7I4QW0;">V2JW0Y6(%H_9"7XK-EB^NJ35]0-.8:%XDH`9,[Y(9L
M*XX].Q"E`(&!(OECJ?R5[MK>\BYX6S+]=>Y7D*0B8Y']-'O:8EHJS27.KNZ5
MJ9K,>W@[M?P-^CK=2F[5<>M%^M(+Z2(?B1'+BN07;T6T27S8NK1M!AFZ#[S'
M<Y3^_Q)/3%YK;UG,#C>CQ549OHO!/.OLX<:5$&J8T+Z$V&W\J$OO0<@.5OVM
M)_.LR?WLW!;=\@K7U;79J&VCCKY808UA9\>)!"^CU=30P*$O?30*H`A&0D*V
M^L^6#:`S%O\@NF3)QF[@%\'?5A)8)L@Y"F-WO>]K/UK6X'0!\7<4@EE(K_&7
M_N,]":N9TAHI:PX#I_Z9<TCZPAQ[9E1F$L%L<H<Y-X9^;@U]T6ALSJDOQN,;
M=I-X3BBS@C$3UDW/NZ;;)^+)11-JRQ0^FR^];+Z,2TC=`E*%O!V*6B9\N17V
MX.(?-%G&WHIF"S-RF<U+6"8JG^D9=X5@JN^6B5%]5B4]_WS.;HRQ/R^>/1[-
M5N,\`V([0AS#4R+L``#;^^9#B\<OT1_SP)N#6E)V2X%?H(M@.G+#,1TMEY0\
M!PLW1L7E.DE^CJUSMBM03F5A8@3('\5<S]E]0DV7M"ABEZQY)!N@=@*W+6>7
MU.GC.M_YG:>:*R(8[R9"RXS=>(DP^$O_BUP:U2^0BU\Z0/(BM\6K+5V/8F3?
M+(/@PH4BX-6S-JZKD^R;9<V_8A=0I(T7OUC6=-EY9,E.<@.9A=O$XA*LW'MI
MHK/#<3&X+,7#X3&]0\N0!8:^>%]*16&92J8^9/K*;([#&%>]3&%?U+B$9:+>
M$,S.Y$BNME5_MJS1A:<RGI9G)M)='?!HHO*`D20[77,12Q8M&O<*M&9#]B*C
M:0&[O#Y]L]?R=1L1=W.A=I^N6]_XNF-H0FNMJZBYDZ]^)*Q=*;MT&,QI4#OV
MQH4I7K-*?ZNMO9J7Z(U[8"!0[8*/>0E+++;!`%<^'5P#OXGN;R!O#>DFNIZH
M>/J4?:FU^9/VPD:L@J8OL"IDJ$&JH^D)G-7D'>4V;"#F'6@DM,Q]/DNB&$PG
M+=_W8`5EKX$T$=HURY9[-JER9SJP_OY.`YFMWF&ZJ)F=DE];)I1]L]7[*[N_
MWFKAZ$,#G6V#2M%<]<:BG,XRL<I3=)4(>NUHW0V)61HH%(]F[`11+(N_-^5C
MQYS1G%Y"*V5Y`''S'C/B98E'T?@(0Q#]``>!G\.](D]"XE#Y9]M&"LR44"6[
MA)B?350,]0K&+<KT!$ON^%5.2!6+;=*#"#I"R_#-UA]X:N_,FRU/CQ=1Z9%R
MX<*\H%U>U2TE4Q0QE\`-\]>(:^D")5_ML-8&QR\7BP1G%W:J[M3:[ST1)XVY
M4!YK1>O16/5+3T2Z=ND/Q(8'RVA"R8*DU+E<BL\]$:Z:KX[==8QD7F+QJ7="
MB<9"]JTG8GT-R0._L/Y$Z(^\]>R1:,P@>D0XJ0IJ1FW)C&Z0[Z5^<ZC(0LP%
MJ:9NT=/U1=[LDM@ZJ&L_]T6:KXE+P6%#V0*'9&=%36&7)[)VY8==5V&;/\)!
M99&@+UB=HS#`+)&1MZJGB1(^]$6BS/C5I:G]V!=)\OW'1<#=W4C(G*TDZ(N$
MC?GFSZ'I0:C9H^W.P2Y+`W[E+,!C7$VP=?_D+F\(VY`">6HN:!.I)?CO]F75
M"5HL"07)SH/I%#'[6QOQ.^#=DVX]3:(`0X@,EN$AP%SO='?6#<GM&B_I0?HO
M$(%-:!+%D60O24-BF2QA2)X8Z#R#1Y$I@.5D>P0^+-7$J<O3$T:3\[N*@"W+
M6:*^K?J#6_56/:$OT9<^N"(K-XQ7103'Y[3Z[*\AZ8N4DF1=U\0O,MI$I?6]
MI2R9!ICGN$H@IBW4)@+;F'=?^I5Y1;E"4#?QTROV=:])]KTG2R-L:3O--GI=
M6]L1=CX;Z"Q;[S]G[P*Q*FGAMHJSM9;(KGFM>^[_&X*SA/_LH9.D9O2VQ],.
M;6_RYMBI^-0&(?]T-9D'U&<F?W6)_YL$./X.E*`+]827)O3]D#[-?W"-XCFI
M6.+Q$\QXT3Q8LB0)52$K5ZC:%LR,@1TO<]PG#S#Y,&\\U>?+*$I83[);5948
M1TM5!7C&?OJI=Y/6VWKMLL$9K_02U:GLDN@<'`0<D3#P.1U;^QOSC(NIO3E%
M4Y8[MWH4T[Q$7QR-!HE&TQC1-EU0%NA+#^B2M9BE=+%&UII1^G00>7.T<.&?
M_P=02P$"'@,4````"`!:?UQ%K+F+CG$@`@`W@3,`$``8```````!````I($`
M````87AP+3(P,30P.3,P+GAM;%54!0`#>_5/5'5X"P`!!"4.```$.0$``%!+
M`0(>`Q0````(`%I_7$54'\;+YQX``(,!`@`4`!@```````$```"D@;L@`@!A
M>'`M,C`Q-#`Y,S!?8V%L+GAM;%54!0`#>_5/5'5X"P`!!"4.```$.0$``%!+
M`0(>`Q0````(`%I_7$63/3#^*$\``#S\!0`4`!@```````$```"D@?`_`@!A
M>'`M,C`Q-#`Y,S!?9&5F+GAM;%54!0`#>_5/5'5X"P`!!"4.```$.0$``%!+
M`0(>`Q0````(`%I_7$7"YW:0'_0``!7Q#0`4`!@```````$```"D@6:/`@!A
M>'`M,C`Q-#`Y,S!?;&%B+GAM;%54!0`#>_5/5'5X"P`!!"4.```$.0$``%!+
M`0(>`Q0````(`%I_7$4'14VZIH<``-9@"@`4`!@```````$```"D@=.#`P!A
M>'`M,C`Q-#`Y,S!?<')E+GAM;%54!0`#>_5/5'5X"P`!!"4.```$.0$``%!+
M`0(>`Q0````(`%I_7$6?FC-2F!L``/]\`0`0`!@```````$```"D@<<+!`!A
M>'`M,C`Q-#`Y,S`N>'-D550%``-[]4]4=7@+``$$)0X```0Y`0``4$L%!@``
0```&``8`%`(``*DG!```````
`
end

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>99
<FILENAME>R38.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Reportable Operating Segment (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingDisclosureOfEntitysReportableSegmentsAbstract', window );"><strong>Segment Reporting, Disclosure of Entity's Reportable Segments [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock', window );">Operating segment information</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table presents certain selected financial information for </font><font style='font-family:Times New Roman;font-size:11pt;' >the </font><font style='font-family:Times New Roman;font-size:11pt;' >three and nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:234.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234.75pt;' ></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Three Months Ended</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:101.25pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Nine Months Ended</font></td></tr><tr style='height:12.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:234.75pt;text-align:left;border-color:Black;min-width:234.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:101.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td colspan='4' rowspan='1' style='width:101.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:101.25pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >September 30,</font></td></tr><tr style='height:13.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-style:italic;color:#000000;' >(Millions)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2013</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Non-interest revenues:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >USCS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >3,214</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3,050</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >9,453</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8,991</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ICS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,206</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,161</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >3,571</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3,415</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GCS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >957</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,277</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >3,538</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3,787</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GNMS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,368</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,309</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4,027</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3,856</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate &amp; Other, including adjustments and eliminations</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >189</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >221</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >548</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >650</font></td></tr><tr style='height:10.5pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:234.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:234.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >6,934</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >7,018</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >21,137</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >20,699</font></td></tr><tr style='height:10.5pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:234.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Interest income:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >USCS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,465</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,408</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4,296</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4,148</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ICS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >273</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >281</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >825</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >830</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GCS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >11</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >9</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GNMS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >14</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >35</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >23</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate &amp; Other, including adjustments and eliminations</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >59</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >67</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >183</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >213</font></td></tr><tr style='height:10.5pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:234.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:234.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,815</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,767</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >5,350</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >5,223</font></td></tr><tr style='height:10.5pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:234.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Interest expense:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >USCS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >152</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >172</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >455</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >532</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ICS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >85</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >86</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >259</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >273</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GCS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >61</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >59</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >186</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >181</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GNMS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(68)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(62)</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(208)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(187)</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate &amp; Other, including adjustments and eliminations</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >190</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >229</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >610</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >696</font></td></tr><tr style='height:10.5pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:234.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:234.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >420</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >484</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,302</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,495</font></td></tr><tr style='height:10.5pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:234.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Total revenues net of interest expense:</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >USCS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4,527</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4,286</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >13,294</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >12,607</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ICS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,394</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,356</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4,137</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3,972</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GCS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >900</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,221</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >3,363</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >3,615</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GNMS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,450</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,379</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4,270</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4,066</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate &amp; Other, including adjustments and eliminations</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >58</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >59</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >121</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >167</font></td></tr><tr style='height:10.5pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:234.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:234.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >8,329</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >8,301</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >25,185</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >24,427</font></td></tr><tr style='height:10.5pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:234.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:234.75pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >Net income (loss):</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:left;border-color:Black;min-width:43.5pt;' ></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >USCS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >889</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >782</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >2,535</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >2,329</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >ICS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >142</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >142</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >378</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >528</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GCS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >204</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >261</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >949</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >678</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >GNMS</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >427</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >391</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,243</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,176</font></td></tr><tr style='height:10.5pt;' ><td colspan='2' rowspan='1' style='width:246pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:246pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Corporate &amp; Other, including adjustments and eliminations</font><sup><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(a)</font></sup></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(185)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(210)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >(667)</font></td><td style='width:6.75pt;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >(660)</font></td></tr><tr style='height:10.5pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:234.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:234.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >Total</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >1,477</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >1,366</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;font-weight:bold;color:#000000;' >4,438</font></td><td style='width:6.75pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6.75pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >&#160;&#160;</font></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >$</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:43.5pt;' ><font style='font-family:Times New Roman;font-size:10pt;color:#000000;' >4,051</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;line-height:13.8pt;' ></p><ul><li style='list-style:lower-alpha;text-align:justify;margin-top:6pt;margin-bottom:3pt;' ><font style='font-family:Times New Roman;font-size:8pt;' >Corporate&#160;&amp; Other includes adjustments and eliminations for intersegment activity.</font></li></ul></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 21<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8721-108599<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 25<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8813-108599<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=14024403&amp;loc=d3e13816-109267<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 30<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8906-108599<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 22<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8736-108599<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SegmentReportingDisclosureOfEntitysReportableSegmentsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SegmentReportingDisclosureOfEntitysReportableSegmentsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>100
<FILENAME>R20.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Changes in Accumulated Other Comprehensive (Loss) Income<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Sep. 30, 2014</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureTextBlockAbstract', window );"><strong>Disclosure Text Block [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNoteTextBlock', window );">Changes In Accumulated Other Comprehensive (Loss) Income</a></td>
        <td class="text"><div><p style='text-align:justify;margin-top:4.5pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;margin-left:-19.45pt;' >11</font><font style='font-family:Times New Roman;font-size:11pt;font-weight:bold;' >. Changes In Accumulated Other Comprehensive (Loss) Income</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >AOCI is comprised of items that have not been recognized in earnings but may be recognized in earnings in the future when certain events occur. </font><font style='font-family:Times New Roman;font-size:11pt;' >Changes in each component of AOCI for the </font><font style='font-family:Times New Roman;font-size:11pt;' >three and nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' > and </font><font style='font-family:Times New Roman;font-size:11pt;' >2013</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >were</font><font style='font-family:Times New Roman;font-size:11pt;' > as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:37.5pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >For the Three Months Ended September 30, 2014 </font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' >(Millions)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, net of tax</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net Unrealized Gains (Losses) on Investment Securities</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:59.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:59.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Foreign Currency Translation Adjustments</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net Unrealized Pension and Other Postretirement Benefit (Losses) Gains</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Accumulated Other Comprehensive (Loss) Income</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of June 30, 2014</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 105 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,118)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (358)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,371)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net unrealized gains</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 2 </font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Increase (decrease) due to amounts reclassified into earnings</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (13)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 1 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (12)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net translation (loss) of investments in foreign operations</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (414)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (414)</font></td></tr><tr style='height:18pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net (losses) related to hedges of investment in foreign operations</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 246 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 246 </font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pension and other postretirement benefit gains</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 7 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 7 </font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net change in accumulated other comprehensive (loss) income </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (11)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (167)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 7 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (171)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of September 30, 2014</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 94 </font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (1,285)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (351)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (1,542)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:24.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ></td></tr><tr style='height:37.5pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >For the Nine Months Ended September 30, 2014</font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' > (Millions)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, net of tax</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net Unrealized Gains (Losses) on Investment Securities</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:59.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:59.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Foreign Currency Translation Adjustments</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net Unrealized Pension and Other Postretirement Benefit (Losses) Gains</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Accumulated Other Comprehensive (Loss) Income</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of December&#160;31, 2013</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 63 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,090)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (399)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,426)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net unrealized gains</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 102 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 102 </font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Increase (decrease) due to amounts reclassified into earnings</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (71)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 5 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (66)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net translation (loss) of investments in foreign operations</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (313)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (313)</font></td></tr><tr style='height:18.75pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net (losses) related to hedges of investment in foreign operations</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 113 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 113 </font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pension and other postretirement benefit gains</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 48 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 48 </font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net change in accumulated other comprehensive income (loss)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 31 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (195)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 48 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (116)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of September 30, 2014</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > 94 </font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (1,285)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (351)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' > (1,542)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:24.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:33.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:29.25pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ></td></tr><tr style='height:37.5pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >For the Three Months Ended September 30, 2013</font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' > (Millions)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, net of tax</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net Unrealized Gains (Losses) on Investment Securities</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:59.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:59.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Foreign Currency Translation Adjustments</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net Unrealized Pension and Other Postretirement Benefit (Losses) Gains</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Accumulated Other Comprehensive (Loss) Income</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of June 30, 2013</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 153 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,027)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (434)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,308)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net unrealized (losses)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (25)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (25)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Increase (decrease) due to amounts reclassified into earnings</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (23)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (23)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net translation gain of investments in foreign operations</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 134 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 134 </font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net gains related to hedges of investment in foreign operations</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (123)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (123)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pension and other postretirement benefit gains</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 6 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 6 </font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net change in accumulated other comprehensive (loss) income </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (48)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 11 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 6 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (31)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of September 30, 2013</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 105 </font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,016)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (428)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,339)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:#000000;min-width:229.5pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:24.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ></td><td style='width:4.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:2;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ></td></tr><tr style='height:37.5pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >For the Nine Months Ended September 30, 2013</font><font style='font-family:Times New Roman;font-size:7.5pt;font-style:italic;color:#000000;' > (Millions)</font><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >, net of tax</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net Unrealized Gains (Losses) on Investment Securities</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:59.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:59.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Foreign Currency Translation Adjustments</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:54.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:54.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net Unrealized Pension and Other Postretirement Benefit (Losses) Gains</font></td><td style='width:4.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td colspan='2' rowspan='1' style='width:58.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:58.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Accumulated Other Comprehensive (Loss) Income</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of December&#160;31, 2012</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 315 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (754)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (488)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (927)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net unrealized (losses)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (141)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (141)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Increase (decrease) due to amounts reclassified into earnings</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (69)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (69)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net translation (loss) of investments in foreign operations</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (422)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (422)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net gains related to hedges of investment in foreign operations</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 160 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 160 </font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Pension and other postretirement benefit gains</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</font></td><td style='width:24.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > &#8213;   </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 60 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 60 </font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >Net change in accumulated other comprehensive (loss) income </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (210)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (262)</font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 60 </font></td><td style='width:4.5pt;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:25.5pt;' ></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (412)</font></td></tr><tr style='height:12.75pt;' ><td style='width:229.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:229.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;font-weight:bold;color:#000000;' >Balances as of September 30, 2013</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >&#160;&#160;</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:left;border-color:Black;min-width:24.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > 105 </font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33.75pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,016)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:29.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:29.25pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (428)</font></td><td style='width:4.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:4.5pt;' ></td><td style='width:25.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:25.5pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' >$</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:33pt;' ><font style='font-family:Times New Roman;font-size:7.5pt;color:#000000;' > (1,339)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Times New Roman;font-size:11pt;margin-left:0pt;' >The following table presents the effects of reclassifications out of AOCI and into the Consolidated Statements of Income for the </font><font style='font-family:Times New Roman;font-size:11pt;' >three and nine months ended</font><font style='font-family:Times New Roman;font-size:11pt;' > </font><font style='font-family:Times New Roman;font-size:11pt;' >September 30</font><font style='font-family:Times New Roman;font-size:11pt;' >, </font><font style='font-family:Times New Roman;font-size:11pt;' >2014</font><font style='font-family:Times New Roman;font-size:11pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:129.75pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:129.75pt;' ></td><td style='width:7.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td colspan='12' rowspan='1' style='width:228pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:228pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >(Gains) losses recognized in income</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:129.75pt;text-align:left;border-color:Black;min-width:129.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:108pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:108pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >For the Three Months Ended</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='4' rowspan='1' style='width:102pt;border-top-style:solid;border-top-width:1;text-align:center;border-color:Black;min-width:102pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >For the Nine Months Ended</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:129.75pt;text-align:left;border-color:Black;min-width:129.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='5' rowspan='1' style='width:108pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:108pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >September 30,</font></td><td style='width:6pt;text-align:center;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='4' rowspan='1' style='width:102pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:102pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >September 30,</font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:129.75pt;text-align:left;border-color:Black;min-width:129.75pt;' ></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Income Statement</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='4' rowspan='1' style='width:102pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:102pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Amount</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='4' rowspan='1' style='width:102pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;border-color:Black;min-width:102pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Amount</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:152.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:152.25pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Description  (</font><font style='font-family:Times New Roman;font-size:6.5pt;font-style:italic;color:#000000;' >Millions</font><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >)</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:88.5pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Line Item</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >2013</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' >2014</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td colspan='2' rowspan='1' style='width:51pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:51pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >2013</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:152.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:152.25pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Available-for-sale securities</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:141pt;text-align:left;border-color:Black;min-width:141pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Net gain in AOCI reclassifications for previously </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:8.25pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:129.75pt;text-align:left;border-color:Black;min-width:129.75pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >unrealized net  gains on investment securities</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Other non-interest revenues</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' > (21)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > (36)</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' > (111)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >$</font></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > (109)</font></td></tr><tr style='height:9pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:141pt;text-align:left;border-color:Black;min-width:141pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Related income tax expense</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Income tax provision</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' > 8 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > 13 </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' > 40 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > 40 </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:141pt;text-align:left;border-color:Black;min-width:141pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Reclassification to net income related to       </font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:129.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:129.75pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >available-for-sale securities</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' > (13)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > (23)</font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' > (71)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > (69)</font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:152.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:152.25pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Foreign currency translation adjustments</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:right;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:141pt;text-align:left;border-color:Black;min-width:141pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Reclassification of realized losses on</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:129.75pt;text-align:left;border-color:Black;min-width:129.75pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > translation adjustments and  related hedges</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Other expenses </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > &#8213;   </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > &#8213;   </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' > 8 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:141pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:141pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Related income tax expense</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:88.5pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Income tax provision</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' >  1 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > &#8213;   </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' > (3)</font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td colspan='2' rowspan='1' style='width:141pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:141pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >Reclassification of foreign currency</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-top-style:solid;border-top-width:1;text-align:left;border-color:Black;min-width:45pt;' ></td></tr><tr style='height:9.75pt;' ><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:11.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:11.25pt;' ></td><td style='width:129.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;border-color:Black;min-width:129.75pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > translation adjustments</font></td><td style='width:7.5pt;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' >  1 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > &#8213;   </font></td><td style='width:6pt;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' >  5 </font></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:45pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > &#8213;   </font></td></tr><tr style='height:9.75pt;' ><td colspan='3' rowspan='1' style='width:152.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:152.25pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:7.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:7.5pt;' ></td><td style='width:88.5pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:88.5pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' > (12)</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > (23)</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;font-weight:bold;color:#000000;' > (66)</font></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ></td><td style='width:6pt;border-bottom-style:solid;border-bottom-width:2;text-align:left;border-color:Black;min-width:6pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' >$</font></td><td style='width:45pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:2;text-align:right;border-color:Black;min-width:45pt;' ><font style='font-family:Times New Roman;font-size:6.5pt;color:#000000;' > (69)</font></td></tr></table></div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComprehensiveIncomeNoteTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for comprehensive income, which includes, but is not limited to, 1) the amount of income tax expense or benefit allocated to each component of other comprehensive income, including reclassification adjustments, 2) the reclassification adjustments for each classification of other comprehensive income and 3) the ending accumulated balances for each component of comprehensive income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e681-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e689-108580<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669619-108580<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e640-108580<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 17<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e716-108580<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 16<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e709-108580<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Reclassification Adjustments<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6522872<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ComprehensiveIncomeNoteTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DisclosureTextBlockAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DisclosureTextBlockAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
